Niva Bupa Aspire
Your Comprehensive Health Insurance Plan
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.
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