Heartbeat Family First - Gold
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Family First, a first of its kind Plan which has been designed keeping in mind the health insurance needs of the Indian joint family.


  • Annual Health check ups at the time of Renewal.
  • Child Care Benefits including New Born baby cover.
  • Optional benefit of 10% and 20% Co- pay.
  • Earn Points under Health relationship loyalty program.
  • Discount of 12.5% on the second year premium.
  • Direct Claim settlement, No third party involved.
  • All Day care treatments are covered. No exceptions
  • Tax saving U/S 80D of the Income tax Act.
  • Cashless facility with over 3500 Quality Hospitals in the network offering cashless hospitalisation.
Title Description
Room Rent Limit No Limit, Single private rule
ICU Daily Rent Limit No Limit, Single private rule
Pre-Hospitalization Expenses 30 days
Post Hospitalization Expenses 60 days
Minimum Hospitalization Period 24 Hrs
Day Care Procedure Coverage Covered
Pre-Existing Disease / Illness coverage After 24 months
Waiting Period for New Policy 90 days
Co-Payment Max 20%, for age less than 65 years
Free Health Checkup Every year
Ambulance Expenses Covered
New Born Baby Cover Covered
Donor Expenses Covered
No Claim Bonus Up to 10 %, Max 50%