Niva Bupa (Formerly known as Max Bupa) Heartbeat Family First Health Insurance Plan

Niva Bupa (Formerly known as Max Bupa) Heartbeat Family First Health Insurance Plan

Niva Bupa (Formerly known as Max Bupa) Heartbeat Family First policy is an all-round health insurance plan that covers you and your family’s medical expenses in case of illness or accident. It is the perfect health protection plan for you and your family.

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Key Features of Niva Bupa (Formerly known as Max Bupa) Heartbeat Family First Health Insurance Plan

• Covers all hospitalization expenses
• Pre & post hospitalization expenses also included
• Newborn baby will be automatically insured without paying an additional premium
• Vaccination expenses are also covered
• Alternative treatments like Ayurveda and Unani are covered

Benefits of Niva Bupa (Formerly known as Max Bupa) Heartbeat Family First Health Insurance Policy

• There are three types of Plan - Silver, Gold, and Platinum
• Discount applicable on purchase of 2-year plan
• Free Health check-up facility after every 2 years
• Direct claim processing without involvement of any third party
• Tax saving benefits under Section 80D of the Income Tax Act,1961
• Lifelong renewability without any extra premium
• There is no minimum or maximum age restriction
• Cashless claim settlement in more than 3500 empanelled hospitals

Niva Bupa (Formerly known as Max Bupa) Heartbeat Family First Health Insurance Premium Details

Annual premium depends on the plan chosen. For details, please refer to the website.

Heartbeat Family First Health Insurance Policy Details

• Coverage Type: Family floater
• Discount: In case the Niva Bupa (Formerly known as Max Bupa) Heartbeat policy term is extended to 2 years, then 12.5% discount can be availed on 2nd-year premium
• Sum Assured in Silver Plan: (Rs.) 1 lakhs, 2 lakhs, 3 lakhs, 4 lakhs and 5 lakhs per person. Rs. 3 lakhs, 4 lakhs, 5 lakhs, 10 lakhs, and 15 lakhs floater sum assured ( on floater basis over basic sum insured)
• Sum Assured in Gold Plan: (Rs.) 1,2,3,4,5,10 and 15 lakhs per insured person. Floater sum assured ranges from 3 lakhs, 4 lakhs, 5 lakhs, 10 lakhs, 15 lakhs, 20 lakhs, 30 lakhs and 50 lakhs ( on floater basis over basic sum insured)
• Sum Assured in Platinum Plan: Individual sum assured options Rs. 5 lakh to 15 lakhs. Family floater options ranging from Rs. 15 lakhs to 50 lakhs.

Additional Features or Riders

• Newborn to senior citizens, all are covered
• Free health check-up after every 2 years
• International cashless hospitalization facility

• Loyalty Additions: On policy renewal without any break, you get 10 to 50% of enhancement of sum insured

Common Inclusions of Niva Bupa (Formerly known as Max Bupa) Silver, Gold And Platinum Heartbeat Plan -

• 60 days of pre-hospitalization cover and 90 days post hospitalization expenses are covered
• Maternity benefits after 2 years of continuous coverage under the plan
• Newborn baby cover is provided until the next policy year, without the need of paying any extra amount of premium. Vaccination expenses are also covered if you continue to insure the baby in the next policy year
• Daycare treatments are also reimbursed. Provided they are not in the diagnostic and out-patient department of the hospital
• 30 days of hospital cash benefit
• Organ donor treatment cover is provided
• Domiciliary hospitalization expenses are compensated
• Emergency ambulance cover
• 30 day free look period, in which you can decide to continue or withdraw the policy

Common Exclusions of Niva Bupa (Formerly known as Max Bupa) Silver, Gold And Platinum Heartbeat Plan

• Benefits not applicable to pre-existing diseases
• Additional hospital charges
• Hospitalization due to hazardous occupation or activities
• Any kind of auto-immune disorders
• Robotic-Assisted Surgery
• Mental disorders and neurological ailments
• Any alternative medicine or complementary medication
• Hereditary diseases or genetic disorders
• Restoration and rehabilitation expenses
• Cosmetic and reconstructive surgeries
• Dental care and oral care treatment
• External devices required for eyesight and vision support
• Any type of experimental treatments
• HIV and AIDS related complications
• Routine diagnostic procedures
• Any kind of non-medical expenses
• Obesity and weight loss programs
• Treatment for menopause and puberty disorders
• Reproductive treatment or maternity related complications
• Any kind of laser treatment
• Treatment for STDs
• Any kind of sleeping disorders
• Consumption of alcohol and overdose of drugs or any kind of intoxication 
• Any kind of unlawful act
• Any medical aid taken outside India

Documents Required for Niva Bupa (Formerly known as Max Bupa) Heartbeat Family First Health Insurance Plan

Along with your health card and policy number, you will need to submit the following documents:

• Passport
• PAN Card
• Voters' Card
• Driver's License

Eligibility Criteria

There is no limit on the entry age to buy this policy.

Special Coverage Provided under Platinum Heartbeat Plan

• You can choose the hospital room category without any restriction
• International treatment support for critical illnesses (except the USA and Canada) up to the sum insured. By paying an additional premium you can get cover in the USA and Canada. Critical illnesses that are specifically covered include - leukemia, sarcoma, and lymphoma. Heart Attack,
• Coronary Artery Bypass Graft (CABG), Organ transplantation for heart, liver, kidney, lungs, pancreas, stroke, surgery of aorta including graft, coronary angioplasty, brain surgery, and pulmonary arterial hypertension.
• Covers emergency medical evacuation within and outside India, including air ambulance provision or commercial flight for evacuation purposes.
• Homeopathy treatment, Unani treatment, Sidha, and Ayurveda treatment
• Specified vaccination cover for insured children up to 12 years of age. The plan also provides consultation related to growth and nutrition during vaccination visits.
• Compensation for a second medical opinion in case of specified Illnesses and surgical treatments

Additional Benefits of Niva Bupa (Formerly known as Max Bupa) Heartbeat Family Gold Plan

• Hospitalization accommodation in a single private room
• Complimentary health checkups are provided every year
• The deductible option is not available in this plan
• You can avail higher hospital cash benefit under the plan

Claim Settlement Process of Niva Bupa (Formerly known as Max Bupa) Heartbeat Family First Plan

• Step 1- Have a look at the list of hospitals and choose the hospital which is in proximity to your house. It is advisable to pick a hospital within 72 hours of the treatment.
• Step 2 - For easy identification process, you should carry your Niva Bupa (Formerly known as Max Bupa) Health Card or the policy number along with any of the below-mentioned documents -
  • Voter’s Id Card
  • Passport
  • PAN Card
  • Driving License
• Step 3- Once your identity is validated by the empanelled hospital, the pre-authorization form will be submitted to the insurance provider - in this case, it is Niva Bupa (Formerly known as Max Bupa).
• Step 4 - Niva Bupa (Formerly known as Max Bupa) will provide the decision to the network hospital within half an hour, and no further documentation will be required from your end.
• Step 5 - You will be admitted to the hospital, and after hospitalization, you can sign the documents, bills, forms after discharge. The procedure is simplified further with the help of a relationship manager, who is assigned to assist you throughout the claim procedure.
• Step 6 - The payments are made for pre-approved treatment as per the policy documents.