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Niva Bupa Health Pulse Individual & Family Floater insurance
Niva Bupa Health Pulse Family health insurance plans provide coverage for the entire family within the scope of a single health plan. find quotes, compare & buy Niva Bupa Health Pulse Quotes for Family
Buy Niva Bupa Health Pulse for FamilyThe new Niva Bupa Health Pulse is designed to help safeguard the insured family's health and well being. The plan provides coverage for hospitalization expenses, pre & post hospitalization expenses, day care treatment, organ transplant & alternative treatment like Ayurveda, Unani, Sidhha and Homeopathy among many other benefits. After the first renewal, the insured will be able to avail annual health check-up every year on cashless basis at Niva Bupa's empanelled diagnostic centers.
Buy Health Pulse for Individual Buy Health Pulse for Family3 lac - 300 lacs options available
8.0%
88%
23,330
23,330
1 year options available
8,600+ hospitals
Self, Spouse + 4 dependent children
| Policy Coverages / Base Sum Insured (all figs in ₹INR) | 3,00,000 / 4,00,000 | 5,00,000 / 7,50,000 / 10,00,000 |
|---|---|---|
| In Patient Treatment | Covered Upto Sum Insured | |
| Nursing Charges for Hospitalisation as an inpatient excluding Private Nursing charges | Covered Upto Sum Insured | |
| Medical Practitioner's fees, excluding any charges or fees for Standby Services | Covered Upto Sum Insured | |
| Physiotherapy, investigation and diagnostic procedures directly related to the current admission | Covered Upto Sum Insured | |
| Medicines, drugs and consumables as prescribed by the treating medical practitioner | Covered Upto Sum Insured | |
| Intravenous fluids, blood transfusion, injection administration charges and/or consumables | Covered Upto Sum Insured | |
| Operation Theatre charges | Covered Upto Sum Insured | |
| Cost of prosthetics and other devices or equipment if implanted internally during surgery | Covered Upto Sum Insured | |
| Room Rent (per day) | Up to 1% of Base Sum Insured per day or Single Private Room, whichever is lower | Single Private Room |
| Intensive Care Unit charges | Up to 2% of Sum Insured per day | Covered up to Sum Insured |
| Pre - Hospitalisation Medical Expenses (30 days) | Covered Upto Sum Insured | |
| Post-Hospitalisation Medical Expenses (60 days) | Covered Upto Sum Insured | |
| Day Care Treatment | Covered Upto Sum Insured | |
| Domiciliary Treatment | Covered Upto Sum Insured | |
| Alternative Treatment | Covered Upto Sum Insured | |
| Living Organ Donor Transplant | Covered Upto Sum Insured | |
| Emergency Ambulance | Up to 1,500 per hospitalisation | Up to 2,000 per hospitalisation |
| Pharmacy and Diagnostic Services | Available | |
| No Claim Bonus | Increase of 10% of expiring Base Sum Insured in a Policy Year; maximum up to 100% of Base Sum Insured; no increase in sub-limits; no reduction in No Claim Bonus in case of claim | |
| Re - fill Benefit | Up to 100% of Base Sum Insured | |
| Health Check Up | Annual, from 2nd policy year onwards | |
| Mental Disorders Treatment | Covered up to Sum Insured (sub-limit applicable on few conditions) | |
| HIV/AIDS | Covered up to 10% of Base Sum Insured, subject to maximum of ₹50,000 | |
| Co - Payment | 20% co-payment applicable for treatment in Delhi NCR, Mumbai (including Navi Mumbai and Thane), Kolkata and Gujarat. | |
| Optional Benefits | ||
| Personal Accident cover - Accident Death / Accident Permanent Total Disability (125 % of PA cover SI) / Accident Permanent Partial Disability Optional | Personal Accident cover will be equal to 5 times of Base Sum Insured; maximum up to 50 Lac | |
| Critical Illness Cover | Critical illness cover will be equal to Base Sum Insured; maximum up to 10 Lac | |
| e-Consultation | Unlimited tele / online consultations | |
| Hospital Cash(2) | For Base Sum Insured of 5 Lac and below: 1,000 per day; For Base Sum Insured greater than 5 Lac: 2,000 per day |
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| Enhanced No Claim Bonus | Increase of 20% of expiring Base Sum Insured in a Policy Year; maximum up to 200% of Base Sum Insured; no increase in sub-limits; no reduction in No Claim Bonus in case of claim | |
| Enhanced Re - fill Benefits | Refill Upto 150%of Base Sum Insured | |
| Notes: | (1) Re-Fill benefit - Reinstate up to 100% of Base Sum Insured. Applicable for different illness (2) Hospital Cash - Minimum 48 hrs of continuous hospitalization required. Maximum coverage offered for 30 days/policy year/insured person. Payment made from day one subject to hospitalization claim being admissible (3) Enhanced Re-Fill benefit - Reinstate up to 150% of Base Sum Insured. Applicable for different illness |
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If you exhaust your entire sum insured & cumulative bonus (if any) and still require further hospitalisation for any related or unrelated illness, we will refill the full Sum Insured at no extra cost upto the original Base Sum Insured.
The premium paid on a health insurance policy is eligible for deduction under Section 80D of the Income Tax Act. So save with your policy now!
No, it is not possible to revise the sum insured during the policy period, the same can be carried out at the time of renewal of the policy.
Co-payment is a cost-sharing requirement under a health insurance policy, where the Policy Holder / insured will bear a specified percentage of the admissible costs.
Review Health Pulse Individual & Family Floater brochure to understand coverage details.
Know more »Fill the online Health Pulse Individual & Family Floater proposal form.
Review Health Pulse Individual & Family Floater policy wordings which explains the terms and conditions.
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You can buy insurance online by using a credit/debit card, UPI, direct funds transfer using NEFT or RTGS or by using a cheque.
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