How does the waiting period affect my coverage?

For the Heartbeat Silver Plan, pre-existing conditions are covered after 48 months of continuous coverage.

What happens if I don’t use my health insurance benefits for the entire year?

The plan offers loyalty additions, increasing your base sum insured by 10% annually upon renewal, up to a maximum of 100%.

Will my health insurance cover treatment abroad?

The Heartbeat Silver Plan provides international coverage for specified diseases and emergency hospitalization outside India, excluding the USA and Canada.

Are there any add-on covers available with Heartbeat Niva Bupa?

Yes — Heartbeat Niva Bupa offers the following add-on covers: Hospital Cash, Personal Accident Cover, E‑consultation, Premium Waiver (in case of death/specified illness), and Enhanced Geographical Scope for International Coverage (including USA/Canada)

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Health Insurance

Niva Bupa

HeartBeat Silver

Niva Bupa Heartbeat Silver Plan

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

7.6

Customer Rating

Brochure

Policy Wording

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92.02%

Claim Settlement Ratio

10000+

Network Hospitals

7.6

Customer Rating

Brochure

Policy Wording

Our Verdict

Expert Review: Niva Bupa Health Insurance

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Final Verdict

Niva Bupa Heartbeat Silver Plan suits families seeking comprehensive health coverage with maternity benefits and loyalty additions. However, the 48-month waiting period for pre-existing diseases may delay crucial coverage.

About

About Niva Bupa Health Insurance

The Niva Bupa Heartbeat Silver Plan is a comprehensive health insurance policy designed for individuals and families. It offers coverage for hospitalization expenses, including room rent and ICU charges, up to the chosen sum insured. The plan includes benefits such as maternity and newborn coverage after a waiting period of 24 months, loyalty additions with a 10% increase in the base sum insured upon renewal, and international emergency coverage (excluding the U.S. and Canada). Pre-existing conditions are covered after a 48-month waiting period.

The Niva Bupa Heartbeat Silver Plan is a comprehensive health insurance policy designed for individuals and families. It offers coverage for hospitalization expenses, including room rent and ICU charges, up to the chosen sum insured. The plan includes benefits such as maternity and newborn coverage after a waiting period of 24 months, loyalty additions with a 10% increase in the base sum insured upon renewal, and international emergency coverage (excluding the U.S. and Canada). Pre-existing...

Inclusions and Exclusions

Inclusions and Exclusions of Niva Bupa Insurance Company Limited

Room Rent

Normal: Covered up to Sum InsuredICU: Covered up to Sum Insured

Advanced Treatments

Robotic surgeriesStem cell therapyOral chemotherapyDeep brain stimulationBronchial thermoplastyIntraoperative neuro monitoring (IONM).

Co-payment

The policy does not mandate a co-payment, meaning the insurer covers the full admissible claim amount without requiring the insured to pay a portion.

Waiting Period

Initial Waiting Period: 30 days from policy inception for all illnesses, except accidents.Specific Diseases: A 24-month waiting period applies to certain specified conditions.Pre-existing Conditions: Coverage for pre-existing diseases begins after a 48-month waiting period.

Cashless Healthcare Providers

Access to over 10,000 network hospitals and clinics for cashless treatments.

Daycare Treatment

Covers medical procedures that require less than 24-hour hospitalization, such as cataract surgery and chemotherapy, accommodating treatments that don't necessitate extended hospital stays.

AYUSH Treatment

Expenses for alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered when availed at government-recognized institutions, promoting holistic healthcare options.

Room Rent

Normal: Covered up to Sum InsuredICU: Covered up to Sum Insured

Advanced Treatments

Robotic surgeriesStem cell therapyOral chemotherapyDeep brain stimulationBronchial thermoplastyIntraoperative neuro monitoring (IONM).

Co-payment

The policy does not mandate a co-payment, meaning the insurer covers the full admissible claim amount without requiring the insured to pay a portion.

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Exclusions

Pre-existing conditions are subject to a waiting period of 48 months of continuous coverage from the first policy start date.
Any diseases contracted during the first 30 days of the policy, except those arising from accidents.
Certain specified conditions have a waiting period of 24 months before coverage begins.
Treatments received outside the geographical limits of India, unless covered under specific international coverage benefits.
Expenses arising from self-inflicted injuries, substance abuse, or participation in hazardous activities.
Cosmetic or aesthetic treatments, unless necessitated by an accident or injury.
Maternity expenses and treatment for infertility or sterility, unless specifically covered under the policy terms.
Experimental or unproven treatments not recognized by the medical community in India.

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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...