Niva Bupa Health Pulse Health Insurance

Claim Settlement Ratio | 91.20% |
COVID-19 Cover | Yes |
Inception | 2008 |
Incurred Claim Ratio | 54% |
Network Hospitals | 4,500+ |
Renewability | Lifetime |
About Niva Bupa Health Pulse Health Insurance
Framed with a holistic approach, Health Pulse Policy safeguards people aged between 91 days and 65 years for numerous healthcare expenses. The policy is easy on the pocket as it comes at an affordable premium. When buying this policy, you can choose from two variants with different sum insured options starting at Rs. 3 Lakh going up to Rs. 25 Lakh. 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.
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, free look period, No Claim Bonus, refill benefit, etc. Apart from this, the policy also comes with several add-on benefits that you can include in your policy to enhance coverage. Some of these include personal accident expenses, e-consultation, and critical illness cover. You are eligible to avail coverage benefits under this policy after a waiting period of 15 days.
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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
1904 Niva Bupa Cashless Network Hospitals in India
Add-ons to Enhance Benefits
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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.
Claim Process at Niva Bupa Health Insurance
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FAQs on Health Pulse Policy Health Insurance Plan
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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.
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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.
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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.
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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.
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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.