Niva Bupa Heartbeat Health Insurance

Heartbeat Policy offered by Niva Bupa Health Insurance is a comprehensive medical insurance policy that comes in different variants namely Gold, Silver, Platinum, and FamilyFirst. The variants differ in sum insured range and features but all of them offer great coverage benefits at affordable premiums. The sum insured options in these variants start at Rs. 5 Lakh and go up to as high as Rs. 1 crore. You can buy the policy on an individual or family floater basis, as per your requirement. You can include several add-on benefits under this policy for added coverage, by paying an extra premium. These include hospital cash, personal accident cover, critical illness cover, e-consultation, premium waiver, and enhanced geographical scope for international coverage.

The policy covers you for several healthcare expenses such as emergency road ambulance expenses, in-patient hospitalisation expenses, vaccination of the newborn baby, domiciliary hospitalisation expenses, daycare expenses, pre-hospitalisation and post-hospitalisation expenses, alternative treatment, etc. Other reasons to buy this policy are direct claim settlement, tax benefits under Income Tax Act, 1961, lifetime renewability benefit, no waiting period for accidental hospitalisation, and free look period. The policy is full of benefits and hence becomes a preferred choice for many.