Niva Bupa Heartbeat Family First Health Insurance Policy

Right from birth to 65 years

Individual / Family floater

One or Two Years; Grace period 1 month

Lifelong

On Individual Silver Policy 2/3 lakhs/On Individual Gold: 5/7/10/15/20/50 lakhs/On Family First Silver: 1/2/3/4/5 lakhs On Family First Gold: 1/2/3/4/5/10/15 lakhs

Starts at Rs.5333 for a 2 lakh sum assured for a 25 year old male

Discounts available on 2-year policy renewals

Those above 65 years old can reduce the premium by opting for 10% or 20% co-pay

Pre and Post-hospitalization: 30 days before you get admitted to a hospital and 60 days after Domiciliary treatment covered upto 20,00,000 depending on plan Hospital Accommodation: 1% of Sum Assured or private room Emergency ambulance Maternity cover for upto 2 deliveries Cover for newborn starts with birth Organ transplant costs covered upto Sum Insured Emergency evacuation and hospitalization and evacuation abroad ( as per terms and conditions) Vaccination cover for newborn

Silver:

Gold:

Platinum:

Cashless approval within 4 hours in 3500 network hospitals No TPA, direct claim-settlement Tax exemptions under Section 80D of the Income Tax Act Complimentary health check-up A healthy loyalty program that promises increase in sum insured or redemption of points

Alternative Treatment Psychiatric and Psychosomatic Conditions OPD Treatment Reproductive medicine - Birth control & Assisted reproduction Sleep disorders Hereditary conditions Genetic Disorder Items of personal comfort and convenience Treatment received outside India Unlawful Activity Permanent Exclusions Self-inflicted injuries Sexual problems and gender issues Sexually transmitted diseases Addictive conditions and disorders Ageing and puberty Artificial life maintenance Circumcision Speech disorders Treatment for developmental problems HIV and AIDS Cosmetic surgery Conflict and disaster Drugs and dressings for Out-patient or take-home use Congenital conditions Eyesight Unproven/Experimental treatment Health hydros, nature cure, wellness clinics etc. Obesity Dental/oral treatment Convalescence and Rehabilitation Unrecognized physician or Hospital