Niva Bupa Aspire 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

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

Niva Bupa Health Insurance Network Hospital List

Niva Bupa Health Insurance Network Hospitals are present in 31 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.

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Know More About Network Hospital

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 Niva Bupa Health Insurance plans 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 diseases. Anyone can have a critical i...

Unique Features

Features and Benefits
Eligibility and Coverage
Need For Critical Illness Plans?

Niva Bupa Critical Illness (Pros)

Covers 20 critical illness
Accident care benefits
Direct claim settlement

Niva Bupa Critical Illness (Cons)

Cosmetic procedures not covered
Self-harm not covered
Obesity-related treatments not covered

Niva Bupa Critical Illness (Other Benefits)

Cataract treatments
Domestic emergency evacuation
Compassionate travel

Niva Bupa Critical Illness (Eligibility Criteria)

Entry age: 18 - 65 Years
SI: 5 L - 5 Cr
Policy Term: 1/2/3 Years
Initial Waiting Period: 90 Days

Individual and Family Health Insurance

Niva Bupa Aspire Plan

"Introducing a health insurance that rewards you for starting young." A plan that allows you to go for overseas treatment. Several health insurance p...

Unique Features

Global Treatment
Provides Maternity Cover
Lock the Clock

Niva Bupa Aspire Plan (Pros)

Overseas treatment coverage
Booster benefit
Covers organ donor transplant
Second medical opinion
Teleconsultation

Niva Bupa Aspire Plan (Cons)

No suicide cover
No war injury cover
Baby food & utility charges excluded
Laundry charges excluded
No certificate charges

Niva Bupa Aspire Plan (Other Benefits)

4 unique variants of the plan
Cash-bag benefit
WellConsult OPD Wallet
Cashless claim settlement
AYUSH Treatment

Niva Bupa Aspire Plan (Eligibility Criteria)

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

Arogya Sanjeevani Policy

With all the haze of 'this policy is not gonna work for every medical emergency', don't get fooled again. Niva Bupa Arogya Sanjeevani health policy is...

Unique Features

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

Arogya Sanjeevani Policy (Pros)

COVID-19 coverage
Cumulative bonus
AYUSH treatment
Room rent cover
Preventive health check-ups

Arogya Sanjeevani Policy (Cons)

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)

Individual & family floater plan
Cashless claim settlement
Upto 2 Cr SI
Premiums are affordable

Arogya Sanjeevani Policy (Eligibility Criteria)

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 Health Recharge

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

Unique Features

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

Niva Bupa Health Recharge (Pros)

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)

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)

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)

Min- 18 years
Max- 65 years

Individual and Family Health Insurance

Niva Bupa GoActive

Your Niva Bupa GoActiveTM plan has exclusive features to provide for all your health insurance needs. There could be several incidences that lead us t...

Unique Features

Personal accident coverage
Home health care cover
Early age AdvantAGE benefit

Niva Bupa GoActive (Pros)

Pharmacy and diagnostic services
Domiciliary hospitalisation
Personal accident benefits
Refill benefits
Daily health coaching

Niva Bupa GoActive (Cons)

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)

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)

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

Individual and Family Health Insurance

Niva Bupa Super Saver Policy

Niva Bupa Super Saver is a comprehensive health insurance plan that consists of two separate plans- Niva Bupa Health Pulse and Niva Bupa Health Recha...

Unique Features

Lifetime renewability
Unlimited e-consultations
Cover for modern treatments

Niva Bupa Super Saver Policy (Pros)

Annual health check-up included
Pharmacy and diagnostic services included
Domiciliary treatment covered

Niva Bupa Super Saver Policy (Cons)

Investigation and evaluation not included
Any conflict or disaster not included
Maternity expenses is excluded

Niva Bupa Super Saver Policy (Other Benefits)

Lifetime renewability
Unlimited e-consultations
Cover for modern treatments

Niva Bupa Super Saver Policy (Eligibility Criteria)

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 Money Saver Plan

Niva Bupa Money Saver health insurance plan is a combination of two separate health plans- Niva Bupa Health Companion and Niva Bupa Health Recharge. I...

Unique Features

Unlimited e-consultations
No Room Rent Capping
Lifelong Renewability

Niva Bupa Money Saver Plan (Pros)

All day care procedures covered
Every claim free year adds up to 20% of base sum insured as bonus
Accumulated bonus doesn& 039;t reduce even after claim

Niva Bupa Money Saver Plan (Cons)

Oral or dental treatment not covered
Cure and rehabilitation not covered
Incidental diagnostic procedures not covered

Niva Bupa Money Saver Plan (Other Benefits)

Niva Bupa Money Saver Plan (Eligibility Criteria)

Minimum- 3 Months Maximum- 65 Years

Individual and Family Health Insurance

Niva Bupa ReAssure Plan

A plan that keeps giving you more. Niva Bupa Health ReAssure is specially designed to protect you and your family during medical emergencies. It gives...

Unique Features

Coverage for Modern Treatments
Live Healthy Benefit
Get Personal Accident Coverage

Niva Bupa ReAssure Plan (Pros)

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

Niva Bupa ReAssure Plan (Cons)

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

Niva Bupa ReAssure Plan (Other Benefits)

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

Niva Bupa ReAssure Plan (Eligibility Criteria)

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 Health Companion

The Smart Just Got Smarter The all-new, improved and comprehensive plan that will keep you and your family, financially secure during any unexpected m...

Unique Features

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

Niva Health Companion (Pros)

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

Niva Health Companion (Cons)

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

Niva Health Companion (Other Benefits)

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

Niva Health Companion (Eligibility Criteria)

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 your family members. One of the various fu...

