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.
Here are the key features and benefits offered under the policy:
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.
Get evacuation and hospitalisation facility for medical emergencies outside India.
Get coverage for charges incurred for OPD treatment, diagnostic services or prescribed medicines for the treatment as per the terms and conditions.
Platinum policyholders can obtain a second medical opinion if they are diagnosed with a specified illness or are planning to undergo planned surgery.
Get coverage for up to 19 relationships including parents, in-laws, spouse, children, grandchildren and other family members.
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.
Get coverage for medical expenses incurred before and after hospitalisation.
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.
Avail of co-payment options of 10% and 20% and make your premium more affordable.
Increase your sum assured by getting 10% of the base sum insured as a benefit during renewal in each policy year.
The policy covers non-medical daily expenses such as transportation or attendant’s cost and the emergency ambulance charges.
No capping on room rent for gold and platinum plans. Also, get an option to choose your room type.
The policy offers a free health check-up facility after every two years.
The policy offers a grace period of one month to pay your outstanding premium.
Save tax on premium paid towards the policy under section 80D of the Income Tax Act.
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.
Avail of cashless claim settlement at more than 3,500 network hospitals.
Here are the inclusions under the policy:
Here are the exclusions under the policy:
Here are additional benefits offered under this policy:
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.
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.
Read the brochure to know more about the plan, click here Niva Bupa Heartbeat Family Floater.
The steps to settle a claim under the Niva Bupa Family Insurance Policy are as follows.
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.
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.
Ans- No, there is no age limit. Niva Bupa Heartbeat Family Floater provides coverage for members of all ages in the family.
Ans- Niva Bupa Heartbeat Insurance Policy offers three plans: Heartbeat Individual, Heartbeat Family First, and Heartbeat Family Floater.
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.
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