Niva Bupa Heartbeat Health Insurance Plan

• Direct Claim Settlement with the Co.
• Cashless treatment in more than 3500+ Network Hospitals
• Assured policy renewal
• No minimum and maximum age limit for enrollment
• Grab Discount for opting 2 year policy term

• Hospitalization expenses for medical treatment are covered up to the sum insured under inpatient benefits.
• Pre & Post Hospitalization expenses are covered which is 60 days before hospitalization and 90 days after discharge as per the policy conditions.
• Daycare procedures are covered under this plan only if not undertaken in OPD.
• OPD will also cover the platinum plan. 
• Organ Donor medical expenses are covered under this plan.
• Domiciliary treatment or home based treatment is covered as per the specified limits under this plan.
• Maternity benefits available upto 2 deliveries for family floater & family first heartbeat plans.

• Free Health Check up every 2 years at the time of renewal with empaneled service provider.
• Top up your coverage with the High Deductible option at an affordable cost.
• Additional benefits through Health Relationship Program.
• Cost of emergency Ambulance service is covered post acceptance of the claim as specified.
• Special value added services like international treatment, OPD cover, emergency medical evacuation, child care benefits are exclusively available with the Platinum variant of Heartbeat health insurance plan.
• Tax Benefit under section 80D of Income Tax Act, 1961.

• Room Rent Limit varies as per the sum insured opted. Shared room or 1% of the base sum insured for health cover upto 3 lacs,Single private room for health cover 5 lacs to 50 lacs and family first gold plan.
• Voluntary Co pay applies for insured less than 65 years of age upto 10% or 20 % of the claim amount.

• Initial Waiting Period: Any diseases contracted during first 90 days of the policy start date, except those arising out of accidents.
• Specific Waiting Period: Some treatments such as non infective arthritis, joint replacement, hernia, etc. is covered after 2 consecutive policy years.
• Pre existing Disease Waiting Period: Silver variant of this plan has a waiting period of 4 years and gold and platinum variant has a waiting period of 2 years to cover pre existing diseases.

Look, we always want more with our investment and the below-listed services are like "more" for you. 

• E-Consultation is available for both the Gold and Platinum Plan.
• Personal Accident Cover for both the Gold and Platinum Plan.
• Critical Illness is covered under both the Gold and Platinum Plan. 

• Non Allopathic Treatment
• Pre-existing Conditions 
• Expenses attributable to self-inflicted injury
• Convalescence and Rehabilitation Benefits, etc.