Network hospitals
9100+
Claim settlement ratio
99.99
Sum insured
3 CR
No. of Plans
14
Solvency Ratio
1.7
Pan India Presence
-
PolicyX.com is a Recognised Niva Bupa Partner View Certificate
Network hospitals
9100+
Claim settlement ratio
99.99
Sum insured
3 CR
No. of Plans
14
Solvency Ratio
1.7
Pan India Presence
-
PolicyX.com is a Recognised Niva Bupa Partner View Certificate
Go an extra mile for the health of your family with Niva Bupa Health Recharge
Niva Bupa Health Pulse Plan protects you and your family's health and provides customized benefits. The plan is available for individuals and families and the sum insured ranges from Rs. 3 Lakhs to Rs. 25 Lakhs. The policy provides post-hospitalization, pre-hospitalization, daycare treatments, domiciliary treatments, and many more features. This policy is comprehensive in which the policyholder gets yearly health check-ups as well.
Along with this, the plan also provides coverage for HIV/AIDS up to 10% of the base sum insured (maximum Rs.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 | Rs. 3 Lakhs - 10 Lakhs | Rs. 3 Lakhs- 25 Lakhs |
Niva Bupa Health Insurance Plan Detailed Review
All about Niva Bupa Health Insurance Company
Niva Bupa Health Insurance policy comes with some unique features. Below-mentioned are the specifications of the plan:
Entry Age
Minimum: 18 Years
Adult Entry Age
Maximum: 65 Years
Policy Type
Individual/Family
Renewability
Life long
Sum Insured
3L| 4L|5L|7.5L|10L|15L|20L|25L
Initial Waiting Period*
30 Days
*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.
Read more specifications in the Niva Bupa Health Recharge Brochure.
In-patient & Out-patient coverage
Room Rent
Up to 1% Base SI per day
ICU Charges
Up to 2% of SI per day
Pre-Hospitalization
Covered up to 30 days
Post-Hospitalization
Covered up to 60 days
Domiciliary Hospitalization
Covered up to SI
Daycare Treatment
Covered up to SI
OPD Charges
Not Available
Coverage Terms
COVID-19 Treatment
Covered
Cataract
Covered after the waiting period
No Claim Bonus
max up to 100% of Base Sum
Automatic Restoration
Up to 100% of Base Sum Insured
Daily Hospital Cash
Available as a Rider
Organ Donor
Covered up to SI
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
Alternative Treatments
AYUSH Treatment
Covered up to SI
IVF Treatment
Not Covered
Modern Treatment
Covered up to SI with a sub-limit.
Emergency Coverage
Ambulance
Up to 1,500 per hospitalisation
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
Wellness Programmes
E-Consultation
Unlimited tele/e-consultations
Health Check-Up
Annual 2nd policy year onwards
Second Medical Opinion
Not Covered
Vaccination
Not Covered
Limitations
Co-payment
Applicable
Sub-limits
Applicable on modern treatments
In-patient & Out-patient coverage
Room Rent
Single Private Room
ICU Charges
Covered up to Sum Insured
Pre-Hospitalization
Covered up to 30 days
Post-Hospitalization
Covered up to 60 days
Domiciliary Hospitalization
Covered up to SI
Daycare Treatment
Covered up to SI
OPD Charges
Not Available
Coverage Terms
COVID-19 Treatment
Covered
Cataract
Covered after the waiting period
No Claim Bonus
Max up to 100% of Base Sum
Automatic Restoration
Up to 100% of Base Sum Insured
Daily Hospital Cash
Available as a Rider
Organ Donor
Covered up to SI
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
Alternative Treatments
AYUSH Treatment
Covered up to SI
IVF Treatment
Not Covered
Modern Treatment
Covered up to SI with a sub-limit of 1L
Emergency Coverage
Ambulance
Up to 2,000 per hospitalisation
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
Wellness Programmes
E-Consultation
Unlimited tele / online consultations
Health Check-Up
Annual, from 2nd policy year onwards
Second Medical Opinion
Not Covered
Vaccination
Not Covered
Limitations
Co-payment
Applicable
Sub-limits
Applicable for Modern Treatments
Room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.
Common Room categories covered under room rent are:
Coverage status under Niva Bupa Health Pulse Plan?
