Niva Bupa Health Insurance

Niva Bupa Heartbeat Plan

Niva Bupa Health Insurance

85.18%
Claim Settlement Ratio
10,000
Network Hospitals

Highlighted Features

Room Rent (Normal & ICU)

Room Rent (Normal & ICU)

This policy includes room rent coverage, offering a single private room for normal hospitalization and no cap on ICU stays.

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 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 the Plan

Features of the Product

01

Room Rent (Normal & ICU)

  1. 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.

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02

Advanced Treatments

  1. Robotic Surgeries – Ensures access to cutting-edge minimally invasive procedures.

  2. Stem Cell Therapy – Covered for approved medical conditions.

  3. Organ Transplants – Covers donor and recipient hospitalization expenses.

  4. Bariatric Surgery – Included for medically necessary weight-loss treatment.

  5. Cancer Treatments – Covers chemotherapy, radiation, and immunotherapy.

  6. Cardiac Care – Advanced heart procedures, including angioplasty and bypass surgery.

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03

Co-payment

  1. 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.

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04

Waiting Periods

  1. Initial Waiting Period: 30 days for all illnesses except accidents.

  2. Pre-existing Diseases (PED): Covered after 24 to 48 months, depending on policy terms.

  3. Specified Illnesses & Treatments: Subject to a 24-month waiting period for conditions like hernia, cataract, and joint replacements.

  4. Maternity Benefits: Available after a 24-month waiting period (if maternity cover is opted for)

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05

Cashless Healthcare Providers

  1. 10,000+ network hospitals.

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06

Day Care Treatments

  1. Covered under the policy. 

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07

AYUSH Treatment

  1. Covered under this policy

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Exclusions

Add-ons

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