Critical illness insurance is a type of insurance that provides financial protection to policyholders in the event they are diagnosed with a specified critical illness or medical condition.

1. Critical Illness Insurance by Niva Bupa

2. What is critical illness insurance?
Critical illness insurance is a type of insurance that provides
financial protection to policyholders in the event they are
diagnosed with a specified critical illness or medical condition.
The coverage can vary depending on the insurance provider and
the specific policy, but generally, critical illness insurance covers
the following:

3. What does the critical illness insurance cover?
The coverage can vary depending on the insurance provider and the specific policy,
but generally, critical illness insurance covers the following:
Lump Sum Payment: If the policyholder is diagnosed with a covered critical
illness, the insurance company pays out a lump sum of money to the
policyholder. This lump sum payment is usually tax-free and can be used at the
policyholder's discretion. Explore Niva Bupa's critical illness insurance offerings,
which safeguard you against 20 specific life-threatening conditions, offer
seamless claim processing, and optimise your tax advantages according to
section 80D.

4. Specific Illnesses: Critical illness insurance typically covers a predefined list of
serious medical conditions, which may include heart attack, stroke, cancer, organ
transplantation, kidney failure, major organ transplant, paralysis, and others. The list
of covered illnesses can vary among insurance companies.
Survival Period: To receive the insurance payout, the policyholder must survive a
certain period after the diagnosis. This period is known as the "survival period," and
it ensures that the policy is not misused by someone purchasing insurance after
already being diagnosed with a critical illness.
Critical illness insurance coverage

5. No Restrictions on Usage: The policyholder can use the lump sum payment for various
purposes, such as covering medical expenses not covered by health insurance planning,
replacing lost income during treatment and recovery, necessary lifestyle changes.
Additional Coverage Options: Some policies offer additional coverage or riders, such as
coverage for additional illnesses, loss of limbs, blindness, or long-term care needs.
Exclusions and Limitations: Critical illness insurance policies typically have exclusions and
limitations. These may include pre-existing conditions, certain types of cancer, self-inflicted
injuries, and critical illnesses diagnosed within a waiting period after the policy's inception.

6. In conclusion, critical illness insurance by Niva Bupa a best health insurance company in
India offers a valuable layer of financial protection and peace of mind in the face of serious
medical conditions. It's designed to provide a lump-sum payout upon the diagnosis of
specified critical illnesses, allowing policyholders to manage the financial impact of medical
treatments, lifestyle adjustments, and other related costs.
While critical illness insurance is not a substitute for regular health insurance, it
complements it by covering expenses that traditional health insurance might not address.
Niva Bupa offer best family health insurance and individual health insurance.
Conclusion

7. Contact us
For more information
For a New Policy - 1800-309-3333
Customer Helpline - 1860-500-8888