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Introducing a health insurance plan that rewards you for starting young.
A plan that allows for overseas treatment.
Several health insurance plans are available, but have you heard about a plan that offers complete maternity benefits? Yes, now there's a plan that covers complete maternity benefits under M-iracle benefits. Niva Bupa's Aspire Start Young plan is a comprehensive health insurance solution. The Niva Bupa Aspire Plan offers comprehensive health insurance with unique benefits like maternity coverage, overseas treatment, and wellness rewards. It offers not just great maternity benefits but also rewards you for staying healthy. It also provides borderless benefits – another unique feature. The plan comes in four variants:
This plan is ideal for young individuals who have just started working. The plan offers comprehensive coverage up to ₹1 Crore at a reasonable premium. This plan stands out from others in the market by offering unique additional benefits. Below, discover how Niva Bupa Aspire's plan is different.
To check other plans offered by Niva Bupa Health Insurance, click here.
The name of this feature, M-iracle, celebrates parenthood. Babies are indeed miracles that bring new meaning to lives. It covers expenses if you plan to adopt a child, a unique offering in today's insurance market. If you choose this plan, you will receive the following benefits:
Under the Booster+ benefit of the Niva Bupa Aspire Plan, you can carry forward the unutilized base sum insured. The base sum insured will also accumulate up to 10 times, depending on the variant you choose.
Let's understand this with a simple example:
Rahul, a 25-year-old, opted for the policy with an INR 10 Lakh base sum insured in 2023. For the next 10 years, he does not make a claim. By 2033, his INR 10 Lakh Sum Insured (SI) will grow to INR 1.10 Crore (INR 10 Lakh + INR 1 Crore Booster+).
This way, by the age of 35, he will be completely secured for any medical emergency.
This feature ensures that the policyholder's entry age, at the time of purchase, is locked until a claim is paid.
Additionally, Lock the Clock+ is an extended version: if you make an M-iracle claim, premiums remain unchanged, but other types of claims will affect premiums accordingly.
Under this benefit, you can earn a discount on your next renewal simply by walking. To do this, download the Niva Bupa App and collect health points by walking. According to the plan, 1000 steps equal 1 point.
The Future Ready benefit allows you to add your spouse to the plan. The amazing part is that all waiting periods will be waived off as per your policy tenure. Let's explain this with an example:
Ramesh purchased the Niva Bupa Aspire plan at age 25. He added the Future Ready benefit to the policy. After he got married at age 30, his wife was unfortunately diagnosed with a critical illness. However, he can avail of the cashless treatment benefit without waiting because he had already served his waiting period and can now claim the treatment charges.
This plan also waives off the maternity benefit waiting period and covers your spouse for all benefits you already have.
With this benefit, you can receive planned or emergency treatment at any hospital worldwide. This means that even if you are diagnosed with a disease in India but wish to be treated at one of the top hospitals globally, it is possible. Whether in London, France, Germany, or anywhere else, you can avail of the treatment and claim reimbursement. In this case, you can also choose co-payment options.
With the WellConsult benefit, you receive complete wellness and OPD benefits. Here is a list of all the exclusive benefits for you:
| PLAN DETAILS |
Max Health Aspire Plan |
Star Young Star Extra Protect Plan |
| 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 | Not Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Not Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Not Covered |
| Hospital_network (Number of Hospital Network in city) |
10000 | 14000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Not Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Not 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 | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | Not Applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | Not Applicable |
| Plan Entry Age | 18 years | 91 days - 40 years |
| Plan Premium Entry Age and S/A | 1480 | N/A |
| Plan Waiting Period | 30 Days | 30 |
| Plan Coverage | - | - |
| Plan Sample Premium | 1480 | - |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 2 and 3 Years | 1/2/3 years |
| ICU Charges | Covered | Not Covered |
| Covid-19 Treatment | Covered | Not Covered |
| Cataract | Covered | Not Covered |
| Automatic Restoration | Covered | Not 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 | 94.4 | 99.06 |
| Solvency Ratio | 3.03 | 2.21 |
|
Niva Bupa Aspire Health Plan | Best Health Insurance 2024 | |
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