Health Pulse Individual Insurance Plan
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MY POLICY

Direct Claim Settlement  

Avail painless claim process when there are no third parties involved

No Room Rent Cap    

Covered upto single private room for SI ₹ 5 lakhs and above

Refill Benefit 

Get your cover restored if you exhaust your sum insured in the policy year

Day Care Treatment

Get coverage for procedures that don't need hospitalisation.

Health Check-up

Annual health check-up from 2nd year onwards

Renewal for life

Once insured with us, you will always remain our customers.

Find out what’s covered in the Health Pulse Plan​

Simply search for your queries about Health Pulse insurance plan or check out all the features listed below​    

Hospitalisation
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IN-PATIENT CARE (HOSPITALISATION)

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Get cashless coverage for hospitalisation expenses for all insured members at network hospitals    

HOSPITAL ACCOMMODATION

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Get coverage of up to 1% of base sum insured per day for single private room and up to 2% for ICU. This is applicable when sum insured is below ₹ 5 lacs. For 5 lacs and above, it is up to single private room and ICU covered up to SI

PRE & POST HOSPITALISATION MEDICAL EXPENSES

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The policy will cover pre and post hospitalisation expenses as well. The period of the treatment covered is 30 days before you get admitted to the hospital and 60 days after you get discharged from the hospital.     

HEALTH CHECK-UP

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Avail free health check-up for yourself and your spouse annually from the second policy year onward    

DOMICILIARY HOSPITALISATION

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The policy will reimburse you for the medical treatment taken at home on account of unavailability of a hospital bed or the doctor’s advice 

DAY-CARE TREATMENT COVERED

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Get coverage for procedures that don't need hospitalisation

EMERGENCY AMBULANCE

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Get coverage for the ambulance expenses upto ₹ 1500 for SI below ₹ 5 lakhs and upto Rs 2000 for SI greater than or equal to ₹ 5 lakhs.

ORGAN TRANSPLANT

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Avail coverage for medical expenses incurred on the organ donor’s treatment as well    

Standout Features
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FREE LOOK PERIOD

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Get the health pulse policy and you can cancel within 15 days to get a full refund.

ALTERNATIVE TREATMENTS

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We cover In-patient treatment under AYUSH (Ayurveda, Unani, Siddha, and Homeopathy) up to SI

TAX BENEFIT

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Save taxes on the premiums paid under section 80D of the income tax act    

CASHLESS FACILITY

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Avail services at our network hospitals without having to pay any cash    

DIRECT CLAIM SETTLEMENT

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There are no third-party agents involved. Get your claims processed painlessly by our customer service team directly    

RENEWAL FOR LIFE

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Get assured renewal of the policy for life with no extra loadings based on your claim history​    

Add on Features
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Optional Benefits:      

Personal Accident Cover

-Accident Death

-Accident Permanent Total Disability (125% of PA cover SI)

Accident Permanent Partial Disability    

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 Unilimited tele/online doctor consultation    
Hospital Cash    

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    

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    
Enhance Re-fill Benefits     Re-fill up to 150% of Base Sum Insured    
Exclusions
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PERMANENT EXCLUSIONS

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•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.

Why choose Health Pulse?

Doctors Speak
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Live well with Max Bupa

Check out what the doctors and the  experts have to say about your health and health insurance

Calculate Medical Expenses
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Painless renewals
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Assured plan renewal for life

Get 10% added sum insured on each renewal*

Get cashless health check annually

Carry forward 80% unutilized amount for diagnostic tests

Unlock maternity benefits( Optional )

Get 20% more coverage for every claim-free year

Hassle-free 5 minutes renewal process

Seamless renewal options

Click here>>
Frequently Asked Questions
HOW CAN I BUY THIS POLICY?
WHAT ARE THE MINIMUM AND MAXIMUM POLICY DURATIONS?
IS THERE ANY TAX BENEFIT THAT ONE CAN AVAIL OF WHILE PURCHASING HEALTH INSURANCE?
IS A MEDICAL CHECK-UP NECESSARY BEFORE BUYING A POLICY?
WHAT IS ANNUAL INSURANCE COVER?
HOW CAN I BUY THIS POLICY? - +

There are various ways in which you can purchase this policy:

Online:On purchase of this plan online your policy will be generated almost instantly along with your policy kit and card. This is applicable for cases which do not require further underwriting or medical checkup.

Telephone:If you wish to know more about Max Bupa’s Health Insurance Plans, please speak to our specially trained sales team or your local advisor. Call us on Phone 1860 500 8888 (Toll Free) between 9 am and 6 pm IST (Monday to Saturday) or click on ‘Click to arrange a call’ to buy the policy over the phone or to fix up an appointment.

Branch: Please visit our branch in your city. The complete list of branch locations is available in the Contact Us section of the website

The Max Bupa Promise
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The Max Bupa Promise

30 Minute cashless claims processing

Spend less time on paperwork and more with your family

Health network beyond hospitals

A cashless network of 4500+ hospitals & 2000+ doctors

No third-party agents! Direct claim settlement

No TPA involvement in processing your claim

Paperless reimbursements

No paper, no hassle. Get online reimbursements

Your everyday health partner
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your everyday health partner-compressed

Max Bupa Health App

Track your health, manage your policy & renewals

Consult Now >

Tele-consultation to resolve your health queries

A quick & painless way to consult a doctor

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Document locker

Store & access all your medical records with a few taps

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Book Cashless OPD Online!

Doctor’s appointment through our cashless health network

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Hassle-free claims
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Hassle-free claims
Get admitted

Visit us at one of our hospitals

Use your health card

Identify yourself with your MaxBupa health card

Get validated

After validation your request will be sent directly to us

In-house claims Review

No third party involved!

Claim Processing

In as less as 30 minutes!

Get a quote

Tell us a little about yourself and we’ll get you the right quote.

Find the right plan now>

Compare plans

Not sure if it’s the right plan for your family? Compare it with other similar plans.    

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