{"uin":"NBHPAIP25036V022425","name":"Personal Accident Plan","url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425","insurer":{"slug":"niva-bupa-health-insurance","name":"Niva Bupa Health Insurance Co Ltd.","url":"https://indiainsurances.com/insurer/niva-bupa-health-insurance"},"line":"health","category":"personal-accident","category_name":"Personal accident","irdai_type":"New","kind":"product","status":"active","approved_on":"2021-12-01","withdrawn_on":null,"summary":"Niva Bupa Personal Accident Plan pays the sum insured (Rs 1 lakh to Rs 10 crore) on accidental death within 365 days, with optional benefits such as disability, weekly income, accidental hospitalization and fracture cover. It is sold for 1, 2 or 3 years or as daily, weekly or per kilometer cover, with premium set by occupation risk class.","analysis":{"state":"extracted","analysed_at":"2026-10-16 07:11:59.50586+00","note":"Every stated fact carries a verbatim quote found in the cited clause."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"cross-checked","value":["Policy of 1, 2 or 3 years","Daily/Weekly Tenure plans","Kilometer Tenure plans"],"display":"1, 2 or 3 year policy; Daily/Weekly Tenure plans; Kilometer Tenure plans","note":"Daily/Weekly plans have their own table: Death 1L, 2L, 3L or 5L, PTD, PPD, Ambulance INR 2000, Accidental Hospitalization INR 50,000, Education of Dependent Children (max INR 50000), Child Support, Broken Bone/Fracture up to INR 50,000, Head & Spinal Injury (max INR 50,000), Accidental OPD INR 5000. Kilometer plans have only Death, PTD, PPD, Ambulance INR 2000, Accidental Hospitalization INR 50,000 and Accidental OPD INR 5000.","quote":"Product Benefit Table for Daily/Weekly Tenure plans ... 1 | Death (Base Sum Insured) | 1L, 2L, 3L, 5L ... 4 | Ambulance | INR 2000 ... 5 | Accidental Hospitalization (AH) | INR 50,000 ... 6 | Education of Dependent Children | 10% of Base Sum Insured. Maximum INR 50000 ... 8 | Broken Bone/Fracture | Up to INR 50,000 ... 9 | Head & Spinal Injury | 2% of Base Sum Insured. Maximum INR 50,000 ... 10 | Accidental OPD | INR 5000 ... Product Benefit Table for Kilometer Tenure plans ... 6 | Accidental OPD | INR 5000 ... The policy will be issued for a period of 1, 2 & 3 year(s) period. Policy also can be issued for a period less than 1 year like on daily or weekly basis, in case to case basis policy coverage can extend for covering individuals on per kilometer basis.","sources":[{"clause":null,"heading":"Product Benefit Table for Daily/Weekly Tenure plans","page":29,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-product-benefit-table-for-daily-weekly-tenure-pl"},{"clause":null,"heading":"Base Benefits","page":29,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-base-benefits-2"},{"clause":null,"heading":"Product Benefit Table for Kilometer Tenure plans","page":29,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-product-benefit-table-for-kilometer-tenure-plans"},{"clause":null,"heading":"Base Benefits","page":29,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-base-benefits-3"},{"clause":"1","heading":"Policy Design","page":1,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/211#c-1"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"cross-checked","value":"1, 2 or 3 years; the default term is one year. Cover can also be issued for less than a year on a daily or weekly basis, or per kilometer.","display":"1, 2 or 3 years (default 1 year); also daily, weekly or per kilometer","note":"Per kilometer cover ends when the premium or kilometers bought are used up, or at the end of 30 days from coverage inception. 2 and 3 year terms get a term discount (prospectus).","quote":"The policy will be issued for a period of 1, 2 & 3 year(s) period. Policy also can be issued for a period less than 1 year like on daily or weekly basis, in case to case basis policy coverage can extend for covering individuals on per kilometer basis. ... The default policy term is one year. ... Automatic termination at the end of 30 days from coverage inception.","sources":[{"clause":"1","heading":"Policy Design","page":1,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/211#c-1"},{"clause":null,"heading":"Termination of cover","page":20,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-termination-of-cover"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"not-stated","value":null,"display":null,"note":"No deadline for telling the insurer about a claim is printed. The claims clause only says 'All documents MUST be submitted at the earliest possible time' and that delays are condoned on merits.","quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"cross-checked","value":["Duly filled and signed claim form and KYC documents","Death Certificate","Disability Certificate issued by a Medical Board constituted by the Central and/or State Government","Medical Records","Copy of settlement letter from other insurance company","Case histories, investigation reports","Original Discharge summary with first and subsequent consultation/treatment papers","Original Final Hospital bill with detailed break-up and payment receipt (including pharmacy bills)","Laboratory investigation reports with supporting prescriptions","MLC/First Information Report (FIR) (in accident cases)","Legal heir certificate","Marriage Certificate (if applicable)","Legal documents as Age proofs (wherever applicable)","Copy of Post-mortem report (wherever applicable)","Policyholder or nominee KYC documents and cancelled cheque"],"display":"Claim form and KYC, death or disability certificate, medical records, discharge summary, hospital bills, FIR/MLC, post-mortem report and others","note":"The insurer may ask for additional documents