How does the waiting period affect my coverage?

The policy has a 30-day initial wait, 2 years for specific diseases, and 3 years for pre-existing conditions.

What happens if I don’t use my health insurance benefits for the entire year?

The Cash-Bag feature rewards claim-free years with cashback for premiums, deductibles, or outpatient expenses.

Will my health insurance cover treatment abroad?

The policy covers global allopathic treatments, while AYUSH treatments are covered only within India.

Does Niva Bupa Aspire Diamond Plus cover daycare procedures?

Yes, the Aspire Diamond Plus plan covers all daycare treatments. These include medical procedures or surgeries that require less than 24 hours of hospitalization due to advancements in medical technology.

What is the core difference between the Cumulative Bonus under the Platinum+ plan and standard health insurance policies?

Rather than increasing your coverage by small incremental percentages, the ReAssure 2.0 Platinum+ variant features an accelerated bonus structure that boosts your base sum insured by a substantial 100% after every single policy year, accumulating up to a maximum milestone of 500% of your original sum insured

OneAssure

Health Insurance

Niva Bupa

Aspire Diamond+

Niva Bupa Aspire Diamond 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

7.2

Customer Rating

Policy Policy Wordings

Policy Brochure

Get a Quote

92.02

Claim Settlement Ratio

10000

Network Hospitals

7.2

Customer Rating

Policy Policy Wordings

Policy Brochure

Our Verdict

Expert Review: Niva Bupa Health Insurance

Final Verdict

Aspire Diamond+ is perfect for individuals and families seeking comprehensive coverage with premium-locking, maternity benefits, and unlimited restoration. High-end features enhance security, but premiums may be higher for extensive add-ons.

About

About Niva Bupa Health Insurance

The Niva Bupa Aspire Diamond+ Plan offers ₹3 lakh to ₹1 crore coverage with no co-payment and no disease-wise sub-limits. It features Unlimited Restoration, Booster+ Benefit (carrying forward unused sum insured), and No Room Rent Restrictions. Covers domiciliary hospitalization, pre/post-hospitalization, AYUSH treatments, and includes annual health check-ups from day one, second medical opinion, and unlimited e-consultations. Optional add-ons like Hospital Cash and Personal Accident Cover enhance financial protection, ensuring comprehensive healthcare security.

Diamond+ Ratings

Diamond+

Insurer Rating

5.28

out of 10

Insurance Rating

8

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

Yes

Unlimited Restoration

Yes

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

Yes

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

Specific Waiting Period

2 years

AYUSH Treatment

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

Co-payment

Available as an option

Disease-wise sublimits

No

Room Rent

Single private AC room is included as part of base cover. However, you can opt for add-on to upgrade or downgrade the room category

Modern Treatment

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

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

ICU Charges

No restriction on ICU room rent

Restoration Benefit

Yes, your sum insured restores to 100% unlimited times after your first claim, for both related and unrelated illnesses

Cumulative Bonus

Unutilised sum insured can be carried forward up to 10X (entry age 18–35 yrs), 5X (entry age 36–45 yrs), and 3X (entry age 46+ yrs)

Consumable Cover

Yes

Initial Waiting Period

30 days

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 as part of base cover. However, you can opt for an add-on to avail this coverage

Deductible Option

Available as an option

Coverage Options

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

Claim Settlement Ratio

92.02%

Maternity Cover

Available

Post-Hospitalisation

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

Specific Waiting Period

2 years

AYUSH Treatment

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

Exclusions

Investigation and evaluation of suspected health issues or diseases.
Rest, cure, rehabilitation, or respite care.
Weight control or obesity treatments.
Cosmetic or plastic surgery, except for life-saving cases.
Dental treatments.

Add ons

Add-Ons

Borderless

Disease Management Option

Safe Guard Plus

Fast Forward

Future Ready

Insurance Premium Calculator

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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.