About Niva Bupa Aspire Health Insurance Plan
Considering the younger generation's healthcare requirements, Niva Bupa Health Insurance Company has launched the Niva Bupa Aspire Health Insurance plan. The plan offers unique benefits like Lock the Clock and Booster+, among others. With the Niva Bupa Aspire Health insurance plan, the insured can avail of several unique benefits that have been explained in detail below.
Niva Bupa Aspire Health Insurance Plan: Key Highlights
| Categories | Specifications |
|---|---|
| Coverage | ₹5 lakh to 1 crore |
| Pre-existing Diseases Waiting Period | 3 years |
| Discount | Up to 30% live healthy discount |
or select from popular citiessAspire Gold+ Features
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Key Benefits of Niva Bupa Aspire Health Insurance Plan
Niva Bupa Aspire Health Insurance Plan Inclusions & Exclusions
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Annual Health Check-upThe annual health check-up benefit under the Niva Bupa Aspire medical insurance includes medical test facilities. The test must be booked through a mobile app and is available exclusively on a cashless basis minus reimbursements.
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Live HealthyThe Live Healthy inclusion provides the insured with a 30% discount at the time of renewal by downloading the app and gaining health points.
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Second Medical OpinionThe Aspire Health plan from Niva Bupa health insurance allows you to get a second medical opinion from any medical care provider. This inclusion pays for the same under hospitalisation expenses.
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Hospitalisation ExpensesThe Niva Bupa Aspire Health plan covers any expenses incurred when the insured is admitted. This benefit also includes hospitalisation for 2 hours or more and at least 24 hours for AYUSH treatment at an AYUSH Hospital.
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Road Ambulance BenefitsIf the insured must be transported to the nearest hospital through a road ambulance, the expenses incurred will apply to the sum insured.
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Air Ambulance BenefitsIn an emergency, the air ambulance expenses will be covered up to the base sum insured.
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Investigation and EvaluationIt does not cover hospitalization costs solely for the purpose of diagnostic or evaluation of a suspected health issue.
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Rest, Cure, Rehabilitation or Respite CareIt excludes expenses incurred just for bed rest and not receiving medical treatment.
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Weight Control or Obesity TreatmentsIt does not pay for fat loss or weight management treatments, unless advised by the doctor.
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Cosmetic or Plastic SurgeryIt does not cover costs for plastic surgery or cosmetic treatments, unless medically required.
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Dental TreatmentsIt does not pay expenses incurred on dental surgeries or treatments.
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Adventure Sports or Hazardous SportsIt excludes the costs of treating injuries resulting from adventure sports like rafting, mountaineering, horse racing, etc.
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 Aspire Health Insurance Plan: FAQs
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Q: What is the waiting period for the Niva Bupa Aspire Health Insurance plan?
Ans: The waiting period for the Niva Bupa Aspire Health Insurance plan is 30 days. The waiting period for pre-existing diseases ranges from 1 year to 4 years, depending on the type of policy selected. Finally, the waiting period for specific diseases varies from 1 year to 2 years, according to the cover chosen.
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Q: How much time is taken for a claim reimbursement in Niva Bupa Health Insurance?
Ans: The time taken for a claim to be reimbursed for health insurance from Niva Bupa is 30 days.
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Q: What is the free look period for the Niva Bupa Aspire Health Insurance plan?
Ans: The free look period for the Niva Bupa Health Insurance plan is 15 days, extending to 30 days. Additionally, if no claims have been filed, the premium amount is refunded after the medical examination of the policyholder.
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Q: Are there any discounts provided to the policyholders of the Niva Bupa Aspire Health Insurance plan?
Ans: A policyholder of the Niva Bupa Aspire Health insurance plan is eligible for discounts for the first three years of the insurance. The discount is applicable only if this insurance has been purchased online.
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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
