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 |
| Discounts | |
| Family Discount | NA |
| Add on Cover Discount | NA |
| Claim Free Renewal Discount | NA |
| Other Discounts if any | Multiple year policy discount |