Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Track & Policy DownloadLogin

Niva Bupa Health Pulse Health Insurance

190 reviews Rate This
Niva Bupa Health Insurance
Health Pulse Policy
Cashless Approval TAT30 mins Cashless Claim Processing
Claim Settlement Ratio90.70%
Network Hospitals10,000+
Pre-existing Disease Coverage FromDay 1
Special BenefitsUnlimited restoration
Starting Premium for Rs. 5 lakhs SIRs. 550/month

About Niva Bupa Health Pulse Health Insurance

Niva Bupa, formerly known as Max Bupa offers a number of health insurance plans to cater to the varied health insurance needs of policyholders. One of the most popular health insurance plans that the company offers is the Niva Bupa Health Pulse policy. The policy is easy on the pocket as it comes at an affordable premium. When buying this policy, you can choose different sum insured options starting at Rs. 3 Lakh and going up to Rs. 25 Lakh. Read on to learn all about Niva Bupa Health Pulse Health Insurance.

Key Features of Niva Bupa Health Pulse Health Insurance

Listed below are the key features of Niva Bupa Health Pulse Health Insurance plan that you should know about:

  • Coverage: Offered on an individual or family floater basis, the policy covers you for several healthcare expenses, some of which include pre-hospitalisation and post-hospitalisation expenses, in-patient hospitalisation expenses, availability of annual health check-up coverage, alternative treatments, domiciliary hospitalisation expenses, emergency ambulance, organ donor expenses, pharmacy and diagnostic services, etc.
  • Sum Insured: You can choose a sum insured between Rs. 3 lakhs to Rs. 10 lakhs while buying the Niva Bupa Health Pulse Health Insurance.
  • Refill Benefits: With the Niva Bupa Health Plus Health Insurance plan, you also get 100% refill benefits. This means the sum insured will be refilled in case it gets exhausted.
  • Variants: It is available in two variants - Classic and Enhanced. So, depending on your requirements and coverage, you can choose a suitable variant.

Eligibility Criteria of Niva Bupa Health Pulse Plan

Listed below are the eligibility criteria for the Niva Bupa Health Plus plan:

Parametres

Eligibility Criteria

Minimum entry age

18 years

Maximum entry age

65 years

Policy type

Individual/Family

Renewability

Lifelong

Sum insured

Rs. 3 lakhs - Rs. 25 lakhs

Benefits of Niva Bupa Health Pulse Plan

Some of the benefits of buying the Niva Bupa Health Pulse Plan are as follows:

  • Pre and Post Hospitalisation: The Niva Bupa Health Pulse Plan covers pre and post-hospitalisation medical expenses. This coverage is offered up to the sum insured.
  • Annual Health Check-up: This plan also provides coverage for annual health check-ups from the 2nd policy year onwards. With annual health check-ups, you can get coverage for all the expenses incurred towards annual health check-ups.
  • No Claim Bonus: For every claim-free year, policyholders are given additional discounts on health insurance premiums. Thus, if you have not raised a claim in a given year, then a discount of 10 or 20% is given out.
  • Tax Benefits: Apart from the coverage benefits, you can avail several other benefits under this policy, you also get to enjoy lifetime renewability benefit, tax benefits as per prevailing tax laws.
  • Add-on Benefits: The policy also comes with several add-on benefits that you can include in your policy to enhance coverage. These include personal accident expenses, e-consultation, and critical illness coverage. You are eligible to avail of coverage benefits under this policy after a waiting period of 15 days.
  • Hassle-free Claims: With the Niva Bupa Health Pulse Plan, you can get your claims settled in a hassle-free manner in just 30 minutes.

Inclusions and Exclusions of Niva Bupa Health Pulse Plan

Inclusions:

    • Pre and Post Hospitalisation Expenses: The pre-hospitalisation expenses are covered for 30 days and post-hospitalisation expenses are covered for up to 60 days. The coverage is offered on the basis of the sum insured.
    • Daycare Treatment: Expenses for daycare procedures are given up to the sum insured.
    • Alternative Treatment: The Niva Bupa Health Pulse Plan also provides coverage for alternative treatment up to the sum insured.
    • Domiciliary Treatment: Domiciliary treatment is given up to the sum insured with the Health Pulse plan.
    • Emergency ambulance: For emergency ambulance, expenses of up to Rs. 2000 is given with the Health Pulse plan.
    • Re-fill Benefit: The Niva Bupa Health Pulse plan provides re-fill benefits of up to 100% with the Health Pulse plan.

In addition, the plan also provides coverage for pharmacy and diagnostic services, medical consultations, organ donor transplants, and a lot more.

