Niva Bupa Heartbeat
A Comprehensive Health Plan for Complete Care
Niva Bupa Heartbeat
A Comprehensive Health Plan for Complete Care
Overview
Niva Bupa Heartbeat is a comprehensive health insurance plan designed to offer complete protection for you and your family. It provides extensive coverage for medical expenses, including advanced treatments and wellness benefits, ensuring you have peace of mind knowing your health is secured.
Key Features
Worldwide Coverage
The plan offers optional worldwide coverage for emergency hospitalization, ensuring you're protected even when traveling.
Maternity & Newborn Baby Cover
Heartbeat covers maternity expenses and provides comprehensive protection for your newborn baby from day one.
No Room Rent Capping
Enjoy the freedom to choose any hospital room without any sub-limits or capping on room rent.
Day Care Treatments
The plan covers all daycare treatments that do not require a 24-hour hospital stay.
Health Check-ups
You can avail of cashless health check-ups annually to help you stay proactive about your health.
Modern Treatment Coverage
The policy covers new-age treatments like robotic surgeries, bariatric surgery, and other advanced procedures.
Comprehensive Coverage
The plan offers extensive coverage for a wide range of medical expenses, including:
- In-Patient Hospitalization: Covers expenses for hospital stays, including room rent, ICU charges, and doctor fees.
- Pre & Post Hospitalization: Medical expenses are covered for 60 days before and 180 days after hospitalization.
- Ambulance Charges: Covers ambulance expenses up to ₹3,000 for emergency transfers.
- Organ Donor Expenses: Hospitalization costs for the organ donor are covered up to the sum insured.
- Domiciliary Treatment: The policy covers medical treatment taken at home if a hospital bed is unavailable or on the advice of a medical practitioner.
Waiting Periods
There are standard waiting periods that apply before certain claims can be made:
- Initial Waiting Period: A 30-day waiting period from the policy start date for all illnesses, except those due to an accident.
- Specific Illnesses: A 24-month waiting period for certain specified illnesses and procedures like hernia and joint replacement surgery.
- Pre-existing Diseases: A 48-month waiting period applies to claims for pre-existing diseases.
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