Niva Bupa Health Pulse Individual & Family Floater

Key Features of Niva Bupa Health Pulse Individual & Family Floater Insurance

• Room Rent : : Covered upto Sum Insured (except for suite/high room category)
• Co-pay : NIL co-pay for all inpatients, 20% for treatment in certain Metro cities
• Restoration (Refil) Benefit :Upto 100% of Base Sum Insured per year
• Pre & Post Hospitalisation : Expenses covered up to Sum Insured.
• Refill Benefit : Sum Insured reinstates (up to 100% or 150% of base sum insured) if subsequent claim is made of a different illness/injury during the same policy year.
• Boost Your Plan : Flexibility to boost health cover with optional benefits such as personal accident, critical illness, e-consultation etc.
• No Claim Bonus : Every claim free year adds up 10% or 20%# of base sum insured as bonus. Maximum up to 100% or 200% of base sum insured respectively.
• Annual Health Check-up : Available from second policy year onwards.
• Hassle-free Claims : 30 minutes cashless claim processing and in-house claim settlement.

Eligibility of Niva Bupa Health Pulse Individual & Family Floater Insurance

• The entry age for adults under this policy can be from 18 to 65 years. The entry age for dependent children is from 91 days to 25 years.
• The policy can be taken individually or for the family. The family floater policy is available in any of the following combinations:
  • 1 Adult
  • 1 Adult + 1 Child
  • 1 Adult + 2 Children
  • 1 Adult + 3 Children
  • 1 Adult + 4 Children
  • 2 Adults
  • 2 Adults + 1 Child
  • 2 Adults + 2 Children
  • 2 Adults + 3 Children
  • 2 Adults + 4 Children

Coverages under Health Pulse

Exclusions of Niva Bupa Health Pulse Insurance

• 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