Call NowHealth Pulse
A pocket friendly health insurance
plan that offers you more for less.
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Discounted Premium
What you get
What you get
- ₹ {{getAmountInWords(userInputs.selectedSI)}} $ {{commaForTravelSI(userInputs.selectedSI)}}
- ₹ {{getAmountInWords(userInputs.productType == 'AccidentCare' ? userInputs.personalAccidentSumInsured : userInputs.criticalIllnessSumInsured)}}
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Direct Claim Settlement
Avail painless claim process when there are no third parties involved
No Room Rent Cap
Covered upto single private room for SI ₹ 5 lakhs and above
Refill Benefit
Get your cover restored if you exhaust your sum insured in the policy year
Day Care Treatment
Get coverage for procedures that don't need hospitalisation.
Health Check-up
Annual health check-up from 2nd year onwards
Renewal for life
Once insured with us, you will always remain our customers.
Find out what’s covered in the Health Pulse Plan
Simply search for your queries about Health Pulse insurance plan or check out all the features listed below
Sorry, is not a part of
Although, is available in below product.
Available as an optional add-on
Hospitalisation
IN-PATIENT CARE (HOSPITALISATION)
+ -Get cashless coverage for hospitalisation expenses for all insured members at network hospitals.
HOSPITAL ACCOMMODATION
+ -Get coverage of up to 1% of base sum insured per day for single private room and up to 2% for ICU. This is applicable when sum insured is below ₹ 5 lacs. For 5 lacs and above, it is up to single private room and ICU covered up to SI
PRE & POST HOSPITALISATION MEDICAL EXPENSES
+ -The policy will cover pre and post hospitalisation expenses as well. The period of the treatment covered is 30 days before you get admitted to the hospital and 60 days after you get discharged from the hospital.
HEALTH CHECK-UP
+ -Avail free health check-up for yourself and your spouse annually from the second policy year onward
DOMICILIARY HOSPITALISATION
+ -The policy will reimburse you for the medical treatment taken at home on account of unavailability of a hospital bed or the doctor’s advice
DAY-CARE TREATMENT COVERED
+ -Get coverage for procedures that don't need hospitalisation
EMERGENCY AMBULANCE
+ -Get coverage for the ambulance expenses upto ₹ 1500 for SI below ₹ 5 lakhs and upto Rs 2000 for SI greater than or equal to ₹ 5 lakhs.
ORGAN TRANSPLANT
+ -Avail coverage for medical expenses incurred on the organ donor’s treatment as well
Standout Features
FREE LOOK PERIOD
+ -Get the health pulse policy and you can cancel within 15 days to get a full refund.
ALTERNATIVE TREATMENTS
+ -We cover In-patient treatment under AYUSH (Ayurveda, Unani, Siddha, and Homeopathy) up to SI
TAX BENEFIT
+ -Save taxes on the premiums paid under section 80D of the income tax act
CASHLESS FACILITY
+ -Avail services at our network hospitals without having to pay any cash
DIRECT CLAIM SETTLEMENT
+ -There are no third-party agents involved. Get your claims processed painlessly by our customer service team directly.
