Niva Bupa Aspire Plan

  • Global Treatment
  • Provides Maternity Cover
  • Lock the Clock
Niva Bupa Aspire Plan
premium

Network hospitals

10190+

premium

Incurred claim ratio

100%

premium

Sum insured

Up to 2 Cr

premium

No. of Plans

1

premium

Solvency Ratio

1.7

premium

Pan India Presence

320+

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

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:

  • Gold+
  • Diamond+
  • Platinum+
  • 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 Niva Bupa Aspire 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 Plan Specifications

To understand Niva Bupa Aspire Plan Insurance in detail, take a look at the below table:

Entry Age

18 years

Policy Type

Individual and Family Health Insurance

Sum Insured

3L | 5L | 7.5L | 10L | 15L | 20L | 25L | 50L | 1 Cr

Initial Waiting Period*

30 Days Days

Renewability

N/A

Policy Term

2 and 3 Years

*Initial Waiting Period is the time 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 brochure.

Choose Your Niva Bupa Aspire Plan

With wide coverage options available, Niva Bupa Aspire Plan Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:

In-patient & Out-patient coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered

Post-Hospitalization

Covered

Domiciliary Hospitalization

Covered

Daycare Treatment

Covered

OPD Charges

Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Covered

No Claim Bonus

Covered

Automatic Restoration

Covered

Daily Hospital Cash

Covered

Organ Donor

Covered

Maternity Cover

Covered

New Born Baby Cover

Covered

Alternative Treatments

AYUSH Treatment

Covered

IVF Treatment

Covered

Modern Treatment

Covered

Emergency Coverage

Ambulance

Covered

Air Ambulance

Covered

Compassionate Travel

Not Covered

Global Coverage

Covered

Wellness Programmes

E-Consultation

Covered

Health Check-Up

Covered

Second Medical Opinion

Covered

Vaccination

Covered

Limitations

Co-payment

Covered

Sub-limits

Not Covered

What is Room Rent?

The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).

What are ICU Charges?

It is a special hospital department where patients with serious medical conditions are treated.

What is Pre Hospitalization?

Medical expenses incurred before hospitalisation of the policyholder.

What is Post Hospitalization?

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

What is Domiciliary Hospitalization?

Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.

What is Daycare Treatment?

Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.

What are OPD charges?

Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .

What is COVID-19 Treatment?

It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.

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 or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.

What is Automatic Restoration?

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

What is Daily Hospital Cash?

Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.

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. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.

What is a Maternity Cover?

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

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. 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
  • Daycare treatment
What is AYUSH Treatment?

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

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 settled or reimbursed for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)
What is a Modern Treatment?

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

What is an Ambulance Cover?

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

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.

What is Compassionate Travel?

Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.

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.

What is a Health Checkup?

A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.

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.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.

What is Co-payment?

In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.

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. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.

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.

Specifications of Niva Bupa Aspire Variants

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

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Niva Bupa Aspire Plan Network Hospital List

Niva Bupa Aspire Plan Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Niva Bupa Aspire Plan ensures that you are medically secured, irrespective of the city you reside in.

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

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:

  • 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.

Steps for reimbursement claim:

  • 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 visit 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 other Niva Bupa Health Insurance

To cater to the different medical needs of an individual & their family, Niva Bupa Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to/health-insurance/articles/ explore more:

Critical Illness Health Insurance

Niva Bupa Critical Illness Health dangers are rapidly increasing in today’s fast-paced world, which includes some chronic life-threatening disea...

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Individual and Family Health Insurance

Niva Bupa Aspire Health Insurance Plan "Introducing a health insurance that rewards you for starting young." A plan that allows you to go for oversea...

Unique Features

  • Global Treatment
  • Provides Maternity Cover
  • Lock the Clock

Niva Bupa Aspire Plan (Pros)

Niva Bupa Aspire Plan
  • Overseas treatment coverage
  • Booster benefit
  • Covers organ donor transplant
  • Second medical opinion
  • Teleconsultation

Niva Bupa Aspire Plan (Cons)

Niva Bupa Aspire Plan
  • No suicide cover
  • No war injury cover
  • Baby food & utility charges excluded
  • Laundry charges excluded
  • No certificate charges

Niva Bupa Aspire Plan (Other Benefits)

Niva Bupa Aspire Plan
  • 4 unique variants of the plan
  • Cash-bag benefit
  • WellConsult OPD Wallet
  • Cashless claim settlement
  • AYUSH Treatment

Niva Bupa Aspire Plan (Eligibility Criteria)

Niva Bupa Aspire Plan
  • Entry age - 18 years
  • Max entry age - No age limit
  • SI - INR 3L to 1 Cr
  • Waiting Period - 30 days

Individual and Family Health Insurance

Niva Bupa Arogya Sanjeevani Policy With all the haze of ‘this policy is not gonna work for every medical emergency’, don’t get foole...

