Health Pulse Enhanced Plan
Niva Bupa Health Insurance
6.9/10
OneAssure Rating
6.9/10
OneAssure Rating
Highlighted Features
Unlimited Room Rent
No limit on room rent for both normal and ICU stays, allowing policyholders to choose any hospital room without financial constraints, ensuring comfort and flexibility during hospitalization.
No Co-payment Required
The policy ensures zero co-payment, meaning policyholders do not have to bear any percentage of the treatment cost, reducing financial stress and making healthcare more accessible and affordable.
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Policy Wording
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Our Verdict
Health Pulse Enhanced is ideal for individuals and families seeking high coverage with no room rent limits, sum restoration, and OPD benefits. However, premiums may be higher, especially with maternity add-ons.
About the Plan
The Niva Bupa Health Pulse Enhanced Plan offers comprehensive coverage from ₹3 lakh to ₹1 crore for individuals and families. It features no co-payment, no disease-wise sub-limits, and no room rent restrictions. The Enhanced Re-fill Benefit reinstates up to 150% of the sum insured, while the No Claim Bonus increases coverage by 10% per claim-free year (up to 100%). It covers domiciliary hospitalization, pre/post-hospitalization, AYUSH treatments, and includes annual health check-ups, unlimited e-consultations, and optional add-ons for enhanced protection.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
Normal: No Limit
ICU: No Limit
Advanced Treatments
Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Deep Brain stimulation
Oral chemotherapy
Immunotherapy- Monoclonal Antibody to be given as injection
Intra vitreal injections g. Robotic surgeries
Stereotactic radio surgeries
Bronchial Thermoplasty
Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.
Co-payment
No mandatory co-payment
Waiting Periods
Initial Waiting period- 30 Days
Specific Diseases - 24 Months
Pre-Existing Diseases - 48 Months
Cashless Healthcare Providers
10,000+ Healthcare Providers
Day Care Treatments
Requiring hospitalization for less than 24 hours are included in the policy coverage, up to the sum insured.
AYUSH Treatment
Covers treatments under Ayurveda, Unani, Siddha, and Homeopathy systems.
Exclusions
Treatment for self-inflicted injuries and suicide attempts
Injuries due to participation in hazardous sports or activities
Treatment for alcohol or drug abuse-related conditions
Cosmetic or plastic surgery unless medically necessary
Infertility and fertility-related treatments
Treatment for congenital diseases or birth defects
Non-prescribed vitamins, supplements, and health tonics
Experimental or unproven medical treatments
Treatment for obesity or weight control procedures
Injuries or illnesses due to war, terrorism, or nuclear hazards
Exclusions
Hospital Cash Benefit - Get daily cash allowance during hospitalization to cover additional non-medical expenses.
Enhanced Sum Insured - Increase your sum insured annually for claim-free years, ensuring better coverage.
OPD Consultations Cover - Covers doctor consultations, diagnostics, and pharmacy expenses under outpatient care.
Maternity Benefit Add-on - Provides coverage for maternity expenses, including delivery and newborn care.
Add-ons
Looking for a Specific Hospital ?
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We help you maximize your coverage over time for stronger protection.
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.
About the Company
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