Health is the most important asset one can have. It is important to secure your health by opting for a health insurance plan. The health insurance industry offers different plans to provide protection to the policyholders and their families. These plans can be premium-specific to offer better premium rates or disease-specific to provide special services for particular disease treatments. No matter your health concerns, there is always a specific plan for your worries.

This article will discuss Heart Beat – an individual health insurance plan from Niva Bupa, which offers emergency services to provide assistance in chronic conditions. But let's first take a look at what chronic conditions are.

Understanding Chronic Conditions

Chronic conditions are long-term medical issues that can last at least one year and often longer. Various factors, including genetics, lifestyle choices, and environmental exposures, can cause them. Some common chronic conditions include Arthritis, Asthma, Cancer, Diabetes, Heart disease etc. 

Many healthcare insurance plans cover long-term diseases, but this coverage may differ from one plan to another, from one insurer to another. There are different plans for different health issues, such as heart disease insurance coverage, critical illness insurance coverage, and more. Certain plans have waiting periods, so you might need to wait before using the policy's benefits.

Niva Bupa Heart Beat Individual Health Plan

Niva Bupa, best health insurance company in india, offers Heart Beat – an individual health insurance plan that presents a wide range of benefits to its policyholders. It offers cover for various health expenses, like hospitalisation, pre-hospitalisation, post-hospitalisation, maternity, newborn, pharmacy, diagnostic services, domiciliary treatment, emergency assistance, and alternative treatments.

Benefits of Choosing Heart Beat Individual Health Plan

Heart Beat individual health plan offers a number of benefits to its policyholders. Let us take a brief look at these benefits:

Comprehensive Coverage

Heart Beat insurance covers many medical expenses, making it a one-stop solution for all your health insurance needs.

Cashless Claims Processing

It offers cashless claims processing at over 8,700+ network hospitals, making it easy and convenient to file and settle claims.

Loyalty Benefits

It rewards its loyal customers with loyalty benefits, such as an increase in the sum insured each year.

Health Check-up

This plan offers comprehensive health check-ups or diagnostic tests to its policyholders, helping them to stay healthy and identify any potential health problems early on.

Coverage Outside Hospital

Heart Beat insurance also covers pharmacy & diagnostic services, domiciliary treatment coverage, and emergency assistance services.

Re-Fill Benefit®

Heart Beat plan offers a Re-FIll Benefit®, which provides a one-time refill of the base sum insured after the first claim is paid. This is applicable for the same illness and insured.

Alternative Treatments Coverage

Heart Beat also covers alternative treatments, including Ayurveda, Unani, Siddha, and Homeopathy.

Free Look Period

This plan offers a free look period of 15 days, during which you can cancel the policy if you are unsatisfied with the terms and conditions.

Direct Claim Settlement

Heart Beat insurance plan settles claims directly without involving any third party. This makes the claim settlement process easy.

Tax Saving Under Section 80D of the Income Tax Act

You can save tax on the premiums you pay for your Heart Beat health insurance policy under ITA (Income Tax Act) Section 80D.

Assured Renewability for Life

Heart Beat is a renewable policy, meaning you can renew it for life, regardless of age or health condition.

Way Forward

Heart Beat is an all-around affordable healthcare plan that offers many advantages to its policyholders. This plan from Niva Bupa can be an excellent option for people looking for the best health insurance policy that will cover their medical expenses and provide them with peace of mind. So don’t wait and choose a plan that suits your budget and requirements.