Niva Bupa Aspire Plan
  • Global Treatment
  • Provides maternity cover
  • Lock the clock
Niva Bupa Health Insurance
premium

Network hospitals

10000+

premium

Claim settlement ratio

99.99

premium

Sum insured

3 CR

premium

No. of Plans

14

premium

Solvency Ratio

1.7

premium

Pan India Presence

-

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Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

10000+

premium

Claim settlement ratio

99.99

premium

Sum insured

3 CR

premium

No. of Plans

14

premium

Solvency Ratio

1.7

premium

Pan India Presence

-

Recognized By Niva BupaPolicyX.com is a Recognised Niva Bupa Partner View Certificate

Niva Bupa- Aspire Health Insurance Plan

"Introducing a health insurance that rewards you for starting young."

A plan that allows you to go for overseas treatment.

Several health insurance plans are on the market, but have you ever heard about the plan that gives complete maternity benefits? Yes, now we have a plan that covers, complete maternity benefits under M-iracle benefits. Niva Bupa's Aspire Start Young plan is something you look forward to in health insurance. Niva Bupa offers not just great maternity benefits but gives credit if you stay healthy. It also gives borderless benefits - another unique feature. The plan comes in 4 types of variants:

  1. Gold+
  2. Diamond+
  3. Platinum+
  4. Titanium+

So, if you are someone who is young and just started working, this plan is for you. The plan is reasonable as it gives comprehensive coverage up to 1 Crore. This plan is very different from other plans in the market and gives additional benefits as well. Have a look below to get an idea of how Niva Bupa Aspire's plan is different.

What Makes this Plan Stand Out?

M-iracle

The name of this feature might be confusing, but this specifically means to celebrate parenthood. We all know that babies are indeed miracles and bring new meaning to lives. You will be covered if you plan to adopt a child, a one-of-a-kind offering in today's insurance market. If you choose this plan, you will get the following benefits:

  • Vaccination for the expecting mother
  • Gynaecologist consultation
  • Sonogram
  • Blood and other accompanying tests
  • Delivery procedure (Normal or Caesarian section)
  • In vitro fertilization (IVF PROCEDURE)
  • Gamete intrafallopian transfer (GIFT)
  • Zygote intrafallopian transfer(ZIFT)
  • Intracytoplasmic Sperm Injection (ICSI)
  • Medical termination of pregnancy(MTP)
  • Treatment of infertility
  • Charges for legally adopting a child

Booster+

Under the Booster+ benefit, you can carry forward the unutilized base sum insured. Also, the base sum insured will be accumulated up to 10 times as per the variant you choose.

Let us understand this with a simple example:

Rahul is a 25-year-old young guy who opted for the policy with an INR 10 Lakh base sum insured in 2023. For the next 10 years, he does not apply for the claim. So by 2033, that 10 Lakh SI will have a value of INR 1.10 Crore of SI, which is INR 10 Lakh + INR 1 Crore Booster+.

This way, by the age of 35 he will be completely secured for any kind of medical emergency.

Lock the Clock & Lock the Clock+

This feature ensures that the age of the policyholder will be locked at the entry when you buy the policy, till the claim is paid.

Additionally, Lock the Clock+ is an extended version of this feature, which states that if you claim M-iracle, then there will be no changes in the premiums, but any other type of claim will affect the premiums accordingly.

Live Healthy Benefits

Under this benefit, you just need to walk and get a discount on the next renewal. For this, you need to download the Niva Bupa App and collect the health points by walking. According to the plan, 1000 steps will be equal to 1 point.

Future Ready Benefits

The Future Ready benefit allows you to add your future spouse to the plan. And the amazing part is, all the waiting periods will be waived off as per your policy timing. Let me explain this with an example:

Let's say Ramesh purchased the Niva Bupa Aspire plan at the age of 25. He added the Future Ready benefit to the policy. After he got married at the age of 30, his wife unfortunately was diagnosed with a critical illness. But there's always a silver lining! Now he can avail of the cashless treatment benefit without waiting because he has served his waiting period earlier and now can claim the treatment charges.

Also, this plan waives off the maternity benefit waiting period and covers all the benefits for your spouse that you already have.

Borderless Benefits

With this benefit, you can get a planned or emergency treatment at any hospital in the world. This means that even if you are diagnosed with a disease in India but want to get treated at one of the top hospitals in the world, it is possible. Whether it is in London, France, Germany or anywhere in the world, you can avail of the treatment and claim for the reimbursement. In this case, you can also choose co-payment options.

