Niva Bupa Heartbeat Gold Plan

No restriction on ICU room rent

Yes

Optional

100% of base sum insured restored once every policy year for future claims

Your sum insured increases by 10% every year, maximum up to 100%

Yes

90 days.

2 years

3 years

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Health check-up is available once every policy year, from day 1 of the policy

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

92.02%

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

OPD expenses are not available

Available as an option

10000+ Healthcare Providers

Available coverage options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹30L, ₹1Cr

Available with capping based on base sum insured.

Covered up to Sum Insured (except for Suite or above room category)

Covered up to Sum Insured