Exclusions:

  • Ancillary hospital charges
  • Injury due to hazardous activities
  • Expenses related to circumcision
  • Cosmetic and plastic surgery expenses
  • Dental treatment
  • Optical treatment
  • Any unproven treatment
  • Obesity related expenses
  • Any kind of non-medical expenses

Riders Available with Niva Bupa Health Pulse Plan

Some of the riders that you can include in your Niva Bupa Health Pulse Plan are as follows:

  • Personal Accident Cover: Under the Personal Accident Cover, you will get coverage if there is any kind of injury due to an accident. If the policyholder meets a partial or complete disability or dies due to an unfortunate accident, then the relevant financial assistance is offered under Personal Accident Cover.
  • Critical Illness Cover: This is an add-on that provides coverage for any kind of critical illness such as cancer, heart attack, coma, kidney failure, anemia, and more.
  • Enhanced Re-fill Benefit: With this add-on, the sum insured will be recharged by 150% instead of 100% in case it gets exhausted.

Variants Available with Niva Bupa Health Pulse Plan

There are two types of variants that you can include in your Niva Bupa Health Pulse Plan: Enhanced and Classic. Scroll through the section to know more about these:

  • Enhanced: The Enhanced variant of the Niva Bupa Health Pulse plan provides coverage of up to Rs. 25 lakhs. This plan provides refill benefits of up to 150% and has no co-payment clause.
  • Classic: This variant of the Health Pulse plan provides coverage of up to Rs. 10 lakhs. The refill benefit available under this is 100% and has an extensive range of coverage.

Variant Details at a Glance

Variant Name

Classic

Enhanced

In-patient treatment

Up to SI

Up to SI

Room rent

Up to 1% of Base Sum Insured per day or

Single Private Room

Single-private room

Sum insured

Rs. 3 lakhs - Rs. 10 lakhs

Rs. 3 lakhs - Rs. 25 lakhs

Refill benefits

Up to 100%

Up to 150%

NCB

Earn 20% NCB - Maximum up to 100% of base SI

Earn a 20% no-claim bonus

Documents Required to Buy Niva Bupa Health Pulse Plan

Some of the documents required to buy the Niva Bupa Health Pulse Plan are:

  • A duly filled application form
  • Aadhaar card
  • PAN card
  • Driving license
  • Birth certificate
  • Passport
  • Bank passbook
  • Electricity bill
  • Previous medical report

How to Buy Niva Bupa Health Pulse Plan?

Listed below are the ways in which you can buy the Niva Bupa Health Pulse Plan:

  • Visit the “Health Insurance” section on the official InsuranceDekho website.
  • Choose "Niva Bupa Health Insurance" from the list of health insurance companies.
  • Then, select "Pulse plan" from the available health insurance plans.
  • Read the policy documents carefully
  • Upload all the necessary documents to complete the KYC process
  • After finishing the KYC process, pay the premium online
  • Finally, you will receive the policy document in your registered email

Claim Process of Niva Bupa Health Pulse Plan

There are two types of claims you can raise with the Niva Bupa Health Pulse Plan: reimbursement and cashless claim. Under a cashless claim, you need not spend anything from your pocket and the bills will be directly settled by the insurance company. On the other hand, in a reimbursement claim settlement, you need to first spend for the medical expenses which will be later reimbursed by the insurance company.

Cashless Claim Process:

  • Visit a nearby cashless hospital that has tie-ups with Niva Bupa
  • Fill out the proposal form and submit all the required details such as policy details, claim form, and more
  • Then, the TPA will verify all the documents and it will then be verified
  • Once everything has been verified, your claim request will be settled by Niva Bupa

Reimbursement Claim Process

  • For reimbursement claims, you can seek treatment at any hospital
  • Next, raise a claim request on the official website of Niva Bupa
  • Submit all the required documents such as medical reports, hospital expenses, and more
  • Later, when all the documents are verified, you will receive reimbursement for all the medical expenses

Health Insurance Calculator

Whom do you want the insurance for ?

You
Couple
Family
Father
Mother

Select the age of all members

  • You

Where do you live ?

Choose required Coverage for yourself?

5 Lac
10 Lac
25 Lac
Disclaimer : Actual Premium might vary basis your location, age and number of members
Need help?

Get FREE Personalized Insurance Advice At Your Home

Key Inclusions and Exclusions of the Plan

What's Included

  • Pre-hospitalisation and post-hospitalisation expenses
  • Daycare expenses
  • Expenses related to annual health check-up
  • In-patient hospitalisation expenses
  • Domiciliary hospitalisation expenses

What's Not Included

  • Treatment availed during 30 days waiting period
  • Treatment due to self-inflicted actions
  • Expenses due to obesity and weight control
  • Treatment due to self inflicted injuries
  • External congenital anomaly related expenses

10059 Niva Bupa Cashless Network Hospitals in India

Health Pulse Policy User Reviews

Write your review
What users are saying
  • All
  • Big coverage small prices

    I purchased my Niva Bupa Health Insurance- Health Pulse Policy from the website of InsuranceDekho. The main reason to purchase this plan was that the policy was available at small prices and it has big benefits too

    B
    By Bhartu Subramaniam
    On: Sep 04, 2023
  • Marvellous Services

    Comparing and buying the health insurance plan from InsuranceDekho was amazing. I bought the Niva Bupa Health Insurance- Health Pulse Policy. The expert team of the company came to my place to guide me about the plans in detail and help me in getting secured the most affordable insurance policy. Loved the experience and would recommend it to everyone.

