Niva Bupa Health Pulse
  • Know About Max Bupa Health Pulse Plan
  • Eligibility and Age Restrictions
  • Learn More About Its Key Features
Niva Bupa Health Insurance
premium

Network hospitals

9100+

premium

Claim settlement ratio

99.99

premium

Sum insured

3 CR

premium

No. of Plans

14

premium

Solvency Ratio

1.7

premium

Pan India Presence

-

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

9100+

premium

Claim settlement ratio

99.99

premium

Sum insured

3 CR

premium

No. of Plans

14

premium

Solvency Ratio

1.7

premium

Pan India Presence

-

Niva Bupa (Formerly known as Max Bupa) Health Pulse

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 Pulse Plan Specifications

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.

Choose Your Niva Bupa Health Pulse

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

What is Room Rent?

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:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

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.

What are ICU Charges?

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.

What is Pre Hospitalization?

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.

What is Post Hospitalization?

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.

What is Domiciliary Hospitalization?

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.

What is Daycare Treatment?

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.

What are OPD charges?

The cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under Niva Bupa Health Pulse Plan?

Not Covered

What is COVID-19 Treatment?

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.

What is Cataract Treatment?

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.

What is a No-Claim Bonus?

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.

What is Automatic Restoration?

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.

What is Daily Hospital Cash?

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.

What is an Organ Donor Cover?

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.

What is a Maternity Cover?

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

What is a New Born Baby Cover?

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:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under Niva Bupa Health Pulse Plan?

Not Available.

What is AYUSH Treatment?

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.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under Niva Bupa Health Pulse Plan?

Not Available

What is a Modern Treatment?

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.

What is an Ambulance Cover?

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.

What is an Air Ambulance?

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

What is Compassionate Travel?

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

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under Niva Bupa Health Pulse Plan?

Not Available

What is E-Consultation?

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.

What is a Health Checkup?

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.

What is a Second Medical Opinion?

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

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under Niva Bupa Health Pulse Plan?

Not Available

What is Co-payment?

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.

What is the Sub limit?

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:

=

Other Health Insurance Companies

Niva Bupa Health Pulse Optional Benefits

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

Personal Accident Cover

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).

Critical Illness Cover

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).

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 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.

Enhanced No Claim Bonus

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.

Niva Bupa Health Pulse Plan Exclusions

Permanent 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

Coverage after Waiting Period

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

Niva Health Pulse 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.

Classic Variant

SI Options 30 40 50
Premium Payable 6,273 7,207 11,855

Enhanced Variant

SI Options 30 40 50
Premium Payable 8,135 9,349 15,373

Explore Niva Bupa Health Recharge Plan

Know more about Niva Bupa Health plans, claim process, buying process and contact details of the company by clicking on the sections below:

Claim Process

Click to know Niva Bupa Health Insurance Claim Process.

Buying Process

Click to know Niva Bupa Health Insurance Buying Process.

Contact Us

Feel free to contact Niva Bupa Health Insurance for more details.

Premium Calculator

Calculate Niva Bupa Premium online, without any hassles.

Renewal Process

Click here to Renew Niva Bupa Health Policy Online

Explore Other Plans by Niva Bupa Health Insurance

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:

Protect your entire family with smart features that provide you with everything you need under a health insurance plan.

Unique Features

  • No room rent capping
  • 20% increase in SI as no-claim bonus
  • 100% SI restoration

A comprehensive medical policy that blends well with the lifestyle of your family while offering SI options from 5 Lakhs to 3 Crores.

Unique Features

  • Maternity benefits available
  • 10% increase in SI annually
  • International coverage available

A budget-friendly health insurance plan that offers coverage to individuals and families with tailor-made benefits and great value for money.

Unique Features

  • No room rent capping
  • Up to 100% of SI restoration
  • 20% increase in SI as no claim bonus

A complete health insurance policy that covers you and your family with a wide range of SI (3 Lakhs to 1 crore) and keeps giving you more benefits.

Unique Features

  • Covers up to 6 members
  • Unlimited SI restoration
  • Coverage for modern treatment

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

  • Daily hospital cash
  • Accident care available
  • Lifelong renewability

NivaBupa AccidentCare

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

  • Global coverage available
  • Child education benefit
  • 125% of SI for permanent disability

NivaBupa Go Active

A modern-day digital insurance plan offering you cashless OPD and diagnostic services along with basic coverage and healthcare benefits.

Unique Features

  • Early age enrolment discounts
  • Up to 10 OPD consultations per year
  • No room rent capping

NivaBupa Heart Beat

A complete health plan, providing a wide range of medical benefits along with global emergency coverage.

Unique Features

  • Maternity & New born coverage
  • No room rent capping
  • 10% increase in SI annually

NivaBupa Money Saver

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

  • 100% SI restoration
  • Unlimited e-consultation
  • No room rent capping

A plan providing comprehensive protection to senior citizens with multiple coverage options counting from 5 - 25 Lakhs.

Unique Features

  • Coverage for modern treatments
  • Multiple co-payment options
  • Unlimited SI restoration

NivaBupa Super Saver

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

  • Up to 200% of SI as NCB
  • Up to 150% of SI restoration
  • Unlimited e-consultation

Max Bupa Health Insurance Network Hospital List

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.

Health Insurance Articles

Niva Bupa (Formerly known as Max Bupa) Health Pulse Plan: FAQs

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.

5. Till what age can I renew my Niva Bupa Pulse Plan?

Health Pulse by Niva Bupa comes with a lifelong renewal benefit.

Niva Bupa Health Pulse Review

Here are customers' reviews on Niva Bupa Health Pulse, know what they say.

Customer Review Image

Durgesh Kumar

Jaipur

March 25, 2023

Best health insurance claim mere leg ka surgery hui h 22.03.2023 ko 2 hrs m claim approval aa gya tha mari policey ko 7 month hi hua h mera claima 44000 rupaye ka tha 100% company n pay kiya h ...

Customer Review Image

Ajay Kapoor

Delhi

March 24, 2023

Bad experience operate 6th jan 2023 my claim no 31418820 Ajay Kapoor mob 7838722273 till date 24 mar 2023. No reimburse ment amount 67367 not recd . always demand new query. I send you after op...

Customer Review Image

Ranjan Kumar Verma

Patna

March 5, 2023

मैने 2016 में PolicyX.Com से Health Insurance Online Purchase किया था। अभी 2021 से मैं STAR HEALTH का Policy continue किया हूँ...

Customer Review Image

Tarun

Ludhiana

February 21, 2023

I got payment with in 3 working days. I am glad how Vomitha ma am who s the executive, listen me carefully and release the payment directly to my account. Thanks Acko

Customer Review Image

sandeep singh

Chandigarh

January 12, 2023

Dnt buy any policy from Star health They are big fraud my father is admitted in hospital crucial stage they reject our claims without reason i will filled case against company in consumer court...

Customer Review Image

Poonam Sinha

Surat

December 9, 2022

Mujhe khaas kar inki service best lagi. Policyx se mai hamesha services lungi. Maininki services se khush hu

Customer Review Image

Anita srivastava

Delhi

December 9, 2022

Policyx helped me a lot in documentation process, I was skeptical at first but they made my work easy.

Customer Review Image

Nishant

Lukhnow

December 9, 2022

Omg when i was buying the policies I was o skeptical. I contacted policyx and they solved my confusions and even helped in my documentations.. They are the best .

View All Niva Bupa Health Insurance Reviews