Niva Bupa health insurance plans

Niva Bupa Health Pulse Individual & Family Floater

  • Individual
  • Family

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Niva Bupa Health Pulse Quotes for Family

Niva Bupa Health Pulse Family health insurance plans provide coverage for the entire family within the scope of a single health plan. find quotes, compare & buy Niva Bupa Health Pulse Quotes for Family

Buy Niva Bupa Health Pulse for Family

Key Highlights of Health Pulse Individual & Family Floater Insurance

The new Niva Bupa Health Pulse is designed to help safeguard the insured family's health and well being. The plan provides coverage for hospitalization expenses, pre & post hospitalization expenses, day care treatment, organ transplant & alternative treatment like Ayurveda, Unani, Sidhha and Homeopathy among many other benefits. After the first renewal, the insured will be able to avail annual health check-up every year on cashless basis at Niva Bupa's empanelled diagnostic centers.

Niva Bupa Health Insurance review

Niva Bupa Health Insurance
Niva Bupa Health Insurance sum insured
2 lacs − 300 lacs options available
Incurred Claims Ratio *
54.00%
Niva Bupa Health Insurance tenure options
1 year
Claims Settlement Ratio **
85.96%
Niva Bupa Network hospitals list
6,900+ hospitals
Number of policies issued *
696,107
Maximum family floater coverage
Self, Spouse + 4 dependent children
Number of lives covered *
54,33,000
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website

Niva Bupa Health Pulse Individual & Family Floater Insurance

  • Key Features
  • Eligibility
  • Coverages
  • Exclusions

Key Features of Niva Bupa Health Pulse Individual & Family Floater Insurance

  • Room Rent : : Covered upto Sum Insured (except for suite/high room category)
  • Co-pay : NIL co-pay for all inpatients, 20% for treatment in certain Metro cities
  • Restoration (Refil) Benefit :Upto 100% of Base Sum Insured per year
  • Pre & Post Hospitalisation : Expenses covered up to Sum Insured.
  • Refill Benefit : Sum Insured reinstates (up to 100% or 150% of base sum insured) if subsequent claim is made of a different illness/injury during the same policy year.
  • Boost Your Plan : Flexibility to boost health cover with optional benefits such as personal accident, critical illness, e-consultation etc.
  • No Claim Bonus : Every claim free year adds up 10% or 20%# of base sum insured as bonus. Maximum up to 100% or 200% of base sum insured respectively.
  • Annual Health Check-up : Available from second policy year onwards.
  • Hassle-free Claims : 30 minutes cashless claim processing and in-house claim settlement.

Eligibility of Niva Bupa Health Pulse Individual & Family Floater Insurance

  • The entry age for adults under this policy can be from 18 to 65 years. The entry age for dependent children is from 91 days to 25 years.
  • The policy can be taken individually or for the family. The family floater policy is available in any of the following combinations:
    • 1 Adult
    • 1 Adult + 1 Child
    • 1 Adult + 2 Children
    • 1 Adult + 3 Children
    • 1 Adult + 4 Children
    • 2 Adults
    • 2 Adults + 1 Child
    • 2 Adults + 2 Children
    • 2 Adults + 3 Children
    • 2 Adults + 4 Children

