Health Insurance 1477 views October 8, 2020

Health plans are very helpful during a medical emergency because it gives a cover to all the expenses related to hospitalization. On the other hand, it helps the individual to stabilize their financial position because the treatments for health issues are quite costly these days. Therefore the best option is to buy a health plan that gives you a cover for the various medical expenses. Niva Bupa Health Pulse Insurance Plan is one such option that gives you medical coverage for many diseases. You can even add your family members to give them protection against health risks. So, you must have a look at the key features and benefits of this interesting health insurance plan.

Health Insurance

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Key Features of Health Pulse Policy

  1. There is no involvement of any third party and the company directly settles the claim.
  2. Option to refill the Sum Assured if it is exhausted.
  3. All the expenses incurred for the daycare treatment are covered in this plan.
  4. Get a free health check-up from the next year onwards.
  5. You can renew this health insurance policy for life.
  6. Enjoy tax Deductions under Section 80D of the Income Tax Act.
  7. Get Cashless Facility at the Network Hospitals of Niva Bupa.

Benefits of Health Pulse Plan

You can see the various risks and expenses that are covered in this health insurance plan. The cover can help you to save your money during a medical uncertainty.

Hospitalization Cover

You will get a cashless facility at the network hospitals of Niva Bupa if in case you are hospitalized. All the payments related to the medical expenses will be made directly from the company to the hospital in a cashless form. This benefit enables the family members to stay with the patient and take good care of him.

Home Treatment Cover

If often happens that the doctors advise their patients to stay at home and continue the ongoing treatment of the health disease at home only. So in such a situation the expenses done for such treatment will be reimbursed under this insurance plan. Sometimes this situation occurs due to the unavailability of beds in the hospital and the doctor’s advice to stay at home and continue the treatment.

Pre and Post Hospitalization Cover

The company will cover all the expenses done prior to 60 days to hospitalization. On the other hand, all the expenses after 90 days from the date of discharge also known as post-hospitalization expenses will also be covered in the Niva Bupa Health Pulse Plan. So, your pre-hospitalization and post-hospitalization expenses will be reimbursed in this health insurance plan.


AYUSH treatment includes Ayurveda, Unani, Siddhi, and Homeopathy treatments. So, if in case you are going for any such treatment then the expenses related to it will be covered by the company. In-patient expenses or any other expenses will also be reimbursed if you are going through the AYUSH treatment.

Hospital Accommodation Cover

You will get a cover of up to 1% of the base sum insured per day for a single private room. On the other hand, there is coverage of up to 2% of the Sum Assured for ICU. This benefit is applicable when the Sum Assured is below Rs.5 lacs. If the Sum Assures is Rs.5 lacs and above then the single private room and ICU expenses are covered up to the Sum Assured.

Organ Transplant Cover

If in case the insured is going for an organ transplant surgery then expenses of the surgery and the donor’s expenses will be covered in this health insurance plan. The insurance company will bear the organ donor expenses.

Ambulance Cover

The ambulance expenses will also be covered in this health insurance plan. You can see the maximum amount of the cover that you will get for the ambulance charges.

  1. Ambulance Expenses are Covered up to Rs.1500 if the value of the Sum Assured is below Rs.5 Lacs.
  2. Ambulance Expenses are Covered up to Rs.2000 if the value of the Sum Assured is Rs.5 Lacs and above.

No Claim Bonus

It is not mandatory that you will have to face a health problem every year. So if in case you don’t make any claim in the policy year then from the next year the Sum Assured will be increased by 20%. It will keep on increasing by 20% after every claim-free year until it reaches 100% of the Sum Assured. You have the option to enjoy no claim bonus in this health plan.

Niva Bupa Health Pulse Insurance Plan Eligibility Criteria and Details

ParticularsHealth Pulse Classic PlanHealth Pulse Enhanced Plan
Minimum Amount of Sum AssuredRs.3 LacsRs.3 Lacs
Maximum Amount of Sum AssuredRs.10 LacsRs.25 Lacs
Free Health Check-upFrom 2nd Policy Years OnwardsFrom 2nd Policy Years Onwards
Refill BenefitsUp to 100% of the Bas Sum InsuredUp to 150% of the Bas Sum Insured
Starting Premium AmountRs.8339 per yearRs.8339 per year
Tax BenefitsUnder Section 80DUnder Section 80D

Exclusions of this Health Plan

  1. Rest Cure, rehabilitation, and respite care
  2. Obesity/ Weight Control
  3. Change-of-Gender treatments
  4. Cosmetic or plastic Surgery
  5. Hazardous or Adventure sports
  6. Breach of law
  7. Refractive Error
  8. Unproven Treatments
  9. Sterility and Infertility
  10. Maternity
  11. Ancillary Hospital Charges
  12. Circumcision
  13. Conflict & Disaster:
  14. External Congenital Anomaly:
  15. Dental/oral treatment:
  16. Hormone Replacement Therapy:
  17. Sexually transmitted Infections & diseases (other than HIV / AIDS):
  18. Sleep disorders:
  19. Unrecognized Physician or Hospital:
  20. Artificial life maintenance

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