WellConsult (OPD)

With the WellConsult benefit, you can get complete wellness and OPD benefits. Here is the list of all the exclusive benefits for you:

  • Telephone consultation or video consultation on the network
  • Physical consultation with specialists
  • Prescribed diagnosis
  • Prescribed medicine or pharmacy cost
  • Mental care coverage
  • Diet and nutrition coaching
  • Smart fitness coaching
  • Online reading, listening and watching material for wellbeing from the top wellness experts in the market.
  • Gym membership

Niva Bupa Aspire Start Young Plan Specifications

Entry Age

18 years

Policy Type

Individual / Family Floater

Policy Term

2 and 3 Years

Variants Available

Gold+/ Diamond+/ Platinum+/ Titanium+

Sum Insured

3L/ 5L/ 7.5L/ 10L/ 15L/ 20L/ 25L/ 50L/ 1 Crore

Initial Waiting Period*

30 Days

*The initial waiting period is the period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan

Read more specifications in the Niva Bupa Health Aspire Plan Brochure.

Niva Bupa Aspire Start Young Plan Benefits

Niva Bupa Aspire Plan gives usual benefits that are generally covered in a health insurance policy such as hospitalisation coverage, pre and post-hospitalisation, room rent, domiciliary treatment, personal accident coverage, and AYUSH Treatment. But along with these, there are other exclusive and revolutionary benefits that this health insurance plan offers you. Here is the list of benefits that this plan gives to its policyholders:

  • M-iracle
    Under the M-iracle benefit, the policy covers expenses related to maternity, IVF, adoption, surrogacy, vaccinations, consultation, sonogram cost, gamete intrafallopian transfer, blood tests, treatment of infertility and charges of legal adoption of a baby.
  • Lock the Clock and Lock the Clock+
    The benefits ensure that you will pay the premium amount determined at the age when you purchased the plan till the time you make the claim. This means that your premiums will remain the same until you claim the benefit. After a claim, you need to pay the premiums according to your age. But in the case of Lock the Clock+, maternity claims will not be considered.
  • Booster Plus
    Under the Booster Plus benefits, you can carry forward the balance sum insured up to 10x depending upon the entry age and opted variant. It boosts your existing sum insured on every renewal.
  • Cash-Bag benefit
    You can accumulate cashback on every claim-free year. Though it is an optional benefit, but you can accumulate 10% of 1st renewal premium and 5% of every subsequent renewal premium.
  • Fast Forward
    An add-on benefit that is applicable for the policies with 2 and 3 years of tenure. It brings forward the future base sum insured and M-iracle sum insured. This means you can opt for a full claim before the completion of the policy. For example - If you opt for the sum insured of INR 75 Lakh for 3 years and there is an emergency in the first policy year, then you can opt for the claim of the full amount which is INR 75 Lakh.
  • Borderless
    The plan allows you to get treatment from anywhere in the world. This benefit also allows you to opt for a second opinion if you want to get treated in the best hospitals in the world, even if it is outside of the Indian geographical border. You can also opt for the cashless benefit for hospitals outside India.
  • WellConsult OPD Wallet
    You will get unlimited tele and video consultations, pharmacy, gym, fitness coach, diet sessions, diagnostic, and emotional wellness. This benefit takes care of your mental and physical wellness altogether.
  • Safeguard+
    It is a three-way protection benefit for policyholders. In this, you can increase the SI as per the inflation rate. Or you can protect your bonus from the claim filed under INR 1 Lakh. It also gives coverage for other medical equipment such as gloves, cotton, scissors, etc. which are usually not covered in the policy itself.
  • Organ Donor Expenses
    The policy also covers the cost of organ transplants up to the sum insured. This includes vaccination, surgery, and pre and post-hospitalisation costs.

Choose your Niva Bupa Aspire Start Young Plan

In the below table, you can check all the general benefits that this Niva Bupa Aspire plan offers.

With Base Sum Insured- INR 3L/ 5L/ 7.5L/ 10L/ 15L/ 20L/ 25L/ 50L/ 1 Crore

In-patient & Out-patient coverage

Room Rent

Covered up to SI

ICU Charges

Covered up to SI

Pre-Hospitalization

Covered up to 60 days

Post-Hospitalization

Covered up to 180 days

Domiciliary Hospitalization

Covered up to SI

Daycare Treatment

Covered

OPD Charges

Covered

Coverage Terms

COVID-19 Treatment

Not Covered

Cataract

Not Covered

No Claim Bonus

Applicable

Automatic Restoration

Available

Daily Hospital Cash

Available

Organ Donor

Covered up to SI

Maternity Cover

Covered up to SI

New Born Baby Cover

Covered up to M-iracle SI

Alternative Treatments

AYUSH Treatment

Covered up to SI

IVF Treatment

Covered up to SI

Modern Treatment

Covered up to SI

Emergency Coverage

Ambulance

Covered up to SI

Air Ambulance

Covered up to SI

Compassionate Travel

Not Covered

Global Coverage

Covered

Wellness Programmes

E-Consultation

Covered

Health Check-Up

Covered

Second Medical Opinion

Available

Vaccination

Covered

Limitations

Co-payment

Applicable only in specific cases

Sub-limits

Not Available

What is Room Rent?

