What are the add-on benefits under this policy?

Heartbeat policy comes with several add-on benefits which you can voluntarily opt for by paying an extra premium. These are hospital cash, personal accident cover, critical illness cover, e-consultation, premium waiver and enhanced geographical scope for international coverage.

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.

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.

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.

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

Niva Bupa Heartbeat Health Insurance Wordings

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Highlights

Cashless Approval TAT	Within 30 minutes
Claim Settlement Ratio	92.00%
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

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Niva Bupa Health Insurance Plan List

Name of Plan	Sum Insured
Senior FirstPopular		Check Premium
Niva Bupa Health CompanionPopular		Check Premium
ReAssure 2.0Popular		Check Premium
Health Pulse Policy Min: 91 days; Max: 65 yearsPopular	3 Lakh - 25 Lakh	Check Premium
Health Companion PolicyMin : 91 Days; Max: 65 YearsPopular	3 Lakh - 1 Crore	Check Premium
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 yearsPopular		Check Premium
ReAssure Policy Min : 18 Years; Max: 65 Years	3 Lakh - 1 Crore	Check Premium
CritiCare PolicyMin: 18 years; Max: 65 years	3 Lakh - 2 Crore	Check Premium
Heartbeat PolicyMin: 18 years; Max: No Limit	5 Lakh - 1 Crore	Check Premium
Health PremiaMin: 3 Months; Max: 65 Years	1 Lakh	Check Premium
Corona Kavach PolicyMin : 1 Day; Max: 65 Years	50,000 - 5 lakh	Check Premium

Niva Bupa Health Insurance Top Up List

Name of Plan	Sum Insured
Health Recharge Policy Min: 18 years; Max: 65 yearsPopular	2 Lakh - 95 Lakh	Check Premium

10059 Niva Bupa Cashless Network Hospitals in India

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FAQs on Heartbeat Policy Health Insurance Plan

What are the add-on benefits under this policy?
Heartbeat policy comes with several add-on benefits which you can voluntarily opt for by paying an extra premium. These are hospital cash, personal accident cover, critical illness cover, e-consultation, premium waiver and enhanced geographical scope for international coverage.
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.
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.
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.
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

Claim Process at Niva Bupa Health Insurance

Network Hospital
Non-Network Hospital

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
3
Claim Processing
Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
4
Claim Settlement
Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
3
Claim Processing
Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
4
Claim Settlement
Once your request for reimbursement of expenses is approved, the claim will be settled.

Niva Bupa Health Insurance Contact Details

Reach us for help anytime

Insurance Dekho
755 1196 989Mon to Sun 10:00 AM to 7:00 PM
support@insurancedekho.com
Niva Bupa Health Insurance
1860-500-1000Mon to Fri 10:00 AM to 7:00 PM