Niva Bupa Heartbeat Silver Plan
Niva Bupa
7.6/10
OneAssure Rating
7.6/10
OneAssure Rating
Highlighted Features
Room Rent (Normal & ICU)
Covers hospital room and ICU expenses up to the sum insured, ensuring financial security for hospitalization.
Advanced Treatments
Covers robotic surgeries, oral chemotherapy, and deep brain stimulation, ensuring access to modern medical advancements.
Brochure
Policy Wording
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Our 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 the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
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.
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.
Cashless Healthcare Providers
Access to over 10,000 network hospitals and clinics for cashless treatments.
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.
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.
Cosmetic or aesthetic treatments, unless necessitated by an accident or injury.
Maternity expenses and treatment for infertility or sterility, unless specifically covered under the policy terms.
Experimental or unproven treatments not recognized by the medical community in India.
Non-medical expenses such as administrative fees, registration charges, or service charges levied by the hospital.
Injuries or illnesses resulting from acts of war, nuclear contamination, or biological weapons.
Exclusions
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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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