Niva Bupa Heartbeat Family Floater

Niva Bupa Heartbeat Family Floater is a health insurance policy which covers cost of medical treatment, hospitalisation and day care procedures incurred by all the covered family members of maximum 2 adults and 2 children. The policy also provides maternity and child care benefits.

• Wide cover on sum insured from Rs.2 lakhs to Rs.50 lakhs
• No age restriction. Covers everyone from newborn to senior citizens
• Assured renewal of policy for life
• No intermediary TPA. Claims directly settled by Niva Bupa
• Covers maternity and new born baby including first year vaccinations
• All Day Care procedures are covered without exceptions

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

1. Niva Bupa Heartbeat Silver - Sum insured Rs.2 lakhs and Rs.3 lakhs
2. Niva Bupa Heartbeat Gold -  Rs.5 lakhs, Rs.7.5 lakhs, Rs.10 lakhs
3. Niva Bupa Heartbeat Platinum - Rs.15 lakhs, Rs.20 lakhs, Rs.50 lakhs

• Treatment expenses during hospitalisation which includes pre and post operative care
• Expenses incurred on nursing, drugs and surgical dressings
• All day care procedures which do not require hospitalisation like X-ray, Chemotherapy, Radiotherapy, pathology tests
• Pre and post hospitalisation expenses for 30 days and 60 days respectively
• Doctor’s consultation and fees
• Hospital accommodation (single private room), operation theatre charges and intensive care unit (ICU) charges
• Cost of medicines, drugs, other consumables and diagnostic tests
• Maternity cover for up to 2 deliveries and new born baby cover
• Domiciliary treatment 

• 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
• Vaccination for children covered in Platinum plan

• 2 adults
• 2 adults + 1 child
• 2 adults + 2 children
• 1 adult + 1 child
• 1 adult + 2 children

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 for the first 4 policy years
• Any illness or disease suffered in the first 90 days from the commencement of the policy except in case of an accident or emergency.
• For persons over 65 yrs or above, 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)
• Non-allopathic treatments, cosmetic surgery, obesity related treatments
• Sleep disorders, self-inflicted injuries, addictive conditions and disorders
• Puberty and ageing, artificial life maintenance, congenital and hereditary conditions
• Dental or oral treatment, eyesight, experimental treatment
• HIV and AIDS, hereditary conditions, neurological and psychiatric conditions, speech disorders, treatment for developmental problems, treatment received outside India, unrecognized physician or facility
• For persons over 60 yrs of age, 24 month waiting period on some conditions

ICICI Lombard Family Floater Health Insurance

Apollo Munich Easy Health

IFFCO Tokio Swasthya Kavach Health Insurance