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Niva Bupa Critical Illness plan (formerly Max Bupa) covers 20 critical illnesses with a strong reputation for transparent claims and customer-first service.
Niva Bupa Critical Illness Insurance offers a lump sum benefit on diagnosis of a listed serious illness, designed to give policyholders financial breathing room beyond what a standard hospitalisation policy covers. Covered conditions typically include cancer, heart attack, stroke, kidney failure, paralysis, and major organ transplant, and the payout is made regardless of the actual treatment expense, allowing funds to be used for medical care, recovery support, or day-to-day household needs.
2 plans available — compare coverage, premium, and key features.
20 specified critical illnesses; two benefit payout options
Key Features
Step-by-step claim process for Niva Bupa.
Inform Niva Bupa as soon as the diagnosis is made, typically within 30 days, via the 24x7 helpline 1860-500-8888 or the Niva Bupa Health App.
Submit the completed claim form, detailed medical reports, diagnostic tests and a specialist doctor's certificate confirming the diagnosis.
Niva Bupa's CritiCare plan verifies that the required survival period post-diagnosis has been met before the benefit becomes payable.
Once medical documents are validated, the lump-sum benefit is disbursed directly to the policyholder's bank account, typically within 7 to 30 days.
Niva Bupa is known for its no-surprises claim process. If you have had bad experiences with claim rejections elsewhere, Niva Bupa is a breath of fresh air with clear policy terms.
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The policy offers a lump-sum payout that can be used for treatment, recovery or other financial needs after diagnosis of a covered illness.
Depending on the plan, you may have options to enhance your coverage at renewal.
Yes. Covered cancers are included according to the policy wording and eligibility conditions.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official Niva Bupa website before purchasing.
20 listed critical illnesses; benefit payable once in the insured person lifetime
Key Features
It is suitable for individuals looking to safeguard themselves against the financial impact of serious illnesses.
Yes, Niva Bupa allows customers to purchase and manage critical illness policies entirely online.