Niva Bupa Health Pulse covers all hospital accommodations up to 1% of Base Sum Insured per day or Single Private Room, whichever is lower.
Niva Bupa Health Pulse offers room rent up to Single Private Room.
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under Niva Bupa Health Pulse Plan?
Under this plan, ICU charges are covered up to 2% of the Sum Insured per day.
Niva Bupa Health Pulse offers ICU Coverage up to the SI.
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under Niva Bupa Health Pulse Plan?
This plan covers medical expenses incurred during pre-hospitalization for up to 30 days.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under Niva Bupa Health Pulse Plan?
This plan covers medical expenses incurred during post-hospitalization for up to 60 days.
Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the financial coverage.
Coverage status under Niva Bupa Health Pulse Plan?
Under this plan, domiciliary hospitalization is covered up to the SI.
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under Niva Bupa Health Pulse Plan?
This plan covers expenses of daycare procedures up to the selected sum insured.
The cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under Niva Bupa Health Pulse Plan?
Not Covered
COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.
Coverage status under Niva Bupa Health Pulse Plan?
COVID-19 treatment cover is available under this plan.
A common eye condition in which your vision gets blurred.
Coverage status under Niva Bupa Health Pulse Plan?
The plan covers cataract treatment after a waiting period of 24 months.
For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.
Coverage status under Niva Bupa Health Pulse Plan?
The plan offers an increase of 10% of expiring Base Sum Insured in a Policy Year; a maximum of up to 100% of Base Sum Insured; no increase in sub-limits; no reduction in No Claim Bonus in case of claim not available.
Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.
Coverage status under Niva Bupa Health Pulse Plan?
The plan restores 100% of the base um insured.
It is a cash amount that you receive each day during the time of hospitalization.
Coverage status under Niva Bupa Health Pulse Plan?
The benefit is available as an optional benefit, wherein, the beneficiary is paid 1,000 per day for Base Sum Insured of 5 Lakhs and below & 2,000 per day for Base Sum Insured greater than 5 Lakhs.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under Niva Bupa Health Pulse Plan?
The plan offers Organ Donor coverage up to the selected Sum Insured.
It refers to the cover that includes expenses for normal and c-section procedures deliveries.
Coverage status under Niva Bupa Health Pulse Plan?
Not Available
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Coverage status under Niva Bupa Health Pulse Plan?
Not Available.
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under Niva Bupa Health Pulse Plan?
It is covered under this plan up to the selected sum insured.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under Niva Bupa Health Pulse Plan?
Not Available
Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under Niva Bupa Health Pulse Plan?
Modern Treatments are covered up to Sum Insured with sub-limit of `1 Lac on few robotic surgeries.
An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.
Coverage status under Niva Bupa Health Pulse Plan?
This plan covers Ambulance charges up to 1.5K per hospitalization.
This plan covers Ambulance charges up to 2K per hospitalization.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under Niva Bupa Health Pulse Plan?
Not available
Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.
Coverage status under Niva Bupa Health Pulse Plan?
Not Available
Any kind of medical/health emergency when you are outside of India.
Coverage status under Niva Bupa Health Pulse Plan?
Not Available
If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
Coverage status under Niva Bupa Health Pulse Plan?
The plan offers unlimited tele/online consultations.
A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.
Coverage status under Niva Bupa Health Pulse Plan?
Health check-ups are available annually from 2nd policy year onwards.
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company's network of medical practitioners.
Coverage status under Niva Bupa Health Pulse Plan?
Not Available
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under Niva Bupa Health Pulse Plan?
Not Available
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Coverage status under Niva Bupa Health Pulse Plan?
The plan comes with a co-payment of 20% applicable for treatment in Classic variant.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.
Coverage status under Niva Bupa Health Pulse Plan?
The plan has a sub-limit available for Modern Treatments:
=The insured can even grab optional benefits available under the umbrella of the plan. Such benefits are listed below
Personal Accident Cover
Critical Illness Cover
Enhanced Refill Benefit
Daily Hospital Cash Benefits
Enhanced No Claim Bonus
If the insured dies or suffers partial/total disability due to an accident, the plan will offer 5 times of base SI (up to Rs.50 Lakhs).
In case the insured becomes a victim of any listed 20 critical illnesses, (s)he will get a cover equal to the base SI (up to Rs.10 Lakhs).