Room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common Room categories covered under room rent are:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under Niva Bupa Aspire Start Young Plan?

Under the Niva Bupa plan, the room rent is covered for all types of rooms.

What are ICU Charges?

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under Niva Bupa Aspire Start Young Plan?

Under the Niva Bupa Aspire Start Young Plan, ICU charges are covered up to SI.

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under Niva Bupa Aspire Start Young Plan?

Under the Niva Bupa Aspire Start Young Plan, pre-hospitalization is covered for up to 60 days.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under Niva Bupa Aspire Start Young Plan?

Niva Bupa Aspire Start Young Plan covers medical expenses incurred during post-hospitalization for 180 days.

What is Domiciliary Hospitalization?

Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the financial coverage.

Coverage status under Niva Bupa Aspire Start Young Plan?

Niva Bupa Aspire Start Young Plan covers domiciliary hospitalizations for medical treatments for a period exceeding three days.

What is Daycare Treatment?

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under Niva Bupa Aspire Start Young Plan?

Niva Bupa Aspire Start Young Plan covers the expenses of all daycare procedures.

What are OPD charges?

The cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under Niva Bupa Aspire Start Young Plan?

OPD charges are covered under the Niva Bupa Aspire Start Young Plan including telephone and OPD coverage.

What is COVID-19 Treatment?

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.

Coverage status under Niva Bupa Aspire Start Young Plan?

Niva Bupa Aspire Start Young Plan does not cover COVID-19.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under Niva Bupa Aspire Start Young Plan?

Niva Bupa Aspire Start Young Plan does not cover Cataract Treatment.

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under Niva Bupa Aspire Start Young Plan?

Niva Bupa Aspire Start Young Plan offers Booster+ in which you can avail of a no-claim bonus of up to 10 times the SI.

What is Automatic Restoration?

Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.

Coverage status under Niva Bupa Aspire Start Young Plan?

Niva Bupa Aspire Start Young Plan does offer automatic restoration each time up to 100% of the Sum Insured (an unlimited number of times in a policy year) as an optional cover.

What is Daily Hospital Cash?

It is a cash amount that you receive each day during the time of hospitalization.

Coverage status under Niva Bupa Aspire Start Young Plan?

Daily hospital cash is available under the Niva Bupa Aspire Start Young Plan.

  • Upto INR 5 Lakh base SI: INR 1000/day
  • Between INR 7.5 Lakh to INR 15 Lakh base SI: INR 2000/day
  • More than INR 15 Lakh base SI: INR 4000/day
What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under Niva Bupa Aspire Start Young Plan?

Under the Niva Bupa Aspire Start Young Plan, organ donor expenses are covered up to SI.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedures deliveries.

Coverage status under Niva Bupa Aspire Start Young Plan?

Under the Niva Bupa Aspire Start Young Plan, maternity coverage is available.

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under Niva Bupa Aspire Start Young Plan?

Under the Niva Bupa Aspire Start Young Plan, a newborn baby cover is available from day 1 in the policy.

What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under Niva Bupa Aspire Start Young Plan?

Under the Niva Bupa Aspire Start Young Plan, AYUSH treatments are covered up to SI.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under Niva Bupa Aspire Start Young Plan?

Under the Niva Bupa Aspire Start Young Plan, IVF coverage is available

What is a Modern Treatment?

Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under Niva Bupa Aspire Start Young Plan?

Under the Niva Bupa Aspire Start Young Plan, modern treatments are covered up to SI.

What is an Ambulance Cover?

An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.

Coverage status under Niva Bupa Aspire Start Young Plan?

Under the Niva Bupa Aspire Start Young Plan, ambulance is covered by SI

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under Niva Bupa Aspire Start Young Plan?

Under the Niva Bupa Aspire Start Young Plan, the air ambulance is covered up to the Sum Insured but only in case of emergency.

What is Compassionate Travel?

Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under Niva Bupa Aspire Start Young Plan?

Under the Niva Bupa Aspire Start Young Plan, compassionate travel is not covered.

