How does the waiting period affect my coverage?

A 30-day waiting period applies, with pre-existing conditions covered after 48 months and specified illnesses after 24 months, ensuring long-term plan sustainability and preventing misuse.

What if I don’t use my health insurance benefits for a year?

A No Claim Bonus increases your sum insured yearly, rewarding claim-free years with additional coverage at no extra cost, enhancing financial security for future medical needs.

Does the Niva Bupa Aspire Plus Gold Plan cover treatment abroad?

Standard coverage applies within India, but optional add-ons may provide limited international medical emergency coverage. Consider global insurance for comprehensive worldwide protection.

How can I apply for Niva Bupa Aspire Gold Plus?

You can apply online through the official Niva Bupa website or contact their customer support for assistance.

OneAssure

Health Insurance

Niva Bupa

Aspire Gold+

Niva Bupa Aspire Gold Plus

Experience India's most trusted health insurance with Niva Bupa Health Insurance. Get instant cashless treatment at 10000 network hospitals with sum insured up to ₹50 lakhs.

92.02

Claim Settlement Ratio

10000

Network Hospitals

7.9

Customer Rating

Policy Policy Wording

Policy Brochure

Get a Quote

92.02

Claim Settlement Ratio

10000

Network Hospitals

7.9

Customer Rating

Policy Policy Wording

Policy Brochure

Our Verdict

Expert Review: Niva Bupa Health Insurance

Final Verdict

The Niva Bupa Aspire Plus Gold Plan offers comprehensive coverage with added benefits like cashless treatment, wellness care, and optional add-ons. Ideal for individuals and families seeking extensive, flexible healthcare protection.

About

About Niva Bupa Health Insurance

The Niva Bupa Aspire Plus Gold Plan is a comprehensive health insurance solution designed to cater to a wide range of healthcare needs while ensuring financial peace of mind. This plan offers extensive coverage, including inpatient hospitalization, pre- and post-hospitalization expenses, and daycare procedures. With cashless treatment available at a vast network of hospitals, it prioritizes convenience and accessibility. The plan also includes coverage for AYUSH treatments, wellness benefits, and modern medical procedures, ensuring holistic care. Additional features such as no-claim bonuses, annual health check-ups, and optional add-ons like critical illness coverage make the Aspire Plus Gold Plan a reliable...

The Niva Bupa Aspire Plus Gold Plan is a comprehensive health insurance solution designed to cater to a wide range of healthcare needs while ensuring financial peace of mind. This plan offers extensive coverage, including inpatient hospitalization, pre- and post-hospitalization expenses, and daycare procedures. With cashless treatment available at a vast network of hospitals, it prioritizes convenience and accessibility. The plan also includes coverage for AYUSH treatments, wellness benefits, and modern medical procedures, ensuring holistic...

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of Niva Bupa Insurance Company Limited

Post-Hospitalisation

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

Claim Settlement Ratio

92.02%

ICU Charges

No restriction on ICU room rent

Consumable Cover

No. However, available as an add-on

Initial Waiting Period

30 days

Room Rent

All room categories are covered

Modern Treatment

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Co-payment

Not available

Cashless Healthcare Providers

10,000+ Healthcare Providers

Daycare Treatment

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

AYUSH Treatment

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Disease-wise sublimits

No

Restoration Benefit

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

Cumulative Bonus

Unutilised sum insured can be carried forward up to 3X (entry age 18–35 yrs), 2X (entry age 36–45 yrs), and 1X (entry age 46+ yrs)

Specific Waiting Period

2 years

PED Waiting Period

3 years

Annual Health Checkup

Health check-up is available once every policy year, from day 1 of the policy

Pre-Hospitalisation

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

Outpatient Department Cover (OPD Expense)

OPD expense is not included

Deductible Option

Available as an option

Coverage Options

Available coverage options: 3L, 5L, 7.5L, 10L, 15L, 20L, 25L, 50L, 1cr

Maternity Cover

Available

Post-Hospitalisation

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

Claim Settlement Ratio

92.02%

ICU Charges

No restriction on ICU room rent

Exclusions

Expenses related to the treatment of pre-existing diseases and their direct complications are excluded until the expiry of a specified waiting period.
Treatment expenses for certain listed conditions and surgeries are excluded until the expiry of a 12 or 24-month waiting period.
Expenses related to the treatment of any illness within 30 days from the first policy commencement date are excluded, except for accidents.
Expenses for hospital admissions primarily for diagnostic purposes or evaluations that do not result in active treatment are not covered.
Costs related to admissions primarily for enforced bed rest, custodial care, or services for terminally ill individuals are excluded.

Add ons

Add-Ons

Borderless

Disease Management Option

Safe Guard Plus

Fast Forward

Future Ready

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About the company

Niva Bupa Health Insurance Company Ltd. (formerly Max Bupa) is a standalone health insurer in India, formed through a joint venture between the UK-based Bupa Group and Indian private equity firm True North. Established in 2008, the company offers a comprehensive range of health insurance products for individuals, families, and senior citizens, designed to make quality healthcare more accessible and affordable. The company operates with a nationwide network of over 10,000 hospitals and provides coverage across hospitalization, surgeries, consultations, and post-hospital care. Under the leadership of Managing Director and CEO Krishnan Ramachandran, Niva Bupa has expanded its presence and strengthened...

Niva Bupa Health Insurance Company Ltd. (formerly Max Bupa) is a standalone health insurer in India, formed through a joint venture between the UK-based Bupa Group and Indian private equity firm True North. Established in 2008, the company offers a comprehensive range of health insurance products for individuals, families, and senior citizens, designed to make quality healthcare more accessible and affordable. The company operates with a nationwide network of over 10,000 hospitals and provides coverage...

FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.