Max Bupa Health Pulse Plan
  • Know About Max Bupa Health Pulse Plan
  • Eligibility and Age Restrictions
  • Learn More About Its Key Features
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Niva Bupa Health Pulse Plan (Formerly Known As Max Bupa Health Pulse Plan)

Max Bupa Health Pulse Plan protects you and your family's health and provides customized benefits. The plan is available for individuals and families. With the sum insured range of Rs. 3 Lakhs to Rs. 10 Lakhs in two variants: Classic and Enhanced. These policies provide post-hospitalization, pre-hospitalization, daycare treatments, domiciliary treatments, and others. This is the comprehensive plan in which the policyholder gets yearly health check-ups.

Key Features/Benefits of Max Bupa Health Pulse Plan

Max Bupa Health Pulse Plan offers customized benefits. Let's discuss them in detail:

1 Annual medical check-up

Max Bupa offers health check-up to the policyholder annually. But this benefit is available from the second year of the policy.

2 Pre and Post Hospitalization

This plan covers expenses up to the sum insured during pre and post-hospitalization.

3 Hassle-free Claim Settlement Process

Health Pulse Plan offers a quick and hassle-free claim process within 30 minutes. There is no co-payment at the claim processing time with Enhanced Plan.

4 Boost your plan

It provides the flexibility to enhance your health cover along with the optional benefits such as e-consultation, personal accident, critical illness, etc.

5 Alternative Treatments

Get the AYUSH treatments covered under this plan up to the sum insured that includes non-allopathic treatments.

6 Renewability

Get the lifelong renewability option.

7 Organ Transplant

This policy covers the expenses incurred on the organ donor's inpatient treatment up to the limit of the sum insured amount.

Here are some of the highlights of this plan:

TypeIndividual and Family Health Insurance
Sum insuredUp to Rs 10 Lakh
Policy term1 year
Annual medical check-upStarts from 2nd year of the policy
Freelook periodWithin 15 days

Eligibility Criteria of Max Bupa Health Pulse Plan

Let's understand the Key Features of the Max Bupa health pulse plan for a better understanding:

Minimum Entry Age18 Years
Maximum Entry Age65 Years

Benefits of Max Bupa Health Pulse Plan

  1. Cumulative Bonus

    The sum insured amount increases by 10% of the coverage amount for every claim-free year. This increase can be up to a maximum of 100%.

  2. Free Medical Check-up

    Max Bupa Health Insurance Pulse policy offers a free health check-up annually from the 2nd year of the policy onwards.

  3. Organ Transplant

    This plan covers the expenses incurred in the inpatient treatment of organ donor transplantation up to the limit of the sum insured.

  4. Inpatient care

    Max Bupa Health Pulse plan offers coverage for the expenses incurred in inpatient hospitalization at network hospitals.

  5. Day Care Treatments

    This plan provides coverage to the insured for daycare treatments for hospitalization for less than 24 hours up to the limit of the sum insured.

    In the table below, we have illustrated the benefits and coverages that come under Max Bupa Health Pulse Plan. Let's explore the table to help you make the right choice.

Coverages offered by Max Bupa Health Pulse Plan

Benefits of Max Bupa Health Pulse Plan
Base Sum Insured (1-year policy)3 Lakh/4 Lakh5 Lakh/7.5 Lakh/10 Lakh/15 Lakh/20Lakh/25 Lakh
Inpatient TreatmentCovered up to Sum Insured
Nursing Charges, Doctor's Fees, OT Charges, Physiotherapy Charges, Medicine Expenses Prescribed by Medical Practitioner
Room Rent for a DayAvailability of Single Private Room or offers up to 1% Base Sum InsuredAvailability of Single Private Room
Charges of Intensive Care UnitUp to 2% Sum Insured (in a day)Covered up to Sum Insured
HIV/AIDSCovers treatment for HIV/AIDS on a 10% sum insured up to a maximum of Rs. 50,000
Pre-Hospitalization30 days; Covered up to the sum Insured
Post-Hospitalization60 days; Covered up to the sum Insured
Day Care TreatmentCovered up to Sum Insured
Domiciliary Treatment
Alternative Treatment
Organ Donor Transplant
Emergency AmbulanceUp to Rs. 1500/ hospitalizationUp to Rs. 2000/hospitalization
Pharmacy ServicesAvailable
Refill benefitUp to 100% of the sum insured
Health Check-upStarts from 2nd year of the policy
Treatments for Mental DisorderCovered up to the sum insured

Comparison of Classic and Enhanced Max Bupa Health Pulse Plan

As we have discussed above, the Max Bupa Health Pulse plan is available in two forms: Classic and Enhanced.

CoverageCover Available up to Rs. 10 LakhUp to Rs. 25 Lakhs
Cover Starts FromRs. 3 Lakhs-Rs. 10 LakhsRs. 3 Lakhs-Rs. 25 Lakhs
Refill BenefitsCovers up to 100% of the sum insuredCovers up to 150% of the sum insured
Health Check-upStarts onwards from the 2nd year of the policy
No Claim BonusOffers 20% of No Claim BonusOffers 20% of No Claim Bonus
Premium Starts FromRs. 8,339/ yearRs. 8,339/ year

Sample Premium Rates

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.