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under Niva Bupa Aspire Start Young Plan?

Under the Niva Bupa Aspire Start Young Plan, global coverage is covered.

What is E-Consultation?

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under Niva Bupa Aspire Start Young Plan?

Under the Niva Bupa Aspire Start Young Plan, e-consultation is covered.

What is a Health Checkup?

A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.

Coverage status under Niva Bupa Aspire Start Young Plan?

Under the Niva Bupa Aspire Start Young Plan, health check-ups are covered.

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company's network of medical practitioners.

Coverage status under Niva Bupa Aspire Start Young Plan?

Niva Bupa Aspire Start Young Plan covers the expenses for a second medical opinion.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under Niva Bupa Aspire Start Young Plan?

Niva Bupa Aspire Start Young Plan covers vaccination expenses related to maternity and newborn babies.

What is Co-payment?

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Coverage status under Niva Bupa Aspire Start Young Plan?

A co-pay is applicable under the Niva Bupa Aspire Start Young Plan but only in specific cases.

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.

What is the status of the sub-limit under the Niva Bupa Aspire Start Young Plan?

Sub-limits are not applicable under the Niva Bupa Aspire Start Young Plan.

Niva Bupa Health ReAssure Banner

Under Different Variants, You will Get

Benefits Gold+ Diamond+ Platinum+ Titanium+
Lock the Clock NA Yes Yes NA
Lock the Clock+ NA NA NA Yes
M-iracle Waiting Period 48 Months 24 Months 9 Months 9 Months
Booster+ If the entry age is:
18-35 yrs: up to 3x
36-45 yrs: up to 2x
Above 46 yrs: up to 1x
If the entry age is:
18-35 yrs: up to 5x
36-45 yrs: up to 3x
Above 46 yrs: up to 2x
If the entry age is:
18-35 yrs: up to 10x
36-45 yrs: up to 5x
Above 46 yrs: up to 3x
If the entry age is:
18-35 yrs: up to 10x
36-45 yrs: up to 5x
Above 46 yrs: up to 3x

What is Not Covered?- Exclusions

Cost of investigation and evaluation
Rest cure, rehabilitation and respite care
Obesity or weight control measures
Cosmetic or plastic surgery
Injury due to hazardous or adventure sports
Breach of law
Treatment cost of alcoholism
Spas or nature cure clinics cost
Dental Treatment

Niva Bupa Health Insurance Network Hospital List

Niva Bupa Health Insurance Network Hospitals are present in 32 states nationwide. With a wide network of hospitals, Niva Bupa Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

How to Claim?

The company offers cashless claim settlement services for a hassle-free claim settlement. You can get treated at one of the network hospitals or diagnostic centres. In cashless claim settlement, you need to inform the company within 24 hours of the emergency admission, and 72 hours in case of the planned admission.

For cashless claim settlement, you can-

  • Visit the company page.
  • Click on the "claim settlement".
  • Enter your details and wait for the approval.

In case of emergency, you can just show your ID and health e-card to the network hospital of NIVA BUPA to avail of the services.

If you are getting medical services from a non-network hospital, then you can avail of reimbursement.

You need to follow these steps for reimbursement:

  • Inform the company within 30 days of getting discharged.
  • Visit the company website or call the customer care.
  • Fill in the details and required information.
  • Once the document is submitted, and approved, your claim will be processed within 7 days.

Documents required for reimbursement claim settlement process:

  • Discharge summary which is given by the hospital while discharging.
  • The final consolidated bill & detailed breakup bill.
  • Original receipts of all payments made to the hospital.
  • Prescriptions for medicines and pharmacy bills
  • Investigation & lab reports
  • In case of a road traffic accident, please submit an MLC/FIR.
  • Cancelled cheque
  • If the amount is below or equal to 1 Lakh, then you need to submit KYC documents
  • Angiography report & scanned original implant invoice along with payment receipts and implant labels/stickers for stents/mesh/IOL in case of coronary artery disease.
  • Road Traffic Accident: Copy of the First Information Report (FIR) from the Police Department, copy of the Medico-Legal Certificate (MLC), papers used during the first consultation, doctor's certificate confirming whether the patient was under the influence of alcohol or any drug at the time of incidence or not.
  • Blood test report & platelets report in cases of Dengue/Malaria/Typhoid.
  • Histopathology report in case of Cancer
  • Ultrasound report & certificate that confirms the obstetric history of Gravida, Para, Living children, or Abortions from treating doctor while going for Maternity Claim.
  • Ultrasound report and first consultation paper in case of Kidney stones/Gall stones.

