Niva Bupa (Formerly known as Max Bupa) Heartbeat Platinum Plan

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      Niva Bupa (Formerly known as Max Bupa) Heartbeat Platinum Plan

      Niva Bupa (Formerly known as Max Bupa) Heartbeat Platinum plan is a comprehensive health cover to protect you against those unplanned expenses arising out of a medical emergency. The policy can be availed in individual and floater sum insured basis with two variants namely Gold and Platinum. Let’s know about one of its variants Heartbeat Platinum.

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      Why Choose Niva Bupa (Formerly known as Max Bupa) Heartbeat Platinum Plan?

      The advantages of Heartbeat Platinum card that make it worth buying are:

      • The policy can be availed two different variants like Gold & Platinum with a higher sum insured
      • The insurer offers discounts on premium for a long-term policy of 2 years
      • There is no minimum or a maximum age limit to avail this policy
      • The insured is eligible to avail reward on premium paid
      • Tax benefit on premium paid under Section 80D of the Income Tax Act, 1961
      • Loyalty rewards are offered if the policy is renewed continuously
      • The policy comes with lifelong renewability

      Niva Bupa (Formerly known as Max Bupa) Heartbeat Policy Features and Coverage

      Coverage Category Scope of Cover
      Multiple sum insured options to choose from Rs. 15/20/50 lakh and 1 cr.
      In-patient hospitalisation Covered
      Pre-Hospitalisation Expense 60 days
      Post-Hospitalisation Expense 90 days
      Global treatment for specific illnesses Covered
      Non-allopathic Treatment Covered
      Day-care procedure Covered
      Childcare Benefit Covered up to the age of 12 years
      Enrollment age Any age enrollment
      Domiciliary Treatment Covered
      Emergency Ambulance Covered
      Hospital Cash In case of hospitalisation for a minimum period of 48 hours, hospital cash for 30 days
      Loyalty Addition 10% enhancement of sum insured for continuous renewal of the policy
      Second medical opinion Available in case of specific illness
      Organ Transplant Cover Expenses of an organ donor while transplanting an organ

      Waiting Period Clause

      • Cooling Off Period: A 90 days cooling-off period is applied for all claims. During which no claim will be accepted, except the accidental claims
      • Specific Illnesses: The policy will cover some specific illnesses such as Cataract, Myomectomy for Fibroids, Hysterectomy, after a waiting period of 2 years.
      • Pre-existing Illness: Any claim arising out of a pre-existing illness will be entertained after a waiting period of 24 months.

      Permanent Exclusions of Niva Bupa (Formerly known as Max Bupa) Platinum Policy

      The Platinum plan of Niva Bupa (Formerly known as Max Bupa) will not cover any liabilities arising out of the following conditions-

      • Attempted suicide
      • Congenital disease
      • Treatment of AIDS/HIV
      • Injury due to abuse of alcohol or drug
      • Pregnancy, childbirth, miscarriage, and abortion
      • Hospitalization out of war, riot, strike and nuclear weapons
      • Infertility and in vitro fertilization.

      For the comprehensive list of exclusions, please refer to the fine print of the policy.

      Niva Bupa (Formerly known as Max Bupa) Heartbeat Policy Claim Settlement Process

      Niva Bupa (Formerly known as Max Bupa) health insurance can be claimed in two ways:

      Cashless Claims

      Cashless claims are only available at Niva Bupa (Formerly known as Max Bupa) network hospitals where the insured can avail healthcare services free of cost. To avail this service:

      • Carry your Niva Bupa (Formerly known as Max Bupa) health card and submit along with an ID such as PAN Card/Voter’ ID/Passport etc.
      • The hospital authority will verify your identity and submit the pre-authorisation request on your behalf
      • After receiving the application, the insurer will review the request and takes a decision. The same will be conveyed to the hospital. If the insurer approves your request, you can avail cashless services.
      • The hospital bills are directly settled by the insurance company

      Reimbursement Claims

      If Niva Bupa (Formerly known as Max Bupa) heartbeat policyholder has not chosen a network hospital and availed the treatment from a non-network hospital, he/she can claim the insurance through the reimbursement process. To initiate the process first settle the bills on your own and collect all the related documents including the original bills, discharge summary, doctor’s report etc.

      Fill the claim form and submit along with the supporting documents. Don’t forget to attach the original bills along with the receipts.

      The insurer will review your case and after verifying the documents, will make a decision on whether to approve or reject your claim.

      The insurer reimburses you the approved amount in your bank account. If not then the insurer will intimate the reason of rejection within a stipulated time frame.

      Document Required For Claim Process

      • Niva Bupa (Formerly known as Max Bupa) Health Card
      • Niva Bupa (Formerly known as Max Bupa) Heartbeat Policy number
      • PAN Card
      • Voter’s ID
      • Passport
      • Driving License
      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*
      book-home-visit
      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. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *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 (Life & General)| 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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