Health Pulse Enhanced
Niva Bupa
6.9/10
OneAssure Rating
6.9/10
OneAssure Rating
Highlighted Features
Unlimited Room Rent
No limit on room rent for both normal and ICU stays, allowing policyholders to choose any hospital room without financial constraints, ensuring comfort and flexibility during hospitalization.
No Co-payment Required
The policy ensures zero co-payment, meaning policyholders do not have to bear any percentage of the treatment cost, reducing financial stress and making healthcare more accessible and affordable.
Brochure
Policy Wording
Explore more features
Our 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 the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
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.
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
Treatment for obesity or weight control procedures
Injuries or illnesses due to war, terrorism, or nuclear hazards
Exclusions
Related Variants
Looking for a Specific Hospital ?
Why OneAssure?
We help you maximize your coverage over time for stronger protection.
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 strong financial performance and market confidence.
About the Company
Still Confused ?
Frequently Asked Questions
Related Blogs
Family Floater Plans: A Quick Overview
How Does Life Insurance Work? Everything You Need to Know Before Buying
Discover how life insurance works in India, including key terms, premium payments, and what happens on claim settlement.
What Is Insurable Interest in Life Insurance and Why Is It Important?
Learn what insurable interest is in life insurance, why it is important, and look at examples of insurable interest. See how it impacts the policies and claims.
Insurance in 2026: Great for Your Wallet, But What’s Still Missing?
The Union Budget 2026 was just presented by the Finance Minister, and for the first time in years, the "boring" world of insurance has some of the most exciting updates for young earners.
Term Insurance Medical Test Fail: Common Mistakes You Should Avoid
What Happens If You Fail a Term Insurance Medical Test? Understanding the Reasons, Next Steps, and How to Improve Your Eligibility
ICICI Elevate vs Care Supreme: Which Health Plan Offers Better Coverage in 2025?
Explore ICICI Elevate vs Care Supreme to find the best health insurance in 2025.
Understanding the Critical Illness List in Insurance Policies
Explore the critical illness list in insurance, key coverage details, and how it helps safeguard your finances against major health risks.
Understanding Mahatma Jyotiba Phule Jan Arogya Yojana: A Comprehensive Guide
Mahatma Jyotiba Phule Jan Arogya Yojana: Eligibility, Enrollment Process & Key Healthcare Benefits
Top Senior Citizen Health Insurance Schemes by Government of India
Explore government-backed senior citizen health insurance schemes in India, offering cashless hospitalization, financial security, and comprehensive medical coverage.
How to Surrender Your HDFC Life Policy Online and Claim Your Surrender Value?
Learn how to surrender HDFC Life policy online and claim your surrender value in India.
Benefits of Having a Death Insurance Policy
Explore the potential benefits of opting for a death insurance policy in India in 2025.
Factors to consider when buying critical illness insurance
Explore the importance of critical illness insurance, how it works, what it covers, and key factors to consider before buying a policy for financial protection.
Pre-Existing Disease in Health Insurance: All You Need to Know Before Buying
.png)
Tips To Choose The Best Health Insurance Plan
Making Health Insurance Affordable: Is EMI Really the Best Way?
In India, we’ve mastered the art of the EMI. From the latest iPhone to that fancy fridge, if it has a price tag, it probably has an "Easy Monthly Installment" plan. So, it was only a matter of time before the insurance world caught up.
How India’s Budget 2026 Could Shape the Future of Insurance - A Young Earner’s Guide.
Let’s break down what the latest Union Budget means for you - not just as a citizen, but as someone earning, planning finances, and thinking seriously about securing your future with insurance.
