Niva Bupa Health Pulse Health Insurance

Niva Bupa, formerly known as Max Bupa offers a number of health insurance plans to cater to the varied health insurance needs of policyholders. One of the most popular health insurance plans that the company offers is the Niva Bupa Health Pulse policy. The policy is easy on the pocket as it comes at an affordable premium. When buying this policy, you can choose different sum insured options starting at Rs. 3 Lakh and going up to Rs. 25 Lakh. Read on to learn all about Niva Bupa Health Pulse Health Insurance.

Key Features of Niva Bupa Health Pulse Health Insurance

Listed below are the key features of Niva Bupa Health Pulse Health Insurance plan that you should know about:

• Coverage: Offered on an individual or family floater basis, the policy covers you for several healthcare expenses, some of which include pre-hospitalisation and post-hospitalisation expenses, in-patient hospitalisation expenses, availability of annual health check-up coverage, alternative treatments, domiciliary hospitalisation expenses, emergency ambulance, organ donor expenses, pharmacy and diagnostic services, etc.
• Sum Insured: You can choose a sum insured between Rs. 3 lakhs to Rs. 10 lakhs while buying the Niva Bupa Health Pulse Health Insurance.
• Refill Benefits: With the Niva Bupa Health Plus Health Insurance plan, you also get 100% refill benefits. This means the sum insured will be refilled in case it gets exhausted.
• Variants: It is available in two variants - Classic and Enhanced. So, depending on your requirements and coverage, you can choose a suitable variant.

Eligibility Criteria of Niva Bupa Health Pulse Plan

Listed below are the eligibility criteria for the Niva Bupa Health Plus plan:

Benefits of Niva Bupa Health Pulse Plan

Some of the benefits of buying the Niva Bupa Health Pulse Plan are as follows:

• Pre and Post Hospitalisation: The Niva Bupa Health Pulse Plan covers pre and post-hospitalisation medical expenses. This coverage is offered up to the sum insured.

• Annual Health Check-up: This plan also provides coverage for annual health check-ups from the 2nd policy year onwards. With annual health check-ups, you can get coverage for all the expenses incurred towards annual health check-ups.

• No Claim Bonus: For every claim-free year, policyholders are given additional discounts on health insurance premiums. Thus, if you have not raised a claim in a given year, then a discount of 10 or 20% is given out.
• Tax Benefits: Apart from the coverage benefits, you can avail several other benefits under this policy, you also get to enjoy lifetime renewability benefit, tax benefits as per prevailing tax laws.
• Add-on Benefits: The policy also comes with several add-on benefits that you can include in your policy to enhance coverage. These include personal accident expenses, e-consultation, and critical illness coverage. You are eligible to avail of coverage benefits under this policy after a waiting period of 15 days.
• Hassle-free Claims: With the Niva Bupa Health Pulse Plan, you can get your claims settled in a hassle-free manner in just 30 minutes.

Inclusions and Exclusions of Niva Bupa Health Pulse Plan

Inclusions:

• Pre and Post Hospitalisation Expenses: The pre-hospitalisation expenses are covered for 30 days and post-hospitalisation expenses are covered for up to 60 days. The coverage is offered on the basis of the sum insured.
• Daycare Treatment: Expenses for daycare procedures are given up to the sum insured.
• Alternative Treatment: The Niva Bupa Health Pulse Plan also provides coverage for alternative treatment up to the sum insured.
• Domiciliary Treatment: Domiciliary treatment is given up to the sum insured with the Health Pulse plan.
• Emergency ambulance: For emergency ambulance, expenses of up to Rs. 2000 is given with the Health Pulse plan.
• Re-fill Benefit: The Niva Bupa Health Pulse plan provides re-fill benefits of up to 100% with the Health Pulse plan.

In addition, the plan also provides coverage for pharmacy and diagnostic services, medical consultations, organ donor transplants, and a lot more.

Exclusions:

• Ancillary hospital charges
• Injury due to hazardous activities
• Expenses related to circumcision
• Cosmetic and plastic surgery expenses
• Dental treatment
• Optical treatment
• Any unproven treatment
• Obesity related expenses
• Any kind of non-medical expenses

Riders Available with Niva Bupa Health Pulse Plan

Some of the riders that you can include in your Niva Bupa Health Pulse Plan are as follows:

• Personal Accident Cover: Under the Personal Accident Cover, you will get coverage if there is any kind of injury due to an accident. If the policyholder meets a partial or complete disability or dies due to an unfortunate accident, then the relevant financial assistance is offered under Personal Accident Cover.

• Critical Illness Cover: This is an add-on that provides coverage for any kind of critical illness such as cancer, heart attack, coma, kidney failure, anemia, and more.

• Enhanced Re-fill Benefit: With this add-on, the sum insured will be recharged by 150% instead of 100% in case it gets exhausted.

Variants Available with Niva Bupa Health Pulse Plan

There are two types of variants that you can include in your Niva Bupa Health Pulse Plan: Enhanced and Classic. Scroll through the section to know more about these:

• Enhanced: The Enhanced variant of the Niva Bupa Health Pulse plan provides coverage of up to Rs. 25 lakhs. This plan provides refill benefits of up to 150% and has no co-payment clause.

• Classic: This variant of the Health Pulse plan provides coverage of up to Rs. 10 lakhs. The refill benefit available under this is 100% and has an extensive range of coverage.

Variant Details at a Glance

Documents Required to Buy Niva Bupa Health Pulse Plan

Some of the documents required to buy the Niva Bupa Health Pulse Plan are:

• A duly filled application form
• Aadhaar card
• PAN card
• Driving license
• Birth certificate
• Passport
• Bank passbook
• Electricity bill
• Previous medical report

How to Buy Niva Bupa Health Pulse Plan?

Listed below are the ways in which you can buy the Niva Bupa Health Pulse Plan:

• Visit the “Health Insurance” section on the official InsuranceDekho website.
• Choose "Niva Bupa Health Insurance" from the list of health insurance companies.
• Then, select "Pulse plan" from the available health insurance plans.
• Read the policy documents carefully
• Upload all the necessary documents to complete the KYC process
• After finishing the KYC process, pay the premium online
• Finally, you will receive the policy document in your registered email

Claim Process of Niva Bupa Health Pulse Plan

There are two types of claims you can raise with the Niva Bupa Health Pulse Plan: reimbursement and cashless claim. Under a cashless claim, you need not spend anything from your pocket and the bills will be directly settled by the insurance company. On the other hand, in a reimbursement claim settlement, you need to first spend for the medical expenses which will be later reimbursed by the insurance company.

Cashless Claim Process:

• Visit a nearby cashless hospital that has tie-ups with Niva Bupa
• Fill out the proposal form and submit all the required details such as policy details, claim form, and more
• Then, the TPA will verify all the documents and it will then be verified
• Once everything has been verified, your claim request will be settled by Niva Bupa

Reimbursement Claim Process

• For reimbursement claims, you can seek treatment at any hospital
• Next, raise a claim request on the official website of Niva Bupa
• Submit all the required documents such as medical reports, hospital expenses, and more
• Later, when all the documents are verified, you will receive reimbursement for all the medical expenses