case by case.","quote":"Dully filled and signed claims form and KYC Documents ... Death Certificate ... Disability Certificate, issued by a Medical Board duly constituted by the Central and/or the State Government. ... Medical Records ... Copy of settlement letter from other insurance company ... Case histories, investigation reports ... Original Discharge summary with first and subsequent consultation/treatment papers. ... Original Final Hospital bill with detailed break-up and payment receipt (including pharmacy bills). ... Laboratory investigation reports with supporting prescriptions. ... MLC/First Information Report (FIR) (in accident cases). ... Legal heir certificate ... Marriage Certificate (if applicable) ... Legal documents as Age proofs (wherever applicable) ... Copy of Post-mortem report (wherever applicable) ... Policyholder documents (Nominee in case of death of Policyholder): ... KYC documents ... Cancelled cheque ... We reserve the right to ask for additional documents/reports from case to case basis.","sources":[{"clause":"5.2.11(b)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-5-2-11-b"},{"clause":"5.2.11(c)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-5-2-11-c"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"cross-checked","value":"The claim is settled or rejected within 15 days from the claim submission date.","display":"15 days from claim submission","note":"Delay: interest at 2% above the bank rate from claim intimation to payment. Cashless final discharge authorization within three hours.","quote":"The Company shall settle or reject a claim, as the case may be, within 15days from the claim submission date. ... the Company shall be liable to pay interest to the policyholder from the date of claim intimation till the date of payment of claim at a rate of 2% above the bank rate. ... Once the final authorization request is received for discharge, the same will be processed within three hours from the final documents received.","sources":[{"clause":"5.1.9(I)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-5-1-9-i"},{"clause":"5.2.11(c)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-5-2-11-c"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"cross-checked","value":["Self-inflicted Injury, Suicide or attempted suicide","Nuclear, radiological emissions, war or war like situations, rebellion, acts of terrorism","Committing an assault, a criminal offence or any breach of law with criminal intent","Taking intoxicating liquor, drug, narcotic, medicine, sedative or poison, except as prescribed by a Medical Practitioner","Adventure Sports","Maternity, Pregnancy or Child birth or in consequence thereof","Any non-allopathic treatment","Diseases spread/caused through an insect bite","Cosmetic or plastic surgery or any treatment to change appearance not arising out of Accident or Burns","Circumcision unless necessary for the treatment of a disease or necessitated by an Accident","Costs which are not Reasonable and Customary and treatments which are not Medically Necessary","Hairline fractures of any kind (TTD benefits)","Admission only for investigations, with no treatment (Accidental Hospitalization)","Coma resulting from alcohol or drug abuse (Comatose benefit)"],"display":"Suicide and self-injury, war and terrorism, crime, intoxication, adventure sports, maternity, non-allopathic treatment, insect-borne diseases, cosmetic surgery and others","note":"No waiting-period exclusions apply (CIS shows initial, specific and pre-existing disease waiting periods as NA). Adventure Sports can be bought back as an optional benefit.","quote":"Self-inflicted Injury, Suicide or attempted suicide. ... Nuclear, radiological emissions, war or war like situations (whether war is declared or not), rebellion (act of armed resistance to an established government or leader), acts of terrorism. ... Committing an assault, a criminal offence or any breach of law with criminal intent. ... Taking or absorbing, accidentally or otherwise, any intoxicating liquor, drug, narcotic, medicine, sedative or poison, except as prescribed by a Medical Practitioner ... Adventure Sports ... Maternity, Pregnancy or Child birth or in consequence thereof. ... Any non-allopathic treatment. ... Diseases spread/ caused through an insect bite by transfer of organisms for which the insect is a known carrier or host. ... Cosmetic or plastic surgery or any treatment to change appearance not arising out of Accident or Burns. ... Circumcision unless necessary for the treatment of a disease or necessitated by an Accident. ... Costs which are not Reasonable and Customary and treatments which are not Medically Necessary ... We will not pay for Hairline fractures of any kind. ... We will NOT pay, even if you were admitted, if there was no treatment and only investigations were done. ... We will not cover if Coma is a result of alcohol or drug abuse.","sources":[{"clause":"4.1.1","heading":null,"page":14,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-4-1-1"},{"clause":"4.1.2","heading":null,"page":14,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-4-1-2"},{"clause":"4.1.3","heading":null,"page":14,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-4-1-3"},{"clause":"4.1.4","heading":null,"page":14,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-4-1-4"},{"clause":"4.1.5","heading":"Adventure