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 citiessHealth Pulse Enhanced Features
Search 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