Unique Features

  • COVID-19 treatment coverage
  • Pre and post-hospitalisation cover
  • Lower co-pay on your claims

Arogya Sanjeevani Policy (Pros)

Arogya Sanjeevani Policy
  • COVID-19 coverage
  • Cumulative bonus
  • AYUSH treatment
  • Room rent cover
  • Preventive health check-ups

Arogya Sanjeevani Policy (Cons)

Arogya Sanjeevani Policy
  • No maternity cover
  • COVID-19 care not covered
  • Home care treatment is not covered
  • OPD not covered
  • Ambulance cover not available

Arogya Sanjeevani Policy (Other Benefits)

Arogya Sanjeevani Policy
  • Individual & family floater plan
  • Cashless claim settlement
  • Upto 2 Cr SI
  • Premiums are affordable

Arogya Sanjeevani Policy (Eligibility Criteria)

Arogya Sanjeevani Policy
  • Min. Entry Age - 3 Months - 25 Years
  • Adult Entry Age - 18 - 65 Years
  • SI - 50000 - 10 L
  • Initial Waiting Period - 30 Days

Top Up and Super Top Up

Niva Bupa (Formerly known as Max Bupa) Health Recharge Go an extra mile for the health of your family with Niva Bupa Health Recharge Niva Bupa Health ...

Unique Features

  • Get covered for HIV/AIDS
  • Loyalty addition of 5% on SI
  • Discounts on pharmacy and diagnostic services

Niva Bupa Health Recharge (Pros)

Niva Bupa Health Recharge
  • Loyalty addictions up to 50%
  • Pharmacy and diagnostic services
  • Personal accident cover
  • Easy plan convertibility
  • Easy plan convertibility
  • Day care treatment coverage

Niva Bupa Health Recharge (Cons)

Niva Bupa Health Recharge
  • Maternity treatment not covered
  • Pre-exisiting diseases not covered
  • Alcoholism not covered
  • Dietary supplements not covered
  • No COVID-19 cover

Niva Bupa Health Recharge (Other Benefits)

Niva Bupa Health Recharge
  • Intensive care unit charge
  • Domiciliary treatment
  • HIV/AIDS treatment covered
  • Artificial life maintenance benefits
  • Room rent per day up to 1%

Niva Bupa Health Recharge (Eligibility Criteria)

Niva Bupa Health Recharge
  • Min- 18 years
  • Max- 65 years

Individual and Family Health Insurance

Niva Bupa GoActiveTM Health Insurance plan Your Niva Bupa GoActiveTM plan has exclusive features to provide for all your health insurance ne...

Unique Features

  • Personal accident coverage
  • Home health care cover
  • Early age AdvantAGE benefit

Niva Bupa GoActive (Pros)

Niva Bupa GoActive
  • Pharmacy and diagnostic services
  • Domiciliary hospitalisation
  • Personal accident benefits
  • Refill benefits
  • Daily health coaching

Niva Bupa GoActive (Cons)

Niva Bupa GoActive
  • Maternity benefit not available
  • Adventure sports not covered
  • HIV/AIDS not covered
  • Cosmetic surgery not covered
  • War injuries not covered

Niva Bupa GoActive (Other Benefits)

Niva Bupa GoActive
  • Behavioural Assistance Program
  • Alternative treatment
  • I-Protect options to increase SI
  • 2% ICU cover per day. No room rent capping

Niva Bupa GoActive (Eligibility Criteria)

Niva Bupa GoActive
  • Min. Entry age- 18 Years
  • Max. Entry Age- 65 Years
  • SI - 4 - 10 L
  • Initial Waiting Period - 30 Days

Individual and Family Health Insurance

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Unique Features

  • Lifetime renewability
  • Unlimited e-consultations
  • Cover for modern treatments

