How does the waiting period affect my coverage?

The plan includes a general waiting period of 30 days from the policy start date, during which no claims are covered except for accidental injuries. Pre-existing conditions are covered after 48 months, and certain specified illnesses may have a waiting period of up to 24 months.

What happens if I don’t use my health insurance benefits for the entire year?

If no claims are made during the policy year, you may receive a No Claim Bonus (NCB), which increases your sum insured by a fixed percentage for each claim-free year, up to a certain limit.

Does the Niva Bupa Health Plus Classic plan cover treatment abroad?

The plan primarily provides coverage within India and does not include international treatment under the standard policy. However, optional add-ons may offer limited coverage for medical emergencies abroad.

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Health Insurance

Niva Bupa

Health Pulse Classic

Niva Bupa Health Pulse Classic

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

6.8

Customer Rating

Brochure

Get a Quote

92.02%

Claim Settlement Ratio

10000+

Network Hospitals

6.8

Customer Rating

Brochure

Our Verdict

Expert Review: Niva Bupa Health Insurance

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Final 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

About Niva Bupa Health Insurance

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.

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...

Inclusions and Exclusions

Inclusions and Exclusions of Niva Bupa Insurance Company Limited

Room Rent

 Normal: single A/C private roomICU: 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 Period

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.

Daycare Treatment

Covered by the policy.

AYUSH Treatment

Covered by the policy.

Room Rent

 Normal: single A/C private roomICU: 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.

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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.

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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 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...

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...