Niva Bupa (Formerly known as Max Bupa) Heartbeat Family Floater Plan

Availability of insurance plans in different variants makes it simple for individuals to insure themselves against any unexpected medical conditions without incurring a lot of medical expenses. Niva Bupa (Formerly known as Max Bupa) Insurance offers both online as well as offline plans to its customers. In this article, we are mainly going to focus on its Niva Bupa (Formerly known as Max Bupa) Heartbeat Family Floater plan.

Niva Bupa (Formerly known as Max Bupa) Heartbeat Family Floater Plan

This plan offers coverage to your family members. It protects you and your loved ones against a medical emergency or accidental hospitalization. You can buy a 1 year or a 2-year plan and the coverage amount goes up to INR 50 lakhs in the gold plan. And the sum insured for the platinum plan goes up to INR 1 crore. Cashless treatment is also provided and pre-medical check-up is required to buy this plan.

What Does This Plan Cover?

There are 2 variants: Gold and Platinum plan

Prepare for future medical expenses with comprehensive cover options of INR 5 lakhs, 7.5 lakhs, 10 lakhs, 15 lakhs, 20 lakhs, 30 lakhs, and 50 lakhs.

The expenses covered in the Gold plan include:

• Inpatient Hospitalization expenses
• Pre and post hospitalization expenses for 60 days & 90 days respectively
• All day care treatments are covered
• Alternative treatments taken under Unani, Ayurveda, Homeopathy, and Siddha
• Maternity benefits up to two deliveries and after 2-years of the continuous coverage
• Newborn baby cover
• No limit on the enrollment age
• Loyalty Additions
• Hospital cash benefit for a maximum of 30 days ( minimum of 48 hours of hospitalization)
• Health check-up/diagnostic tests at empanelled service providers
• Organ Transplant cover including organ donor’s treatment charges
• Domiciliary Hospitalization continuing for 3 successive days
• Emergency ambulance charges

The newborn baby is covered without any extra expenses. It includes vaccination expenses in the initial year if you continue to cover your baby for the subsequent year.

The Expenses Covered in the Platinum Plan Include:

Sum insured options start from INR 15 lakhs, 20 lakhs, 50 lakhs, and INR 1 cr.

• Inpatient Hospitalization expenses with no limit on the category of the hospital room
• Pre and post hospitalization expenses for 60 days & 90 days respectively
• All day care treatments are covered
• OPD treatment & diagnostic services
• Emergency medical evacuation and hospitalization expenses outside India
• Expenses incurred before and after hospitalization
• Alternative treatments such as Unani, Siddha Ayurveda, and Homeopathy
• Maternity benefits up to two deliveries and after 2-years of the continuous coverage
• Newborn baby cover and Childcare benefits
• No limit on the enrollment age
• Loyalty Additions
• Hospital cash benefit for a maximum of 30 days ( minimum of 48 hours of hospitalization)
• Health check-up/diagnostic tests at empanelled service providers
• Organ Transplant cover including organ donor’s treatment charges
• Domiciliary Hospitalization continuing for 3 successive days
• Emergency ambulance charges

It also covers overseas treatment expenses except in the U.S.A & Canada, and the limit of compensation ranges from Rs 1.5 Lakhs to Rs 10 Lakhs. It covers the following treatments on payment of additional premium:

• Heart Attack
• Coronary Angioplasty
• Stroke
• CABG
• Major lung transplant, kidney, heart, and pancreas transplant
• Aorta Surgery
• Brain Surgery

Niva Bupa (Formerly known as Max Bupa) Heartbeat Family Floater Plan Exclusions

Your claim will be rejected under the following conditions:

• Any injury resulting due to involvement in hazardous activities
• Autoimmune disorders are not covered
• Ancillary hospital expenses
• Circumcision
• Artificial life support cost
• Dental/oral treatment
• Neurodegenerative and behavioral disorders
• Alternative & complementary medicine
• Genetic Disorders
• Reconstructive and cosmetic surgery
• Congenital Anomaly
• Convalescence health issues & rehabilitation
• Non-medical expenses
• Investigational Treatment
• HIV, AIDS, and STDs
• Weight Control Programs
• Off- label drug or treatment
• Menopause-related problems
• Robotic-Assisted Surgery
• Laser Treatment
• Addictive Disorders
• Unlawful Acts
• Sleep disorders
• Overseas Treatment
• Unrecognized Doctor or Hospital

Claim Process of Niva Bupa (Formerly known as Max Bupa) Heartbeat Family Floater Plan

It is a simple and straightforward process. You can follow the process listed below:

• Pick a hospital in your vicinity from the list of the network hospitals. ( at least 72 hours before the treatment)
• The identification purposes would require you to submit the following documents:
• Passport
• Niva Bupa (Formerly known as Max Bupa) Health Card/ Policy Number
• PAN Card
• Voters' Card
• Driving License
3. After the validation process, you would need to submit a pre-authorization form
4. Your claim approval or rejection will be given within 30 minutes, if not further documentation is required
5. Start with the treatment in the network hospital; sign all the documents, invoices and forms before getting discharged.
6. The insurance company will pay the hospital for your pre-approved treatment

Claim Process for International Treatments

Identify a hospital and call the insurer’s International treatment number (you can find it in your policy kit)

And the process of identification and admission would require the following documents:

• Name of patient
• Customer I.D/Policy number
• Contact Number/ E-mail ID
• Patients’ Age
• Photo Identification proof
• Past medical records
• Medical investigation reports
• Prescription for the treatment / Surgery
• Preferred date and country for the undergoing treatment

You will be given a reference number from our International claims team. Once you submit your documents and it is approved, then their specialized International claims team will take you through the cashless process. Your health will also be monitored while you are undergoing treatment overseas.