OneAssure

Health Insurance

Niva Bupa

HeartBeat Gold

Niva Bupa Heartbeat Gold Plan

92.02%

Claim Settlement Ratio

10,000+

Network Hospitals

8/10

Plan Rating

Policy Brochure

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Our Verdict

Expert Review: Niva Bupa HeartBeat Gold

Final 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

What Is HeartBeat Gold?

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.

Gold Ratings

Gold

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

Niva Bupa HeartBeat Gold Inclusions and Exclusions

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

92.02%

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.

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About the company

About Niva Bupa

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.