What is the waiting period for pre-existing diseases under HeartBeat Enhanced?

The waiting period depends on the plan selected. Gold plans have a 24-month waiting period for pre-existing diseases, while Silver plans have a 48-month waiting period from the policy start date.

What is the Health Relationship Loyalty Program?

The program rewards customers for staying claim-free. Policyholders can choose between renewal reward points or an annual increase in sum insured, which can accumulate up to 50% of the original base sum insured.

How can I avail cashless treatment under this policy?

Cashless hospitalization can be availed at more than 3,500 network hospitals associated with the insurer. Eligible medical expenses are settled directly as per policy terms and conditions.

Does the plan have co-payment requirements?

Customers below 65 years can voluntarily choose a 10% or 20% co-payment option for premium discounts. For customers aged 65 years and above, co-payment reduces with continuous renewals and may become zero after four years.

OneAssure

Health Insurance

Niva Bupa

HeartBeat Enhanced

Experience India's most trusted health insurance with Niva Bupa Health Insurance. Get instant cashless treatment at 10000 network hospitals with sum insured up to ₹50 lakhs.

92.02

Claim Settlement Ratio

10000

Network Hospitals

0

Customer Rating

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92.02

Claim Settlement Ratio

10000

Network Hospitals

0

Customer Rating

Our Verdict

Expert Review: Niva Bupa Health Insurance

Final Verdict

HDFC ERGO Health Wallet stands out because of its Reserve Benefit feature that grows over time and can be used for multiple healthcare expenses beyond hospitalization, making it suitable for customers seeking both protection and long-term healthcare value.

About

About Niva Bupa Health Insurance

HDFC ERGO Health Wallet is a comprehensive health insurance plan designed to provide both hospitalization coverage and long-term healthcare savings benefits. Its standout feature is the Reserve Benefit, which carries forward unused amounts every year and adds a 6% bonus on renewal. The plan also offers Restore Benefit, Multiplier Benefit, Worldwide Emergency Coverage, Preventive Health Check-Ups, and optional deductible features. Over time, policyholders can use accumulated Reserve Benefits for a wide range of healthcare expenses including consultations, medicines, diagnostics, dental expenses, and wellness-related purchases.

HDFC ERGO Health Wallet is a comprehensive health insurance plan designed to provide both hospitalization coverage and long-term healthcare savings benefits. Its standout feature is the Reserve Benefit, which carries forward unused amounts every year and adds a 6% bonus on renewal. The plan also offers Restore Benefit, Multiplier Benefit, Worldwide Emergency Coverage, Preventive Health Check-Ups, and optional deductible features. Over time, policyholders can use accumulated Reserve Benefits for a wide range of healthcare expenses...

Inclusions and Exclusions

Inclusions and Exclusions of Niva Bupa Insurance Company Limited

Co-payment

Optional 10% or 20% co-payment available for customers below 65 years to obtain premium discounts.

Advanced Treatments

Not mentioned — verify from policy wordings.

Room Rent

Normal: Covered up to Sum Insured
ICU: Covered up to Sum Insured

Cashless Healthcare Providers

3,500+ network hospital

AYUSH Treatment

Not mentioned — verify from policy wordings

Daycare Treatment

Covered

Waiting Period

Initial Waiting Period: 90 days
Pre-existing Disease Waiting Period: Gold Plan – 24 months; Silver Plan – 48 months
Specific Disease/Procedure Waiting Period: 24 months

Co-payment

Optional 10% or 20% co-payment available for customers below 65 years to obtain premium discounts.

Advanced Treatments

Not mentioned — verify from policy wordings.

Room Rent

Normal: Covered up to Sum Insured
ICU: Covered up to Sum Insured

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Exclusions

Not available

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About the company

Niva Bupa Health Insurance Company Ltd. (formerly Max Bupa) is a standalone health insurer in India, formed through a joint venture between the UK-based Bupa Group and Indian private equity firm True North. Established in 2008, the company offers a comprehensive range of health insurance products for individuals, families, and senior citizens, designed to make quality healthcare more accessible and affordable. The company operates with a nationwide network of over 10,000 hospitals and provides coverage across hospitalization, surgeries, consultations, and post-hospital care. Under the leadership of Managing Director and CEO Krishnan Ramachandran, Niva Bupa has expanded its presence and strengthened its digital and service capabilities to enhance the customer experience. Listed on both the BSE and NSE after its November 2024 IPO, Niva Bupa reflects...

Niva Bupa Health Insurance Company Ltd. (formerly Max Bupa) is a standalone health insurer in India, formed through a joint venture between the UK-based Bupa Group and Indian private equity firm True North. Established in 2008, the company offers a comprehensive range of health insurance products for individuals, families, and senior citizens, designed to make quality healthcare more accessible and affordable. The company operates with a nationwide network of over 10,000 hospitals and provides coverage...