Niva Bupa- Aspire Health Insurance Plan - A plan that allows you to go for overseas treat

Niva Bupa insurance review

Sum Insured

3 lac - 300 lacs options available

Claims settlement ratio **

8.0%

Incurred claims ratio

88%

Number of policies issued *

23,330

Number of lives covered *

23,330

Tenure options

1 year options available

List of network hospitals

8,600+ hospitals

Maximum family floater coverage

Self, Spouse + 4 dependent children

* As per IRDAI report | ** As per NL25 data published on the Insurance Company website

Niva Bupa Aspire health insurance

The Aspire Start Young plan is something you look forward to in health insurance. Niva Bupa not only provides excellent maternity benefits, but it also grants credit for being healthy. It also provides borderless benefits, which is another distinct characteristic.

The plan has four variants: Aspire Gold Plus, Aspire Diamond Plus, Aspire Platinum Plus, and Aspire Titanium Plus.

So, if you're young and have recently started working, this plan is for you. The plan is reasonable because insurance provides comprehensive coverage for up to one crore. This plan differs significantly from other plans on the market and provides unique benefits. Take a peek below to see how Niva Bupa Aspire's strategy differs.

Niva Bupa Aspire health insurance plan benefits

Benefits	Gold+	Diamond+	Platinum+	Titanium+
Base Sum Insured	INR 3 Lakh / 5 Lakh / 7.5 Lakh / 10 Lakh / 15 Lakh / 20 Lakh / 25 Lakh / 50 Lakh / 1 Crore
Expenses in reaching a Hospital	Up to sum insured for Road & Air Ambulance.
Expenses During Hospitalisation(Including AYUSH)	Covered up to sum insured for 2+ hours of hospitalisation. Covers all day-care also. (24+ hours for Ayush treatment)
Modern Treatments	Covered up to sum insured.
Expenses before and after a Hospitalisation	60 days and 180 days respectively. Covered up to sum insured.
Home Care/Domiciliary	Covered up to sum insured.
Organ Donor	Covered up to sum insured.
Annual Health Check-Up (Cashless Only)	Covered for defined list of tests.
ReAssure Forever	Triggers after the 1st claim. It is Unlimited. Each claim will be up to the Base sum insured.
Lock the Clock Pay the premium as per your entry age, till a claim is paid	NA	Yes	Yes	NA
Lock the Clock+ Pay the premium as per your entry age, till a claim is paid. M-iracle claim will not impact the AGE LOCK!	NA	NA	NA	Yes
Booster+ Unutilised Base sum insured carries forward to the next policy year, as per your entry age.	Entry Age 18-35: up to 3X Entry Age 36-45: up to 2X Entry Age 46+: up to 1X	Entry Age 18-35: up to 5X Entry Age 36-45: up to 3X Entry Age 46+: up to 2X	Entry Age 18-35: up to 10X Entry Age 36-45: up to 5X Entry Age 46+: up to 3X	Entry Age 18-35: up to 10X Entry Age 36-45: up to 5X Entry Age 46+: up to 3X
M-iracle	Covered up to M-iracle sum insured. Carry forward unutilised M-iracle sum insured maximum up to Booster+ limits.
M-iracle Waiting Period	48 Months	24 Months	9 Months	9 Months
Live Healthy	Up to 30% discount on premium at the time of renewal.
Second Medical Opinion	Unlimited times in a policy year (Network Only).
E-Consultation	Unlimited e-consultation within our network.
Optional Benefits
Fast Forward	Combine multi tenure sum insured to be used anytime. Applicable for Base and M-iracle sum insured.
Future Ready	Guaranteed issuance & continuity on waiting periods served by you for your future spouse.
Borderless	Get treatment anywhere in the world, up to sum insured. Co-payment options: 0% / 20% / 30% / 40% / 50%
Cash-Bag	Accumulate cashback on every claim free year in your Cash-Bag. Use it to pay for premiums, deductible, co-payment, and OPD. 10% of 1st renewal premium and 5% of every subsequent renewal premium.
Safeguard+	Claim Safeguard+: All non-payable items will be covered (as per list I, II, III, IV) •Booster+ Safeguard+: No impact on Booster+ if claim in a policy year is less than INR 1,00,000 • Sum insured Safeguard+: Inflation linked increase in Base sum insured
WellConsult (OPD)	Get comprehensive coverage for Tele & Physical Consultations, Diagnostics, Pharmacy, Gym Membership, and host of Wellness benefits.
Personal Accident	Equal to 5 times of Base sum insured. Maximum up to INR 1 Crore.
Hospital Daily Cash	Up to INR 5 Lakh Base sum insured: INR 1,000/day Between INR 7.5 Lakh to INR 15 Lakh Base sum insured: INR 2,000/day Above 15 Lakh Base sum insured: INR 4,000/day
Annual Aggregate Deductible	Choose a small deductible. INR 20,000 / INR 30,000 / INR 50,000 / INR 1,00,000