Heartbeat Individual - Silver
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Heartbeat is a simple and easy to understand health plan providing a comprehensive health cover which will help you to take care of your family


  • All Day care treatments are covered. No exceptions
  • Domiciliary treatment (covered up to Rs.50,000)
  • Free Health check-up on every renewal
  • Get 12.5% discount by opting for two years policy
  • No restriction of age limit for enrolment
  • Get 10% additional sum insured each policy year of expiring base sum insured
  • International health coverage of 9 critical illnesses
  • No use of third party administrators (TPA) to process claims.
  • Life long policy renewal
  • Tax rebate available as per provision of Income Tax Rules under section 80-D
Title Description
Room Rent Limit Platinum: Covered up to Sum Insured
ICU Daily Rent Limit Platinum: Covered up to Sum Insured
Pre-Hospitalization Expenses 60 days
Post Hospitalization Expenses 90 days
Minimum Hospitalization Period 24 hours
Day Care Procedure Coverage Covered up to Sum Insured
Pre-Existing Disease / Illness coverage Until 24 months of continuous coverage from first policy start date.
Waiting Period for New Policy 30 days
Co-Payment Options of 10% and 20% co-payment
Free Health Checkup If policy is renewed without a break
Ambulance Expenses Networked hospital covered upto Sum Insured. Non networked hospital covered up to 2000 per event.
Non-Allopathic Treatments Covered
New Born Baby Cover Covered up to Sum Insured
Donor Expenses Covered up to Sum Insured
Nursing Allowance Covered up to Sum Insured
No Claim Bonus 10% of SI, Max 100%