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Individual Health Insurance Plans
Niva Bupa Health Pulse Plan
Niva Bupa Health Pulse plan is a budget-friendly health insurance plan that is specifically designed to protect your as well as your family’s health with the help of personalized benefits and great values. The policy comes in ‘Individual’ and ‘Family’ floaters, each having two variants of the ‘Classic’ and ‘Enhanced’ plan. Aside from the coverage benefits, you can take advantage of a number of other advantages with this policy, including lifetime renewability.
|Entry Age||18 To 65 Years|
|Type||Individual & Family Health Insurance|
For Classic: Rs. 3 Lakhs To Rs. 10 Lakhs
For Enhanced: Rs. 3 Lakhs To Rs. 25 Lakhs
|Health Check-Up||Starts From 2nd Year Of The Policy|
|Policy Term||1 Or 2 Years|
Major Features Of Niva Bupa Health Pulse Plan
Following are some of the key features of the Niva Bupa Health Pulse plan:
- Benefit Refill
By paying a small additional premium at the time of policy acquisition, you can receive an enhanced re-fill benefit of 150 percent of the base sum insured. This can be quite beneficial to the insured, especially in the event of a long-term illness.
- Enhanced NCB
This add-on provides you with a No Claim Bonus of 20% of the expiring base sum insured at the time of renewal, up to a maximum of 200% of the base sum insured. In this manner, you can earn up to a 20% No Claim Bonus with the help of this plan.
The plan allows the policyholder to choose between various optional benefits, such as critical illness cover, personal accident cover, e-consultation, etc. This helps the policyholder to boost his/her health cover with the flexibility to choose between various benefits.
- No Room Rent Cap
In case your sum insured is Rs. 5 lakhs and above, the plan provides coverage for the single private room. Simply said, if the entire claim amount is up to the stated sum insured, you can receive care, including ICU if necessary, in any hospital room.
- Free Look Period
In case you are dissatisfied with the terms and conditions of the Niva Bupa Health Pulse plan, you can cancel it within 15 days of the date of inception of the policy. The company will provide a full refund upon cancellation within the free look period.
- Tax Benefits
Under Section 80 D of the Income Tax Act, 1961, you can save taxes on the premium paid for the Niva Bupa Health Pulse plan. Every taxpayer can deduct Rs. 15,000 from their taxable income each year for premiums for themselves, their spouses, and their dependent children. This amount is Rs. 20,000 for senior citizens. This will assist you in saving a significant amount of money, which you can use for other important things.
Niva Bupa Health Pulse Plan In Details
|In-Patient Treatment||Covered Up To SI|
|Operation Theatre Charges||Covered Up To SI|
|Pre-Hospitalization Expenses||30 Days|
|Post-Hospitalization Expenses||60 Days|
|Daycare Treatment||Covered Up To SI|
|Domiciliary Treatment||Covered Up To SI|
|Alternative Treatment||Covered Up To SI|
|Refill Benefit||Up To 100% Of Base SI|
For Classic: Up To Rs. 1500 Per Hospitalization
For Enhanced: Up To Rs. 2000 Per Hospitalization
|Critical Illness Cover||Up To Rs. 10 Lakhs|
For Base Sum Insured Of Rs. 5 Lakhs & Below: Rs. 1000 Per Day
For Base Sum Insured Greater Than Rs. 5 Lakhs: Rs. 2000 Per Day
Niva Bupa Health Pulse Policy Exclusion
The following things are not covered under the Niva Bupa Health Pulse plan:
- Hazardous activities
- Maintenance of artificial life
- Ancillary hospital charges
- Convalescence & rehabilitation
- External congenital anomaly
- Disaster and conflict
- Oral/dental treatment
- Cosmetic and plastic surgery
- Hormone replacement
- Unproven or experimental treatment
- Optical and eyesight treatments
- Obesity and weight control treatments
- Maternity expenses and reproductive medicines
- Sleep disorders
- Sexually transmitted diseases and infection
- Addictive disorders
- Treatment obtained outside India
Premium Calculation Of Niva Bupa Health Pulse
Before buying Niva Bupa Health Pulse plan, you must be aware of how much premium amount you need to pay to the insurance company. Therefore, we have calculated premium amounts for various sum insured options.
|Name||Age (In Years)||Gender||Sum Insured||Premium Amount|
|Avantika Kumari||28||Female||Rs. 3 Lakhs||Rs. 4,906||Rs. 6,359|
|Manoj Sharma||31||Male||Rs. 4 Lakhs||Rs. 5,460||Rs. 7,078|
|Shikha Dubey||41||Female||Rs. 5 Lakhs||Rs. 8,487||Rs. 11,014|
|Saurabh Chaudhary||51||Male||Rs. 10 Lakhs||Rs. 20, 230||Rs. 25, 953|
Frequently Asked Questions
When you sign up for a new health insurance coverage, you may need a medical exam. Medical examinations are not frequently required for policy renewal. It is, however, recommended that you get a medical check-up when you enroll since this will aid with the claim settlement procedure.
According to the policy’s terms and conditions, the Health Pulse plan from Niva Bupa covers expenses paid during Coronavirus treatment.
No. You cannot change the sum insured during the mid-term of the policy. You can only change your sum insured at the time of renewal of the policy.
The optional benefits available under the Niva Bupa Health Pulse plan are as follows:
- Personal accident cover
- Critical illness cover
- Enhanced no claim bonus
- Hospital cash
- Enhanced re-fill benefits
Yes. A co-payment clause is included in Niva Bupa Health Insurance’s Health Pulse Policy. If you want to receive medical care in Delhi-NCR, Gujarat, Mumbai, or Kolkata, you must pay 20% of the claim amount. This is only applicable to the ‘Classic’ version of the policy. For the ‘Enhanced’ plan, there is no co-payment clause available.