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Heartbeat – Individual Health Insurance Plan

Our most comprehensive health insurance plan with

international emergency coverage

No Room Rent Cap

In case of hospitalization, room rent is covered up to sum insured. *

Day Care Treatments

Your health insurance will cover host of day care procedures

International Coverage

Insure your health even when you travel abroad under platinum plan

OPD Treatments

Stay worry-free as we cover OPD treatments under platinum plan

Maternity & New-born coverage

No additional premium for covering a new born baby from day 1

Loyalty Bonus

Irrespective of claim history, get 10% more sum insured annually

Hospitalisation

IN-PATIENT CARE (HOSPITALISATION)

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Get cashless coverage for hospitalisation expenses for all insured members at network hospitals.

PRE & POST HOSPITALISATION MEDICAL EXPENSES

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The policy covers expenses 60 days before hospitalisation and 90 days post discharge.

DOMICILIARY HOSPITALISATION

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The policy will reimburse you for the medical treatment taken at home on account of unavailability of a hospital bed or the doctor’s advice

ORGAN TRANSPLANT

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Medical expenses for an organ donor’s inpatient treatment for the harvesting of the organ is also covered

OPD TREATMENT AND DIAGNOSTIC TESTS

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Get reimbursements for expenses towards medically necessary treatments as an outpatient with a doctor under platinum plan

EMERGENCY AMBULANCE

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The policy covers the cost of ambulance. These expenses are paid once we have accepted the inpatient claim

DAY-CARE TREATMENT COVERED

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Your health insurance will cover host of day care procedures

ALTERNATIVE TREATMENTS

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We will indemnify the medical expenses incurred on the insured person’s hospitalization for Inpatient Care on treatment taken under Ayurveda, Unani, Siddha and Homeopathy.

Standout Features

DIRECT CLAIM SETTLEMENT

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There are no third-party agents involved. Get your claims processed painlessly by our customer service team directly

RENEWAL FOR LIFE

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Get assured renewal of the policy for life with no extra loadings based on your claim history

INTERNATIONAL COVERAGE

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Covers specified illnesses and emergency hospitalisation and emergency medical evacuation outside India

LOYALTY BENEFIT

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Irrespective of your claim history, you will get an increase of 10% of expiring base Sum Insured every year, subject to maximum of 100% of base Sum Insured

MATERNITY & NEWBORN COVERAGE

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Avail maternity benefits and no additional premium for covering a new born baby from day 1 till policy year end

ENTRY AGE AND FAMILY COVERAGE

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The entry age for adults under this policy can be from 18 to 65 years. The entry age for dependent children is from 91 days to 21 years in a family floater policy. The policy can be taken individually or for the family. The family floater policy is available for husband, wife and a maximum of 4 children.

HEALTH CHECK-UP

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You can avail health checkup for Diagnostic Tests purposes post completion of 1st policy year, for any insured person (including children). You can undergo a health checkup through our service provider on cashless basis. You can choose tests of your choice up to a sub-limit as per the plan chosen.

SECOND MEDICAL OPINION

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Second Medical opinion for listed specified illnesses or a planned surgery or procedure can be obtained under Platinum plan. There is one opinion available per insured person per specified illness/ planned surgery.

REFILL BENEFIT

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In case of exhaustion of the base sum insured, get 100% of your base sum insured as a refill for both different and same illness

Add on Features

Optional Benefits:	Heartbeat individual and family floater health insurance – Gold plan	Heartbeat individual & family floater health insurance – Platinum plan
Hospital Cash	Rs 3000/day	Rs 6000/day
E-Consultation	Available	Available
Personal Accident Cover	Available	Available
Critical Illness Cover	Available	Available
Enhanced Geographical Scope for International coverage (Optional)		Extend your hospitalisation & emergency medical evacuation cover in US & Canada.

Exclusions

PRE-EXISTING CONDITIONS

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Pre-existing conditions are subject to a waiting period of 24 months of continuous coverage from first policy start date for customers with Gold & Platinum plan and 48 months of continuous coverage from first policy start date for customers with Silver plan.

PERMANENT EXCLUSIONS

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Ancillary Hospital Charges
Hazardous Activities
Artificial life maintenance
Autoimmune Disorders
Behavioral, Neurodevelopmental and Neurodegenerative Disorders
Circumcision
Complementary & Alternative Medicine
Conflict & Disaster
Congenital Anomaly, Hereditary or Genetic Disorders
Convalescence & Rehabilitation
Cosmetic and Reconstructive Surgery
Dental/oral treatment
Eyesight & Optical Services
Experimental/Investigational or Unproven Treatment
HIV, AIDS, and related complex
Hospitalization not justified
Inconsistent, Irrelevant or Incidental Diagnostic procedures
Mental and Psychiatric Conditions
Non-Medical Expenses
Obesity and Weight Control Programs
Off- label drug or treatment
Puberty and Menopause Related Disorders
Reproductive medicine & other Maternity Expenses: Any assessment or treatment method
Robotic Assisted Surgery, Light Amplification by Stimulated Emission of Radiation (LASER) & Light-based Treatment
Sexually transmitted Infections & diseases
Sleep disorders
Substance related and Addictive Disorders
Traffic Offences & Unlawful Activity
Treatment received outside India
Unrecognized Physician or Hospital
Any costs or expenses specified in the list of expenses generally excluded at Annexure-IV of the policy wording

