Niva Bupa Aspire

Your Comprehensive Health Insurance Plan

Overview

Niva Bupa's Aspire is a versatile health insurance plan designed for individuals and families. It offers a wide range of benefits, from comprehensive hospitalization coverage to unique features that reward a healthy lifestyle. The plan is available in multiple variants (Gold Plus, Diamond Plus, Platinum Plus, and Titanium Plus) to suit different needs and budgets.

Key Features

Lock the Clock+

Your premium is based on your entry age and remains locked until the first claim is made. For "M-iracle" (maternity) claims, the age lock remains unaffected.

Booster+

Carries forward your unused base sum insured up to 10 times, accumulating it for future use. This rewards you for claim-free years.

M-iracle Benefit

Comprehensive maternity coverage that includes expenses for childbirth (normal and C-section), IVF, surrogacy, and adoption. Newborn baby is covered from day one.

ReAssure Forever

Unlimited restoration of the base sum insured for both related and unrelated illnesses within a single policy year, starting from your first claim.

Cash-Bag

Earn cashback for every claim-free year. This accumulated amount can be used for various expenses, including premiums, deductibles, or outpatient costs.

Borderless

An optional add-on that provides coverage for medical treatments received anywhere in the world, giving you access to global healthcare.

Coverage & Benefits

  • In-Patient Hospitalization: Covers expenses for hospitalization lasting 2 hours or more (24+ hours for AYUSH treatments).
  • Pre & Post Hospitalization: Medical expenses are covered for 60 days before and 180 days after hospitalization.
  • Daycare & Domiciliary Treatment: All daycare procedures (completed in less than 24 hours) and home-based treatments are covered up to the sum insured.
  • Room Rent & ICU Charges: No capping on room rent or ICU charges, allowing you to choose any room category.
  • Modern Treatments: Advanced treatments like robotic surgery, immunotherapy, and stem cell therapy are covered up to the sum insured.
  • Ambulance Charges: Covers both road and air ambulance expenses for emergency transfers.
  • Organ Donor Expenses: In-patient costs for the organ donor in case of a transplant are covered.

Waiting Periods

  • Initial Waiting Period: A 30-day waiting period applies to all illnesses from the policy's start date, except for hospitalization due to an accident.
  • Specific Illnesses: A 24-month waiting period is applicable for certain specified illnesses like hernia, cataract, and joint replacement surgery.
  • Pre-existing Diseases: A waiting period of 36 months (for most variants) or 48 months (for Gold+ variant) applies before claims for pre-existing diseases can be made.
  • Maternity Waiting Period: Varies by plan variant, ranging from 9 months to 48 months.

Optional Add-ons

  • WellConsult: Covers outpatient department (OPD) expenses, including teleconsultations, physical consultations, and diagnostics.
  • Safeguard+: Provides coverage for non-medical expenses and consumables that are typically excluded, such as gloves, masks, and PPE kits.
  • Future Ready: Waives the waiting periods for a newly added spouse, ensuring continuity of benefits.
  • Disease Management Rider: Offers early coverage for lifestyle conditions like diabetes and hypertension, often from day 31.

 

Contact us !

Want to know more on this Plan ?

Get Unbiased advice

Niva Bupa Health Insurance Company Limited is one of India's leading standalone health insurers (SAHI), headquartered in New Delhi and founded in 2008. The company was formerly known as Max Bupa Health Insurance Company Limited and was rebranded to Niva Bupa in 2021. Niva Bupa offers a wide range of health insurance products for individuals, families, senior citizens, and corporate employees.

LIC
Star Health
New India
Catering
Pooja