Niva Bupa – Heart Beat Silver – Product Benefit
| Policy Name | Niva Bupa – Heart Beat Silver |
| 1. Hospitalisation Expenses | More than 24hrs of Hospitalisation Expenses |
| Room Rent | Shared Room or 1% of SI |
| 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 | No |
| 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 | 20000 for 2lacs, 30000 for 3lacs |
| 14. New Born Baby Cover | Covered up to sum insured |
| 15. Preventive Health Check Up | Every evry 2 claim free yrs |
| Add on Covers | |
| Ancillary Expenses Benefit | Not Covered |
| Personal Accident Benefit | Not Covered |
| Critical Illness Benefit | Not Covered |
| UW Guidelines | |
| SI | 2/3lacs |
| 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 |