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Insurance Plans Comparison

Niva Bupa Health Pulse Classic vs Care Supreme Enhance Two

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Niva Bupa

Health Pulse Classic

Niva Bupa Health Pulse Classic

What Makes It Special:

A value-focused health plan with Loyalty Additions, a Re-fill benefit and optional add-ons, with a 20% co-payment applying only in specified cities.

Best For:

  • Customers comfortable with room rent limits on lower Sum Insured options.

  • Adults aged 18 to 65 years buying a new policy, subject to eligibility.

  • People who want the option to add Personal Accident or Critical Illness cover.

  • Buyers who want their cover to grow through annual Loyalty Additions.

  • First-time buyers looking for straightforward hospitalisation coverage.

  • Families outside Delhi NCR, Mumbai, Kolkata and Gujarat who want to avoid the plan's city-specific co-payment.

VS
Care

What Makes It Special:

Care Supreme Enhance 2 is an advanced health insurance plan crafted for superior medical protection. It offers higher sum insured options, covers hospitalization, daycare, pre- and post-hospitalization, and provides cashless treatment. With added wellness benefits and optional riders, it ensures families get holistic, flexible, and affordable healthcare coverage

Best For:

  • Wellness perks and rewards with your policy

  • Daycare and full hospitalization benefits

  • Nationwide cashless hospitalization

  • Higher medical coverage with value-for-money premiums

Insurance Plans Comparison

Get Personalized Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Quick Decision Guide

Niva Bupa Health Pulse Classic

  • The available Sum Insured options for Classic above ₹10 Lakh need confirmation because the prospectus and sales sheet differ.

  • There is no deductible option.

  • Maternity and general OPD treatment are not covered.

  • Pre-existing diseases have a 36-month waiting period.

  • Listed specified conditions have a 24-month waiting period.

  • Pre-hospitalisation cover is limited to 30 days and post-hospitalisation cover to 60 days.

  • For ₹3 Lakh and ₹4 Lakh cover, room rent is limited to 1% of the Base Sum Insured per day and ICU charges to 2% per day.

  • A 20% co-payment applies to treatment in Delhi NCR, Mumbai including Navi Mumbai and Thane, Kolkata and Gujarat.

  • Optional Personal Accident, Critical Illness, Hospital Cash and unlimited e-Consultation benefits are available at additional premiums.

  • Mental illness, HIV/AIDS, domiciliary treatment and modern treatments are covered, with specified sublimits and waiting periods.

  • A single private room is covered for Sum Insured of ₹5 Lakh and above.

  • Re-fill of up to 100% of the Base Sum Insured is available for a different illness or injury. Optional Enhanced Re-fill increases it to 150%.

  • Loyalty Additions add 10% of the Base Sum Insured every policy year, up to 100%.

Care Supreme Enhance Two

  • You want customizable add-ons for stronger family security

  • You want health rewards and wellness benefits included

  • You want all-round protection including daycare and post-hospitalization

  • You want cashless access to top hospitals across India.

  • You want superior coverage with higher sum insured

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Pulse Classic
Health Pulse Classic

Health Insurance Plan

VS
Supreme Enhance Two
Supreme Enhance Two

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Health Pulse Classic

  1.  Normal: single A/C private room
  2. ICU: no limit, expenses incurred would be covered by the policy.
VS

Supreme Enhance Two

  1. Normal: Single private room
  2. ICU: No Limit
Advanced Treatments

Health Pulse Classic

Including robotic surgeries, stem cell therapy (for specific conditions), and modern procedures like laser treatments and bariatric surgery.

VS

Supreme Enhance Two

  1. Robotic Surgery
  2. Proton Beam Therapy
  3. Cyber Knife Treatment
  4. Stem Cell Therapy 
  5. Targeted and Immunotherapy 
  6. Artificial Organs & Implants
ICU Charges

Health Pulse Classic

Information Unavailable

VS

Supreme Enhance Two

No restriction on ICU room rent

Co-payment

Health Pulse Classic

A 20% co-payment applies for treatments in Zone 2. Additionally, policyholders can opt for a 10% or 20% co-payment, which does not reduce the sum insured.

VS

Supreme Enhance Two

Only applicable for people above the age of 61.

Disease-wise sublimits

Health Pulse Classic

Information Unavailable

VS

Supreme Enhance Two

No

Waiting Period

Health Pulse Classic

  1. Initial Waiting Period: A 30-day waiting period applies from the policy's inception, during which claims are not admissible, except for those arising from accidents. 
     
  2. Pre-existing Disease Waiting Period: For the Silver plan, pre-existing diseases are covered after 48 months of continuous coverage. For Gold and Platinum plans, this period is reduced to 24 months.
     
  3. Specific Disease/Procedure Waiting Period: For individuals above 45 years of age, certain listed illnesses and procedures are covered after a 24-month waiting period from the policy's inception. 
VS

Supreme Enhance Two

Information Unavailable

Cashless Healthcare Providers

Health Pulse Classic

10675+ network hospitals in India.

VS

Supreme Enhance Two

24800+ network hospitals across India.

Restoration Benefit

Health Pulse Classic

Information Unavailable

VS

Supreme Enhance Two

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

Daycare Treatment

Health Pulse Classic

Covered by the policy.

VS

Supreme Enhance Two

Covered under the policy

Cumulative Bonus

Health Pulse Classic

Information Unavailable

VS

Supreme Enhance Two

Your sum insured increases by 10% every year, maximum up to 100%

AYUSH Treatment

Health Pulse Classic

Covered by the policy.

VS

Supreme Enhance Two

AYUSH treatment covered under this policy

Consumable Cover

Health Pulse Classic

Information Unavailable

VS

Supreme Enhance Two

Yes

Initial Waiting Period

Health Pulse Classic

Information Unavailable

VS

Supreme Enhance Two

30 days

Specific Waiting Period

Health Pulse Classic

Information Unavailable

VS

Supreme Enhance Two

2 years

PED Waiting Period

Health Pulse Classic

Information Unavailable

VS

Supreme Enhance Two

3 years

Modern Treatment

Health Pulse Classic

Information Unavailable

VS

Supreme Enhance Two

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Annual Health Checkup

Health Pulse Classic

Information Unavailable

VS

Supreme Enhance Two

Health check-up is available once every policy year, from day 1 of the policy

Pre-Hospitalisation

Health Pulse Classic

Information Unavailable

VS

Supreme Enhance Two

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

Post-Hospitalisation

Health Pulse Classic

Information Unavailable

VS

Supreme Enhance Two

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)

Health Pulse Classic

Information Unavailable

VS

Supreme Enhance Two

OPD expense is not included

Deductible Option

Health Pulse Classic

Information Unavailable

VS

Supreme Enhance Two

Available

Coverage Options

Health Pulse Classic

Information Unavailable

VS

Supreme Enhance Two

Available coverage options: 20L to 1cr

Claim Settlement Ratio

Health Pulse Classic

Information Unavailable

VS

Supreme Enhance Two

96%

Maternity Cover

Health Pulse Classic

Information Unavailable

VS

Supreme Enhance Two

Not available

Insurance Plans Comparison

Still Confused? Get Expert Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Why Choose Our Expert Consultation?

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Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

Expert-Led Policy Review

  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

Smart, Tech-Enabled Experience

  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

Having questions? We've got answers. Explore our FAQs to find the information you need.

1-5 of 10 FAQs

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