Niva Bupa Aspire Health Insurance Plan

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      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.

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      Lock the Clock: The premium remains unchanged until a claim is paid.

      Booster+: Unutilised base sum insured is carried over up to 10 times of sum insured.

      M-iracle: Covers expenses for childbirth, adoption, maternity and surrogacy.

      Niva Bupa Aspire Health Insurance: Key Benefits

      Categories Benefits
      Sum Insured Rs 3 lakh to Rs. 1 Crore
      Policy Tenure 1 year, 2 years, 3 years
      Network Hospitals 10,000+
      Incurred Claims 62.12%
      Initial Waiting Period 30 Days
      Pre-Existing Diseases Waiting Period 1 Year/ 2 Years/ 3 Years/ 4 Years
      Specified Disease Waiting Period 1 Year/ 2 Years
      M-iracle Waiting Period 9 months/ 2 Years/ 4 Years

      Niva Bupa Aspire Insurance: Benefits

      The following are the benefits of the Niva Bupa Aspire Health Insurance plan:

      • M-iracle Benefit - The M-iracle benefit from the Niva Bupa Aspire Health Insurance plan provides the insured with childbirth-related expenses. It covers expenses arising from maternity, surrogacy, adoption and childbirth.
      • Lock the Clock+ Benefit - The lock-the-clock+ benefit ensures that the insured pays the premium amount determined at the age when they purchased the plan. The benefit is available until a claim is filed. It is important to note that the m-iracle benefit explained above does not impact the lock-the-clock+ benefit.
      • Booster + Benefit - The booster+ benefit of the Aspire health plan from Niva Bupa Health Insurance ensures the insured balance is carried forward to the following year. It is important to note that the benefit can be availed up to 10 times the base sum insured depending on the entry age of the primary policyholder.
      • Borderless Benefit - With the borderless benefit from the Niva Bupa Aspire insurance plan, the insured can get treatment irrespective of their current location.
      • Second Medical Opinion Benefit - The second medical opinion benefit is provided to the insured in case of a serious illness diagnosis. The benefit can be availed multiple times within a policy year.
      Niva Bupa Aspire Health Insurance Other Insurance Providers
      Minimum hospitalisation requirement is 2 hours. Minimum hospitalisation of 24 hours and above is required.
      Policyholders get comprehensive maternity benefits. Only delivery expenses can be claimed.
      Plan offers combined multi-tenure sum insured options. No such benefit is available.
      Air ambulance expenses covered up to the sum insured. Sub-limits are applicable on air ambulance requirements.
      Insured can carry forward the sum insured amount up to 10 times according to entry age. Sum insured can be carried over only four or five times within policy duration.

      Eligibility Criteria: Niva Bupa Aspire Health Insurance Plan

      Parameters Eligibility Criteria
      Minimum Entry Age Adult - 18 years
      Child - 1 day
      Maximum Entry Age Adult - 46 years
      Child - NA
      Coverage Type Individual and Family Floater
      Renewability Lifelong

      Niva Bupa Aspire Health Insurance: Inclusions

      • Annual Health Check-up - The 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.
      • Live Healthy - The Live Healthy inclusion provides the insured with a 30% discount at the time of renewal by downloading the app and gaining health points.
      • Second Medical Opinion - The 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.
      • Hospitalisation Expenses -The 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.
      • Road Ambulance Benefits - If the insured must be transported to the nearest hospital through a road ambulance, the expenses incurred will apply to the sum insured.
      • Air Ambulance Benefits - In an emergency, the air ambulance expenses will be covered up to the base sum insured.
      • Domiciliary Treatment - The domiciliary treatment benefit is applicable when the insured requires medical treatment at home with a medical practitioner. It also applies when the medical professional monitors and signs the therapy at home.
      • Pre-Hospitalisation Benefits - The pre-hospitalisation benefit available through the Niva Bupa Aspire Health plan covers expenses like diagnostic tests, medicines and other tests for up to 60 days before being hospitalised.
      • Post-Hospitalisation Benefits - The post-hospitalisation benefits can be claimed within 180 days after the insured has been discharged.
      • Modern Treatments benefit - It covers expenses for treatments like balloon sinuplasty, stem cell therapy, deep brain stimulation and oral chemotherapy.
      • Organ donor benefits - The organ donor benefits cover the expenses for the organ donated by an individual to the insured. It is applicable only when the hospitalisation is claimed.
      • Organ Harvesting benefits - It covers the expenses for harvesting the required organ from the insured.
      • Reassure+ Benefits - The reassure+ benefit provides the insured with an unlimited sum insured amount. It is activated when the insured pays the first claim and stays for the entire policy duration, subject to continuous renewals.
      • Reassure X Benefits - The Reassure X benefit is provided to the insured individual from the first claim that is paid. It is essential to ensure the policy is renewed without a break for the unlimited sum insured to be present.
      • Cash-Bag Benefit - The Niva Bupa Aspire health plan provides the insured with cash back on each year that passes without a claim filing. The amount collected can help pay OPD, deductibles, co-payments, and other expenses applicable to the plan.
      • Future Ready - The future-ready inclusion in the Niva Bupa Aspire health insurance assures your future spouse will be provided with guaranteed issuance and continuity for waiting periods.
      • Fast Forward - The fast forward benefit ensures that the base sum of the health plan and the m-iracle sum insured amount is brought forward.
      • Safeguard+ - It ensures that the insured can claim the safeguard inclusion on all non-payable items. It also assures that if a claim amounting to less than Rs 1 lakh is filed within the policy year, there will be no impact on the booster+ and safeguard+ benefits.
      • Personal accident - The personal accident inclusion will provide the insured with the amount that equals up to 5 times the base sum insured. The amount can go up to a sum of Rs 1 crore.
      • Annual Aggregate Deductible - The yearly aggregate deductible is provided to the insured based on the expenses incurred to reach the hospital.
      • Hospital Cash - The insured is paid an additional fixed amount based on each day of hospital stay for up to 30 days.

      Niva Bupa Aspire Health Insurance Plan: Exclusions

      The following are the exclusions of the Niva Bupa Aspire Health Insurance Plan:

      • Investigation and evaluation of any suspected health issues or diseases.
      • Rest, cure, rehabilitation or respite care of the insured.
      • Any weight control or obesity treatments.
      • Cosmetic or plastic surgery, except for life-saving cases.
      • Dental treatments
      • Treatments at non-empanelled hospitals and from excluded providers.
      • Adventure sports or any hazardous actions.
      • War or nuclear event.


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