Niva Bupa Heartbeat family first insurance

Unique features of Niva Bupa Heartbeat family first Insurance:

• Covers ranging from ₹5 lacs to ₹100 lacs.
• Up to 19 relationships covered in one policy.
• Pre & post hospitalisation coverage upto 60/90 days respectively.
• No room rent capping for Gold/ Platinum Plans.
• Plans include Maternity benefits.
• All day care treatments covered.
• Alternative treatments like Ayurveda& Unani also covered.

Benefits of Niva Bupa Heartbeat family first Insurance:

• Cashless facility – Niva Bupa aims to process all cashless claims within 30 minutes at over 4500 (and growing) quality hospitals in their network.
• Hospitalisation expenses : Coverage for room rental expenses up to the sum insured for Gold (except for Suite or above room category) and Platinum Plans. Pre and post hospitalisation expenses are covered up to the sum insured, 60 days prior and 90 days post hospitalisation.
• Maternity and New born Child Benefits : Heartbeat provides maternity benefits for up to two deliveries under family floater & family first plans. The benefit is available to the insured after two years of continuous coverage. The new born baby is automatically covered from day 1 up to sum insured until the policy year end. First year vaccinations for the new born are covered as well.
• Health Check up : Policy provides health check-up as per the applicable plan as specified in the Product Benefits Table. For Gold and Platinum plans, customers can choose the diagnostic tests they want to undergo up to the limit applicable as specified in the Product Benefits Table.
• Loyalty Benefits Increase Sum Insured
  • Increase of 10% in expiring base sum insured each policy year.
  • The additional sum insured can be accumulated maximum up to 100% of base Sum Insured for Gold and Platinum plan and 50% of base Sum Insured for Silver plan. This benefit is applicable irrespective of claim status.
• Refill Benefit : When the same or different illness strikes in the same policy year, the policy base sum insured is re-filled and made available to the insured.
• Additional benefits the insured can opt for:
  • Hospital cash – Covers numerous ‘non-medical’ expenses such as transportation, attendant’s cost and other daily expenses that one may not be able to foresee.
  • Personal accident cover - a lump sum payout covering Accidental Death, permanent total or partial disability can be opted by any member of your family who is aged 18 years or above.
  • Critical illness cover - For enhanced protection, an optional coverage against 20 major critical illnesses like Cancer, Open Heart surgery, Kidney Failure, Strokes etc. is available. Upon first diagnosis of any of these illnesses you get an additional coverage as a one time lump sum payout. This payment will be over and above your hospitalisation expenses which are paid through the base policy. This cover can be opted by any member of your family who is aged 18 years or above.
  • E-consultation - We understand the importance of time especially when the insured needs to consult a doctor. Under this plan one can get the option to get unlimited tele/online consultations with qualified doctors.
  • Premium Waiver - If an insured policy holder passes away or is diagnosed with a specified illness during the policy period, then the premium for next year will be waived (Not available under individual plan).
  • Discount on two year plan - When one takes a policy for two years, they get 12.5% discount on the second year premium.
• Zonal Coverage - India being a vast country, the cost of healthcare varies across cities. If the insured would like the flexibility of getting treated anywhere in India, then one can opt for Zone 1 pricing. But if the insured lives in a city other than Mumbai (including Navi Mumbai and Thane), Delhi NCR, Kolkata & Gujarat one can avail of a lower premium by opting for Zone 2 pricing.
• One can get coverage for Emergency assistance services like medical referral, air ambulance, medical repatriation, compassionate visit, etc so that at no moment one ever feels that healthcare is far away.
• Niva Bupa indemnifies the expenses incurred by the Insured Person for Inpatient treatment for HIV / AIDS and mental illness.
• Lifelong Renewability : Niva Bupa assures you renewability for life without any extra loadings based on the claims.

Plan Coverages of Niva Bupa Heartbeat family first Insurance