
Niva Bupa Heartbeat Plan
Niva Bupa Health Insurance
Highlighted Features

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
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
Niva Bupa Heart Beat Platinum is a comprehensive health insurance plan offering extensive coverage for individuals and families. With sum insured options up to ₹3 crore, it includes in-patient hospitalization, pre- and post-hospitalization expenses, day care procedures, and domiciliary treatment. The plan covers maternity benefits, newborn baby care, and vaccination expenses. It also provides international treatment coverage for specified illnesses. Additional benefits include annual health check-ups, no room rent capping, and a loyalty bonus, ensuring complete financial security for medical needs.
About the Plan
Features of the Product
Room Rent (Normal & ICU)
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.
Advanced Treatments
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.
Co-payment
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.
Waiting Periods
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)
Cashless Healthcare Providers
10,000+ network hospitals.
Day Care Treatments
Covered under the policy.
AYUSH Treatment
Covered under this policy
Exclusions
Pre-existing diseases are not covered during the initial waiting period as specified in the policy terms.
Any illness or treatment arising within the first 30 days from policy inception, except for accidental injuries.
Expenses related to self-inflicted injuries, suicide attempts, or harm due to substance abuse.
Treatment for injuries or illnesses resulting from participation in hazardous or adventure sports.
Cosmetic or aesthetic procedures, including plastic surgery unless required due to an accident or medical necessity.
Treatment related to infertility, sterility, or any assisted reproductive procedures.
Expenses for obesity treatment, weight management procedures, or bariatric surgery unless medically necessary.
Treatment for mental disorders, psychiatric conditions, or behavioral issues unless specifically covered under the policy.
Injuries or illnesses resulting from war, terrorism, nuclear radiation, or biological weapons.
Experimental, unproven, or investigational treatments not recognized by medical authorities.
Exclusions
Hospital Cash - Receive a fixed daily cash benefit during hospitalization to cover incidental expenses not included in the standard policy.
Personal Accident Cover - Provides a lump sum payment in case of accidental death or disability, offering financial security during unforeseen events.
Critical Illness Cover - Offers a lump sum payout upon diagnosis of specified critical illnesses, aiding in managing treatment costs and associated expenses.
E-Consultation - Allows unlimited telephonic or online consultations with medical professionals, ensuring easy access to healthcare advice from the comfort of your home.
Premium Waiver - Waives future premiums if the policyholder passes away or is diagnosed with a specified illness, ensuring continued coverage without financial burden.
Enhanced Geographical Scope for International Coverage - Extends coverage to include medical emergencies and specified illnesses in the USA and Canada, providing global health protection.
Add-ons
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About the Company
Niva Bupa Health Insurance, formerly known as Max Bupa Health Insurance, is a prominent health insurance provider in India. It is a joint venture between Bupa, a UK-based healthcare services expert, and True North, an Indian private equity firm. The company offers a diverse range of health insurance plans tailored to meet the varying needs of individuals and families. Their policies are designed to provide comprehensive coverage, ensuring financial protection against unforeseen medical expenses.
One of their notable offerings is the ReAssure 2.0 Health Insurance Policy, which covers a wide array of medical expenses, including hospitalization, surgeries, doctor consultations, and post-hospitalization care. With a network of over 10,000 trusted healthcare providers across India, Niva Bupa ensures that policyholders have access to quality medical care when needed. Their commitment to customer satisfaction is evident through streamlined claim processes and wellness benefits, aiming to deliver peace of mind and financial security during medical emergencies.
In June 2024, Niva Bupa announced plans to raise $360 million through an initial public offering (IPO), potentially valuing the company at up to $2.5 billion.
This move underscores their growth trajectory and commitment to expanding their services in the Indian health insurance market.
Krishnan Ramachandran serves as the Managing Director and CEO of Niva Bupa Health Insurance Company Limited. With over 24 years of experience in the health insurance, healthcare, and life sciences industries, Mr. Ramachandran has previously held leadership positions at Apollo Munich Health Insurance Company Limited and Apollo DKV Insurance Company Ltd.