Niva Bupa (erstwhile Max Bupa)
HeartBeat Platinum
Niva Bupa Heartbeat Platinum is a premium health insurance plan tailored for individuals and families, with sum insured options ranging from ₹15 lakhs to ₹1 crore. Its standout features include global treatment for nine critical illnesses, cashless OPD consultations, and coverage for pre- and post-hospitalization expenses (60 and 90 days). The plan also provides maternity benefits with a short waiting period of 24 months, newborn baby coverage, and loyalty additions that enhance the sum insured annually. With no room rent restrictions and lifetime renewability, it ensures comprehensive protection.
What's good here?
You’ll never have to split the bill
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
You can pick any room you like
Shared room, single room, deluxe room or any room that’s available. The insurer won’t nitpick on your choice of room since the policy has no restrictions on room rent.
Short waiting period for Pre Existing Diseases
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after just 2 years. It’s probably the best deal you can get to be honest.
Good Restoration Benefit
Even after you claim part of the cover on one occasion, you will have 100% of the cover restored, so that you can use this benefit in the event you have to endure multiple hospitalizations.
Free Health Checkups every year
If you’re planning on getting a full body checkup every year just to make sure you’re in fine working condition, the insurer will cover the costs.
Covers Alternative Medicine
Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will cover you fully, up to the sum insured.
Doctor consultations are not covered
Doctor consultations are not covered.
You always have full cover irrespective of the disease
No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.
Pre & Post hospitalization expenses covered
No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 60 days before you are hospitalized and 90 days after discharge. This includes the cost of medication by the way.
Day Care treatments covered
If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.
Full coverage even if you are forced to hospitalize at home
The insurer will bear the costs even if you are hospitalized at home due to a condition or the hospital running out of beds. In insurance lingo, they call this a policy with domiciliary cover.
Maternity benefits offered
The insurer will also cover expenses related to maternity— Think hospitalization expenses incurred while giving birth. But they’ll only pay upto ₹1,20,000 and make you wait 2 years before covering this expense. Also, you’ll only get the benefits if both, you and your spouse are enrolled in a single-family floater plan.
What's bad here?
Gym benefits aren't included in this policy
Gym benefits aren't included in this policy.
Gym benefits aren't included in this policy.
What's okay here?
Covers international treatments
This policy will cover you for all sorts of international treatments, but only in case of emergencies. So if you're someone who travels frequently to abroad, this plan might be a good fit for you.
This policy will cover you for all sorts of international treatments, but only in case of emergencies. So if you're someone who travels frequently to abroad, this plan might be a good fit for you.
Special Bonus for being healthy and not claiming insurance
Your sum insured increases by 10% each year, so long as you make no claims during this period. But before you get too ahead of yourself, do note that they’ll stop offering you the bonus when your sum insured increases by 100%. Also, the bonus amount will reduce at same rate each time you make a claim. But hey, it's still a bonus.
Your sum insured increases by 10% each year, so long as you make no claims during this period. But before you get too ahead of yourself, do note that they’ll stop offering you the bonus when your sum insured increases by 100%. Also, the bonus amount will reduce at same rate each time you make a claim. But hey, it's still a bonus.
What's lacking here?
Consumables aren't covered in this policy
Consumables aren't covered in this policy.
Consumables aren't covered in this policy.
Add-on
Premium Waiver
With this add-on, the premium for next year will be waived off if the Policyholder dies or is diagnosed or undergoes treatment for the first time, with any of the Specified Illnesses during the Policy. Remember, this add-on is not available for individual cover.
Frequently Asked Questions
Talk to IRDAI-certified experts
Health is tricky, and insurance trickier. But we’ll simplify it for you - for FREE! Book a call now. Limited slots available.