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.

• Flexibility

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.