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Healthy living is happy living. To ensure you lead a healthy life, we bring you HeartBeat a comprehensive health insurance cover that ensures overall wellness and complete happiness for you and your family.

HeartBeat goes beyond the coverage of your hospitalisation expenses as it takes care of your overall health. It gives you the flexibility to choose the perfect cover for your needs, gives you the option to choose from a varied list of benefits and what’s more, it rewards you for being healthy!

HeartBeat not only cares for your health but your wealth too. It is a pocket-friendly health insurance plan that is designed keeping you and your family (your spouse and up to 4 children) in mind. Some of the key benefits include OPD Consultations, I-Protect, Health Coach and more.


Individual & Family floater sum Insured Options:

  • Rs 4 Lacs, 5 Lacs, 7.5 Lacs, 10 Lacs, 15 Lacs and 25 Lacs

In-patient Care (Hospitalisation)

  • We cover cost of medical treatment while you or your insured family members are hospitalized for treatment.
  • No Limit on the Hospital Room category under platinum plan, whereas other than suite & above room category for other plans.

Pre & Post Hospitalization Medical Expenses

  • We reimburse medical expenses incurred due to Illness up to 60 days period immediately before you get admitted to a hospital and 90 days immediately after you get discharged from a Hospital, if We have accepted an Inpatient Care hospitalisation claim.

Alternative Treatments

  • We will indemnify the Medical Expenses incurred on treatment taken under Ayurveda, Unani, Sidha and Homeopathy (AYUSH)

All Day Care Treatment Covered

  • We cover all day care Treatment, not a select few. However, such a procedure should not be in the outpatient department of a hospital.

Loyalty Additions

  • If the Policy is renewed with us without any break, you will get Sum Insured enhancement (10% of base Sum Insured per annum maximum upto 100% of base Sum Insured)

Maternity Benefits

  • The plan provides you maternity benefits for up to two deliveries. This benefit is available after both you and your spouse have been covered under the policy for two continuous years

Newborn Baby

  • The new born baby will be covered as an insured person from birth without additional premium, till the next policy year, if the maternity claim is admissible under the policy. We also cover vaccination expenses of the new born baby for the first year if you add the baby in the policy for the next policy year.

Organ Transplant

  • Medical Expenses for an organ donor’s treatment for the harvesting of the organ donated is also covered. These expenses are paid once we have accepted an In-patient claim.

Domiciliary Hospitalization

  • In case a bed in the hospital is unavailable or on advice of the attending medical practitioner, treatment is administered at home; we pay for medical treatment taken at home, which would otherwise have required hospitalization provided Domiciliary Hospitalization continues for at least 3 consecutive days..

Emergency Ambulance

  • We also cover the ambulance expenses to transfer the policyholder following an emergency to a hospital. These expenses are paid once we have accepted an In-patient claim.

Tax Benefit

  • You will save tax under Section 80D of the Income Tax Act when you buy a Max Bupa Health Insurance Policy. Tax benefits are subject to changes in the tax laws, please consult your tax advisor for more details.

Direct Claim Settlement

  • We believe you should focus on the treatment of your loved ones rather than running after claim settlement. Therefore, all claims are processed directly by our own customer services team.

Assured Policy Renewal for Life

  • Once insured with us, you will always remain our customers. We assure you renewability for life with no extra loadings based on your claim history.

Any Age enrollment

  • We cover the insured member across every stage of life.

2-year Policy Tenure Option

  • You can opt for 2 year tenure and avail discount.

Cashless Facility

  • You can access cashless facility at your nearest hospital.

Hospital Cash (optional cover)

  • You can opt for Hospital Cash benefit, under which we will pay the Hospital Cash up to a maximum 30 days of Hospitalization for each continuous period of 24 hours of Hospitalization, provided Insured person has been admitted in a Hospital for a minimum period of 48 hours continuously.

Free Look Period

  • We endeavor for transparency and complete satisfaction and therefore, our policies are transparent and easy to understand. If you are not satisfied, we provide a 15 day free look period within which you can cancel your plan stating the reason.

International Treatment support for Specified Illnesses (under platinum plan only)

  • Covers treatment outside India for specified dread diseases upto opted Sum Insured excluding treatment in USA and Canada. Treatment in USA and Canada can also be included by paying a little extra premium.

The specified illnesses covered are listed below:

  • Cancers like leukemia, lymphoma and sarcoma excluding all tumours in the presence of HIV infection
  • Heart Attack (Myocardial Infarction)
  • Coronary Artery Bypass Graft (CABG)
  • Major Organ Transplant for heart, lung, liver, kidney, pancreas to treat irreversible end-stage failure of the relevant organ human bone marrow using haematopoietic stem cells is also covered .
  • Stroke
  • Surgery of Aorta including graft, insertion of stents or endovascular repair excluding surgery required due to underlying congenital condition.
  • Coronary Angioplasty subsequent to myocardial infarction or anginal attack.
  • Primary Pulmonary Arterial Hypertension
  • Brain Surgery

OPD Treatment and Diagnostic Services (under platinum plan only)

  • Reasonable and customary expenses towards medically necessary consultation as an outpatient with a doctor to assess the Insured Person’s condition.

Consultation and Diagnostic Tests Carry Forward (under platinum plan only)

  • If the Policy is renewed with us without any break and there is a unutilized amount under the applicable sub-limit in a Policy Year, then we will carry forward 80% of this unutilized amount to the immediate succeeding Policy Year.

