Niva Bupa Heartbeat

Niva Bupa Heart Beat is a comprehensive health insurance policy which will reimburse the cost of medical treatment done by a person for any injury, illness or accident. It covers hospitalisation costs and expenses incurred to undergo day-care treatments which do not require the person to be admitted in the hospital.

• Wide range of coverage amount ranging from Rs.2 lacs to Rs.50 lacs
• No restriction of age limit for enrolment. The policy covers everyone from newborn to senior citizens
• Assured renewal of policy for life
• No use of third party administrators (TPA) to process claims. The company has a direct claim service team and good cashless facility
• Provides for maternity and child care benefits including vaccinations
• Provides for all day care procedures without exceptions

There are three variants available in Niva Bupa Heart Beat Health insurance policy. They are -

1. Niva Bupa Heartbeat Gold
2. Niva Bupa Heartbeat Platinum
3. Niva Bupa Heartbeat Silver

• Treatment expenses during hospitalisation which includes pre and post operative care
• Expenses incurred on nursing, drugs and surgical dressings
• Hospital accommodation (single private room), operation theatre charges and intensive care unit (ICU) charges
• All day care procedures which do not require hospitalisation (for example pathology, X-ray, Chemotherapy, Radiotherapy, operation of cataract or tonsils, therapies, etc)
• Pre and post hospitalisation expenses which include doctor’s consultation, medicines, drugs, other consumables and diagnostic tests
• Maternity cover and new born baby cover

• Domiciliary treatment (covered up to Rs.50,000 in a specific plan)
• Emergency ambulance cost covered at actuals in network hospitals and up to Rs.2,000 otherwise
• Expenses for organ donor of transplant
• Health check-up expenses on every renewal
• Cumulative benefit of 10% for every year on renewal

Not available. This plan can be converted to Family Floater Plan or Family First Plan, as required.

Health Insurance premiums paid up to Rs. 15,000 in case of individuals and Rs 20,000 for senior citizens are allowed as a deduction from the taxable income each year under section 80D of the Income Tax Act.

• Pre existing diseases will not be covered for the first 4 policy years given there has been continuous renewal from the policy start date
• Treatment done in the first 90 days from the commencement of the policy, unless the treatment is done as a result of accident or emergency. This is referred to as a waiting period
• The waiting period for specific conditions in people above 60 years age will be 24 months
• If a person enters the policy at the age of 65 or above, then the company will pay only 80% of the reasonable charges and the balance 20% has to be borne by the policy holder (referred to as Co-payment)
• Certain diseases are permanently excluded such as non-allopathic treatment, cosmetic surgery, self-inflicted injuries, sleep disorders, addictive conditions and disorders, ageing and puberty, artificial life maintenance, congenital conditions, dental / oral treatment, eyesight, experimental treatment, HIV and AIDS, hereditary conditions, obesity, neurological and psychiatric conditions, speech disorders, treatment for developmental problems, treatment received outside India, unrecognized physician or facility