Niva Bupa Health Pulse Enhanced Health Insurance Plan

Niva Bupa Health Pulse Enhanced Health Insurance Plan


With a vision to become Indias most admired Health Insurance Company, Max Bupa Health Insurance Company Ltd came into being in 2010. It is a joint venture between True North, a leading Indian private equity firm, and the UK’s 70-year-old healthcare services expert, Bupa. While on the one hand, Bupa brings its vast and varied experience, on the other hand, True North adds the insights and understanding of the Indian healthcare market and its capability of transforming business. Together, they strive to make Niva Bupa one of the best medical insurance companies in the country

Highlights For


Bupa Health Pulse Enhanced

Re-fill Benefits

Modern Treatments

In Patient Treatment


product highlights for Niva Bupa Health Pulse Enhanced



Pre-Hospitalisation : 30 days

The amount of expenses incurred during this period prior to hospitalisation such as diagnostic tests, doctor fees, medicines, etc. for investigiation purpose are also payable by the insurer

Post Hospitalisation : 60 days

The amount of expenses incurred during this period after discharge from hospitalisation for the purpose of recovery such as follow-up tests, doctor fees, medicines, etc. are also payable by the insurer

Pre existing Disease cover : 48 months

Coverage for all Pre-Existing Diseases covered after a certain specified waiting period with continuous renewal.

Waiting Period- Initial : 30 days

No claims are accepted within this period except due to accidents/ injury.

Waiting Period- Specific : 2 years

Listed specific illness

Waiting Period- PED : 48 months

No pre-existing ailment related claims are accepted within this period.

Room Rent : Up to 1% of Base Sum insured <4L Single private room>4L

Room rent for in-patient hospitalisation

ICU Charges : Up to 2% of Sum Insured per day if SI < 4L Covered up to Sum Insured if SI > 4L

Charges for ICU hospitalisation

Co pay : No

% of the claim that the policyholder needs to pay out-of-pocket

Restore Benefit/ Recharge/ Refill : Up to 100% of Base Sum Insured

If the sum insured is exhausted due to hospitalisation expenses of one or more members, there is an automatic restoration of the sum insured for related or unrelated ailments.

Health Check up : Annual, from 2nd policy year onwards

Free annual health check-up for all insured members according to the list of tests specfied in the policy document.

No Claim Bonus : Increase of 10% of expiring Base Sum Insured in a Policy Year; maximum up to 100% of Base Sum Insured

% of the sum insured that rises every claim free year.

Video/telephone consultation : Unlimited e-consultation within network.

E-consultation with expert doctors empanelled with the insurer for a second opinion.

Domiciliary hospitalization : Upto Sum Insured

Home care treatment where there are no beds in the hospital or paitient is not in a condition to be moved to the hospital, This treatment is provided under the supervision of a registered medical practitioner.

Ambulance : Up to 1,500 per hospitalisation<5L Up to 2,000 per hospitalisation>5L

Transportation of the patient to the hospital and back home

Convalescence benefit : For Base Sum Insured of 5 Lac and below: Rs. 1,000 per day; For Base Sum Insured greater than 5 Lac: Rs. 2,000 per day

A specific fixed amount of money paid as a recovery benefit for extended hospitalisation.

Organ Donor : Upto Sum Insured

The costs for a surgical procedure of removal or damaged organ from the patient's body which could otherwise be fatal.

Bariatric cover : No

Expenses related to obesity-related conditions such as high BP, sleep apnea, arthiritis asthma, etc.

Daycare : Upto Sum Insured

Covers in-patient hospitalisation expenses where the stay is <24 hours under a specified list of treatments

AYUSH : Upto Sum Insured

Alternative treatment coverage such as ayurvedic, unani, sidha and homeopathy which leads to hospitalisation.

Congenital Coverage : No

Covers medical expenses related to diagnosis and treatment of heriditary and internal congenital ailments/ conditions/ traits that exist from birth.

Modern Treatments : Covered up to Sum Insured with sub-limit of Rs. 1Lac on few robotic surgeries

All advanced treatment with upgrade in technology.

Health Management/ Wellness : No

Benefits provided for staying fit and managing health

Maternity Benefit : No

All expenses related to childbirth or legal medical termination of pregnancy, usually upto a specified limit.