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.

How does the "Enhanced Re-fill Benefit" react if my base sum insured is exhausted during a policy year?

The policy incorporates an advanced restoration feature that automatically reinstates up to 150% of your original sum insured within a single policy year, activating seamlessly to provide a substantial financial safety net for subsequent medical claims.

How does the no claim bonus benefit reward policyholders who complete claim-free coverage periods?

The plan rewards policyholders by increasing the base sum insured by 10% at the end of every claim-free year, compounding continuously across consecutive renewal terms up to a maximum loyalty cap of 100% of the original insurance amount.

Under what parameters does the policy provide day-to-day out-of-hospital medical consultation coverage?

The policy incorporates a proactive wellness advantage by providing insured individuals with unlimited digital e-consultations alongside an annual health check-up, allowing you to access routine medical guidance without incurring out-of-pocket consultation costs.

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

Policy Brochure

Policy Policy Wording

Get a Quote

92.02

Claim Settlement Ratio

10000

Network Hospitals

6.9

Customer Rating

Policy Brochure

Policy Policy Wording

Our Verdict

Expert Review: Niva Bupa Health Insurance

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...

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

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

Cashless Healthcare Providers

10,000+ Healthcare Providers

Waiting Period

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

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

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

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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...

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...