Emergency Medical Evacuation and Hospitalization (under platinum plan only)

  • In case of a medical emergency outside India we will provide assistance in medical evacuation of the Insured Person and cover the reasonable and customary costs of transportation of the Insured Person (and an attending Doctor if this is medically necessary). We will also cover Emergency Medical Evacuation within India, if the condition requires air ambulance or commercial flight for evacuation purposes.

Childcare benefits (under platinum plan only)

  • We cover specified vaccination expenses for insured children until they have completed 12 years. We also cover consultation for nutrition and growth provided to the child during a visit for vaccination.

Second Medical Opinion (under platinum plan only)

  • You can obtain Second medical opinion for Specified Illness / planned Surgery / Surgical Procedure.
  • We will not cover treatment during the first 30 days of the policy, unless the treatment needed is a result of an Accident. This waiting period does not apply for renewal Policy.
  • Benefits will not be available for Pre-existing Diseases until 24 months (for platinum and gold plans) and 48 months (for silver plans) of continuous coverage from first policy start date, provided such Pre-existing Disease is stated in the Proposal and specifically accepted by Us and endorsed thereon.
  • For all Insured Persons who are above 45 years of Age as on the date of inception of the First Policy, some conditions will be subject to a waiting period of 24 months and will be covered in the third policy year only.

Permanent Exclusions

  • Ancillary Hospital Charges
  • Hazardous Activities
  • Artificial life maintenance
  • Autoimmune Disorders
  • Behavioral, Neurodevelopmental and Neurodegenerative Disorders
  • Circumcision
  • Complementary & Alternative Medicine
  • Conflict & Disaster
  • Congenital Anomaly, Hereditary or Genetic Disorders
  • Convalescence & Rehabilitation
  • Cosmetic and Reconstructive Surgery
  • Dental/oral treatment
  • Eyesight & Optical Services
  • Experimental/Investigational or Unproven Treatment
  • HIV, AIDS, and related complex
  • Hospitalization not justified
  • Inconsistent, Irrelevant or Incidental Diagnostic procedures
  • Mental and Psychiatric Conditions
  • Non-Medical Expenses
  • Obesity and Weight Control Programs
  • Off- label drug or treatment
  • Puberty and Menopause related Disorders
  • Reproductive medicine & other Maternity Expenses: Any assessment or treatment method
  • Robotic Assisted Surgery, Light Amplification by Stimulated Emission of Radiation (LASER) & Light based Treatment
  • Sexually transmitted Infections & diseases
  • Sleep disorders
  • Substance related and Addictive Disorders
  • Traffic Offences & Unlawful Activity
  • Treatment received outside India
  • Unrecognized Physician or Hospital
  • Any costs or expenses specified in the list of expenses generally excluded at Annexure IV of policy wording
  • For complete list of exclusions, please refer policy terms and conditions.
  • Terms & Conditions

Heartbeat can be issued to an individual customer, a family (family floater) and/or extended family (family first).

This policy covers persons of any age. There is no maximum entry age for the insured.

The maximum entry age of any dependent as a child in a family floater policy is less than 21 years

If any Insured Person who is a child and has completed Age 21 years at the time of Renewal in a family floater policy, then such Insured Person will have to take a separate policy

Individual & Family floater sum Insured Options:

  • Gold: Rs 5 Lacs, Rs 7.5 Lacs, 10 Lacs, 15 Lacs, 20 Lacs, 30 Lacs & 50 Lacs
  • Platinum: Rs 15 Lacs, Rs 20 Lacs, Rs 50 Lacs & Rs 1 Crore

Family first sum Insured Options

  • Silver:

    Individual Base Sum Insured: Rs 1 Lac, Rs 2 Lacs, 3 Lacs, Rs 4 Lacs & Rs 5 Lacs

    Floater Base Sum Insured: Rs 3 Lacs, Rs 4 Lacs, Rs 5 Lacs, Rs 10 Lacs & Rs 15 Lacs

  • Gold:

    Individual Base Sum Insured: Rs 1 Lac, Rs 2 Lacs, 3 Lacs, Rs 4 Lacs, Rs 5 Lacs, 10 Lacs & 15 Lacs

    Floater Base Sum Insured: Rs 3 Lacs, Rs 4 Lacs, Rs 5 Lacs, Rs 10 Lacs, Rs 15 Lacs, 20 Lacs, 30 Lacs & 50 Lacs

  • Platinum:

    Individual Base Sum Insured: Rs 5 Lacs, 10 Lacs & 15 Lacs

    Floater Base Sum Insured: Rs 15 Lacs, 20 Lacs, 30 Lacs & 50 Lacs


Bank of Baroda is authorized by the Insurance Regulatory and Development Authority to act as a Corporate Agent from 01.04.2019 to 31.03.2022 for procuring or soliciting business of Life Insurance , General Insurance & Standalone Health Insurance under Registration Code CA0004".Insurance is the subject matter of solicitation. For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. The purchase of Insurance product by Bank of Baroda customers is purely on a voluntary basis. The insurance products are underwritten by respective Insurance company. Bank of Baroda does not perform any Insurance e-commerce activity on its website. The contract of insurance is between the Insurer and the Insured; and not between the Bank and the Insured.

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