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

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

      With the current lifestyle, individuals are normally exposed to different types of diseases, and some of them require immediate medical attention. Simultaneously, healthcare costs are greater than ever. This is where the quick and efficient services of Niva Bupa Health Insurance (Formerly known as Max Bupa Health Insurance) come into the picture.

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      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
          1. After the validation process, you would need to submit a pre-authorization form
          2. Your claim approval or rejection will be given within 30 minutes, if not further documentation is required
          3. Start with the treatment in the network hospital; sign all the documents, invoices and forms before getting discharged.
          4. 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.

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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