Network hospitals
10190+
Incurred claim ratio
100%
Sum insured
Up to 2 Cr
No. of Plans
1
Solvency Ratio
1.7
Pan India Presence
320+
"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:
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.
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:
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.
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.
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.
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.
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.
With the WellConsult benefit, you can get complete wellness and OPD benefits. Here is the list of all the exclusive benefits for you:
To understand Niva Bupa Aspire Plan Insurance in detail, take a look at the below table:
18 years
Individual and Family Health Insurance
3L | 5L | 7.5L | 10L | 15L | 20L | 25L | 50L | 1 Cr
30 Days Days
N/A
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.
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:
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Covered
Daycare Treatment
Covered
OPD Charges
Covered
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
AYUSH Treatment
Covered
IVF Treatment
Covered
Modern Treatment
Covered
Ambulance
Covered
Air Ambulance
Covered
Compassionate Travel
Not Covered
Global Coverage
Covered
E-Consultation
Covered
Health Check-Up
Covered
Second Medical Opinion
Covered
Vaccination
Covered
Co-payment
Covered
Sub-limits
Not Covered
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).
It is a special hospital department where patients with serious medical conditions are treated.
Medical expenses incurred before hospitalisation of the policyholder.
Medical expenses incurred after the discharge of the policyholder from the hospital.
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.
Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .
It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.
A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.
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.
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.
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.
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.
It refers to the cover that includes expenses for normal and c-section deliveries.
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:
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) 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:
Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.
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.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
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.
Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.
If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
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.
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 against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.
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.
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 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:
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 |
Niva Bupa Aspire Health Plan | Best Health Insurance 2024 |
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.
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.
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.
Also, you can visit PolicyX for help or any further information.
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.
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:
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The entry age for the plan is 18 years.
Yes, the Niva Bupa Aspire Plan provides comprehensive coverage for maternity under the M-iracle benefits.
Yes, the plan allows you for overseas treatment.
The initial waiting period for the Niva Bupa Aspire plan is 30 days.
Niva Bupa Aspire offers M-iracle, Booster+, Fast Forward and Lock-the-Clock/Lock-the-Clock+ benefits.
Niva Bupa Aspire plan has 4 variants which are, Gold+, Diamond+, Platinum+, and Titanium+
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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.
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