Heartbeat Silver Max Bupa Plan
Niva Bupa Health Insurance
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 & ICU)
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 Periods
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.
Day Care Treatments
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
Hospital Cash - Provides a daily cash allowance during hospitalization to cover incidental expenses.
E-Consultation - Access to virtual consultations with medical professionals, offering convenience and timely medical advice.
Personal Accident Cover - Financial protection in case of accidental death or disability, ensuring additional security for the policyholder.
Critical Illness Cover - Lump-sum benefit upon diagnosis of specified critical illnesses, aiding in managing treatment costs and associated expenses.
Premium Waiver - In the event of the policyholder's demise or diagnosis of a specified illness, future premiums are waived, ensuring continued coverage without financial strain.
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.
About the Company
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