WAITING PERIODS

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Pre-existing disease waiting period of 48 months (silver plan) / 24 months (gold and platinum plans) since inception of the policy and continuous renewal. For Critical Illness cover, pre-existing disease waiting period would be 48 months along with a Survival Period exclusion of 30 days for all conditions.
Initial waiting period of 30 days unless the treatment needed is the result of an Accident. For Critical Illness cover, initial waiting period would be 90 days.
Specific waiting period of 24 months for persons above 45 years of age, since the inception of the first policy with us, for some listed illnesses, unless the condition is directly caused by Cancer (covered after Initial Waiting Period of 30 days) or an Accident (covered from day 1).
For mental disorder treatment cover, there will be a waiting period of 36 months since inception of the Policy and subject to continuous renewal.
For HIV / AIDS cover, there will be a waiting period of 48 months since inception of the Policy and subject to continuous renewal.

Please do read more about the common exclusions in the policy.

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Frequently Asked Questions

HOW CAN I BUY THIS POLICY?

WHAT ARE THE MINIMUM AND MAXIMUM POLICY DURATIONS?

IS THERE ANY TAX BENEFIT THAT ONE CAN AVAIL OF WHILE PURCHASING HEALTH INSURANCE?

IS A MEDICAL CHECK-UP NECESSARY BEFORE BUYING A POLICY?

WHAT IS ANNUAL INSURANCE COVER?

IS COVID-19 COVERED UNDER HEART BEAT INDIVIDUAL PLAN ?

HOW CAN I BUY THIS POLICY? - +

There are various ways in which you can purchase this policy:

Online: On purchase of health insurance plan online your policy will be generated almost instantly along with your policy kit and card. This is applicable for cases which do not require further underwriting or medical checkup.

Telephone: If you wish to know more about Niva Bupa’s Health Insurance Plans, please speak to our specially trained sales team or your local advisor. Call us on Phone 1860 500 8888 (Toll Free) between 9 am and 6 pm IST (Monday to Saturday) or click on ‘Click to arrange a call’ to buy the policy over the phone or to fix up an appointment.

Branch: Please visit our branch in your city. The complete list of branch locations is available in the Contact Us section of the website

WHAT ARE THE MINIMUM AND MAXIMUM POLICY DURATIONS? - +

You have the option of buying a health insurance policy for a period of one year or two years.

You will be able to get discounts on purchase of a policy for two years. This is applicable for Heartbeat and Health Companion plans on the premium for the second year only.

At the end of your insurance period, you need to renew your policy if you wish to continue being covered, without a break.

IS THERE ANY TAX BENEFIT THAT ONE CAN AVAIL OF WHILE PURCHASING HEALTH INSURANCE? - +

Yes. You can avail a tax benefit available under Section 80D of the Income Tax Act 1961 by buying a health insurance policy. Every taxpayer can avail an annual deduction of Rs. 15,000 from his/her taxable income for health insurance premium for self, spouse and dependent children. For senior citizens, this amount is Rs. 20,000. Please note that you will have to show the proof of payment of premium. (Section 80D benefit is in addition to the exemption of Rs 1,50,000 under Section 80 C). Tax benefits are subject to changes in the tax laws, please consult your tax advisor for more details.

IS A MEDICAL CHECK-UP NECESSARY BEFORE BUYING A POLICY? - +

A medical checkup may be necessary when you sign up for a new health insurance policy. However, medical checkups are not usually needed for renewal of policies. It is in your best interests to undergo a medical check-up at the time of enrollment so that when you need us, we‘re there to provide speedy and efficient support and faster settlement of claims.

WHAT IS ANNUAL INSURANCE COVER? - +

The Annual Insurance Cover amount is the maximum amount payable during the year in the event of one or more claims. It is also known as ‘sum insured’ and ‘sum assured’. The premium of the policy is also dependent on the annual insurance amount that you choose.

IS COVID-19 COVERED UNDER HEART BEAT INDIVIDUAL PLAN ? - +

HeartBeat Individual plan covers expenses incurred during the treatment for Coronavirus as per the terms and conditions.

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Download Resources

Heartbeat Brochure

Download the brochure to understand the Heartbeat plan better

Heartbeat Policy
Wordings

Find out all you need to know about the plan here

Heartbeat
Claim Form

Download the form to make a hassle-free claim

Heartbeat
Proposal Form

Download the proposal form here

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