    D
    By Diksha Patel
    On: Jul 06, 2023
  • Online Process

    My purchase of the Niva Bupa Health Insurance- Health Pulse Policy from the company was terrific. From a knowledgeable website for comparison of health insurance plans to provide a safe payment gateway, InsuranceDekho impressed me on each and every step during my purchase. Even documentation was done online which saved a lot of time. 

    A
    By Apeksha Arya
    On: Jun 30, 2023
  • Worthy Insurance Plans

    Incredible online platform to buy a health insurance plan! I purchased a Niva Bupa Health Insurance- Health Pulse Policy from the website of InsuranceDekho. The advisors of the company were awesome. They explained to me the pros and cons of all the health insurance plans that were available. Thank you InsuranceDekho for helping me in choosing the best health insurance policy. 

    S
    By Shalini Pundir
    On: Jun 26, 2023
  • Pocket-friendly Health Insuran...

    Thanks to InsuranceDekho for assisting me in buying the Niva Bupa Health Insurance- Health Pulse Policy in comfort. This health insurance plan is amazing. It is offering me maximum benefits at the lowest premium. Though other plans were also great, I bought this health plan as it satisfied all my requirements. Both an online insurance company and this health insurance plan are advisable for everyone! 

    K
    By Kunal Raunak
    On: Jun 23, 2023

Add-ons to Enhance Benefits

  • Personal Accident Expenses

    Personal accident cover you for accidental death, permanent total disability due to an accident (125% PA cover SI) and permanent partial disability arising due to an accident, where personal accident cover will be around 5 times of the base sum insured. It may go up to Rs. 50 Lakh.
  • E-Consultation

    With this add-on, you can avail the benefit of unlimited tele or online consultations during the policy term. With this policy, you can get all your medical queries solved without worrying about the expense.
  • Critical Illness

    This add-on provides you a lump sum amount in case you are diagnosed positive for any of the listed critical illnesses. You can use this amount as per your requirement to pay off debts (if any), child’s education, etc.
  • Hospital Cash

    With this add-on, you can avail daily hospital cash of Rs. 1,000 and Rs. 2,000 for sum insured options up to Rs. 5 Lakh or more than Rs. 5 Lakh. You can avail this benefit if the hospitalisation is of at least 48 hours of continuous hospitalisation. You can avail the benefit for up to 30 days per policy term. But note that the claim will be paid from day 1 of hospitalisation. The maximum coverage is given for 30 days per policy year for every insured person.
  • Enhanced No Claim Bonus

    This add-on offers you a No Claim Bonus of 20% of expiring base sum insured at the time of renewal, for a maximum of 200% of base sum insured.
View More Questions

Claim Process at Niva Bupa Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Health Pulse Policy Health Insurance Plan

  • Who is eligible for cover under Health Pulse Policy?

    People aged between 18 years nad 65 years can be covered under Health Pulse Policy. You can also include dependent children if they are aged between 91 days and 25 years. 

  • What are the sum insured options available under Health Pulse Policy offered by Niva Bupa Health Insurance?

    Health Pulse Policy offered by Niva Bupa Health Insurance comes with sum insured options between Rs. 3 Lakh and Rs. 1 crore that you can choose as per our budget and requirements. 

  • Is there any co-payment clause under this policy?

    Yes. Health Pulse Policy by Niva Bupa Health Insurance comes with a co-payment clause. You are required to pay 20% of the claim amount if you want to avail medical treatment in Delhi-NCR, Gujarat, Mumbai, and Kolkata. 

  • Am I covered for expenses related to COVID-19 treatment under this policy?

    Yes. The policy covers you for treatment required due to positive diagnosis of COVID-19 as per the terms and conditions of the policy. 

  • Do I need to undergo a medical check-up before buying this policy?

    You may be required to undergo a medical check-up when signing for a new Health Pulse Policy. But medical check-ups are not required at the time of renewal. It is, however, recommended to undergo a medical check-up at the time of enrolment as it helps in speedy claim settlement process.

Health Insurance Articles

  • Latest Articles
  • Popular Articles