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)

How does the loyalty addition benefit reward policyholders during the continuous renewal process?

The plan rewards policyholders by applying a 10% loyalty increase to the base sum insured upon policy renewal, effectively expanding your medical protection cushion as long as coverage remains active.

OneAssure

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

Policy Brochure

Policy Policy Wording

Get a Quote

92.02

Claim Settlement Ratio

10000

Network Hospitals

7.6

Customer Rating

Policy Brochure

Policy Policy Wording

Our Verdict

Expert Review: Niva Bupa Health Insurance

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...

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 Insurance Company Limited

Room Rent

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

Advanced Treatments

Robotic surgeries
Stem cell therapy
Oral chemotherapy
Deep brain stimulation
Bronchial thermoplasty
Intraoperative 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.

Cashless Healthcare Providers

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

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.

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 Insured
ICU: Covered up to Sum Insured

Advanced Treatments

Robotic surgeries
Stem cell therapy
Oral chemotherapy
Deep brain stimulation
Bronchial thermoplasty
Intraoperative 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.

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.

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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...