Also, you can call PolicyX for help or any further information.

To Sum Up

Niva Bupa Aspire Start Young health insurance is a robust health insurance plan with a wide range of sum insured options. Not just that, loads of optional coverage features are available that can be used to enhance the insurance policy. With the additional benefit of global coverage and maternity benefits, you can customize the plan in the way you want to use it. These benefits are the key highlights of this plan. With global coverage, you can opt for the treatment in some of the best medical organisations in the world. Niva Bupa General Health Insurance is a reliable and trustworthy insurer with a high claim settlement that offers all-around protection to its customers.

Explore more plans from Niva Bupa

Niva Bupa Health Insurance company offers several tailored health plans that are designed to serve you in the best way possible. Take a look:

Comprehensive

A complete health insurance policy that covers you and your family with a wide range of SI (3 Lakh to 1 Crore) and continues to give you more benefits.

Unique Features

  • Covers a maximum of 6 members
  • Unlimited SI restoration
  • Coverage for modern treatments

Health Reassure Plan (Pros)

  • Booster benefit
  • Organ donor transplant
  • ReAssure
  • Live Healthy Benefit
  • Second Medical Opinion

Health Reassure Plan (Cons)

  • No OPD Cover
  • No Maternity Cover
  • No Sleep Disorder Covered
  • No Suicide Cover
  • No War Injury Cover

Health Reassure Plan (Other Benefits)

  • Air Ambulance
  • Hospital Cash
  • Personal Accident Cover
  • Domiciliary hospitalization
  • Day care treatment

Health Reassure Plan (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - No Age Limit
  • SI - 3 L to 1 Cr
  • Waiting Period - 30 Days

Comprehensive

An individual and family plan that covers all day care treatments, modern treatments, comes with a safeguard add-on and provides annual health check-ups.

Unique Features

  • No room rent capping
  • 20% no-claim bonus on SI
  • 100% SI restoration

Health Companion V2022 (Pros)

  • 5% Doctor Discount
  • 10% Family discount
  • Tenure Discounts of upto 15 %
  • Annual Aggregate Deductible
  • Home Care Treatments

Health Companion V2022 (Cons)

  • No OPD Cover
  • No Maternity Cover
  • Cosmetic Surgery Uncovered
  • Specific Diseases after 2 yrs
  • No Alcoholism Cover

Health Companion V2022 (Other Benefits)

  • Air Ambulance
  • Modern Treatments
  • Vaccination on Animal Bite
  • Organ Donor Benefit
  • Domiciliary treatments

Health Companion V2022 (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - No Age Limit
  • SI - 3 L to 1 Cr
  • Waiting Period - 30 Days

Comprehensive

A policy for you and your family which covers modern treatments, laser surgery, e-consultations, annual health check-ups, and coverage of 3 Crores.

Unique Features

  • Maternity Cover
  • International coverage
  • In-Built travel insurance

NivaBupa Health Premia (Pros)

  • Refill benefit for any illness
  • 10% Loyalty Additions in SI
  • Tenure Discounts of upto 15 %
  • Worldwide Maternity Benefit
  • In-patient care

NivaBupa Health Premia (Cons)

  • No OPD Cover
  • No HIV/AIDS Covered
  • 20% co-payment
  • Pre-existing Diseases after 2 yrs
  • Treatment for Alcoholism

NivaBupa Health Premia (Other Benefits)

  • Zonal Coverage available
  • Pharmacy and diagnostic services
  • Opt for additional features
  • Living Organ Donor Benefit
  • Premium waiver and portability

NivaBupa Health Premia (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 1 Cr
  • Waiting Period - 30 Days

Affordable

A budget-friendly health insurance plan that offers coverage to individuals and families with tailor-made benefits and great value for money.

Unique Features

  • No room rent capping
  • Up to 100% of SI restoration
  • 20% No Claim Bonus

NivaBupa Health Pulse (Pros)

  • Optional benefits available
  • 150% Refill Benefit
  • Annual Health Checkup
  • Emergency Ambulance
  • Living Organ Donor Benefit

NivaBupa Health Pulse (Cons)

  • Conflict and Disaster cases
  • 20% co-payment
  • No Maternity Benefit
  • Cosmetic surgeries
  • Treatment for Alcoholism

NivaBupa Health Pulse (Other Benefits)

  • Operation Theatre Coverage
  • Modern Treatments
  • Personal Accident Cover
  • e-Consultation
  • Daily Hospital Cash

NivaBupa Health Pulse (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 25 L
  • Waiting Period - 30 Days

Digital

NivaBupa Go Active

A modern-day digital insurance plan offering you cashless OPD and diagnostic services along with basic coverage and healthcare benefits.

