
Health Plus Health Insurance Plan
Niva Bupa Health Insurance
6.8/10
OneAssure Rating
6.8/10
OneAssure Rating
Highlighted Features

Advanced Treatments
The Niva Bupa Health Pulse Classic covers advanced diagnostic technologies and innovative therapies across medical specialties.

Co-payment
The plan includes a 20% co-payment for treatments in Delhi NCR, Mumbai, Kolkata, and Gujarat, with the insurer covering the remaining 80%. The Enhanced plan has no co-payment requirement.
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Our Verdict
The Niva Bupa Health Pulse Classic Plan offers extensive coverage with no room rent limit, wellness benefits, and flexible add-ons like critical illness and personal accident cover. Ideal for individuals and families seeking comprehensive, affordable protection.
About the Plan
Niva Bupa Health Pulse Classic is a comprehensive health insurance plan designed to offer financial protection against medical expenses. It covers hospitalization costs, pre- and post-hospitalization expenses, daycare treatments, and ambulance services. The plan includes cashless treatment at network hospitals, ensuring hassle-free claims. It also offers benefits like alternative treatments, annual health check-ups, and the option to enhance coverage with add-ons. With flexible sum insured options and no capping on room rent, it provides affordable yet extensive healthcare coverage for individuals and families.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
Normal: single A/C private room
ICU: no limit, expenses incurred would be covered by the policy.
Advanced Treatments
Including robotic surgeries, stem cell therapy (for specific conditions), and modern procedures like laser treatments and bariatric surgery.
Co-payment
A 20% co-payment applies for treatments in Zone 2. Additionally, policyholders can opt for a 10% or 20% co-payment, which does not reduce the sum insured.
Waiting Periods
Initial Waiting Period: A 30-day waiting period applies from the policy's inception, during which claims are not admissible, except for those arising from accidents.
Pre-existing Disease Waiting Period: For the Silver plan, pre-existing diseases are covered after 48 months of continuous coverage. For Gold and Platinum plans, this period is reduced to 24 months.
Specific Disease/Procedure Waiting Period: For individuals above 45 years of age, certain listed illnesses and procedures are covered after a 24-month waiting period from the policy's inception.
Cashless Healthcare Providers
10675+ network hospitals in India.
Day Care Treatments
Covered by the policy.
AYUSH Treatment
Covered by the policy.
Exclusions
Pre-existing diseases and related complications are excluded until the expiry of the specified waiting period.
Cosmetic or plastic surgery is not covered unless required due to an accident, burns, or cancer.
Dental and oral treatments are excluded unless necessitated due to an accident.
Maternity expenses, including childbirth and miscarriage, are not covered except for ectopic pregnancy.
Treatment related to alcoholism, drug, or substance abuse is excluded.
Exclusions
Personal Accident Cover - Provides financial protection in case of accidental death or disability, offering a lump sum payout up to five times the base sum insured, with a maximum limit of ₹50 lakh.
Critical Illness Cover - Offers a lump sum benefit upon diagnosis of specified critical illnesses, such as cancer or heart attack, equal to the base sum insured, up to ₹10 lakh.
Enhanced No Claim Bonus - Increases your sum insured by 20% for each claim-free year, up to a maximum of 200% of the base sum insured, without reduction in case of a claim.
Enhanced Refill Benefit - Restores up to 150% of the base sum insured if the existing coverage is exhausted during a policy year, applicable for subsequent claims of unrelated illnesses.
Hospital Cash - Provides a daily cash allowance during hospitalization to cover incidental expenses, with amounts of ₹1,000 per day for base sum insured up to ₹5 lakh, and ₹2,000 per day for higher sums.
Add-ons
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About the Company
Niva Bupa Health Insurance, formerly known as Max Bupa Health Insurance, is a prominent health insurance provider in India. It is a joint venture between Bupa, a UK-based healthcare services expert, and True North, an Indian private equity firm. The company offers a diverse range of health insurance plans tailored to meet the varying needs of individuals and families. Their policies are designed to provide comprehensive coverage, ensuring financial protection against unforeseen medical expenses.
One of their notable offerings is the ReAssure 2.0 Health Insurance Policy, which covers a wide array of medical expenses, including hospitalization, surgeries, doctor consultations, and post-hospitalization care. With a network of over 10,000 trusted healthcare providers across India, Niva Bupa ensures that policyholders have access to quality medical care when needed. Their commitment to customer satisfaction is evident through streamlined claim processes and wellness benefits, aiming to deliver peace of mind and financial security during medical emergencies.
In June 2024, Niva Bupa announced plans to raise $360 million through an initial public offering (IPO), potentially valuing the company at up to $2.5 billion.
This move underscores their growth trajectory and commitment to expanding their services in the Indian health insurance market.
Krishnan Ramachandran serves as the Managing Director and CEO of Niva Bupa Health Insurance Company Limited. With over 24 years of experience in the health insurance, healthcare, and life sciences industries, Mr. Ramachandran has previously held leadership positions at Apollo Munich Health Insurance Company Limited and Apollo DKV Insurance Company Ltd.