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

Get a Quote

92.02%

Claim Settlement Ratio

10000+

Network Hospitals

0

Customer Rating

Our Verdict

Expert Review: Niva Bupa HeartBeat Enhanced

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 HeartBeat Enhanced

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...

Enhanced Ratings

Ratings: Niva Bupa Enhanced

Insurer Rating

7.1

out of 10

Insurance Rating

8

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

Yes

Unlimited Restoration

Yes

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of Niva Bupa HeartBeat Enhanced

Advanced Treatments

Not mentioned — verify from policy wordings.

Co-payment

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

Room Rent

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

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

AYUSH Treatment

Not mentioned — verify from policy wordings

Daycare Treatment

Covered

Cashless Healthcare Providers

3,500+ network hospital

Advanced Treatments

Not mentioned — verify from policy wordings.

Co-payment

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

Room Rent

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

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...

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...