Niva Bupa Heart Beat Family First Health Insurance, Buy Niva Bupa Heart Beat Family First Medical Insurance online

Niva Bupa Heart Beat Family First insurance plan details

Benefits
Exclusions

Benefits	Silver Policy	Gold Policy	Platinum Policy
Sum Insured	Individual Base Sum Insured: 1 Lakh, 2 Lakhs, 3 Lakhs, 4 Lakhs & 5 Lakhs per Insured Person Floater Base Sum Insured: 3 Lakhs, 4 Lakhs, 5 Lakhs, 10 Lakhs & 15 Lakhs.	Individual Base Sum Insured: 5 Lakhs, 10 Lakhs & 15 Lakhs per Insured Person Floater Base Sum Insured: 15 Lakhs, 20 Lakhs, 30 Lakhs & 50 Lakhs.	Individual Base Sum Insured: 1 Lakh, 2 Lakhs, 3 Lakhs, 4 Lakhs, 5 Lakhs, 10 Lakhs & 15 Lakhs per Insured Person Floater Base Sum Insured: 3 Lakhs, 4 Lakhs, 5 Lakhs, 10 Lakhs, 15 Lakhs, 20 Lakhs, 30 Lakhs & 50 Lakhs.
In-patient treatment
Medical Practitioner's fees	Covered	Covered	Covered
Diagnostic procedures	Covered	Covered	Covered
Medicines, drugs and consumables	Covered	Covered	Covered
Intravenous fluids, blood transfusion, injection	Covered	Covered	Covered
The cost of prosthetics and other devices or equipment if implanted internally during a Surgical Operation	Covered	Covered	Covered
Intensive Care Unit Charges	Covered	Covered	Covered
Hospital accomodation	Rs 30,000 or Shared room	Single Private Room	Covered
Pre and Post hospitalization expenses including doctor's consulation, diagnostics tests, intravenous fluid, blood transfusion, medicines, drugs and consumables.	Covered up to 15% of Base Sum Insured	Covered up to 20% of Base Sum Insured	Covered
All day care treatment	Covered	Covered	Covered
Maternity Cover for up to 2 deliveries
Maternity Cover for up to 2 deliveries	Covered up to Rs 25,000 per Policy Year	Covered up to Rs 50,000 per Policy Year	Covered up to Rs 1,00,000 per Policy Year
New Born Baby Cover until the end of current policy year	Covered	Covered	Covered
Vaccinations for children up to 12 years and nutrition and diet consulting	Covered	Covered	Covered
Further benefits
Health check up at the time of renewal	Once in 2 years	Annual	Annual tests
Organ transplant when medically necessary	Covered	Covered	Covered
Emergency ambulance	Covered at actual costs in Network Hospitals up to Sum Insured	Covered at actual costs in Network Hospitals up to Sum Insured	Covered at actual cost in Network Hospitals up to Sum Insured
Domicialiary treatment	Covered up to Rs 15,000	Covered up to Rs 37,500	Covered up to Rs 2,50,000
Health Relationship Loyalty Program	10% equivalent redeemable points of the Last Paid Annual Premeium OR Additional 10% sum insured of expiring Base sum insured up to a maximum of 50% of base sum insured	10% equivalent redeemable points of the Last Paid Annual Premeium OR Additional 10% sum insured of expiring Base sum insured up to a maximum of 50% of base sum insured	10% of the Last Paid Premeium OR Additional 10% base sum insured up to at any time maximum of 50% of base sum insured
OPD benefits
Outpatient benefits covering specialist consultation and costs of diagnostics tests prescribed by them	Not Applicable	Not Applicable	Covered up to Rs 30,000
International Medical treatment & Assistance
Emergency Medical Evacuation and Hospitalization outside India	Not Applicable	Not Applicable	Covered up to Rs 2,00,000 for individual Base Sum Insured of 5 lakhs, Rs 3,00,000 for Individual Base Sum Insured of 10 lakhs and up to Rs 5,00,000 for Individual Base Sum Insured of 15 lakhs
Specified Illness Cover for treatment abroad	Not Applicable	Not Applicable	Covered Worldwide excluding USA and Canada
Optional benefit/feature
Annual aggregate Deductible	Not Applicable	Not Applicable	Not Applicable
Co-payment for insured less than 65 year old	Options of 10% and 20% co-payment	Options of 10% and 20% co-payment	Options of 10% and 20% co-payment

Other than accidental injury/emergency, all other treatments are not covered during the first 90 days. For persons above 60 years of age some conditions will be subject to a waiting period of 24 months and will be covered after two years of continuous renewal.
Pre - existing conditions are covered after a waiting period of 4 years
Coverage for expenses occurring from treatment of HIV or AIDS and related diseases
Treatments for congenital diseases, mental disorder or insanity, cosmetic surgery and weight control.
Coverage for Non Allopathic treatments
Coverage for expenses arising from abuse of intoxicant or hallucinogenic substances like alcohol and drugs
Hospitalization due to events like war, damage caused from nuclear, chemical or biological weapons and any kind of harmful radiations
Items of personal comfort and convenience.
Co - pay: If a person is above 65 years of age, 80% of hospital expenses have been paid by max - bupa and remaining 20% customer has to pay.
Experimental, investigative and unproven treatment devices, Psychiatric and Psychosomatic Conditions , Reproductive medicine - Birth control & Assisted reproduction, Self - inflicted injuries, Sexual problems and gender issues, Sexually transmitted diseases, Sleep disorders, Speech disorders, Treatment for developmental problems, Treatment received outside India, Unlawful Activity, Unrecognised physician or Hospital

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