Preferred Language

Preferred Language

health insurance

Niva Bupa Heartbeat Family Floater

Niva Bupa Heartbeat Family Floater

Niva Bupa Heartbeat Family First health insurance policy covers all medical costs for individuals and their families. This plan was created with the Indian Joint Family System in mind, and it can cover up to 19 relationships and 50 family members. Therefore, in-laws, grandchildren, spouses, children, parents, and other family members can be covered under one policy.

Niva Bupa Family First Heartbeat plan offers three different mediclaim policies to choose from. These are Heartbeat Individual, Heartbeat Family First, and Heartbeat Family Floater. Each of these plans has two to three variants: silver, gold, and platinum. Depending on the category, this plan provides blanket coverage with notable inclusions like maternity and newborn benefits and cashless claims processed within 30 minutes.

Key Features And Benefits Of Niva Bupa Family First Plan

Here are the key features and benefits offered under the policy:

  • International coverage

    Avail of treatments abroad for nine specified illnesses like cancer, heart attack, coronary artery bypass graft, major organ transplant, stroke, surgery of aorta, coronary angioplasty, brain surgery and primary pulmonary arterial hypertension. International coverage is applicable if detected in India by a medical practitioner within the policy period on a cashless basis.

  • Emergency medical evacuation and hospitalisation

    Get evacuation and hospitalisation facility for medical emergencies outside India.

  • OPD treatment and diagnostic services

    Get coverage for charges incurred for OPD treatment, diagnostic services or prescribed medicines for the treatment as per the terms and conditions.

  • Second medical opinion

    Platinum policyholders can obtain a second medical opinion if they are diagnosed with a specified illness or are planning to undergo planned surgery.

  • Cover dependents

    Coverage for 19 relationships

    Get coverage for up to 19 relationships including parents, in-laws, spouse, children, grandchildren and other family members.

  • In-patient hospitalisation expenses

    Get coverage for all hospitalisation expenses like room rent, doctor consultations, medicines and day care treatment. The plan also covers ayurvedic, homeopathic, siddha, unani treatments.

  • Pre- and post-hospitalisation expenses

    Get coverage for medical expenses incurred before and after hospitalisation.

  • Maternity and newborn benefit

    The policy offers maternity benefits up to two deliveries. Also, a newborn baby is automatically insured without having to pay an additional premium. It also covers the vaccination cost.

  • Co-payment options

    Avail of co-payment options of 10% and 20% and make your premium more affordable.

  • Loyalty benefits

    Increase your sum assured by getting 10% of the base sum insured as a benefit during renewal in each policy year.

  • Non-medical and ambulance expenses

    The policy covers non-medical daily expenses such as transportation or attendant’s cost and the emergency ambulance charges.

  • No restrictions on room

    No capping on room rent for gold and platinum plans. Also, get an option to choose your room type.

  • Health check-up

    The policy offers a free health check-up facility after every two years.

  • Grace period

    The policy offers a grace period of one month to pay your outstanding premium.

  • Tax benefit

    Save tax on premium paid towards the policy under section 80D of the Income Tax Act.

  • Variations

    There are two types of variants offered under the plan:
    • Gold- Under this plan you can avail of coverage up to Rs. 50 lakh, along with health check-up up to Rs. 2,500 and maternity benefit up to Rs. 1 lakh.
    • Platinum- Coverage under this plan starts from Rs. 15 lakh to Rs. 1 crore.

  • Cashless claim settlement

    Avail of cashless claim settlement at more than 3,500 network hospitals.

Inclusions Under Niva Bupa Heartbeat Family Floater

Here are the inclusions under the policy:

  • Coverage for specific diseases treated outside of India up to the sum insured. Extra premiums must be paid for the United States and Canada
  • Coverage for pre- and post-hospitalisation medical expenses, 60 days and 90 days, respectively.
  • After you and your spouse have been insured for the standard two years, you can receive maternity benefits for up to two births.
  • Coverage for a newborn baby and vaccinations are included in the policy at no additional cost.
  • Covers medical expenses incurred on Ayurveda, Unani, Sidha and Homeopathy treatments (AYUSH)
  • Coverage for in-patient hospitalisation when you or a member of your insured family is hospitalised.