Premium Payable by Individuals under Max Bupa Classic and Enhanced Plan

Premiums at different ages under Max Bupa Classic and Enhanced Plan

This graph shows that the Premiums of Max Bupa Health Pulse Enhanced Plan are more than that of the Max Bupa Health Pulse Classic Plan. The cover for the Enhanced plan starts from Rs. 3 Lakhs to Rs. 25 Lakhs whereas classic has coverage that starts from Rs. 3 Lakhs to Rs. 10 Lakhs. So, the selection depends upon the policyholder's requirements, the coverage amount, and the sum insured options.

What is not covered under Max Bupa Health Pulse Plan?

Max Bupa Health Pulse plan does not cover the following illnesses/conditions:

Sleep disordersCircumcision Self-inflicted injury Injuries related to war Drug abuse/Substance abuse Cosmetic surgeries External congenital anamolies Hazardous activities Conflict and disaster cases Unlawful activities

How To Buy Max Bupa Health Premia Plan?

Following are the steps required to buy the Max Bupa Health Premia plan:

Max Bupa Company's Website

  • Visit the official website of Max Bupa and fill the application form.
  • It is important to disclose all information to the insurer to ensure smooth claim processing.
  • Check pre-policy medical check-up (if they are applicable at network hospitals).
  • After evaluating your case, the insurance company will send you the offer.
  • Read the offer letter carefully and check all the details about the policy features, benefits, and exclusions.

  • On the top right corner of this page, search for the 'Calculate Max Bupa Health Insurance Premium' form.
  • Fill in the necessary details to get the list of quotes.
  • Choose the desired Max Bupa health plan and pay the premium.
  • After the payment, the policy will be shared on your registered email address.

How Can I Renew My Max Bupa Health Insurance?

Let's discuss the Max Bupa health insurance renewal process. Follow the below steps to renew your policy easily:

  • Visit the company's website and click on the 'Renew' option.
  • Enter your 14 digit policy number and click 'Submit'.
  • You will get the renewal premium amount.
  • Click on the 'Pay now' option to make the payment.
  • On successful payment, you will receive a policy transaction number. A new policy kit will be emailed to you within 48 hours.

Claim Process at Max Bupa

Cashless Claims

  • Get admitted to any one of the network hospitals associated with Max Bupa. You can check the list of network hospitals on the company's website.
  • Use your Max Bupa Health Card and show them your identification proof.
  • After validating your identity, the network hospital will submit the pre-authorization request form to the company.
  • The company will review your request and provide the confirmation to the network hospital by fax or email and share the same with you via text or email.
  • The company will settle the claim with the hospital after the completion of all formalities.

For Reimbursement Claims

  • If admitted to a non-network hospital, notify Max Bupa within 48 hours of hospitalization. In emergency cases, inform them within 24 hours of hospitalization.
  • You need to pay the treatment expenses to the hospital. During discharge, collect all the necessary documents, invoices, medical reports, and discharge certificates from the hospital.
  • Send the completed claim form (available on Max Bupa's website) along with the required documents to Max Bupa.
  • Max Bupa Health Insurance will review the documents and settle the claim (if approved) by reimbursing you for the amount.

Documents Required For The Claim Process

  • Valid ID proof.
  • The claim application form that is duly signed along with KYC documents
  • Summary of final hospital discharge documents
  • Consultation notes and/or reports of investigation outside the hospital.
  • All medical records since the start of the complaint.
  • Copy of Medico Legal Certificate. The certificate is duly attested by the concerned hospital.
  • FIR i.e., First Information Report.
  • Original reports of diagnostic tests, radiology reports, and payment receipts.
  • Original hospital bills and discharge certificate signed by the medical practitioner.
  • Others requested by the company


1. Does it cover the treatment expenses for HIV/AIDS?

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.

2. Does this plan offer any co-payments?

No. There are no co-payments available under this plan.

3. What are the Cancellation Terms of the Policy?

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.

4. Can I get tax benefits from Max Bupa Health Pulse Plan?

Yes. This plan offers tax benefits under section 80(D) of the Income Tax Act.

Find Out What Customers Are Saying

(Showing latest 5 reviews only)

- 4.2/5 (65 Total Rating)

September 27, 2022

Vishal Singh


I want to thanks Atul Bhardwaj he suggested me good policy and provide me good comparison which help me to choose best plan...........

September 14, 2022

Sagar Jain


Very Good Organization, Very Decent Staff. Sales team is very good, they are following clients in proper manner

September 14, 2022

Mohan Bhargava


Best company I ve ever seen. Good service. Politely way of talk. An employee of policy x is Azhar (13272) a best advisor. Good knowledge about the product and companies.

September 14, 2022

Kakali Bagchi


The people who is seating in are vary supportive and they guide for the best policy and they help after sale also

June 3, 2022



I must say that they truly process claims in under 30 minutes. It really is true and not just one of those hoax promises by a brand.

View All Niva Bupa Health Insurance Reviews

Last updated on August, 2021

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