Niva Bupa Heartbeat

A Comprehensive Health Plan for Complete Care

Overview

Niva Bupa Heartbeat is a comprehensive health insurance plan designed to offer complete protection for you and your family. It provides extensive coverage for medical expenses, including advanced treatments and wellness benefits, ensuring you have peace of mind knowing your health is secured.

Key Features

Worldwide Coverage

The plan offers optional worldwide coverage for emergency hospitalization, ensuring you're protected even when traveling.

Maternity & Newborn Baby Cover

Heartbeat covers maternity expenses and provides comprehensive protection for your newborn baby from day one.

No Room Rent Capping

Enjoy the freedom to choose any hospital room without any sub-limits or capping on room rent.

Day Care Treatments

The plan covers all daycare treatments that do not require a 24-hour hospital stay.

Health Check-ups

You can avail of cashless health check-ups annually to help you stay proactive about your health.

Modern Treatment Coverage

The policy covers new-age treatments like robotic surgeries, bariatric surgery, and other advanced procedures.

Comprehensive Coverage

The plan offers extensive coverage for a wide range of medical expenses, including:

  • In-Patient Hospitalization: Covers expenses for hospital stays, including room rent, ICU charges, and doctor fees.
  • Pre & Post Hospitalization: Medical expenses are covered for 60 days before and 180 days after hospitalization.
  • Ambulance Charges: Covers ambulance expenses up to ₹3,000 for emergency transfers.
  • Organ Donor Expenses: Hospitalization costs for the organ donor are covered up to the sum insured.
  • Domiciliary Treatment: The policy covers medical treatment taken at home if a hospital bed is unavailable or on the advice of a medical practitioner.

Waiting Periods

There are standard waiting periods that apply before certain claims can be made:

  • Initial Waiting Period: A 30-day waiting period from the policy start date for all illnesses, except those due to an accident.
  • Specific Illnesses: A 24-month waiting period for certain specified illnesses and procedures like hernia and joint replacement surgery.
  • Pre-existing Diseases: A 48-month waiting period applies to claims for pre-existing diseases.

 

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Niva Bupa Health Insurance Company Limited is one of India's leading standalone health insurers (SAHI), headquartered in New Delhi and founded in 2008. The company was formerly known as Max Bupa Health Insurance Company Limited and was rebranded to Niva Bupa in 2021. Niva Bupa offers a wide range of health insurance products for individuals, families, senior citizens, and corporate employees.

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