Niva Bupa Heart Beat Platinum Product Benefits

Niva Bupa – Heart Beat Platinum – Product Benefits

Policy Name Niva Bupa Heart Beat Platinum
1. Hospitalisation Expenses More than 24hrs of Hospitalisation Expenses
Room Rent Upgrade to next level
ICU as actuals
2. Pre Hospitalisation 30 days
3. Post Hospitalisation 60 days
4. Road Ambulance Actual at Network Hosp, and Upto 2000/- per event for non network Hosp
5. Air Ambulance Not Covered
6. Day Care Procedures Yes, Unlimited
7. Out Patient Expenses Rs 10000(SI 15L),Rs 15000(SI 20L),Rs 20000(SI 50L),
8. Organ Donor Expenses: Up to Sum Insured
9. Recovery benefit: Not Covered
10. Physiotherapy Expenses: Not Covered
11. Sum Insured Reinstatement Benefit: Not Covered
12. Ayurvedic & Homeopathic treatment Hospitalisation Expenses Not Covered
13. Maternity Expenses 60000 for 15lacs, 75000 for 20lacs and 100000 for 50lacs
14. New Born Baby Cover Covered up to sum insured
15. Preventive Health Check Up  Every year as per annexure
Add on Covers
Ancillary Expenses Benefit Not Covered
Personal Accident Benefit Not Covered
Critical Illness Benefit Not Covered
UW Guidelines
SI 15/20/50lacs
Age group Any Age Enrollment
Dependent Children covered upto Any Age Enrollment
Cumulative Bonus NA
Waiting periods
Initial waiting Period 90 Days for Hospitalisation
For Listed illness 2yrs
Pre Existing Diseases After 4yrs
Family Discount NA
Add on Cover Discount NA
Claim Free Renewal Discount NA
Other Discounts if any Multiple year policy discount