RENEWAL FOR LIFE
+ -Get assured renewal of the policy for life with no extra loadings based on your claim history
Add on Features
| Optional Benefits: | |
Personal Accident Cover -Accident Death -Accident Permanent Total Disability (125% of PA cover SI) Accident Permanent Partial Disability |
Personal Accident cover will be equal to 5 times of Base Sum Insured; maximum up to 50 Lac |
| Critical Illness Cover | Critical illness cover will be equal to Base Sum Insured; maximum up to 10 Lac |
| e-Consultation | Unilimited tele/online doctor consultation |
| Hospital Cash | For Base Sum Insured of 5 Lac and below: 1,000 per day; For Base Sum Insured greater than 5 Lac: 2,000 per day |
| Enhanced No Claim Bonus | Increase of 20% of expiring Base Sum Insured in a Policy Year; maximum up to 200% of Base Sum Insured; no increase in sub-limits; no reduction in No Claim Bonus in case of claim |
| Enhance Re-fill Benefits | Re-fill up to 150% of Base Sum Insured |
Exclusions
PERMANENT EXCLUSIONS
+ -•
•Ancillary hospital charges
•Hazardous activities
•Artificial life maintenance
•Circumcision
•AYUSH treatments, except inpatient treatments taken under Ayurveda, Unani, Sidha and Homeopathy
•Conflict & disaster
•External congenital anomaly
•Convalescence & rehabilitation
•Cosmetic and plastic surgery
•Dental/oral treatment
•Eyesight & optical services
•Experimental or unproven treatment
•Hormone Replacement Therapy
•Hospitalisation not justified
•Inconsistent, irrelevant or incidental diagnostic procedures
Non-medical expenses
•Obesity and weight control programs
•Reproductive medicine & other maternity expenses
•Robotic Assisted Surgery, Light Amplification by Stimulated Emission of Radiation (LASER) & Cyber Knife Treatments
•Sexually transmitted infections & diseases
•Sleep disorders
•Substance related and addictive disorders
•Unlawful activity
•Treatment received outside India
•Unrecognized physician or hospital
•Generally excluded expenses - Any costs or expenses specified in the list of expenses generally excluded at Annexure II of the Policy Document.
Why choose Health Pulse?
Doctors Speak
Live well with Niva Bupa
Check out what the doctors and the experts have to say about your health and health insurance
03 February 2020
Niva Bupa Health Insurance
Picking the right health insurance for you
Choosing the right health insurance plan is not easy. Niva Bupa can help you in choosing the right health insurance policy in India based on your requirements.
21 January 2020
Niva Bupa Health Insurance
Everything you need to know about health insurance
It is important to have a comprehensive health insurance. Know all about the types of health insurance, it's benefits & understand how to make the best of your medical insurance policy.
Calculate Medical Expenses
Painless renewals
Assured plan renewal for life
Get 10% added sum insured on each renewal*
Get cashless health check annually
Carry forward 80% unutilized amount for diagnostic tests
Unlock maternity benefits( Optional )
Get 20% more coverage for every claim-free year
HOW CAN I BUY THIS POLICY?
WHAT ARE THE MINIMUM AND MAXIMUM POLICY DURATIONS?
IS THERE ANY TAX BENEFIT THAT ONE CAN AVAIL OF WHILE PURCHASING HEALTH INSURANCE?
IS A MEDICAL CHECK-UP NECESSARY BEFORE BUYING A POLICY?
WHAT IS ANNUAL INSURANCE COVER?
IS COVID-19 COVERED UNDER HEALTH PULSE INDIVIDUAL PLAN ?
There are various ways in which you can purchase this policy:
Online: On purchase of health insurance plan online your policy will be generated almost instantly along with your policy kit and card. This is applicable for cases which do not require further underwriting or medical checkup.
Telephone: If you wish to know more about Niva Bupa’s Health Insurance Plans, please speak to our specially trained sales team or your local advisor. Call us on Phone 1860 500 8888 (Toll Free) between 9 am and 6 pm IST (Monday to Saturday) or click on ‘Click to arrange a call’ to buy the policy over the phone or to fix up an appointment.
Branch: Please visit our branch in your city. The complete list of branch locations is available in the Contact Us section of the website.
The Niva Bupa Promise
Your everyday health partner
Hassle-free claims
Get admitted
Visit us at one of our hospitals
Use your health card
Identify yourself with your NivaBupa health card
Get validated
After validation your request will be sent directly to us
In-house claims Review
No third party involved!
Claim Processing
In as less as 30 minutes!
Get a quote
Tell us a little about yourself and we’ll get you the right quote.
Compare plans
Not sure if it’s the right plan for your family? Compare it with other similar plans.
Download Resources
Health Pulse
Brochure
Download the brochure to understand the health pulse plan better
Health Pulse
Policy Wordings
Find out all you need to know about the plan here
Health Pulse
Claim Form
Download the form to make a hassle-free claim
Health Pulse
Application Form
Download the application form here
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