Niva Bupa Super Saver Policy (Pros)

Niva Bupa Super Saver Policy
  • Annual health check-up included
  • Pharmacy and diagnostic services included
  • Domiciliary treatment covered

Niva Bupa Super Saver Policy (Cons)

Niva Bupa Super Saver Policy
  • Investigation and evaluation not included
  • Any conflict or disaster not included
  • Maternity expenses is excluded

Niva Bupa Super Saver Policy (Other Benefits)

Niva Bupa Super Saver Policy
  • Lifetime renewability
  • Unlimited e-consultations
  • Cover for modern treatments

Niva Bupa Super Saver Policy (Eligibility Criteria)

Niva Bupa Super Saver Policy
  • Min. Entry Age - 18 Years
  • Max. Entry Age - 65 Years
  • SI - 10.5 L - 1 Cr
  • Initial Waiting Period - 30 Days

Individual and Family Health Insurance

Niva Bupa ReAssure Health Plan A plan that keeps giving you more. Niva Bupa Health ReAssure is specially designed to protect you and your family durin...

Unique Features

  • Coverage for Modern Treatments
  • Live Healthy Benefit
  • Get Personal Accident Coverage

Niva Bupa ReAssure Plan (Pros)

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

Niva Bupa ReAssure Plan (Cons)

Niva Bupa ReAssure Plan
  • No OPD Cover
  • No Maternity Cover
  • No Sleep Disorder Covered
  • No Suicide Cover
  • No War Injury Cover

Niva Bupa ReAssure Plan (Other Benefits)

Niva Bupa ReAssure Plan
  • Air Ambulance
  • Hospital Cash
  • Personal Accident Cover
  • Domiciliary hospitalization
  • Day care treatment

Niva Bupa ReAssure Plan (Eligibility Criteria)

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

Individual and Family Health Insurance

Niva Bupa Health Companion Plan The Smart Just Got Smarter The all-new, improved and comprehensive plan that will keep you and your family, financiall...

Unique Features

  • No-claim Bonus up to 100% of SI
  • No Room Rent Capping
  • Vaccination for Animal Bite

Niva Health Companion (Pros)

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

Niva Health Companion (Cons)

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

Niva Health Companion (Other Benefits)

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

Niva Health Companion (Eligibility Criteria)

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

Individual and Family Health Insurance

Niva Bupa Reassure 2.0 Health Plan Nothing Seems Impossible  A comprehensive plan that gives coverage against any medical emergency for you and y...

Unique Features

  • High Sum Insured
  • Lock Your Premiums
  • Booster+ Benefit

Niva Bupa Reassure 2.0 Health Plan (Pros)

Niva Bupa Reassure 2.0 Health Plan
  • Personal accidents covered
  • Acute Care
  • Emergency Ambulance
  • Three Plan variants
  • Home Care Treatments

Niva Bupa Reassure 2.0 Health Plan (Cons)

Niva Bupa Reassure 2.0 Health Plan
  • No OPD Cover
  • No Maternity Cover
  • No Sleep Disorder Covered
  • Pre-Existing Diseases after 3 yrs.
  • Alcoholism not covered

Niva Bupa Reassure 2.0 Health Plan (Other Benefits)

Niva Bupa Reassure 2.0 Health Plan
  • Air Ambulance
  • Modern Treatments
  • Second Opinion
  • Booster Benefit
  • Shared Accommodation Benefit

Niva Bupa Reassure 2.0 Health Plan (Eligibility Criteria)

Niva Bupa Reassure 2.0 Health Plan
  • Entry Age - 18 Years
  • Max Entry Age - No Age Limit
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

Individual and Family Health Insurance

Niva Bupa Health Premia Niva Bupa Health Premia is a comprehensive health insurance plan that offers complete coverage to an individual and their fami...

Unique Features

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Niva Bupa Health Premia Plan (Pros)

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

Niva Bupa Health Premia Plan (Cons)

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

Niva Bupa Health Premia Plan (Other Benefits)

Niva Bupa Health Premia Plan
  • Zonal Coverage available
  • Pharmacy and diagnostic services
  • Opt for additional features
  • Living Organ Donor Benefit
  • Premium waiver and portability

Niva Bupa Health Premia Plan (Eligibility Criteria)

Niva Bupa Health Premia Plan
  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 1 Cr
  • Waiting Period - 30 Days

Individual and Family Health Insurance

Niva Bupa (Formerly known as Max Bupa) Health Pulse Go an extra mile for the health of your family with Niva Bupa Health Recharge Niva Bupa Health Pul...