Sports","page":14,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-4-1-5"},{"clause":"4.1.6","heading":null,"page":14,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-4-1-6"},{"clause":"4.1.7","heading":null,"page":14,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-4-1-7"},{"clause":"4.1.8","heading":null,"page":14,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-4-1-8"},{"clause":"4.1.9","heading":null,"page":14,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-4-1-9"},{"clause":"4.1.10","heading":null,"page":14,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-4-1-10"},{"clause":"4.1.11","heading":null,"page":14,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-4-1-11"},{"clause":"3.2.8","heading":"Temporary Total Disability Lite (TTD Lite)","page":7,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-3-2-8"},{"clause":"3.2.13(c)","heading":"Refill Benefit","page":9,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-3-2-13-c"},{"clause":"3.2.26","heading":"Comatose","page":12,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-3-2-26"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"cross-checked","value":"Contact Niva Bupa customer service (website, toll free 1860-500-8888, e-mail platform, courier or any branch grievance cell); if not satisfied, the grievance officer (Head, Customer Services), then GRO@nivabupa.com, then the Insurance Ombudsman.","display":"Niva Bupa customer service (1860-500-8888), then the grievance officer, then GRO@nivabupa.com, then the Ombudsman","note":"Complaints can also be lodged on IRDAI's Bima Bharosa portal (www.bimabharosa.irdai.gov.in).","quote":"ln case of any grievance the insured person may contact the company through: ... Website: www.nivabupa.com Toll free: 1860-500-8888 ... lnsured person may also approach the grievance cell at any of the company’s branches with the details of grievance. If lnsured person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at: ... Head – Customer Services ... If the Insured person is not satisfied with the above, they can escalate to GRO@nivabupa.com. lf lnsured person is not satisfied with the redressal of grievance through above methods, the insured person may also approach the office of lnsurance Ombudsman","sources":[{"clause":"5.1.8","heading":"Redressal of Grievance","page":16,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-5-1-8"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"cross-checked","value":"Base (Death) Sum Insured from Rs 1 lakh to Rs 10 crore. Daily/Weekly and Kilometer plans: 1L, 2L, 3L or 5L.","display":"1L to 10 Cr","note":"Non-earning spouse and parents: up to 50% of the proposer's SI, max INR 1 Crore. Dependent children: up to 25%, max INR 25 Lakh. Sum insured is linked to income. Daily/Weekly and Kilometer plans: 1L, 2L, 3L, 5L.","quote":"1 | Death (Base Sum Insured) | Sum Insured options from 1L to 10 Cr ... 1 | Death (Base Sum Insured) | 1L, 2L, 3L, 5L ... The Sum Insured (SI) offerings for non-earning spouse & parents/parents-in-laws would be restricted to 50% of that of the proposer’s SI subject to a maximum of INR 1 Crore. ... The Sum Insured (SI) offerings for dependent children would be restricted to 25% of that of the proposer’s SI subject to a maximum of INR 25 Lakh.","sources":[{"clause":null,"heading":"Base Benefits","page":27,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-base-benefits"},{"clause":null,"heading":"Base Benefits","page":29,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-base-benefits-2"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"not-applicable","value":null,"display":null,"note":"Accident-only cover (wording preamble: 'This Policy covers Death & Injury solely and directly from Accidents'), so an illness waiting period cannot apply; the CIS prints 'Initial Waiting Period (Excl03)- NA'.","quote":null,"sources":[],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"not-applicable","value":null,"display":null,"note":"Accident-only cover, so a pre-existing disease waiting period cannot apply; the CIS prints 'Pre-existing diseases (Excl01): NA'.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"not-applicable","value":null,"display":null,"note":"Accident-only cover, so a waiting period for named illnesses cannot apply; the CIS prints 'Specific Waiting Period (Not applicable for claims arising due to an accident) (Excl02): NA'. The wording's standard definition ('a period up to 36 months') carries no product figure.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"not-applicable","value":null,"display":null,"note":"There is no specific waiting period (CIS: 'Specific Waiting Period ... (Excl02): NA'), so there is no list of illnesses.","quote":null,"sources":[],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"cross-checked","value":{"unit":"months","amount":60},"display":"60 months","note":"For an enhanced sum insured, the sixty months run from the date of enhancement on the enhanced part only.","quote":"After completion of sixty continuous months of coverage (including portability and migration) in health insurance policy, no policy and claim shall be contestable by the insurer on the grounds of non-disclosure, misrepresentation, except on grounds of established fraud.","sources":[{"clause":"5.1.10","heading":"Moratorium Period","page":17,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-5-1-10"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"cross-checked","value":"Portability and migration are not available for this product.","display":"Not available","note":"From the CIS. The wording's withdrawal clause still allows migration to a similar product if this product is withdrawn.","quote":"• Migration and Portability: NA","sources":[{"clause":"27(iii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/212#c-27-iii"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"cross-checked","value":true,"display":"Yes, lifetime renewability","note":"Renewal can be refused for established fraud, non-disclosure or misrepresentation. The policy