Is emergency ambulance service covered?

Yes. Ambulance expenses incurred during a medical emergency are covered up to the limits specified in the policy.

What happens if I get hospitalized in a non-network hospital?

You can avail reimbursement benefits by submitting the required claim documents, subject to policy terms and claim approval.

How does the waiting period affect my coverage?

A 30-day waiting period applies for new policies, 48 months for pre-existing conditions, and 24 months for specific illnesses.

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

A No Claim Bonus increases your sum insured annually for each claim-free year, providing additional coverage without extra premium costs.

Does the Niva Bupa Heart Beat Platinum plan cover treatment abroad?

The plan primarily covers treatment in India, but optional add-ons may provide limited international coverage for medical emergencies.

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)

OneAssure

Health Insurance

Niva Bupa

HeartBeat Platinum

Niva Bupa Heartbeat Platinum 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

0

Customer Rating

Policy Brochure

Get a Quote

92.02

Claim Settlement Ratio

10000

Network Hospitals

0

Customer Rating

Policy Brochure

Our Verdict

Expert Review: Niva Bupa HeartBeat Platinum

Final Verdict

Niva Bupa Heart Beat Platinum offers comprehensive coverage with maternity, international treatment, and critical illness benefits. Ideal for individuals and families seeking high sum insured options and global health protection.

About

About Niva Bupa HeartBeat Platinum

Niva Bupa Heart Beat Platinum is a comprehensive health insurance plan offering extensive coverage for individuals and families. With sum insured options up to ₹3 crore, it includes in-patient hospitalization, pre- and post-hospitalization expenses, day care procedures, and domiciliary treatment. The plan covers maternity benefits, newborn baby care, and vaccination expenses. It also provides international treatment coverage for specified illnesses. Additional benefits include annual health check-ups, no room rent capping, and a loyalty bonus, ensuring complete financial security for medical needs.

Niva Bupa Heart Beat Platinum is a comprehensive health insurance plan offering extensive coverage for individuals and families. With sum insured options up to ₹3 crore, it includes in-patient hospitalization, pre- and post-hospitalization expenses, day care procedures, and domiciliary treatment. The plan covers maternity benefits, newborn baby care, and vaccination expenses. It also provides international treatment coverage for specified illnesses. Additional benefits include annual health check-ups, no room rent capping, and a loyalty bonus, ensuring...

Platinum Ratings

Ratings: Niva Bupa Platinum

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

Inclusions and Exclusions of Niva Bupa HeartBeat Platinum

Co-payment

Niva Bupa Heart Beat Platinum does not have a mandatory copayment for most claims. However, if the insured individual is a senior citizen or opts for treatment in a non-network hospital, a copayment clause may apply as per policy terms.

Room Rent

Normal: offers no room rent capping, meaning policyholders can opt for any hospital room, including private rooms, without any sub-limits. ICU charges are also fully covered up to the sum insured.

AYUSH Treatment

Covered under this policy

Waiting Period

Initial Waiting Period: 30 days for all illnesses except accidents.
Pre-existing Diseases (PED): Covered after 24 to 48 months, depending on policy terms.
Specified Illnesses & Treatments: Subject to a 24-month waiting period for conditions like hernia, cataract, and joint replacements.
Maternity Benefits: Available after a 24-month waiting period (if maternity cover is opted for)

Daycare Treatment

Covered under the policy.

Cashless Healthcare Providers

10,000+ network hospitals.

Advanced Treatments

Robotic Surgeries – Ensures access to cutting-edge minimally invasive procedures.
Stem Cell Therapy – Covered for approved medical conditions.
Organ Transplants – Covers donor and recipient hospitalization expenses.
Bariatric Surgery – Included for medically necessary weight-loss treatment.
Cancer Treatments – Covers chemotherapy, radiation, and immunotherapy.
Cardiac Care – Advanced heart procedures, including angioplasty and bypass surgery.

Co-payment

Niva Bupa Heart Beat Platinum does not have a mandatory copayment for most claims. However, if the insured individual is a senior citizen or opts for treatment in a non-network hospital, a copayment clause may apply as per policy terms.

Room Rent

Normal: offers no room rent capping, meaning policyholders can opt for any hospital room, including private rooms, without any sub-limits. ICU charges are also fully covered up to the sum insured.

AYUSH Treatment

Covered under this policy

Exclusions

Pre-existing diseases are not covered during the initial waiting period as specified in the policy terms.
Any illness or treatment arising within the first 30 days from policy inception, except for accidental injuries.
Expenses related to self-inflicted injuries, suicide attempts, or harm due to substance abuse.
Treatment for injuries or illnesses resulting from participation in hazardous or adventure sports.
Cosmetic or aesthetic procedures, including plastic surgery unless required due to an accident or medical necessity.

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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...