India's 1st IRDAI Approved Insurance Web Aggregator

Niva Bupa Heartbeat Family Floater

  •  views
  •  views


Niva Bupa Heartbeat Family Floater Health Insurance Policy


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.



Key Features of Niva Bupa Heartbeat Family Floater Health Insurance Policy


  • 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


Variants in Niva Bupa Heartbeat Family Floater Health Insurance Plan


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



What is covered in Niva Bupa Heartbeat Family Floater Insurance Plan?


  • 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 


Additional Benefits of Niva Bupa Heartbeat Family Floater Health Insurance Plan


  • 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



Eligibility and Restrictions of Niva Bupa Heartbeat Family Floater Insurance Policy






Coverage Amount (in Rs.)



Policy Term (in years)



Entry Age (in years)


No restriction

Renewable till Age (in years)


Life long



Family floater policy will cover


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



Tax Benefits Niva Bupa Heartbeat Family Floater Insurance Policy


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.



Exclusions - What is not covered in Niva Bupa Heartbeat Family Floater Insurance Policy?


  • 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



Alternate health insurance plans from other insurance companies


ICICI Lombard Family Floater Health Insurance

Apollo Munich Easy Health

IFFCO Tokio Swasthya Kavach Health Insurance


Compare Health Plans

Leave a Comment

Health Insurance Calculator
Important: Insurance is the subject matter of solicitation | © 2009-2022