Unique Features

  • Early age enrolment discounts
  • Annually 10 OPD consultations
  • No room rent capping

NivaBupa Go Active (Pros)

  • Pharmacy and Diagnostic Services
  • Domiciliary hospitalization
  • Personal Accident Benefit
  • Refill Benefit
  • Daily health coaching

NivaBupa Go Active (Cons)

  • Maternity Benefit Not available
  • Adventure Sports not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery Not Covered
  • War Injuries not covered

NivaBupa Go Active (Other Benefits)

  • Behavioural Assistance Program
  • Alternate Treatment
  • I-Protect option to increase SI
  • 2 % ICU Cover (per Day)
  • No Room Rent Sub Limit

NivaBupa Go Active (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 4 L to 25 L
  • Waiting Period - 30 Days

Comprehensive

A complete health plan, providing a wide range of medical benefits along with global emergency coverage.

Unique Features

  • Maternity & New born coverage
  • No room rent capping
  • 10% increase in SI annually

NivaBupa Heart Beat (Pros)

  • Additional Coverage
  • 10% Loyalty Benefit
  • Annual Health Check ups
  • Refill benefits
  • Coverage out of hospitals

NivaBupa Heart Beat (Cons)

  • Obesity Treatment not covered
  • Hazardous Activities not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Injuries due to breach of law

NivaBupa Heart Beat (Other Benefits)

  • OPD Consultations
  • Alternative Treatments
  • New Born Baby Cover
  • Pharmacy and diagnostic services
  • No WP up to 45 years

NivaBupa Heart Beat (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

Affordable

NivaBupa Super Saver

An individual and family health plan, providing a cover of up to 1 crore at affordable premiums combined with advanced features and benefits.

Unique Features

  • Up to 200% of SI as NCB
  • Up to 150% of SI restoration
  • Unlimited e-consultation

NivaBupa Super Saver (Pros)

  • Day 1 Health check-up
  • No pre-issuance medical tests
  • Ambulance cover up to Rs 2000
  • ReAssure Benefit
  • No sub-limits

NivaBupa Super Saver (Cons)

  • No Maternity Benefit
  • Adventure Sports not covered
  • STDs not covered
  • Cosmetic Surgery Not Covered
  • Self Inflicted Injuriesnot covered

NivaBupa Super Saver (Other Benefits)

  • Air Ambulance Cover
  • Health Checkup
  • Organ Donor Benefit
  • Ayush Benefit
  • Room selection Option

NivaBupa Super Saver (Eligibility Criteria)

  • Entry Age - 61 Years
  • Max Entry Age - 75 Years
  • SI - 5 L to 25 L
  • Waiting Period - 30 Days

Top-up plan

A super top-up plan providing extra coverage to you and your family on the basis of deductible with SI options of up to 95 lakhs.

Unique Features

  • No room rent capping
  • Unlimited E-consultation available
  • Pharmacy and diagnostic services

NivaBupa Health Recharge (Pros)

  • Loyalty Additions up to 50%
  • Pharmacy and Diagnostic Services
  • Personal Accident Cover
  • Easy Plan Convertibility
  • Day Care Treatments Coverage

NivaBupa Health Recharge (Cons)

  • Maternity Treatment not covered
  • Pre-existing Diseases not covered
  • Alcoholism not covered
  • Dietary Supplements not covered
  • No COVID-19 cover

NivaBupa Health Recharge (Other Benefits)

  • Intensive Care Unit charges
  • Domiciliary treatment
  • HIV / AIDS Treatment Covered
  • Artificial Life Maintenance Benefit
  • Room Rent (per day) Up to 1%

NivaBupa Health Recharge (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 2 Lakh - 95 Lakh
  • Waiting Period - 30 Days

Critical Illness

Buy a cover of up to 2 crores to secure you and your loved ones against 20 major critical illnesses with the Niva Bupa CritiCare plan.

Unique Features

  • Daily hospital cash
  • Accident care available
  • Lifelong renewability

NivaBupa CritiCare (Pros)

  • 20 critical illnesses Covered
  • Long-term tenure savings
  • Different pay-out options
  • Tax benefits
  • Direct claim settlement

NivaBupa CritiCare (Cons)

  • Accident Death
  • No Total Disability Cover
  • AIDS Not Covered
  • Child Education Benefit
  • Funeral Expenses

NivaBupa CritiCare (Other Benefits)

  • Flexibility Plan Options
  • Surgeon's Fee Covered
  • Renewal for life
  • Diagnostic Procedures/Therapies
  • Prosthetic Implants Covered

NivaBupa CritiCare (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 3 Cr
  • Waiting Period - 30 Days

Personal Accident

Offers personal accident cover of up to 2 crores on an individual and family floater basis. Pays 100% of SI to your family in case of accidental death.