terminates after the Death benefit is paid.","quote":"Policy Renewal: We offer lifetime renewability under Personal Accident Policy. ... A health insurance policy shall be renewable except on grounds of established fraud or non-disclosure or misrepresentation by the insured.","sources":[{"clause":"1","heading":"Policy Design","page":1,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/211#c-1"},{"clause":"5.1.3","heading":"Renewal of Policy","page":15,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-5-1-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"cross-checked","value":"No. No loading applies on renewals based on individual claims experience.","display":"No loading for claims","note":"An underwriting risk loading at issue (max 100% per health condition, 150% per individual) continues at all renewals. Renewal premium can change with age.","quote":"No loading shall apply on renewals based on individual claims experience. ... We will never ask for more than 100% for any particular health condition and never more than 150% for any individual. ... Once applied, Risk loading continues even for all renewals","sources":[{"clause":"5.1.3","heading":"Renewal of Policy","page":15,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-5-1-3"},{"clause":"5.2.2","heading":"Additional premium (Risk Loading)","page":18,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-5-2-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"cross-checked","value":["Self-inflicted Injury, Suicide or attempted suicide","Nuclear, radiological emissions, war or war like situations, rebellion, acts of terrorism","Committing an assault, a criminal offence or any breach of law with criminal intent","Taking intoxicating liquor, drug, narcotic, medicine, sedative or poison, except as prescribed by a Medical Practitioner","Adventure Sports","Maternity, Pregnancy or Child birth or in consequence thereof","Any non-allopathic treatment","Diseases spread/caused through an insect bite","Cosmetic or plastic surgery or any treatment to change appearance not arising out of Accident or Burns","Circumcision unless necessary for the treatment of a disease or necessitated by an Accident","Costs which are not Reasonable and Customary and treatments which are not Medically Necessary"],"display":"Suicide and self-injury, war and terrorism, crime, intoxication, adventure sports, maternity, non-allopathic treatment, insect-borne diseases, cosmetic surgery, circumcision, non-medically necessary costs","note":"The policy does not use IRDAI Excl codes for these. Adventure Sports can be covered by buying the Adventure Sports optional benefit.","quote":"Self-inflicted Injury, Suicide or attempted suicide. ... Nuclear, radiological emissions, war or war like situations (whether war is declared or not), rebellion (act of armed resistance to an established government or leader), acts of terrorism. ... Committing an assault, a criminal offence or any breach of law with criminal intent. ... Taking or absorbing, accidentally or otherwise, any intoxicating liquor, drug, narcotic, medicine, sedative or poison, except as prescribed by a Medical Practitioner ... Adventure Sports ... Maternity, Pregnancy or Child birth or in consequence thereof. ... Any non-allopathic treatment. ... Diseases spread/ caused through an insect bite by transfer of organisms for which the insect is a known carrier or host. ... Cosmetic or plastic surgery or any treatment to change appearance not arising out of Accident or Burns. ... Circumcision unless necessary for the treatment of a disease or necessitated by an Accident. ... Costs which are not Reasonable and Customary and treatments which are not Medically Necessary","sources":[{"clause":"4.1.1","heading":null,"page":14,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-4-1-1"},{"clause":"4.1.2","heading":null,"page":14,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-4-1-2"},{"clause":"4.1.3","heading":null,"page":14,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-4-1-3"},{"clause":"4.1.4","heading":null,"page":14,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-4-1-4"},{"clause":"4.1.5","heading":"Adventure Sports","page":14,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-4-1-5"},{"clause":"4.1.6","heading":null,"page":14,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-4-1-6"},{"clause":"4.1.7","heading":null,"page":14,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-4-1-7"},{"clause":"4.1.8","heading":null,"page":14,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-4-1-8"},{"clause":"4.1.9","heading":null,"page":14,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-4-1-9"},{"clause":"4.1.10","heading":null,"page":14,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-4-1-10"},{"clause":"4.1.11","heading":null,"page":14,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-4-1-11"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"cross-checked","value":"You may cancel at any time with 7 days' written notice. For a term up to one year with no claim, the premium for the unexpired period is refunded proportionately; for terms over one year, premium is refunded for policy years whose cover has not started.","display":"Proportionate refund for the unexpired period if no claim (7 days' notice)","note":"Per kilometer cover: unused or extra premium is returned when the cover ends (wording 5.2.10).","quote":"The policy holder may cancel his/her policy at any time during the term, by giving 7 days’ notice in writing. ... Refund proportionate premium for unexpired policy period, if the term of the policy upto one year and there is no claim(s) made during the policy period. ... Refund premium for the unexpired