Exclusions Under Max Bupa Heartbeat Family Floater

Here are the exclusions under the policy:

  • Hazardous activities, additional hospital costs, artificial life support, behavioural issues, and so forth
  • Any HIV/AIDS or STD-related condition, aesthetic and reconstructive surgery, and dental/oral treatment
  • Expenses for treatment received outside India, except for treatment received under an emergency medical evacuation
  • Treatment provided in an unrecognised hospital or by an unauthorised physician
  • Infections, sleep difficulties etc.
  • Medical costs incurred as a result of chemical, biological, or nuclear injuries

Add-Ons To Enhance Benefits

Here are additional benefits offered under this policy:

Hospital cash

The policy offers hospital cash of Rs. 3,000 per day under the gold plan. On the other hand, under the platinum plan, it provides hospital cash of Rs. 6,000 per day, irrespective of the sum insured chosen.

Premium waiver

The payment for the following year will be waived off in case of the demise of the policyholder or he/she is diagnosed with a specific illness during the policy period.

Enhanced geographical scope

In the platinum plan of the heartbeat policy, Niva Bupa offers enhanced geographical scope for international coverage. The policy also covers emergency medical evacuation and emergency hospitalisation, subject to the policy's terms and conditions.


To make your premium more affordable, you can choose between 10% and 20% co-payment alternatives.

Niva Bupa Heartbeat Brochure below

Read the brochure to know more about the plan, click here Niva Bupa Heartbeat Family Floater.

Claim Process of Niva Bupa Heartbeat Family Floater

The steps to settle a claim under the Niva Bupa Family Insurance Policy are as follows.

  • To begin, select a hospital from the list of the company's network hospitals.
  • It is always a good idea to choose a hospital at least 72 hours ahead of time for treatments.
  • The hospital will then want an identity proof document as well as your Niva Bupa health card or insurance number.
  • The hospital will double-check all of the paperwork before submitting a pre-authorization form to Niva Bupa Insurance Company.
  • The insurer will then make a decision on whether or not to admit you to the hospital within 30 minutes.
  • After you've been discharged, all you have to do now is sign a few mandatory forms and invoices.
  • In the final step, the corporation will pay the hospital for pre-approved treatments according to the policy's terms and conditions.

Frequently Asked Questions (FAQs) for Niva Bupa Heartbeat Family Floater

Q. How many relationships are covered in the Niva Bupa Family First Plan?

Ans- Niva Bupa Heartbeat Plan has been designed keeping in mind the health insurance needs of the Indian joint family. It covers up to 14 relationships in your family.

Q. Why should I buy the Niva Bupa Heartbeat Policy?

Ans-Niva Bupa Heartbeat Policy is a popular choice among families because it is a complete health insurance policy. The policy has a long list of benefits and a short waiting period. It provides maternity benefits, lifetime renewability, and direct claim settlement without the use of a third-party administrator (TPA) for the entire family. Cashless treatment, international coverage, no participation of TPAs, major critical illness coverage, and coverage for OPD charges are a few of the distinctive features of the Niva Bupa Mediclaim Policy for Family.

Q. Is there any age restriction to get covered under the Niva Bupa Heartbeat family floater?

Ans- No, there is no age limit. Niva Bupa Heartbeat Family Floater provides coverage for members of all ages in the family.

Q. What are the different plans of the Niva Bupa Heartbeat Insurance Policy?

Ans- Niva Bupa Heartbeat Insurance Policy offers three plans: Heartbeat Individual, Heartbeat Family First, and Heartbeat Family Floater.

Q. What is the free look period?

Ans- Niva Bupa Family First offers a 15-day free look period to allow you to familiarise yourself with the policy. If you are not satisfied with the policy offerings, then this option allows you to cancel your coverage and get a refund of the premium paid.

Did you know, a good CIBIL score can help you get a better deal on loans and credit cards?