Niva Bupa Personal Accident Insurance Plan

An unforeseen event like an accident can cause a lot of damage physically, emotionally, and financially. The pain of losing a loved one or a disability can not be avoided, it is the financial strain that can be taken care of with the help of a personal accident cover. A personal accident cover can help a dependent family financially in case the prime earning member of the family dies or is disabled in an accident.

Niva Bupa health insurance company offers a personal accident plan called Niva Bupa Personal Accident Insurance to provide financial support for you and your family in case of an unforeseen event. Let us find out more about the plan specifications.

Niva Bupa personal accident cover offers full financial support for your commitments and liabilities. The plan offers a sum insured up to 25 times the annual income, in case the policyholder is a business owner and 20 times of annual income in case the policyholder is a salaried individual. Let us take a closer look at some of the plan’s key features.

• The plan offers coverage upto ₹ 10 cr.
• Temporary total disablement benefit under the plan offers 2% of the sum insured up to ₹ 1 lakh per week for temporary loss of income due to the accident. For non-earning members, this benefit is 1% of the sum insured up to a maximum of ₹ 25000.
• Loan Protector Benefit provides an additional payout to the dependent family members to pay any outstanding loan amount in case the policyholder dies due to an accident.
• Monthly Needs Benefit provides a lump sum amount to cover 3 months of monthly needs up to 0.5% of the sum insured to a maximum of ₹ 50,000, in case of death / permanent total disability / permanent partial disability/coma/burns.
• Benefits for Children are provided for covering education and marriage expenses. A lumpsum payout of up to ₹ 5 lakhs is given for education expenses and up to ₹ 10 lakhs for marriage expenses. Also, assistance is provided for education counselling and placement.
• Adventure Sports are also covered under the plan including death and permanent total disability for non-professionals only. An additional benefit of up to ₹ 50,000 is also provided for a compassionate visit.
• Broken Bone Benefit under the plan provides a lump sum amount of up to ₹ 10,000 for fractured bones.
• Accidental OPD Coverage of 1% of the sum insured up to a maximum of ₹ 25,000 is provided for procedures that require less than 24 hrs time such as plaster casts, animal bites, and diagnostic tests.

The plan includes the following benefits

• The death benefit is up to the sum insured.
• Permanent Total disability and permanent partial disability up to a percentage of the sum insured.
• Transportation of mortal remains up to 1% of the sum insured to a maximum of ₹ 1 lakh.
• Funeral expenses up to 1% of the sum insured to a maximum of ₹ 1 lakh.
• Road ambulance charges up to ₹ 25,000.
• Air ambulance charges up to 20% of the sum insured to a maximum of ₹ 5 lakhs
• Accidental hospitalisation is covered up to 10% of the sum insured to a maximum limit of ₹ 5 lakhs.
• Hospital daily cash is covered up to 0.25% of the sum insured per day to a maximum of ₹ 5000 per day for a maximum of 30 days in a policy year.
• Home/vehicle modification is covered up to 25% of the sum insured to a maximum limit of ₹ 5 lakhs.
• Prosthetics implants/wheelchair expenses are covered up to ₹ 1 lakh.
• Comatose expenses are covered up to 25% of the sum insured to a maximum limit of ₹ 10 lakhs.
• Head and spinal injury expenses are covered up to the sum insured to a maximum of ₹ 50 lakhs.
• Accidental care such as ICU at home, nursing care, blood transfusions, physiotherapy, and financial guidance are also covered as per the policy terms and conditions.

You can purchase a Niva Bupa health insurance plan online, offline, or even on a telephone call at your convenience.

• Online - You can get health insurance by Niva Bupa instantly using the online mode in case no medical check-up is required. Visit the official website of the company, enter your details, upload the required documents, make the payment and your policy is delivered to your registered email id. Alternatively, you can buy a Niva Bupa health insurance plan through the Coverfox website.
• Offline - You can visit the nearest branch and a customer support representative will guide you through the process. It is the same as the online process, the only difference is that it is time-consuming. You will be required to fill an application form, provide all the relevant documents, and make the payment and the policy will be dispatched to your registered postal address.
• Telephone - You can request a call back through the company’s website or call the toll-free number 1860 500 8888 during working hours from Monday to Saturday and fix an appointment through the call.

A personal accident plan is a must-have plan like any other health insurance plan. As life is unpredictable, accidents can happen anywhere anytime, and leave us with a lot of pain and financial burden to deal with. A personal accident plan can keep you and your family protected against any unforeseen event. If you are looking for a personal accident cover select a Niva Bupa family floater plan for a personal accident that will include all your spouse and children also in a single policy and provide protection against any type of accident.

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