Niva Bupa Health Insurance

Health Plus Health Insurance Plan

Niva Bupa Health Insurance

6.8/10

OneAssure Rating

85.18%
Claim Settlement Ratio
10,000
Network Hospitals

Highlighted Features

Advanced Treatments

Advanced Treatments

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

Co-payment

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.

Brochure

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

Product Stats

Rating

Coverage
Claim Settlement
Hospital Network
Co-Payment
Waiting Periods
No Claim Bonus

Features of the Product

01

Room Rent (Normal & ICU)

  1.  Normal: single A/C private room

  2. ICU: no limit, expenses incurred would be covered by the policy.

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02

Advanced Treatments

  1. Including robotic surgeries, stem cell therapy (for specific conditions), and modern procedures like laser treatments and bariatric surgery.

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03

Co-payment

  1. 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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04

Waiting Periods

  1. 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. 
     

  2. 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.
     

  3. 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. 

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05

Cashless Healthcare Providers

  1. 10675+ network hospitals in India.

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06

Day Care Treatments

  1. Covered by the policy.

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07

AYUSH Treatment

  1. Covered by the policy.

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Exclusions

Add-ons

Looking for a Specific Hospital ?

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About the Company

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