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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The advantages of Heartbeat Platinum card that make it worth buying are:
|Coverage Category||Scope of Cover|
|Multiple sum insured options to choose from||Rs. 15/20/50 lakh and 1 cr.|
|Pre-Hospitalisation Expense||60 days|
|Post-Hospitalisation Expense||90 days|
|Global treatment for specific illnesses||Covered|
|Childcare Benefit||Covered up to the age of 12 years|
|Enrollment age||Any age enrollment|
|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|
The Platinum plan of Niva Bupa (Formerly known as Max Bupa) will not cover any liabilities arising out of the following conditions-
For the comprehensive list of exclusions, please refer to the fine print of the policy.
Niva Bupa (Formerly known as Max Bupa) health insurance can be claimed in two ways:
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:
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.
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