Unique Features

  • Know About Max Bupa Health Pulse Plan
  • Eligibility and Age Restrictions
  • Learn More About Its Key Features

Niva Bupa Health Pulse (Pros)

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

Niva Bupa Health Pulse (Cons)

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

Niva Bupa Health Pulse (Other Benefits)

Niva Bupa Health Pulse
  • Operation Theatre Coverage
  • Modern Treatments
  • Personal Accident Cover
  • e-Consultation
  • Daily Hospital Cash

Niva Bupa Health Pulse (Eligibility Criteria)

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

Senior Citizen Health Insurance

Niva Bupa Senior First Plan Niva Bupa Senior First is a senior citizen health plan packaged with features that give policyholders the assurance of goo...

Unique Features

  • High-sum insured options
  • Rewards and loyalty benefits
  • Multiple plan variants

Niva Bupa Senior First Plan (Pros)

Niva Bupa Senior First Plan
  • High-sum insured options
  • Rewards and loyalty benefits
  • Multiple plan variants

Niva Bupa Senior First Plan (Cons)

Niva Bupa Senior First Plan
  • ICU charges not covered
  • OPD coverage not available
  • Second medical opinion not available

Niva Bupa Senior First Plan (Other Benefits)

Niva Bupa Senior First Plan
  • No sub-limits are applicable for common health conditions
  • Waive off co-payment on applying deductibles
  • No mandatory pre-issuance medical tests

Niva Bupa Senior First Plan (Eligibility Criteria)

Niva Bupa Senior First Plan
  • Min. Entry Age - 61 Years
  • Max. Entry Age - 75 Years
  • SI - 5 - 25 L
  • Initial Waiting Period - 30 Days

Individual and Family Health Insurance

Niva Bupa Personal Accident Care Plan Niva Bupa, formerly known as Max Bupa, is a leading health insurance company in India with a collaboration betwe...

Unique Features

  • Child Education Benefit
  • Funeral Expenses Covered
  • Total and Partial Disability Covered

Niva Bupa Personal Accident Care Plan (Pros)

Niva Bupa Personal Accident Care Plan
  • Child education benefit
  • Funeral expenses covered
  • Total and partial disability covered

Niva Bupa Personal Accident Care Plan (Cons)

Niva Bupa Personal Accident Care Plan
  • Adventure sports not covered
  • No coverage for cosmetic procedures
  • Self-harm not covered

Niva Bupa Personal Accident Care Plan (Other Benefits)

Niva Bupa Personal Accident Care Plan
  • Lifetime renewability offered
  • Long-term discounts
  • High sum insured options

Niva Bupa Personal Accident Care Plan (Eligibility Criteria)

Niva Bupa Personal Accident Care Plan
  • Min. Entry Age - 18 Years
  • Max. Entry Age - 65 Years
  • SI - 5 L - 5 Cr
  • Initial Waiting Period - 30 Days

Critical Illness Health Insurance

Niva Bupa CritiCare: Critical Illness Insurance Policy CritiCare, a plan that gives health and financial protection to you and your family against 20 ...

Unique Features

  • Enhanced Coverage option
  • Check the Eligibility
  • Illustration of Sample Premium Rates

Niva Bupa Criti Care Plan (Pros)

Niva Bupa Criti Care Plan
  • 20 critical illnesses covered
  • Long-term tenure savings
  • Different pay-out options
  • Tax benefits
  • DIrect claim settlement

Niva Bupa Criti Care Plan (Cons)

Niva Bupa Criti Care Plan
  • Accident death
  • No total disability cover
  • AIDS not covered
  • Child education benefit
  • Funeral expenses

Niva Bupa Criti Care Plan (Other Benefits)

Niva Bupa Criti Care Plan
  • Flexibility plan options
  • Surgeon fees covered
  • Renewal for life
  • Diagnostic Procedures/Therapies
  • Prosthetic implants covered

Niva Bupa Criti Care Plan (Eligibility Criteria)

Niva Bupa Criti Care Plan
  • Min- 18 years
  • Max- 65 years

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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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.