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.
This plan provides a lump sum amount daily in case of hospitalization and covers miscellaneous expenses incurred during hospitalization. The benefit pays 1,000 per day for Base Sum Insured of 5 Lac and below & 2,000 per day for Base Sum Insured greater than 5 Lac.
Under this optional benefit the plan increases 20% of expiring Base Sum Insured in a Policy Year; maximum up to 200% of Base Sum Insured.
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
Now let's compare classic and enhanced variants of Max Bupa Health Pulse plans based on the premium payable for 1 year on a sum insured Rs. 5 Lakhs at different ages.
SI Options | 30 | 40 | 50 |
Premium Payable | 6,273 | 7,207 | 11,855 |
SI Options | 30 | 40 | 50 |
Premium Payable | 8,135 | 9,349 | 15,373 |
Niva Bupa Health Insurance company offers various medical policies to fulfill the needs of different segments of customers. Along with Niva Bupa Health Recharge, Niva Bupa offers different other health insurance plans to cater to the different medical needs of an individual & their family. Take a look below to explore more:
An individual and family plan that covers all day care treatments, modern treatments, comes with a safeguard add-on and provides annual health check-ups.
Unique Features
A policy for you and your family which covers modern treatments, laser surgery, e-consultations, annual health check-ups, and coverage of 3 Crores.
Unique Features
A budget-friendly health insurance plan that offers coverage to individuals and families with tailor-made benefits and great value for money.
Unique Features
A complete health insurance policy that covers you and your family with a wide range of SI (3 Lakh to 1 Crore) and continues to give you more benefits.
Unique Features
Buy a cover of up to 2 crores to secure you and your loved ones against 20 major critical illnesses with the Niva Bupa CritiCare plan.
Unique Features
Offers personal accident cover of up to 2 crores on an individual and family floater basis. Pays 100% of SI to your family in case of accidental death.
Unique Features
A modern-day digital insurance plan offering you cashless OPD and diagnostic services along with basic coverage and healthcare benefits.
Unique Features
A complete health plan, providing a wide range of medical benefits along with global emergency coverage.
Unique Features
A unique health insurance plan that combines the benefits of basic SI and top-up cover to offer enhanced protection to individuals and families.
Unique Features
A plan providing comprehensive protection to senior citizens with multiple coverage options counting from 5 - 25 Lakhs.
Unique Features
An individual and family health plan, providing a cover of up to 1 crore at affordable premiums combined with advanced features and benefits.
Unique Features
Niva Bupa Reassure 2.0 provides insurance holders with a high sum insured through their platinum, titanium, and bronze variants along with a multitude of other features.
Unique Features
Max Bupa Health Insurance Network Hospitals are present in 32 states nationwide. With a wide network of hospitals, Max Bupa Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
See More Health Insurance Articles
See More Health Insurance Articles
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.
Here are customers' reviews on Niva Bupa Health Pulse, know what they say.
Bhimrao Gupta
Allahabad
September 29, 2023
The reminders for premium payment and renewals and a good customer support is what i appreciate about the company
Anand Prasad
Jaipur
September 29, 2023
I was given plan options to choose from and they customised it according to my needs. Would recommend
Atharvi Taneja
Raipur
September 29, 2023
My father had a cardiac arrest last week, I got a huge bill for his treatment. If I had not the Star Health Plan I am not sure from where I would have covered those medical bills. Thanks to the...
Deepak Rajarshi
Jaipur
September 29, 2023
PolicyX.com has made it easy to buy a Star Health Plan. Now I can understand all the terms and conditions, coverage benefits, premiums and all at one call.
Aruna Barahpuriya
Dehradun
September 29, 2023
I highly recommend buying a Health plan from Star Health Insurance Company. If you buy a plan under the supervision of PolicyX.com experts, they give you 24*7 assistance meaning you need not w...
Aditi Sharma
Pune
September 29, 2023
Best insurance company, I switchеd to Aditya Birla Health Insurance and savеd a lot of money whilе enjoying easy claim procеss.
Radhika
Delhi
September 29, 2023
I was worried about investing a huge amount in insurance products, but with care, I m feeling happy and secure.
Divya
Bengaluru
September 29, 2023
The company personnel are very helpful and Care is a very good company. I bought their health insurance product.
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