policy period, in respect of policies with term more than 1 year and risk coverage for such policy years are not commenced.","sources":[{"clause":"5.1.2","heading":"Cancellation","page":14,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-5-1-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"cross-checked","value":"Worldwide for accidents, but Accidental Hospitalization, Accidental OPD, Hospital Cash and Air Ambulance are paid only for expenses in India, and all payments are made in Indian Rupees in India.","display":"Worldwide; hospital, OPD, hospital cash and air ambulance benefits India only","note":"Home/vehicle modification must be done in India. Adventure Sports cover includes sports taken outside India.","quote":"This Policy applies to events or occurrences taking place anywhere in the world unless limited by Us The benefit in respect of Accidental Hospitalization, Accidental OPD, Accident Hospital Cash, Air Ambulance, shall be paid only for expenses incurred in India ... The benefit towards Modification made at Home/Vehicle expenses shall be payable only upon modification performed in India. All payments under this Policy will only be made in Indian Rupees within India.","sources":[{"clause":"5.2.5","heading":"Territorial Jurisdiction","page":18,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-5-2-5"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days","note":"Not on renewals. Refund less proportionate risk premium, medical examination and stamp duty costs.","quote":"The insured person shall be allowed free look period of thirty days from date of receipt of the policy document to review the terms and conditions of the policy.","sources":[{"clause":"5.1.1","heading":"Free look period","page":14,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-5-1-1"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days","note":"15 days for instalment premiums (half yearly, quarterly or monthly) under wording 5.2.9. The wording's own Grace Period definition says fifteen days for monthly mode and thirty days in all other cases.","quote":"can be renewed within the Grace Period of 30 days (annual installment) to maintain continuity of benefits without break in policy. ... Grace Period of 30 days in case of single premium policies, and a period of 15 days in case of other than single premium policies, would be given to pay the instalment premium due for the policy. ... The grace period for payment of the premium for all types of insurance policies shall be: fifteen days where premium payment mode is monthly and thirty days in all other cases.","sources":[{"clause":"5.1.3","heading":"Renewal of Policy","page":15,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-5-1-3"},{"clause":"5.2.9","heading":"Premium Payment in Installments","page":19,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-5-2-9"},{"clause":"2.1.5","heading":"Grace Period","page":1,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-2-1-5"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"cross-checked","value":"Adults 18 to 65 years; dependent children 91 days to 25 years.","display":"Adults 18 to 65 years; children 91 days to 25 years","note":"From the prospectus. A family policy can have up to 2 adults and 4 children.","quote":"Entry age for adults is 18 years to 65 years and entry age for children is 91 days years to 25 years (dependent children)","sources":[{"clause":"1","heading":"Policy Design","page":1,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/211#c-1"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"cross-checked","value":["Annual","Half Yearly","Quarterly","Monthly"],"display":"Annual, half yearly, quarterly or monthly","note":"Per kilometer cover is paid in advance through the app.","quote":"the Grace Period of 30 days (annual installment) ... lf the insured person has opted for Payment of Premium on an instalment basis i.e. Half Yearly, Quarterly or Monthly","sources":[{"clause":"5.1.3","heading":"Renewal of Policy","page":15,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-5-1-3"},{"clause":"5.2.9","heading":"Premium Payment in Installments","page":19,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-5-2-9"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"cross-checked","value":["Permanent Total Disability (PTD)","Permanent Partial Disability (PPD)","Transportation of Mortal Remains","Funeral Expenses","Road Ambulance","Air Ambulance","Temporary Total Disability (TTD)","Temporary Total Disability Lite (TTD Lite)","Temporary Total Disability + (TTD+)","Temporary Total Disability Basic (TTD Basic)","Deductible Option for Temporary Total Disability","Loan Protector","Accidental Hospitalization","Hospital Daily Cash","Accidental OPD","Monthly Needs Benefit","Adventure Sports","Compassionate Visit","Elderly Care","Education of Dependent Children","Child Support","Marriage Expenses for Children","Broken Bones/Fracture Benefit","Modifications Made at Home/Vehicle","Prosthetics","Comatose","Burns","Head & Spinal Injury","Accident Care"],"display":"PTD, PPD, TTD variants, Accidental Hospitalization, Hospital Daily Cash, Accidental OPD, Adventure Sports, Burns, Fracture and other benefits","note":"Only Death is a compulsory base benefit (wording 3.1, CIS). Annexure 3 prints all these under the heading 'Base Benefits', which conflicts with the wording. Compassionate Visit is available only with Adventure Sports.","quote":"Insured can choose from any of the below benefits on payment of additional premium. ... Permanent Total Disability (PTD) ... Permanent Partial Disability (PPD) ... Transportation of Mortal Remains ... Funeral Expenses ... Road Ambulance ... Air Ambulance ... Temporary Total Disability (TTD) ... Temporary Total Disability Lite (TTD Lite) ... Temporary Total Disability + (TTD+) ... Temporary Total Disability Basic (TTD Basic) ... Deductible Option for Temporary Total Disability ... Loan Protector ... Accidental Hospitalization ... Hospital Daily Cash ... Accidental OPD ... Monthly Needs Benefit ... Adventure Sports ... Compassionate Visit ... Elderly Care ... Education of Dependent Children ... Child Support ... Marriage Expenses for Children ... Broken Bones/Fracture Benefit ... Modifications Made at Home/Vehicle ... Prosthetics ... Comatose ... Burns ... Head & Spinal Injury ... Accident Care","sources":[{"clause":"3.2","heading":"Optional Benefits","page":5,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-3-2"},{"clause":"3.2.1","heading":"Permanent Total Disability (PTD)","page":5,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-3-2-1"},{"clause":"3.2.2","heading":"Permanent Partial Disability (PPD)","page":6,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-3-2-2"},{"clause":"3.2.3","heading":"Transportation of Mortal Remains","page":7,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-3-2-3"},{"clause":"3.2.4","heading":"Funeral Expenses","page":7,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-3-2-4"},{"clause":"3.2.5","heading":"Road Ambulance","page":7,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-3-2-5"},{"clause":"3.2.6","heading":"Air Ambulance","page":7,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-3-2-6"},{"clause":"3.2.7","heading":"Temporary Total Disability (TTD)","page":7,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-3-2-7"},{"clause":"3.2.8","heading":"Temporary Total Disability Lite (TTD Lite)","page":7,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-3-2-8"},{"clause":"3.2.9","heading":"Temporary Total Disability + (TTD+)","page":8,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-3-2-9"},{"clause":"3.2.10","heading":"Temporary Total Disability Basic (TTD Basic)","page":8,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-3-2-10"},{"clause":"3.2.11","heading":"Deductible Option for Temporary Total Disability","page":8,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-3-2-11"},{"clause":"3.2.12","heading":"Loan Protector","page":9,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-3-2-12"},{"clause":"3.2.13","heading":"Accidental Hospitalization","page":9,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-3-2-13"},{"clause":"3.2.14","heading":"Hospital Daily Cash","page":10,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-3-2-14"},{"clause":"3.2.15","heading":"Accidental OPD","page":10,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-3-2-15"},{"clause":"3.2.16","heading":"Monthly Needs Benefit","page":10,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-3-2-16"},{"clause":"3.2.17","heading":"Adventure Sports","page":10,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-3-2-17"},{"clause":"3.2.18","heading":"Compassionate Visit","page":11,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-3-2-18"},{"clause":"3.2.19","heading":"Elderly Care","page":11,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-3-2-19"},{"clause":"3.2.20","heading":"Education of Dependent Children","page":11,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-3-2-20"},{"clause":"3.2.21","heading":"Child Support","page":11,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-3-2-21"},{"clause":"3.2.22","heading":"Marriage Expenses for Children","page":11,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-3-2-22"},{"clause":"3.2.23","heading":"Broken Bones/Fracture Benefit","page":11,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-3-2-23"},{"clause":"3.2.24","heading":"Modifications Made at Home/Vehicle","page":12,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-3-2-24"},{"clause":"3.2.25","heading":"Prosthetics","page":12,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-3-2-25"},{"clause":"3.2.26","heading":"Comatose","page":12,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-3-2-26"},{"clause":"3.2.27","heading":"Burns","page":12,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-3-2-27"},{"clause":"3.2.28","heading":"Head & Spinal Injury","page":13,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-3-2-28"},{"clause":"3.2.29","heading":"Accident Care","page":13,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-3-2-29"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"conflicting","value":"Yes for an annual renewal paid within the grace period; no cover for instalment premiums from the due date until payment.","display":"Yes for annual renewal; no for instalment premiums","note":"Prospectus 5.5 says: 'Coverage is not available during the grace period.' The wording and CIS say coverage is available.","quote":"iii) Coverage is available during the grace period. ... During such grace period, coverage will not be available from the due date of instalment premium till the date of receipt of premium by Company. ... Coverage is not available during the grace period.","sources":[{"clause":"5.1.3","heading":"Renewal of Policy","page":15,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-5-1-3"},{"clause":"5.2.9","heading":"Premium Payment in Installments","page":19,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-5-2-9"},{"clause":"5.5","heading":"Renewal of Policy","page":11,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/211#c-5-5"}],"law":[]},{"key":"accidental_death","label":"Accidental death","section":"Cover","meaning":"What is paid if an accident causes death.","status":"cross-checked","value":"The Sum Insured is paid if the insured dies within 365 days of the accident. Disappearance