Niva Bupa Health Insurance

NIVA bupa heart beat gold

Niva Bupa Health Insurance

85.18%
Claim Settlement Ratio
10,000
Network Hospitals

Highlighted Features

Room Rent and ICU limit

Room Rent and ICU limit

Niva bupa heart beat gold covers room rent and ICU charges without caps, ensuring full coverage up to the sum insured.

Advanced Treatments

Advanced Treatments

Coverage includes advanced treatments such as coronary angiography, cancer radiotherapy, chemotherapy, and palliative care, ensuring access to essential medical support during critical times.

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Our 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 the Plan

Features of the Product

01

Room Rent (Normal & ICU)

  1. Normal: single A/C private room

  2. ICU: no limit, expenses incurred would be covered by the policy.

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02

Advanced Treatments

  1.  Uterine Artery Embolization and HIFU (High intensity focused ultrasound) 

  2. Balloon Sinuplasty

  3.   Deep Brain stimulation 

  4.  Oral chemotherapy 

  5. Immunotherapy- Monoclonal Antibody to be given as injection 

  6. Intra vitreal injections 

  7.  Robotic surgeries and many more.

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03

Co-payment

  1. This does not apply if the insured is 60 years of age or below. However, this condition will not be applicable if you were aged 45 years or below at the time of buying this policy for the first time and have renewed it continuously after that.

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04

Waiting Periods

  1. Initial Waiting Period: A 30-day waiting period applies from the policy's inception, during which claims are not admissible, except for those arising from accidents. 
     

  2. Pre-existing Disease Waiting Period: For the Silver plan, pre-existing diseases are covered after 48 months of continuous coverage. For Gold and Platinum plans, this period is reduced to 24 months.

     

  3. Specific Disease/Procedure Waiting Period: For individuals above 45 years of age, certain listed illnesses and procedures are covered after a 24-month.
     

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05

Cashless Healthcare Providers

  1. 10675+ network hospitals in India.

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06

Day Care Treatments

  1. Covered under the policy.

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07

AYUSH Treatment

  1. Covered under the policy.

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Exclusions

Add-ons

Looking for a Specific Hospital ?

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Why OneAssure?

Coverage That Grows with You

We help you maximize your coverage over time for stronger protection.

About the Company

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