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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 DETAILS |
Health Pulse Plan |
Zuno Empower Health Insurance |
| Product Type | Individual and Family Health Insurance | Individual |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
10000 | 10000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Not Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Not Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not Covered | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Covered | Not Available |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Covered | Not Available |
| Plan Entry Age | 18 to 65 Years | Min- 3 months, Max- No age limit |
| Plan Premium Entry Age and S/A | 8339 | 7,600 |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | Hospitalisation Medical Expenses, Pre Post Treatment, Day Care Procedures, Ambulance Transportation Cover, Room Rent Coverage, ICU Charges Included, Sum Insured Refill, Critical Illness Cover | Hospitalization expenses, pre post expenses, daycare treatments, AYUSH modern treatment |
| Plan Sample Premium | 8339 | 7,600 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | upto 3 years | 1 year |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Covered | Not Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Covered | Not Covered |
| Air Ambulance | Not Covered | Not Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 94.4 | 98.54 |
| Solvency Ratio | 3.03 | 1.97 |
|
Niva Bupa Health Insurance Plan Detailed Review |
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