About Niva Bupa Health Pulse Individual Plan
Health insurance policies offer financial protection to the person insured in case of their unfortunate hospitalization. These policies cover post-hospitalization, domiciliary treatment, pre-hospitalization, and other treatments. Some plans offer a lump sum amount on detecting critical illnesses, and other plans provide a cashless claim. Niva Bupa Health Pulse Individual Policy is a health insurance plan covering the related treatments and providing accidental hospitalization cover. It is available in two variants: Classic and Enhanced. The policyholder gets an annual health check-up along with this plan. There are two variants in this plan classic plan and health insurance plan.
Niva Bupa Health Pulse Individual Plan: Key Highlights
| Categories | Specifications |
|---|---|
| Sum Insured | Upto ₹10 lakh |
| Annual Check-up | 2 years onwards |
| Free-look Period | 15 days |
or select from popular citiessSearch Health Pulse Enhanced Cashless Network Hospital list
Key Benefits of Niva Bupa Health Pulse Individual Plan
Niva Bupa Health Pulse Individual Plan Inclusions & Exclusions
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Ambulance CoverEmergency ambulance is covered in the plan up to Rs 1,500 for sum insured below 5 lakh and up to Rs 2,000 for sum insured above Rs 5 lakh. The plan pays for the ambulance charge per hospitalization of the policyholder.
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In-patient CareThe Niva Bupa Health Pulse Individual policy provides coverage against the policyholder's in-patient hospitalization at any network hospitals up to the sum insured limit.
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Day Care TreatmentThe plan covers various daycare treatments for which the person insured is hospitalized for less than 24 hours upto the sum insured amount in both variants.
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Domiciliary HospitalizationThis health insurance claim can include domiciliary hospitalization costs on the doctor's recommendation. It can be up to sum insured due to the unavailability of a bed at a hospital.
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Circumcision
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Sleep disorders
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Unlawful activity
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Conflict & disaster
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Hazardous activities
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Behavioral Disorders
In case of emergency we are just a call away. Take care of your family, we will do the rest. Our claim specialists will reach your location & complete the formalties from filing the claim to documentation to coordinating with insurer, TPA & hospital. Available in New Delhi and 114+ cities View cities list ›Policybazaar Claim Process
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Niva Bupa Health Pulse Individual Plan: FAQs
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Q. Can one buy the Niva Bupa Health Pulse Individual Policy available to buy online?
Ans: Yes, one can buy Niva Bupa Health Insurance policies online.
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Q. What is the sum insured for this policy?
Ans: The sum insured is from Rs 3 lakh to Rs 25 lakh.
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Q. Are Pharmacy and Diagnostic Services covered in this plan?
Ans: Yes, Pharmacy and Diagnostic Services are covered in this policy.
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Q. What is the advantage of selecting a policy with a duration of more than 1 year?
Ans: If one buys Aditya Birla Health Insurance for more than a year, one can save 7.5 % and 10% on the 2 and 3 years premium, respectively.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. What is a waiver of a mandatory co-pay cover?
Ans: This benefit is covered on payment of an additional premium. Therefore, any mandatory co-payment that is applicable under the Aditya Birla Activ Health Essential Plan will be waived off.
Niva Bupa Health Insurance offers two types of claim settlements – cashless and reimbursement. Follow the steps to raise a claim:
- Find the nearest network hospital of Niva Bupa Health Insurance
- Get admitted to the hospital
- Notify the insurance company about the hospitalization
- In case of pre-planned hospitalization, intimate the insurer before hospital admission.
- Fill up the pre-authorization form and submit it to the hospital staff
- The pre-authorization form will be sent to Niva Bupa Health Insurance for approval.
- Once approved, obtain medical treatment.
- At the time of discharge, sign all the medical documents.
- Pay for the items/services not covered under the Niva Bupa Health Insurance policy
- The network hospital will send the hospital bill to Niva Bupa Health Insurance.
- After review, the insurance company will pay the bill amount directly to the network hospital.
- Inform the insurance company about the hospitalization
- In case of planned hospitalization, notify the insurer before hospital admission.
- Receive medical treatment
- At the time of discharge, pay the entire hospital bill in full.
- Collect all the medical documents, bills and payment receipts
Our Claim specialists in below cities will reach your hospital or home in 30 minutes to support your health insurance claim
