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All about Niva Bupa Health Insurance Company
Niva Bupa Health Insurance
Niva Bupa Health Pulse
Niva Bupa Health Pulse Plan focuses on essential hospitalisation cover ...Read More
Up to 1 Cr
Sum insured
1
No. of plans
320+
Pan India presence
94.4%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,742 reviews
🏥 10,000+ hospitals
📊 3.03 solvency ratio
✅ 94.4% claim settlement
About Niva Bupa Health Pulse
A quick read on what this Niva Bupa Health Insurance plan covers and why it might be a fit for you.
The Niva Bupa Health Pulse Plan is a simple health insurance option for people who want basic medical coverage without paying a high premium. It covers hospitalisation expenses, along with pre and post treatment costs and day care procedures. The plan also offers benefits like a no claim bonus and a refill of the sum insured, which can be useful over time.
At the same time, it is not a high-end plan with unlimited features. It focuses more on essential coverage, which is why it is often considered a practical choice for individuals and families looking for affordable protection.
In the sections below, we have explained the coverage, limits, and exclusions in detail so you can decide if this plan fits your needs.
Along with this, the plan also provides coverage for HIV/AIDS up to 10% of the base sum insured (maximum ₹50,000). The plan also covers Mental Disorder Treatments up to the sum insured.
The plan comes in two variants: Classic & Enhanced.
| PLAN TYPE | CLASSIC | ENHANCED |
| Base Sum Insured | ₹3 Lakhs - ₹10 Lakhs | ₹3 Lakhs - ₹25 Lakhs |
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
18 to 65 Years
Plan type
Individual and Family Health Insurance
Sum insured options
₹3 L, ₹4 L, ₹5 L, ₹7 L, ₹10 L, ₹15 L, ₹20 L, ₹25 L
Waiting period
30 days
Renewability
Lifelong
Policy term
upto 3 years
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Optional benefits available
- 150% Refill Benefit
- Annual Health Checkup
- Emergency Ambulance
- Living Organ Donor Benefit
Cons
- Conflict and Disaster cases
- 20% co-payment
- No Maternity Benefit
- Cosmetic surgeries
- Treatment for Alcoholism
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Covered
- Day-care treatment Covered
- OPD charges Not covered
- Covid-19 treatment Covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Covered
- Automatic restoration of SI Covered
- Daily hospital cash Covered
Family & special care
- Maternity cover Not covered
- New-born baby cover Not covered
- IVF treatment Not covered
- AYUSH treatment Covered
- Organ donor expenses Covered
Modern & preventive care
- Modern treatment Covered
- Road ambulance Covered
- Air ambulance Not covered
- E-consultation Covered
- Health check-up Not covered
- Second medical opinion Not covered
- Vaccination Not covered
Conditions & global
- Co-payment Not covered
- Sub-limits Covered
- Compassionate travel Not covered
- Global coverage Not covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
Niva Bupa Health Insurance Plan Detailed Review
Niva Bupa Health Pulse Optional Benefits
Enhanced Refill Benefit
Get the advantage of ‘Enhanced Refill Benefit’, where the insured will get a refill of up to 150% of base SI if the existing base SI is exhausted.Daily Hospital Cash Benefits
This plan provides a lump sum amount daily in case of hospitalisation and covers miscellaneous expenses incurred during hospitalisation. The benefit pays ₹1,000 per day for a Base Sum Insured of ₹5 Lakhs and below, and ₹2,000 per day for a Base Sum Insured greater than ₹5 Lakhs.Enhanced No Claim Bonus
Under this optional benefit, the plan increases 20% of the expiring Base Sum Insured in a Policy Year, up to a maximum of 200% of the Base Sum Insured.Critical Illness Cover
In case the insured becomes a victim of any of the listed 20 critical illnesses, (s)he will get a cover equal to the base SI (up to ₹10 Lakhs).Personal Accident Cover
If the insured dies or suffers partial/total disability due to an accident, the plan will offer 5 times the base SI (up to ₹50 Lakhs).
Niva Bupa Health Insurance Network Hospital List
Niva Bupa Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Niva Bupa Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- There is a list of certain conditions and treatments that the Niva Bupa Health Pulse Policy doesn't cover. A few of them are listed below:
- Sleep disorders
- Circumcision
- Self-inflicted injury
- Injuries related to war
- Drug abuse/Substance abuse
- Cosmetic surgeries
- External congenital anomalies
- Hazardous activities
- Conflict and disaster cases
- Unlawful activities
- Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:
- Listed ailments after 24 Months
- Pre-existing diseases after 48 Months
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Entry Age: - 18 Years
- Max Entry Age: - 65 Years
- Sum Insured: - ₹3 Lakhs to ₹25 Lakhs
- Waiting Period: - 30 Days
Other features & benefits
- Operation Theatre Coverage
- Modern Treatments
- Personal Accident Cover
- e-Consultation
- Daily Hospital Cash
Niva Bupa Health Pulse Plan: FAQs
The 5 most-asked questions about Niva Bupa Health Pulse, answered.
Yes. Max Bupa Health Pulse Plan covers the expenses incurred on hospitalization due to the treatment of HIV/AIDS. This benefit is offered within 48 months from the first day of the policy.
No. There are no co-payments available under this plan.
If the policyholder is not satisfied with this plan, they can discontinue it within 15 days from the date of the policy’s inception. All the paid premiums are returned to the policyholder.
Yes. This plan offers tax benefits under section 80(D) of the Income Tax Act.
Health Pulse by Niva Bupa comes with a lifelong renewal benefit.
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