Health Insurance 1906 views July 6, 2020

We can see that the health problems are emerging day by day and it becomes really difficult for a middle-class individual to manage the treatment expenses. Therefore, it is better to invest a part of your savings in a health insurance plan rather than spending the whole savings for the treatment. So, you must take a look at the Niva Bupa Heartbeat Platinum Plan that will give you a worldwide health cover. It simply means that your health risks will be covered even if you are outside India. On the other hand, you will get a free health check-up every year. So, let’s go through the key features of this health insurance plan and see the medical expenses covered in this plan.

Health Insurance

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Key Features of Heartbeat Platinum Plan

  1. Flexibility of choosing the Sum Assured of up to Rs.1 Crore.
  2. OPD Treatments and Consultations are also covered in this insurance plan.
  3. The company gives you international health coverage in this policy.
  4. There is no maximum limit for the cover provided for the hospital’s room rent.
  5. Expenses done for the AYUSH treatments are also covered in this insurance plan.
  6. Get tax deductions under Section 80D of the Income Tax Act 1961.

Benefits of Heartbeat Platinum Plan

There are some unique benefits of this insurance plan that will help you cover your health risks. You must explore all of them to understand this health insurance plan better.

OPD Treatments and Diagnostic Tests

In this health insurance plan, you can reimburse the expenses done for the OPD Treatments and Diagnostic Tests. In other words, all the expenses done for outpatient care are covered under this insurance plan.

International Coverage

There are some specified illnesses that are covered in this plan even if you face it outside India. All the expenses are done in case of emergency hospitalization and emergency medical evacuation is covered in this health insurance plan.

Hospitalization Cover

The insured will get a cashless facility at the network hospitals of Niva Bupa if he is hospitalized. All the payment will be made from the company directly to the hospital in a cashless form so that you can stay with the patient and take good care of him.

Home Treatment Cover

Sometimes the doctors advise their patients to stay at home and continue the treatment of the health disease at home only. So in such a situation the expenses done for the treatment will be reimbursed in this insurance plan. It also happens due to the unavailability of beds in the hospital and the doctor’s advice to stay at home and continue the treatment.

Pre and Post Hospitalization Cover

The company will cover all the expenses done in 60 days of pre-hospitalization. On the other hand, all the expenses after 90 days from the date of discharge will also be covered in the Niva Bupa Heartbeat Platinum Plan. So, your pre-hospitalization and post-hospitalization expenses are covered in this health insurance plan.


AYUSH stands for Ayurveda, Unani, Siddhi, and Homeopathy treatments. So, if in case you are opting for any such treatment then the expenses related to it would also be reimbursed in this policy. In-patient expenses or any other expenses are also covered if you are going through the AYUSH treatment.

Organ Transplant Cover

In case of an organ transplant surgery, the expenses of the surgery and the donor’s expenses will be covered in this health insurance plan. The maximum amount of cover will be up to the amount of the sum assured.

Ambulance Cover

You can take the reimbursement of the ambulance expenses as well once the company has accepted the in-patient claim. In other words, the ambulance expenses will be covered incurred during hospitalization by the company.

Maternity and New Born Benefits

The maternity expenses and newborn expenses are also covered in the Heartbeat Platinum insurance plan. You can cover your newborn baby from day 1 until the policy term without paying an additional premium. The maternity benefit is capped up to a maximum of INR 2 Lacs.

Free Health Check-up

After the expiry of one policy year, you can go through a free health check-up of up to Rs.5000. If you have covered your children or spouse in the plan and they will get a free health check-up separately.

Loyalty Additions

The company will give you a loyalty addition of 10% of the Sum Assured every year. The value of the sum assured will increase by 10% every year until it reaches 100% of the Sum Assured.

Add-on Benefits

At the time of the inception of the policy, you can add more benefits to the policy. These benefits are optional and it is not mandatory to add all of them. You can have a look at those benefits.

  1. Add Hospital Cash Benefit of Rs.6000 per day.
  2. Add E-Consultation in the policy.
  3. You can Add Personal Accident Cover in this Health Insurance Plan.
  4. Option to Add Critical illness Cover as well.

Add premium waiver benefit in this plan that means if the insured is diagnosed with a specified illness or he dies during the policy term then all the premiums to be paid in the future will be waived off.

Eligibility Criteria of the Niva Bupa Heartbeat Platinum Health Plan

Minimum Amount of Sum AssuredRs.15 Lacs
Maximum Amount of Sum AssuredRs.1 Crore
Minimum Amount of PremiumRs.16414 per year
Minimum Age of Entry for Adults18 Years
Maximum Age of Entry for Adults65 Years
Minimum Age of Entry for Dependent Children91 Days
Maximum Age of Entry for Dependent Children21 Years
Maximum No. of Members2 Adults and 4 Children

Exclusions of the Health Insurance Plan

  1. Ancillary Hospital Charges
  2. Hazardous Activities
  3. Artificial life maintenance
  4. Autoimmune Disorders
  5. Behavioral, Neurodevelopmental and Neurodegenerative Disorders
  6. Circumcision
  7. Complementary & Alternative Medicine
  8. Conflict & Disaster
  9. Congenital Anomaly, Hereditary or Genetic Disorders
  10. Convalescence & Rehabilitation
  11. Cosmetic and Reconstructive Surgery
  12. Dental/oral treatment
  13. Eyesight & Optical Services
  14. Experimental/Investigational or Unproven Treatment
  15. HIV, AIDS, and related complex
  16. Hospitalization not justified
  17. Inconsistent, Irrelevant or Incidental Diagnostic procedures
  18. Mental and Psychiatric Conditions
  19. Non-Medical Expenses
  20. Obesity and Weight Control Programs
  21. Off- label drug or treatment
  22. Puberty and Menopause Related Disorders
  23. Reproductive medicine & other Maternity Expenses: Any assessment or treatment method
  24. Robotic-Assisted Surgery, Light Amplification by Stimulated Emission of Radiation (LASER) & Light-based Treatment
  25. Sexually transmitted Infections & diseases
  26. Sleep disorders

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