Niva Bupa Heartbeat Health Insurance
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Cashless Approval TAT | 30 mins Cashless Claim Processing |
Claim Settlement Ratio | 90.70% |
Network Hospitals | 10,000+ |
Pre-existing Disease Coverage From | Day 1 |
Special Benefits | Unlimited restoration |
Starting Premium for Rs. 5 lakhs SI | Rs. 550/month |
About Niva Bupa Heartbeat Health Insurance
Heartbeat Policy offered by Niva Bupa Health Insurance is a comprehensive medical insurance policy that comes in different variants namely Gold, Silver, Platinum, and FamilyFirst. The variants differ in sum insured range and features but all of them offer great coverage benefits at affordable premiums. The sum insured options in these variants start at Rs. 5 Lakh and go up to as high as Rs. 1 crore. You can buy the policy on an individual or family floater basis, as per your requirement. You can include several add-on benefits under this policy for added coverage, by paying an extra premium. These include hospital cash, personal accident cover, critical illness cover, e-consultation, premium waiver, and enhanced geographical scope for international coverage.
The policy covers you for several healthcare expenses such as emergency road ambulance expenses, in-patient hospitalisation expenses, vaccination of the newborn baby, domiciliary hospitalisation expenses, daycare expenses, pre-hospitalisation and post-hospitalisation expenses, alternative treatment, etc. Other reasons to buy this policy are direct claim settlement, tax benefits under Income Tax Act, 1961, lifetime renewability benefit, no waiting period for accidental hospitalisation, and free look period. The policy is full of benefits and hence becomes a preferred choice for many.
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Key Inclusions and Exclusions of the Plan
What's Included
- Treatment taken under AYUSH systems of medicines
- Pre-hospitalisation and post-hospitalisation expenses for limited days
- Maternity expenses for up to 2 deliveries after you and spouse are covered for 2 years
- Expenses related to newborn baby’s vaccination
- In-hospitalisation expenses
What's Not Included
- Expenses related to treatment of HIV/AIDS or STDs
- Treatment availed in an unrecognised hospital or by an unrecognised doctor
- Treatment required due to participation in hazardous activities
- Sleep disorders, infections, or STDs
- Treatment taken outside India
10059 Niva Bupa Cashless Network Hospitals in India
Add-ons to Enhance Benefits
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Personal Accident Cover
This add-on provides you cover in case of an accident, if you are aged 18 years and above, on an individual basis. -
E-consultation
With this add-on, you can avail unlimited tele or online consultations. The benefit is available in all variants. You can include this add-on under the policy, by paying an extra premium at the time of policy purchase. -
Premium Waiver
Premium waiver add-on offers you a one-time premium waiver if the policyholder (who is also the insured person) dies or suffers from specified illness. -
Geographical Scope for International Coverage
With this add-on, USA and Canada will be included for emergency medical evacuation, emergency hospitalisation and specified illness cover.
Claim Process at Niva Bupa Health Insurance
FAQs on Heartbeat Policy Health Insurance Plan
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What are the sum insured options available under this policy?
The sum insured options under this policy are of Rs. 5 Lakh, Rs. 7.5 Lakh, Rs. 10 Lakh, Rs. 15 Lakh, Rs. 20 Lakh, Rs. 30 Lakh, Rs. 50 Lakh, and Rs. 1 crore.
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Can I avail maternity benefits under this policy?
Yes. You can avail maternity benefits under this policy, for Rs. 35,000 to Rs. 2 Lakh. The coverage benefits differ with different sum insured options.
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Is there any additional coverage for platinum customers under this policy?
Yes. The policy offers additional coverage to platinum customers such as international treatment for specified illnesses, cover for OPD treatment, cover for second medical opinion, and emergency medical evacuation and hospitalisation for medical emergencies.
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Am I covered for expenses incurred outside the hospital, under this policy?
Yes. You are covered for the following expenses under this policy:
- Pharmacy and diagnostic services
- Emergency assistance services like air ambulance, medical referral, medical repatriation, etc.
- Domiciliary coverage treatments as prescribed by a medical practitioner