after a conveyance accident is treated as accidental death after 365 days. The policy ends after the Death benefit is paid.","display":"Sum Insured, if death within 365 days of the accident","note":"Death is the only compulsory base benefit. Optional add-ons on death: Funeral Expenses 1% of Base SI (max INR 1Lac), Transportation of Mortal Remains, Monthly Needs, Loan Protector and others.","quote":"If the Insured person dies within 365 days from the date of the Accident, we will pay the Sum Insured. ... It shall be deemed after 365 days, subject to all other terms and conditions of this Policy that such Insured Person shall have died as the result of an Accident. ... The policy will terminate after the Death benefit is paid for.","sources":[{"clause":"3.1.1","heading":"Death","page":5,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-3-1-1"}],"law":[]},{"key":"permanent_total_disability","label":"Permanent total disability","section":"Cover","meaning":"What is paid for permanent total disability.","status":"cross-checked","value":"Optional benefit. 100% of Sum Insured for loss of any 2 limbs, sight of both eyes, speech and hearing of both ears, or one limb and sight of one eye; 50% for loss of 1 limb or sight of 1 eye; within 365 days of the accident.","display":"100% of Sum Insured (50% for 1 limb or 1 eye)","note":"Optional in the wording (3.2.1) and CIS; Annexure 3 lists it under Base Benefits. Loss of limb includes paralysis; a claim does not end the policy.","quote":"If the Insured Person suffers a Permanent Total Disability, within 365 days from the date of the Accident, we will pay the benefit as per the Table 1. ... Complete & Irrecoverable loss of : • Any 2 Limbs • Sight of both eyes • Speech & hearing of both Ears • Combination of One Limb & Sight of One Eye | 100% ... Complete & Irrecoverable loss of : • 1 Limb • Sight of 1 Eye | 50% ... Insured can choose from any of the below benefits on payment of additional premium.","sources":[{"clause":"3.2.1(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-3-2-1-a"},{"clause":"3.2","heading":"Optional Benefits","page":5,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-3-2"}],"law":[]},{"key":"permanent_partial_disability","label":"Permanent partial disability","section":"Cover","meaning":"The table of payouts for losing a limb, eye, hearing...","status":"cross-checked","value":"Optional benefit paying a percentage of Sum Insured per Table 2 within 365 days of the accident: arm at shoulder 70%, hand at wrist 50%, thumb 20%, index finger 10%, leg above center of femur 70%, leg below knee 50%, foot at ankle 40%, each eye 50%, hearing in each ear 30%, sense of smell 10%, other toe 2%. Total for all losses capped at the Sum Insured.","display":"Percent of Sum Insured per table, e.g. arm at shoulder 70%, eye 50%, thumb 20%","note":"Losses not in the table are assessed by the insurer. Optional in the wording and CIS; Annexure 3 lists it under Base Benefits.","quote":"If the Insured Person suffers a Permanent Partial Disability, within 365 days from the date of the Accident, we will pay the benefit as per the Table 2. ... Each arm at the shoulder joint | 70% ... Each arm below elbow joint | 50% ... Each hand at the wrist | 50% ... Each Thumb | 20% ... Each Index Finger | 10% ... Each leg above center of the femur | 70% ... Each leg to a point below the knee | 50% ... Each foot at the ankle | 40% ... Each eye | 50% ... Hearing in each ear | 30% ... Sense of smell | 10% ... Each other toe | 2% ... If a loss is not mentioned in the table above, then we will internally assess the degree of disablement and determine the amount of payment to be made. If there is more than one Permanent Partial Disability loss, then the total claim amount put together for all losses will not exceed the total Sum Insured opted. ... Insured can choose from any of the below benefits on payment of additional premium.","sources":[{"clause":"3.2.2","heading":"Permanent Partial Disability (PPD)","page":6,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-3-2-2"},{"clause":"3.2","heading":"Optional Benefits","page":5,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-3-2"}],"law":[]},{"key":"temporary_total_disability","label":"Temporary total disability","section":"Cover","meaning":"Weekly income paid while you cannot work after an accident.","status":"conflicting","value":"Optional TTD: 2% of Sum Insured per week (max INR 1 Lac per week) for up to 100 weeks; non-earning members 1% (max INR 25,000 per week) for up to 50 weeks. Not for dependent children.","display":"2% of Sum Insured per week (max INR 1 Lac), up to 100 weeks","note":"CIS says non-earning members get up to 100 weeks: 'Maximum INR 25,000 per week. For Maximum 100 weeks.' Variants: TTD Lite 1% (max INR 50,000/week) for 100 weeks; TTD+ 2% (max INR 75,000/week) for 52 weeks; TTD Basic 1% (max INR 15,000/week) for 52 weeks (Annexure 3 says 100 weeks). Optional deductible of 3/7/14/21/28 days. Lite, + and Basic are for earning members only.","quote":"We will pay 2% of Sum Insured per week (Max INR 1Lac per week) for a maximum period of 100 weeks. ... In case of any disability post-accident to an Insured non-earning member, then we will pay 1% of the Sum Insured (Max INR 25,000 per week), for a period of maximum 50 weeks. ... TTD is not applicable for Dependent Children ... We will pay 1% of Sum Insured per week (Max INR 50,000 per week) for a maximum period of 100 weeks. ... We will pay 2% of Sum Insured per week (Max INR 75,000 per week) for a maximum period of 52 weeks. ... We will pay 1% of Sum Insured per week (Max INR 15,000 per week) for a maximum period of 52 weeks. ... Deductible Options: 3/7/14/21/28 Days ... Non-Earning