Key Features
Please refer the sales brochure for more details on T&Cs, inclusions & exclusions.
Pre & Post Hospitalisation Medical Expenses
We reimburse pre & post hospitalization medical expenses incurred due to illness/injury. The period of the treatment covered is 60 days before you get admitted to the hospital and 90 days after you get discharged from the hospital. This is subject to Niva Bupa accepting the In-patient Care hospitalisation, Day Care or Domiciliary hospitalisation claim.
Refill Benefit
When the same or different illness strikes in the same policy year, your base sum insured is re-filled
and made available to you
Maternity and Newborn Child Benefits
Heartbeat provides you maternity benefits for up to two deliveries under family floater & family first
plans. The benefit is available to the insured after two years of continuous coverage. The newborn baby is automatically covered from day 1 up to sum insured until the policy year end. First year vaccinations for the newborn are covered as well.
Health Check-up
You can avail health checkup for Diagnostic Tests purposes post completion of 1st policy year for any insured person (including children), so that you live a healthier and happier life. You can undergo a health checkup through our service provider on cashless basis. You can choose tests of your choice up to a sub-limit as per the plan chosen.
Loyalty Additions
Irrespective of your claim history, you will get an increase of 10% of expiring base Sum Insured every year, subject to maximum of 100% of base Sum Insured.
Mental Disorder Treatment
Expenses incurred for inpatient treatment for mental illness are covered under the policy subject to sub-limit for specific conditions as specified in the policy contract. This benefit is provided subject to a waiting period of 36 months from inception of the cover with Us, with Mental illness covered as a benefit.
HIV / AIDS
Expenses incurred for hospitalization (including day care treatment) due to condition caused by or associated with HIV / AIDS are covered under the policy subject to sub-limit as specified in the policy contract. This benefit is provided subject to a waiting period of 48 months from inception of the cover with Us, with HIV / AIDS covered as a benefit.
Emergency Medical Evacuation and Hospitalisation
We also cover evacuation and hospitalisation for medical emergencies outside India as per terms and
conditions