Coverages under Health Pulse

Policy Coverages / Base Sum Insured (all figs in ₹INR) 3,00,000 / 4,00,000 5,00,000 / 7,50,000 / 10,00,000
In Patient Treatment Covered Upto Sum Insured
Nursing Charges for Hospitalisation as an inpatient excluding Private Nursing charges Covered Upto Sum Insured
Medical Practitioner's fees, excluding any charges or fees for Standby Services Covered Upto Sum Insured
Physiotherapy, investigation and diagnostic procedures directly related to the current admission Covered Upto Sum Insured
Medicines, drugs and consumables as prescribed by the treating medical practitioner Covered Upto Sum Insured
Intravenous fluids, blood transfusion, injection administration charges and/or consumables Covered Upto Sum Insured
Operation Theatre charges Covered Upto Sum Insured
Cost of prosthetics and other devices or equipment if implanted internally during surgery Covered Upto Sum Insured
Room Rent (per day) Up to 1% of Base Sum Insured per day or Single Private Room, whichever is lower Single Private Room
Intensive Care Unit charges Up to 2% of Sum Insured per day Covered up to Sum Insured
Pre - Hospitalisation Medical Expenses (30 days) Covered Upto Sum Insured
Post-Hospitalisation Medical Expenses (60 days) Covered Upto Sum Insured
Day Care Treatment Covered Upto Sum Insured
Domiciliary Treatment Covered Upto Sum Insured
Alternative Treatment Covered Upto Sum Insured
Living Organ Donor Transplant Covered Upto Sum Insured
Emergency Ambulance Up to 1,500 per hospitalisation Up to 2,000 per hospitalisation
Pharmacy and Diagnostic Services Available
No Claim Bonus Increase of 10% of expiring Base Sum Insured in a Policy Year; maximum up to 100% of Base Sum Insured; no increase in sub-limits; no reduction in No Claim Bonus in case of claim
Re - fill Benefit Up to 100% of Base Sum Insured
Health Check Up Annual, from 2nd policy year onwards
Mental Disorders Treatment Covered up to Sum Insured (sub-limit applicable on few conditions)
HIV/AIDS Covered up to 10% of Base Sum Insured, subject to maximum of ₹50,000
Co - Payment 20% co-payment applicable for treatment in Delhi NCR, Mumbai (including Navi Mumbai and Thane), Kolkata and Gujarat.
Optional Benefits
Personal Accident cover - Accident Death / Accident Permanent Total Disability (125 % of PA cover SI) / Accident Permanent Partial Disability Optional Personal Accident cover will be equal to 5 times of Base Sum Insured; maximum up to 50 Lac
Critical Illness Cover Critical illness cover will be equal to Base Sum Insured; maximum up to 10 Lac
e-Consultation Unlimited tele / online consultations
Hospital Cash(2) For Base Sum Insured of 5 Lac and below: 1,000 per day;
For Base Sum Insured greater than 5 Lac: 2,000 per day
Enhanced No Claim Bonus Increase of 20% of expiring Base Sum Insured in a Policy Year; maximum up to 200% of Base Sum Insured; no increase in sub-limits; no reduction in No Claim Bonus in case of claim
Enhanced Re - fill Benefits Refill Upto 150%of Base Sum Insured
Notes: (1) Re-Fill benefit - Reinstate up to 100% of Base Sum Insured. Applicable for different illness
(2) Hospital Cash - Minimum 48 hrs of continuous hospitalization required. Maximum coverage offered for 30 days/policy year/insured person. Payment made from day one subject to hospitalization claim being admissible
(3) Enhanced Re-Fill benefit - Reinstate up to 150% of Base Sum Insured. Applicable for different illness

Exclusions of Niva Bupa Health Pulse Insurance

Some of the key policy exclusions include:
  • Ancillary hospital charges
  • Hazardous activities
  • Artificial life maintenance
  • Circumcision
  • AYUSH treatments, except inpatient treatments taken under Ayurveda, Unani, Sidha and Homeopathy
  • Conflict & disaster
  • External congenital anomaly
  • Convalescence & rehabilitation
  • Cosmetic and plastic surgery
  • Dental/oral treatment
  • Eyesight & optical services
  • Experimental or unproven treatment
  • Hormone Replacement Therapy
  • Hospitalisation not justified
  • Inconsistent, irrelevant or incidental diagnostic procedures
  • Non-medical expenses
  • Obesity and weight control programs
  • Reproductive medicine & other maternity expenses
  • Robotic Assisted Surgery, Light Amplification by Stimulated Emission of Radiation (LASER) & Cyber Knife Treatments
  • Sexually transmitted infections & diseases
  • Sleep disorders
  • Substance related and addictive disorders
  • Unlawful activity
  • Treatment received outside India
  • Unrecognized physician or hospital
  • Generally excluded expenses - Any costs or expenses specified in the list of expenses generally excluded at Annexure II of the Policy Document

Niva Bupa Health Insurance FAQ's

If you exhaust your entire sum insured & cumulative bonus (if any) and still require further hospitalisation for any related or unrelated illness, we will refill the full Sum Insured at no extra cost upto the original Base Sum Insured.

The premium paid on a health insurance policy is eligible for deduction under Section 80D of the Income Tax Act. So save with your policy now!

No, it is not possible to revise the sum insured during the policy period, the same can be carried out at the time of renewal of the policy.

Co-payment is a cost-sharing requirement under a health insurance policy, where the Policy Holder / insured will bear a specified percentage of the admissible costs.

Brochure

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Proposal form

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Policy wordings

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022
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