Niva Bupa Heartbeat Gold Plan
Niva Bupa
8.0/10
OneAssure Rating
8.0/10
OneAssure Rating
Highlighted Features
Room Rent and ICU limit
Niva bupa heart beat gold covers room rent and ICU charges without caps, ensuring full coverage up to the sum insured.
Advanced Treatments
Coverage includes advanced treatments such as coronary angiography, cancer radiotherapy, chemotherapy, and palliative care, ensuring access to essential medical support during critical times.
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Our Verdict
Niva Bupa Heartbeat offers high sum insured options, maternity cover, and international treatment benefits. Ideal for families and individuals seeking extensive coverage, though premiums may be high, and some add-ons have coverage limits.
About the Plan
Niva Bupa's Heartbeat Health Insurance Plan is a comprehensive policy offering extensive coverage for individuals and families. It provides a range of sum insured options, from ₹5 lakh to ₹1 crore, catering to diverse healthcare needs. Key benefits include coverage for in-patient hospitalization, pre- and post-hospitalization expenses, and 536 listed day care procedures. The plan also offers maternity and newborn coverage, health check-ups, and international coverage for specified illnesses and emergencies.
About the Plan
Product Stats
Rating
Features of the Product
ICU Charges
No restriction on ICU room rent
Disease-wise sublimits
Yes
Co-payment
Optional
Restoration Benefit
100% of base sum insured restored once every policy year for future claims
Cumulative Bonus
Your sum insured increases by 10% every year, maximum up to 100%
Consumable Cover
Yes
Initial Waiting Period
90 days.
Specific Waiting Period
2 years
PED Waiting Period
3 years
Modern Treatment
Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period
Annual Health Checkup
Health check-up is available once every policy year, from day 1 of the policy
Daycare Treatment
Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured
AYUSH Treatment
Covers AYUSH treatment expenses up to your annual sum insured during the policy period
Pre-Hospitalisation
You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved
Post-Hospitalisation
You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it
Outpatient Department Cover (OPD Expense)
OPD expenses are not available
Deductible Option
Available as an option
Cashless Healthcare Providers
10000+ Healthcare Providers
Coverage Options
Available coverage options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹30L, ₹1Cr
Claim Settlement Ratio
90.10%
Maternity Cover
Available with capping based on base sum insured.
Room Rent
Covered up to Sum Insured (except for Suite or above room category)
Advanced Treatments
Covered up to Sum Insured
Exclusions
Pre-existing diseases are subject to a 24-month waiting period.
Ancillary hospital charges are not covered.
Hazardous activities leading to injury or illness are excluded.
Artificial life maintenance expenses are not covered.
Autoimmune disorders are excluded.
Behavioral, neurodevelopmental, and neurodegenerative disorders are not covered.
Exclusions
Related Variants
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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 strong financial performance and market confidence.
About the Company
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