Niva Bupa Health Pulse Insurance, Niva Bupa Health Pulse Medical Insurance

Niva Bupa Health Pulse insurance plan details

Key Features
Eligibility
Coverages
Exclusions

Key Features of Niva Bupa Health Pulse Individual & Family Floater Insurance

Room Rent : : Covered upto Sum Insured (except for suite/high room category)
Co-pay : NIL co-pay for all inpatients, 20% for treatment in certain Metro cities
Restoration (Refil) Benefit :Upto 100% of Base Sum Insured per year
Pre & Post Hospitalisation : Expenses covered up to Sum Insured.
Refill Benefit : Sum Insured reinstates (up to 100% or 150% of base sum insured) if subsequent claim is made of a different illness/injury during the same policy year.
Boost Your Plan : Flexibility to boost health cover with optional benefits such as personal accident, critical illness, e-consultation etc.
No Claim Bonus : Every claim free year adds up 10% or 20%# of base sum insured as bonus. Maximum up to 100% or 200% of base sum insured respectively.
Annual Health Check-up : Available from second policy year onwards.
Hassle-free Claims : 30 minutes cashless claim processing and in-house claim settlement.

Eligibility of Niva Bupa Health Pulse Individual & Family Floater Insurance

The entry age for adults under this policy can be from 18 to 65 years. The entry age for dependent children is from 91 days to 25 years.
The policy can be taken individually or for the family. The family floater policy is available in any of the following combinations:
- 1 Adult
- 1 Adult + 1 Child
- 1 Adult + 2 Children
- 1 Adult + 3 Children
- 1 Adult + 4 Children
- 2 Adults
- 2 Adults + 1 Child
- 2 Adults + 2 Children
- 2 Adults + 3 Children
- 2 Adults + 4 Children

Coverages under Health Pulse

Policy Coverages / Base Sum Insured (all figs in ₹INR)	3,00,000 / 4,00,000	5,00,000 / 7,50,000 / 10,00,000
In Patient Treatment	Covered Upto Sum Insured
Nursing Charges for Hospitalisation as an inpatient excluding Private Nursing charges	Covered Upto Sum Insured
Medical Practitioner's fees, excluding any charges or fees for Standby Services	Covered Upto Sum Insured
Physiotherapy, investigation and diagnostic procedures directly related to the current admission	Covered Upto Sum Insured
Medicines, drugs and consumables as prescribed by the treating medical practitioner	Covered Upto Sum Insured
Intravenous ﬂuids, blood transfusion, injection administration charges and/or consumables	Covered Upto Sum Insured
Operation Theatre charges	Covered Upto Sum Insured
Cost of prosthetics and other devices or equipment if implanted internally during surgery	Covered Upto Sum Insured
Room Rent (per day)	Up to 1% of Base Sum Insured per day or Single Private Room, whichever is lower	Single Private Room
Intensive Care Unit charges	Up to 2% of Sum Insured per day	Covered up to Sum Insured
Pre - Hospitalisation Medical Expenses (30 days)	Covered Upto Sum Insured
Post-Hospitalisation Medical Expenses (60 days)	Covered Upto Sum Insured
Day Care Treatment	Covered Upto Sum Insured
Domiciliary Treatment	Covered Upto Sum Insured
Alternative Treatment	Covered Upto Sum Insured
Living Organ Donor Transplant	Covered Upto Sum Insured
Emergency Ambulance	Up to 1,500 per hospitalisation	Up to 2,000 per hospitalisation
Pharmacy and Diagnostic Services	Available
No Claim Bonus	Increase of 10% of expiring Base Sum Insured in a Policy Year; maximum up to 100% of Base Sum Insured; no increase in sub-limits; no reduction in No Claim Bonus in case of claim
Re - ﬁll Benefit	Up to 100% of Base Sum Insured
Health Check Up	Annual, from 2nd policy year onwards
Mental Disorders Treatment	Covered up to Sum Insured (sub-limit applicable on few conditions)
HIV/AIDS	Covered up to 10% of Base Sum Insured, subject to maximum of ₹50,000
Co - Payment	20% co-payment applicable for treatment in Delhi NCR, Mumbai (including Navi Mumbai and Thane), Kolkata and Gujarat.
Optional Benefits
Personal Accident cover - Accident Death / Accident Permanent Total Disability (125 % of PA cover SI) / Accident Permanent Partial Disability Optional	Personal Accident cover will be equal to 5 times of Base Sum Insured; maximum up to 50 Lac
Critical Illness Cover	Critical illness cover will be equal to Base Sum Insured; maximum up to 10 Lac
e-Consultation	Unlimited tele / online consultations
Hospital Cash(2)	For Base Sum Insured of 5 Lac and below: 1,000 per day; For Base Sum Insured greater than 5 Lac: 2,000 per day
Enhanced No Claim Bonus	Increase of 20% of expiring Base Sum Insured in a Policy Year; maximum up to 200% of Base Sum Insured; no increase in sub-limits; no reduction in No Claim Bonus in case of claim
Enhanced Re - fill Benefits	Refill Upto 150%of Base Sum Insured
Notes:	(1) Re-Fill benefit - Reinstate up to 100% of Base Sum Insured. Applicable for different illness (2) Hospital Cash - Minimum 48 hrs of continuous hospitalization required. Maximum coverage offered for 30 days/policy year/insured person. Payment made from day one subject to hospitalization claim being admissible (3) Enhanced Re-Fill benefit - Reinstate up to 150% of Base Sum Insured. Applicable for different illness

Exclusions of Niva Bupa Health Pulse Insurance

Some of the key policy exclusions include:

Ancillary hospital charges
Hazardous activities
Artificial life maintenance
Circumcision
AYUSH treatments, except inpatient treatments taken under Ayurveda, Unani, Sidha and Homeopathy
Conflict & disaster
External congenital anomaly
Convalescence & rehabilitation
Cosmetic and plastic surgery
Dental/oral treatment
Eyesight & optical services
Experimental or unproven treatment
Hormone Replacement Therapy
Hospitalisation not justified
Inconsistent, irrelevant or incidental diagnostic procedures
Non-medical expenses
Obesity and weight control programs
Reproductive medicine & other maternity expenses
Robotic Assisted Surgery, Light Amplification by Stimulated Emission of Radiation (LASER) & Cyber Knife Treatments
Sexually transmitted infections & diseases
Sleep disorders
Substance related and addictive disorders
Unlawful activity
Treatment received outside India
Unrecognized physician or hospital
Generally excluded expenses - Any costs or expenses specified in the list of expenses generally excluded at Annexure II of the Policy Document

Niva Bupa Health Pulse Health Insurance

Key Features of Niva Bupa Health Pulse Insurance

Niva Bupa Health Insurance review

Niva Bupa Health Pulse insurance plan details

Key Features of Niva Bupa Health Pulse Individual & Family Floater Insurance

Eligibility of Niva Bupa Health Pulse Individual & Family Floater Insurance

Coverages under Health Pulse

Exclusions of Niva Bupa Health Pulse Insurance

Niva Bupa health insurance useful links

Search Niva Bupa health insurance

Other popular Niva Bupa mediclaim insurance India

Niva Bupa Health Insurance

Useful Info

Help center

Quick tools

Plans

Contact our customer service team