Unique Features

  • Global coverage available
  • Child education benefit
  • Permanent Disability Cover

AccidentCare (Pros)

  • Funeral Expenses
  • Accidental OPD
  • Adventure Sports Cover
  • Elderly Care Cover
  • Burns Cover

AccidentCare (Cons)

  • No Alcohol Ailment Cover
  • No Cosmetic Surgery
  • No Obesity Surgery
  • No Suicide Cover
  • No War Injury Cover

AccidentCare (Other Benefits)

  • Air Ambulance
  • Broken Bone/Fracture
  • Head & Spinal Injury
  • Marriage Expenses for Children
  • Comatose Cover

AccidentCare (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - No Age Limit
  • SI - 3 L to 5l
  • Waiting Period - 30 Days

Comprehensive and Top-Up plan

NivaBupa Money Saver

A unique health insurance plan that combines the benefits of basic SI and top-up cover to offer enhanced protection to individuals and families.

Unique Features

  • 100% SI restoration
  • Unlimited e-consultation
  • No room rent capping

NivaBupa Money Saver (Pros)

  • All Day Care Procedures covered
  • Accumulated Bonus
  • 100% Refill Benefit
  • 20% cumulative bonus
  • Organ Transplantation Covered

NivaBupa Money Saver (Cons)

  • No Maternity Benefit
  • Adventure Sports not covered
  • STDs not covered
  • Cosmetic Surgery Not Covered
  • Self Inflicted Injuriesnot covered

NivaBupa Money Saver (Other Benefits)

  • Road Ambulance Cover
  • Alternate Treatment
  • Pharmacy and Diagnostic Services
  • Hassle-Free Claims
  • Pre & Post Hospitalisation

NivaBupa Money Saver (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 10.5 L to 1 Cr
  • Waiting Period - 30 Days

Senior Citizen

A plan providing comprehensive protection to senior citizens with multiple coverage options counting from 5 - 25 Lakhs.

Unique Features

  • Coverage for modern treatments
  • Multiple co-payment options
  • Unlimited SI restoration

NivaBupa Senior First (Pros)

  • 3 Variant Available
  • No pre-issuance medical tests
  • Day 1 Health Check-up
  • Safeguard (Add-on)
  • Day Care Treatment

NivaBupa Senior First (Cons)

  • No Critical Illness Cover
  • 50% Co-payment
  • No Specific Diseases Covered
  • No Pre-existing Disease Cover
  • Self Inflicted Injuriesnot covered

NivaBupa Senior First (Other Benefits)

  • ReAssure Benefit
  • Domiciliary Hospitalization
  • Organ Donor Benefit
  • Ayush Benefit
  • Annual Aggregate Deductible

NivaBupa Senior First (Eligibility Criteria)

  • Entry Age - 61 Years
  • Max Entry Age - 75 Years
  • SI - 5 L to 25 L
  • Waiting Period - 30 Days

Comprehensive Plan

Niva Bupa Reassure 2.0 provides insurance holders with a high sum insured through their platinum, titanium, and bronze variants along with a multitude of other features.

Unique Features

  • Booster+ Benefit
  • Lock premiums at entry age
  • Health check-ups from day 1

Health ReAssure 2.0 Plan (Pros)

  • Personal accidents covered
  • Acute Care
  • Emergency Ambulance
  • Three Plan variants
  • Home Care Treatments

Health ReAssure 2.0 Plan (Cons)

  • No OPD Cover
  • No Maternity Cover
  • No Sleep Disorder Covered
  • Pre-Existing Diseases after 3 yrs.
  • Alcoholism not covered

Health ReAssure 2.0 Plan (Other Benefits)

  • Air Ambulance
  • Modern Treatments
  • Second Opinion
  • Booster Benefit
  • Shared Accommodation Benefit

Health ReAssure 2.0 Plan (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - No Age Limit
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

Suraksha Plan

Niva Bupa Saral Suraksha Bima

A personal accident insurance policy that offers a lump sum compensation in case of permanent disability or death resulting from an accident.

