What is the difference between Health Pulse Classic and Enhanced?

Both plans have similar listed benefits. Classic has a 20% co-payment for treatment in Delhi NCR, Mumbai including Navi Mumbai and Thane, Kolkata and Gujarat. Enhanced does not have this co-payment. Refer to the applicable policy documents for the full differences.

What are the entry ages?

Adults can enter from 18 to 65 years, while dependent children can be covered from 91 days to 25 years, subject to policy terms. A child must move to a separate policy on completing 26 years.

What are Loyalty Additions?

At each policy anniversary, 10% of the previous year's Base Sum Insured is added, up to 100% of the Base Sum Insured. Optional Enhanced Loyalty Additions provide 20% per claim-free policy year, up to 200%.

Is there a room rent limit?

For a Sum Insured of ₹3 Lakh or ₹4 Lakh, room rent is limited to 1% of the Base Sum Insured per day or a single private room, whichever is lower. For a Sum Insured of ₹5 Lakh and above, a single private room is covered.

What is the PED waiting period?

Pre-existing diseases declared and accepted at proposal are covered after 36 months of continuous coverage, subject to policy terms.

Are there other waiting periods?

Yes. There is a 30-day initial waiting period for illnesses, a 24-month waiting period for 15 listed condition groups and a personal waiting period of 48 months for conditions specified in the policy schedule. The HIV/AIDS waiting period differs between documents: the policy wording and prospectus state 36 months, while the Customer Information Sheet states 48 months. Confirm the applicable period with Niva Bupa.

When does the 20% co-payment apply?

The 20% co-payment applies when treatment is taken in Delhi NCR, Mumbai including Navi Mumbai and Thane, Kolkata or Gujarat. The compiled documentation states that it does not apply to ambulance, health check-up, Personal Accident, Critical Illness, e-Consultation or Hospital Cash claims, subject to policy terms.

Are pre- and post-hospitalisation claims cashless?

No. Pre-hospitalisation expenses for up to 30 days and post-hospitalisation expenses for up to 60 days are paid on a reimbursement basis, subject to policy terms.

Is maternity covered?

No. Maternity expenses are excluded under Health Pulse Classic.

Can I add Critical Illness or Personal Accident cover?

Yes. Optional Critical Illness cover equal to the Base Sum Insured, up to ₹10 Lakh, and Personal Accident cover of 5 times the Base Sum Insured, up to ₹50 Lakh, are listed as available at an additional premium. Eligibility and conditions apply.

OneAssure

Health Insurance

Niva Bupa

Health Pulse Classic

Niva Bupa Health Pulse Classic

Refill up to 100% of the sum insured once for a different illness, add a 10% no-claim bonus each claim-free year up to 100%, and pay a 20% co-pay for treatment in Delhi NCR, Mumbai, Kolkata and Gujarat.

92.02%

Claim Settlement Ratio

10,000+

Network Hospitals

6.5/10

Plan Rating

Policy Brochure

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Our Verdict

Expert Review: Niva Bupa Health Pulse Classic

Final Verdict

The Niva Bupa Health Pulse Classic Plan offers extensive coverage with no room rent limit, wellness benefits, and flexible add-ons like critical illness and personal accident cover. Ideal for individuals and families seeking comprehensive, affordable protection.

About

What Is Health Pulse Classic?

Niva Bupa Health Pulse Classic is a comprehensive health insurance plan designed to offer financial protection against medical expenses. It covers hospitalization costs, pre- and post-hospitalization expenses, daycare treatments, and ambulance services. The plan includes cashless treatment at network hospitals, ensuring hassle-free claims. It also offers benefits like alternative treatments, annual health check-ups, and the option to enhance coverage with add-ons. With flexible sum insured options and no capping on room rent, it provides affordable yet extensive healthcare coverage for individuals and families.

Classic Ratings

Classic

Insurer Rating

7.1

out of 10

Insurance Rating

6.5

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

Yes

Unlimited Restoration

No

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Niva Bupa Health Pulse Classic Inclusions and Exclusions

Room Rent

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

Advanced Treatments

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

Co-payment

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.

Cashless Healthcare Providers

10675+ network hospitals in India.

Waiting Period

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.
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.
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.

Daycare Treatment

Covered by the policy.

AYUSH Treatment

Covered by the policy.

Exclusions

Pre-existing diseases and related complications are excluded until the expiry of the specified waiting period.
Cosmetic or plastic surgery is not covered unless required due to an accident, burns, or cancer.
Dental and oral treatments are excluded unless necessitated due to an accident.
Maternity expenses, including childbirth and miscarriage, are not covered except for ectopic pregnancy.
Treatment related to alcoholism, drug, or substance abuse is excluded.

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About the company

About Niva Bupa

Niva Bupa Health Insurance Company Ltd. (formerly Max Bupa) is a standalone health insurer in India, formed through a joint venture between the UK-based Bupa Group and Indian private equity firm True North. Established in 2008, the company offers a comprehensive range of health insurance products for individuals, families, and senior citizens, designed to make quality healthcare more accessible and affordable.The company operates with a nationwide network of over 10,000 hospitals and provides coverage across hospitalization, surgeries, consultations, and post-hospital care. Under the leadership of Managing Director and CEO Krishnan Ramachandran, Niva Bupa has expanded its presence and strengthened its digital and service capabilities to enhance the customer experience. Listed on both the BSE and NSE after its November 2024 IPO, Niva Bupa reflects strong financial performance and market confidence.

FAQs

Frequently Asked Questions

Got questions about health insurance? You're not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.