Members: 1% of Base Sum Insured per week. Maximum INR 25,000 per week. For Maximum 100 weeks.","sources":[{"clause":"3.2.7","heading":"Temporary Total Disability (TTD)","page":7,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-3-2-7"},{"clause":"3.2.8","heading":"Temporary Total Disability Lite (TTD Lite)","page":7,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-3-2-8"},{"clause":"3.2.9","heading":"Temporary Total Disability + (TTD+)","page":8,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-3-2-9"},{"clause":"3.2.10","heading":"Temporary Total Disability Basic (TTD Basic)","page":8,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-3-2-10"},{"clause":null,"heading":"Base Benefits","page":27,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-base-benefits"},{"clause":"Row 5","heading":"Policy Coverage","page":1,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/212#c-row-5"}],"law":[]},{"key":"accident_medical","label":"Accident medical expenses","section":"Cover","meaning":"Treatment costs after an accident.","status":"cross-checked","value":"Optional Accidental Hospitalization pays treatment expenses for admission over 24 hours after an accident, up to the chosen hospitalization sum insured (INR 1 Lac to 5 Lac), plus pre-hospitalization 30 days and post-hospitalization 60 days, in India only. Optional Accidental OPD pays up to 1% of Sum Insured (max INR 25000).","display":"Optional: hospitalization up to chosen AH sum insured (INR 1 Lac to 5 Lac); OPD up to 1% of SI (max INR 25000)","note":"Includes NCB of 10% per claim-free year (max 100%) and a once-a-year 100% refill. Prospectus annexure gives AH options 1L, 2L, 3L, 4L, 5L (10% of Base SI, max INR 5 Lakh); CIS says 1L to 5L in multiples of 50,000. Daily/Weekly and Kilometer plans: AH INR 50,000, OPD INR 5000.","quote":"In case the Insured is admitted in a hospital (for more than 24 hours), then we will pay up to hospitalization Sum Insured opted for. ... 14 | Accidental Hospitalization (AH) | Up to INR 1Lac, INR 1.5Lac, INR 2Lac, INR 2.5Lac, INR 3Lac, INR 3.5 Lac, INR 4Lac, INR 4.5Lac & INR 5Lac ... We will pay expenses incurred on consultations, medicines, diagnostic tests 30 days before date of admission and 60 days after date of discharge ... We will pay for hospitalizations within India only. ... We will reimburse as per actuals or 1% of Sum Insured (Max INR 25000) on the Outpatient expenses caused by an Accident. ... For every claim free year, we will add 10% of expiring policy base sum insured as NCB, maximum up to 100%. ... 100% Accidental Hospitalization Sum Insured will be triggered on partial/complete utilization of Accidental Hospitalization Sum Insured.","sources":[{"clause":"3.2.13","heading":"Accidental Hospitalization","page":9,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-3-2-13"},{"clause":null,"heading":"Base Benefits","page":27,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-base-benefits"},{"clause":"3.2.13(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-3-2-13-a"},{"clause":"3.2.13(c)","heading":"Refill Benefit","page":9,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-3-2-13-c"},{"clause":"3.2.15","heading":"Accidental OPD","page":10,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-3-2-15"},{"clause":"3.2.13(b)","heading":"No Claim Bonus (NCB)","page":9,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210#c-3-2-13-b"}],"law":[]},{"key":"occupation_classes","label":"Occupation rules","section":"Eligibility","meaning":"Whether your job affects cover or premium.","status":"cross-checked","value":"Premium depends on occupation risk class: Class 1 white collar non-hazardous, Class 2 semi-hazardous supervisory, Class 3 hazardous occupations.","display":"Premium by risk class 1 (white collar), 2 (semi-hazardous), 3 (hazardous)","note":"From the prospectus. Sum insured is linked to declared income (wording 2.2.19).","quote":"Premiums are based on Risk Class as mentioned in Annexure 4. ... 1 | Persons engaged in white collar, non-hazardous occupations ... 2 | Persons engaged in semi-hazardous occupations ... 3 | Persons engaged in hazardous occupations","sources":[{"clause":"1","heading":"Policy Design","page":1,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/211#c-1"},{"clause":"Annexure 4","heading":"Risk Class Grid","page":25,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/211#c-annexure-4"}],"law":[]}],"documents":[{"kind":"wording","label":"Personal Accident Policy Wording","pages":29,"fetched_at":"2026-10-16 07:11:45.433051+00","source_url":"https://transactions.nivabupa.com/pages/doc/policy_wording/PA-Plan-Policy-wording.pdf?v=1.2","url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/210"},{"kind":"prospectus","label":"Personal Accident Plan Prospectus","pages":25,"fetched_at":"2026-10-16 07:11:45.433051+00","source_url":"https://transactions.nivabupa.com/pages/doc/prospectus/Personal-Accident-Plan-Prospectus.pdf?v=1.2","url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/211"},{"kind":"cis","label":"Personal Accident Plan","pages":9,"fetched_at":"2026-10-16 07:11:45.433051+00","source_url":"https://transactions.nivabupa.com/pages/doc/Customer-Information/CIS_Personal-Accident-Plan.pdf","url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425/document/212"}],"versions":[{"uin":"MAXPAIP21585V012021","version":null,"approved_on":null},{"uin":"NBHPAIP25036V022425","version":null,"approved_on":null}],"where_to_buy":[],"claims_and_complaints":[],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Personal Accident Plan (UIN NBHPAIP25036V022425), IndiaInsurances, https://indiainsurances.com/policy/niva-bupa-health-insurance/personal-accident-plan-nbhpaip25036v022425"}