Unique Features

  • Large Sum Insured
  • High sum insured
  • Up to 50 % Cumulative Bonus

Saral Suraksha Bima (Pros)

  • Accidental Death Covered
  • Pay Rs 296 monthly as premium
  • Education Grant to children
  • Temporary Total Disablement
  • Hospitalisation due to an accident

Saral Suraksha Bima (Cons)

  • No Maternity Benefit
  • No Disablement Claims
  • War Injuries not covered
  • Accident through intoxication
  • COVID-19 death not covered

Saral Suraksha Bima (Other Benefits)

  • 30-minute cashless claims
  • Paperless Reimbursement
  • Road Ambulance Covered
  • Emergency Treatment Covered
  • Hassle Free Renewal Process

Saral Suraksha Bima (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 2.5 L to 1 Cr
  • Waiting Period - 30 Days

Corona Plan

Niva Bupa Corona Kavach

The plan covers you and your family against COVID-19, covers the Comorbidities arising out of COVID, and imposes no room rent capping.

Unique Features

  • Ventilator Expenses Included
  • PPE Kit expense Included
  • Covers ICU Charges

Niva Bupa Corona Kavach (Pros)

  • Home Care Treatment Expenses
  • Hospitalisation Coverage
  • Pre and Post Hospitalisation
  • Hassle-free Claims
  • AYUSH Treatments Coverage

Niva Bupa Corona Kavach (Cons)

  • OPD and Day Care Treatment
  • Evaluation and Investigations
  • Rehabilitation
  • Dietary supplements
  • COVID Claim

Niva Bupa Corona Kavach (Other Benefits)

  • Coverage for Parents & PILs
  • Coverage for Dependent Children
  • Road Ambulance Covered
  • Hospital Daily Cash
  • Spouse Cover Available

Niva Bupa Corona Kavach (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 50 Thousand to 5 Lakh
  • Waiting Period - 30 Days

Niva Bupa- Aspire Start Young Plan: FAQs

1. What is the entry age for the Niva Bupa Aspire Start Young Plan?

The entry age for the plan is 18 years.

2. Does the Niva Bupa Aspire Plan cover maternity expenses?

Yes, the Niva Bupa Aspire Plan provides comprehensive coverage for maternity under the M-iracle benefits.

3. Does the Niva Bupa Aspire Plan provide global coverage?

Yes, the plan allows you for overseas treatment.

4. What is the initial waiting period for the Niva Bupa Aspire plan?

The initial waiting period for the Niva Bupa Aspire plan is 30 days.

5. What are the exclusive benefits Niva Bupa Aspire Plan offer?

Niva Bupa Aspire offers M-iracle, Booster+, Fast Forward and Lock-the-Clock/Lock-the-Clock+ benefits.

6. How many variants does the Niva Bupa Aspire Plan have?

Niva Bupa Aspire plan has 4 variants which are, Gold+, Diamond+, Platinum+, and Titanium+

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Read Reviews & Ratings

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Bhawani Singh Chikliya

Kolkata

February 16, 2024

I highly recommend reaching out to PolicyX.com before buying health insurance. They are great at what they do, and they& 039;ve helped me get an all-in-one Niva Bupa health insurance for my sen...

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Akash Soni

Gandhinagar

February 16, 2024

I am really happy with the customer service of PolicyX. I got my health insurance policy from Niva Bupa, and the members of the team helped me prepare my mind and finances for the policy.

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Simran Pahuja

Ludhiana

February 16, 2024

I want to purchase a health insurance plan that will cover my wife and kids. I am so grateful to PolicyX who helped me choose Niva Bupa Aspire Plan.

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Tushar

Rajkot

February 16, 2024

The Niva Bupa Aspire Health plan helped us with our IVF journey which we were not expecting to be covered by a health insurer. This incredible health plan was suggested by PolicyX insurance exp...

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Sahil Mudgal

Agra

February 16, 2024

No wonder Niva Bupa provides very good health plans as compared to other big insurance companies in the market. But buying a policy becomes more convenient with PolicyX.

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Sunaina Jain

Chennai

February 14, 2024

I got a complete detail about the existing health insurance policies in India. They provided me with the comparison sheet and helped me choose the right policy for me and my family which is Niv...

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Sangram Sinha

Hyderabad

February 14, 2024

I started looking for a health insurance policy when I turned 20. Then I came across PolicyX.com. They helped me choose the right individual policy

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Varun Goila

Kolkata

February 2, 2024

I’m just 23 and on the suggestion of PolicyX experts I bought a newly launched NivaBupa Young Aspire plan which I think is a good purchase for youngsters like me.

View All Niva Bupa Health Insurance Reviews

Simran Saxena

Written By: Simran Saxena

An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Traveling and writing is her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and solves the reader’s query seamlessly.