How does the waiting period affect my coverage?

The policy has a 30-day initial wait, 24 months for specific conditions, and 48 months for pre-existing diseases.

What happens if I don’t use my health insurance benefits for the entire year?

A no-claim bonus increases the sum insured yearly without extra premium, rewarding claim-free years.

Will my health insurance cover treatment abroad?

The policy covers treatment only in India, offering cashless facilities at network hospitals nationwide.

OneAssure

Health Insurance

Niva Bupa

Health Pulse Enhanced

Experience India's most trusted health insurance with Niva Bupa Health Insurance. Get instant cashless treatment at 10000 network hospitals with sum insured up to ₹50 lakhs.

92.02

Claim Settlement Ratio

10000

Network Hospitals

6.9

Customer Rating

Get a Quote

92.02

Claim Settlement Ratio

10000

Network Hospitals

6.9

Customer Rating

Our Verdict

Expert Review: Niva Bupa Health Insurance

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Final Verdict

Health Pulse Enhanced is ideal for individuals and families seeking high coverage with no room rent limits, sum restoration, and OPD benefits. However, premiums may be higher, especially with maternity add-ons.

About

About Niva Bupa Health Insurance

The Niva Bupa Health Pulse Enhanced Plan offers comprehensive coverage from ₹3 lakh to ₹1 crore for individuals and families. It features no co-payment, no disease-wise sub-limits, and no room rent restrictions. The Enhanced Re-fill Benefit reinstates up to 150% of the sum insured, while the No Claim Bonus increases coverage by 10% per claim-free year (up to 100%). It covers domiciliary hospitalization, pre/post-hospitalization, AYUSH treatments, and includes annual health check-ups, unlimited e-consultations, and optional add-ons for enhanced protection.

The Niva Bupa Health Pulse Enhanced Plan offers comprehensive coverage from ₹3 lakh to ₹1 crore for individuals and families. It features no co-payment, no disease-wise sub-limits, and no room rent restrictions. The Enhanced Re-fill Benefit reinstates up to 150% of the sum insured, while the No Claim Bonus increases coverage by 10% per claim-free year (up to 100%). It covers domiciliary hospitalization, pre/post-hospitalization, AYUSH treatments, and includes annual health check-ups, unlimited e-consultations, and optional...

Inclusions and Exclusions

Inclusions and Exclusions of Niva Bupa Insurance Company Limited

Room Rent

Normal: No Limit
ICU: No Limit

Advanced Treatments

Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Deep Brain stimulation
Oral chemotherapy
Immunotherapy- Monoclonal Antibody to be given as injection
Intra vitreal injections g. Robotic surgeries
Stereotactic radio surgeries
Bronchial Thermoplasty
Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.

Co-payment

No mandatory co-payment

Waiting Period

Initial Waiting period- 30 Days
Specific Diseases - 24 Months
Pre-Existing Diseases - 48 Months

Cashless Healthcare Providers

10,000+ Healthcare Providers

Daycare Treatment

Requiring hospitalization for less than 24 hours are included in the policy coverage, up to the sum insured.

AYUSH Treatment

Covers treatments under Ayurveda, Unani, Siddha, and Homeopathy systems.

Room Rent

Normal: No Limit
ICU: No Limit

Advanced Treatments

Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Deep Brain stimulation
Oral chemotherapy
Immunotherapy- Monoclonal Antibody to be given as injection
Intra vitreal injections g. Robotic surgeries
Stereotactic radio surgeries
Bronchial Thermoplasty
Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.

Co-payment

No mandatory co-payment

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Exclusions

Treatment for self-inflicted injuries and suicide attempts
Injuries due to participation in hazardous sports or activities
Treatment for alcohol or drug abuse-related conditions
Cosmetic or plastic surgery unless medically necessary
Infertility and fertility-related treatments
Treatment for congenital diseases or birth defects
Non-prescribed vitamins, supplements, and health tonics
Experimental or unproven medical treatments

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About the company

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...

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...