Niva Bupa Health Pulse Insurance Plan UIN NBHHLIP22155V032122

The insured person's hospitalization expenses gets covered under the Health Pulse plan on being hospitalized for more than 24 hours. Niva Bupa Health Pulse plan offers cashless facility as well as reimbursement facility for claims done under in-patient hospitalization.

Niva Bupa Health Pulse Plan covers the expenses incurred by the insured person for 30 days prior to being hospitalized for the same health issue for which he/she was admitted. Along with pre-hospitalization, the expenses incurred after 60 days of discharge from hospitalization are taken care of through this plan.

With every claim free year, the policyholder receives a bonus of 20% on the sum insured without any additional premiums being paid.

Example

In the Niva Bupa Health Pulse plan, the medical expenses that are incurred on the part of the organ donor along with the insured person during the process of transplant are also covered.

All the treatments done at home on account of unavailability of hospital beds or on doctors' prescription shall be covered up to the sum insured. The expenses will be covered under the reimbursement claim process.

Hospital accomodation are the facilities that are usually provided by the hospitals or medical facility center. Your daily meals, refreshments come under the head of hospital accommodation. You are entitled to get coverage up to the sum insured for the room rent.

You can avail free health checkup facilities from the second year of the policy year. The policyholder is entitled to get an annual health checkup against the policy drawn.

Niva Bupa Health Pulse Plan provides cover up to the sum insured amount with a sub-limit of Rs.1 Lakh on a few robotic treatments.

In the Niva Bupa Health Pulse plan, one can pay an additional premium amount and avail of personal accidental cover. Here the cover is equal to 5 times of the base sum insured, maximum upto Rs. 50 lakhs.

You can add a critical illness cover to your Health Pulse plan by paying an additional premium. In case a critical illness is diagnosed during the policy term, a lump sum amount will be released to the policyholder.

In case the insured has exhausted the base sum insured under the health pulse plan, partially or completely, then an additional sum insured equal to the cover amount for an upcoming claim in the same year is automatically added without any extra charge. The refill benefit can be availed for treatment of any different illnesses in the same policy year but for subsequent hospitalization. The Niva Bupa Health Pulse plan offers a refill benefit of up to 100% of the cover amount.

Example 
Mr. Karan has purchased a Niva Bupa Health Pulse plan with a cover amount of Rs. 10 lakhs and has been renewing the policy over a period of 4 years. Due to an unfortunate incident, Mr. Karan gets admitted and the total bill amount is Rs. 8 lakhs. In this scenario, the refill benefit will be triggered up to the cover amount i.e. Rs.10 lakhs.

So, if in the same year Mr. Karan is admitted for a different ailment and the bill amount is Rs. 5 lakhs then Rs.2 lakhs will be used from the existing cover amount and the remaining Rs. 3 lakhs will be covered from the refill benefit of Niva Bupa Health Pulse Plan. This benefit can be availed for subsequent claims in the same year for different ailments.

In the Classic variant of the Health Pulse plan, there is a 20% co-payment clause for treatments in Delhi NCR, Mumbai, Kolkata, and Gujarat. However, there is no co-payment clause in the Enhanced variant.

The insured person's hospitalization expenses gets covered under the Health Pulse plan on being hospitalized for more than 24 hours. Niva Bupa Health Pulse plan offers cashless facility as well as reimbursement facility for claims done under in-patient hospitalization.

Niva Bupa Health Pulse Plan covers the expenses incurred by the insured person for 30 days prior to being hospitalized for the same health issue for which he/she was admitted. Along with pre-hospitalization, the expenses incurred after 60 days of discharge from hospitalization are taken care of through this plan.

With every claim free year, the policyholder receives a bonus of 20% on the sum insured without any additional premiums being paid.

Example

Expenses arising from Day Care treatments such as treatment related to cardiology, ENT related, gastroenterology related, regular surgery related, gynecology related and a few more. The Niva Bupa Health Pulse plan covers almost 500+ day care treatments. Know more about Day Care Treatment in Health Insurance plans.

The policyholder can renew the Niva Bupa Health Pulse plan for a lifetime without any age limit to renew the plan.

Expenses related to alternative treatments such as Ayurvedic, Unani, Siddha and Homeopathy are covered up to the sum insured. The claims of alternative treatments are considered in case of In-patient hospitalization.

Now you can get Refill benefit up to 150% on the base sum insured amount by availing this additional benefit in Niva Bupa Health Pulse plan. This benefit comes with an additional premium over the base sum insured premium. The refill sum insured can be claimed for different illnesses only.

You can avail unlimited tele/ online doctor consultations by availing this additional benefit in the Health Pulse health plan. To avail this benefit, you have to pay an additional premium.