Max Health Aspire Plan
vs
Niva Bupa Health Companion Plan
- 100+ top health insurance plans
- Premium starting @Rs. 19/day*
- No medical check-ups required
| PLAN DETAILS |
 Max Health Aspire Plan |
 Niva Bupa Health Companion Plan |
| Premium Including GST | ||
| Product Type | Individual and Family Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Covered | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
10263 | 10263 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | Not Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | Not Covered |
| Plan Entry Age | 18 years | No Bar |
| Plan Premium Entry Age and S/A | 1480 | 8056 |
| Plan Waiting Period | 30 Days | 30 |
| Plan Coverage | - | - |
| Plan Sample Premium | 1480 | 8056 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 2 and 3 Years | 1 | 2 Years |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Covered | Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Covered | Not Covered |
| Air Ambulance | Covered | Not Covered |
| Global Coverage | Covered | Not Covered |
| Claim Ratio | 100 | 100 |
| Solvency Ratio | 1.7 | 1.7 |
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:
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With over 12 years of rich experience in the BFSI domain, with a specialisation in Life and Health Insurance, I have played a pivotal role in simplifying the insurance-buying process and delivering unparalleled service.
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