Unique Features

High Sum Insured
Lock Your Premiums
Booster+ Benefit

Niva Bupa Reassure 2.0 Health Plan (Pros)

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

Niva Bupa Reassure 2.0 Health Plan (Cons)

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)

Air Ambulance
Modern Treatments
Second Opinion
Booster Benefit
Shared Accommodation Benefit

Niva Bupa Reassure 2.0 Health Plan (Eligibility Criteria)

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 Plan

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

Unique Features

Benefits and Features of Health Premia
Comparison of Silver Gold and Platinum
Sample Premium Rates of Plan

Niva Bupa Health Premia Plan (Pros)

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)

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)

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)

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 Health Pulse

Go an extra mile for the health of your family with Niva Bupa Health Recharge Niva Bupa Health Pulse Plan protects you and your family's health and pr...

Unique Features

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

Niva Bupa Health Pulse (Pros)

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

Niva Bupa Health Pulse (Cons)

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

Niva Bupa Health Pulse (Other Benefits)

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

Niva Bupa Health Pulse (Eligibility Criteria)

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 good health at all times. So wh...

Unique Features

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

Niva Bupa Senior First Plan (Pros)

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

Niva Bupa Senior First Plan (Cons)

ICU charges not covered
OPD coverage not available
Second medical opinion not available

Niva Bupa Senior First Plan (Other Benefits)

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)

Min. Entry Age - 61 Years
Max. Entry Age - 75 Years
SI - 5 - 25 L
Initial Waiting Period - 30 Days

Individual and Family Health Insurance

Personal Accident Care Plan

Niva Bupa, formerly known as Max Bupa, is a leading health insurance company in India with a collaboration between Max India Limited and Bupa, a UK-ba...

Unique Features

Child Education
Funeral Expenses Cover
TTD/PTD Cover

Personal Accident Care Plan (Pros)

Child education benefit
Funeral expenses covered
Total and partial disability covered

Personal Accident Care Plan (Cons)

Adventure sports not covered
No coverage for cosmetic procedures
Self-harm not covered

Personal Accident Care Plan (Other Benefits)

Lifetime renewability offered
Long-term discounts
High sum insured options

Personal Accident Care Plan (Eligibility Criteria)

Min. Entry Age - 18 Years
Max. Entry Age - 65 Years
SI - 5 L - 5 Cr
Initial Waiting Period - 30 Days

Critical Illness Health Insurance

Criti Care Plan

CritiCare, a plan that gives health and financial protection to you and your family against 20 critical illnesses! The critical illness can be contagi...

Unique Features

Enhanced Coverage
Eligibility
Sample Premium

Criti Care Plan (Pros)

20 critical illnesses covered
Long-term tenure savings
Different pay-out options
Tax benefits
DIrect claim settlement

Criti Care Plan (Cons)

Accident death
No total disability cover
AIDS not covered
Child education benefit
Funeral expenses

Criti Care Plan (Other Benefits)

Flexibility plan options
Surgeon fees covered
Renewal for life
Diagnostic Procedures/Therapies
Prosthetic implants covered

Criti Care Plan (Eligibility Criteria)

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+

Niva Bupa Aspire Plan

What Makes Niva Bupa Aspire Plan Stand Out?

M-iracle

Booster+

Lock the Clock & Lock the Clock+

Live Healthy Benefits

Future Ready Benefits

Borderless Benefits

WellConsult (OPD)

Niva Bupa Aspire Plan Specifications

Entry Age

Policy Type

Sum Insured

Initial Waiting Period*

Renewability

Policy Term

Choose Your Niva Bupa Aspire Plan

In-patient & Out-patient coverage

Coverage Terms

Alternative Treatments

Emergency Coverage

Wellness Programmes

Limitations

Niva Bupa Aspire Start Young Plan Benefits

Specifications of Niva Bupa Aspire Variants

Recommended Videos

Niva Bupa Health Insurance Network Hospital List

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

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?

For cashless claim settlement:

Steps for reimbursement claim:

Documents required for reimbursement claim settlement process:

To Sum Up

Explore other Niva Bupa Health Insurance

Niva Bupa Critical Illness (Pros)

Niva Bupa Critical Illness (Cons)

Niva Bupa Critical Illness (Other Benefits)

Niva Bupa Critical Illness (Eligibility Criteria)

Niva Bupa Aspire Plan (Pros)

Niva Bupa Aspire Plan (Cons)

Niva Bupa Aspire Plan (Other Benefits)

Niva Bupa Aspire Plan (Eligibility Criteria)

Arogya Sanjeevani Policy (Pros)

Arogya Sanjeevani Policy (Cons)

Arogya Sanjeevani Policy (Other Benefits)

Arogya Sanjeevani Policy (Eligibility Criteria)

Niva Bupa Health Recharge (Pros)

Niva Bupa Health Recharge (Cons)

Niva Bupa Health Recharge (Other Benefits)

Niva Bupa Health Recharge (Eligibility Criteria)

Niva Bupa GoActive (Pros)

Niva Bupa GoActive (Cons)

Niva Bupa GoActive (Other Benefits)

Niva Bupa GoActive (Eligibility Criteria)

Niva Bupa Super Saver Policy (Pros)

Niva Bupa Super Saver Policy (Cons)

Niva Bupa Super Saver Policy (Other Benefits)

Niva Bupa Super Saver Policy (Eligibility Criteria)

Niva Bupa Money Saver Plan (Pros)

Niva Bupa Money Saver Plan (Cons)

Niva Bupa Money Saver Plan (Other Benefits)