Niva Bupa Health Pulse

Overview of Niva Bupa Health Pulse Plan

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.

Additional Coverage

• Coverage for HIV/AIDS up to 10% of the base sum insured (maximum ₹50,000).
• Coverage for Mental Disorder Treatments up to the sum insured.

Plan Variants

The plan comes in two variants: Classic and Enhanced.

Niva Bupa Health Pulse Optional Benefits

• Enhanced Refill Benefit

  Get the advantage of the ‘Enhanced Refill Benefit’, where the insured will get a refill of up to 150% of the base sum insured if the existing base sum insured 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 sum insured (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 sum insured (up to ₹50 Lakhs).

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

Waiting Periods

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

Documents Required

To purchase the Niva Bupa Health Pulse Plan, you will typically need to provide standard KYC documents such as Aadhaar Card, PAN Card, and proof of address during the application process.

Niva Bupa Health Pulse Sample Premium Rates

Now let's compare Classic and Enhanced variants of Niva Bupa Health Pulse plans based on the premium payable for 1 year on a sum insured of ₹5 Lakhs at different ages.

Classic Variant

Enhanced Variant