Niva Bupa Heartbeat Platinum Plan

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.

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.

Covered under this policy

10,000+ network hospitals.

Covered under the policy.

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)

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.