Niva Bupa Aspire Diamond Plus
Niva Bupa
7.2/10
OneAssure Rating
7.2/10
OneAssure Rating
Highlighted Features
Unlimited Room Rent
Enjoy no restrictions on room rent for both normal and ICU stays, ensuring access to the best hospital rooms without financial concerns, subject to the sum insured.
Advanced Treatments Coverage
The plan covers modern medical procedures like robotic surgeries, stereotactic radiosurgery, immunotherapy, deep brain stimulation, and more, ensuring access to cutting-edge healthcare without additional financial burden.
Policy Wordings
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Our 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 the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
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
90.10%
Maternity Cover
Available
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.
Treatments at non-empanelled hospitals and from excluded providers.
Adventure sports or hazardous activities.
War or nuclear events.
Exclusions
Safe Guard Plus - Increases cover with inflation, protects bonus for claims under ₹1 Lakh, and covers all excluded consumable medical items like syringes, gloves, PPE kits etc.
Fast Forward - Allows you to receive future No Claim Bonus (NCB) benefits upfront at policy inception, boosting your sum insured from day one.
Future Ready - Offers automatic enhancements to the sum insured or policy benefits at renewal, ensuring your coverage adapts to evolving healthcare costs and needs.
Borderless - Provides coverage for medical treatments received outside India, offering global health insurance protection without geographical restrictions, typically covering both emergencies and planned treatments.
Add-ons
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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 its digital and service capabilities to enhance the customer experience. Listed on both the BSE and NSE after its November 2024 IPO, Niva Bupa reflects strong financial performance and market confidence.
About the Company
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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.
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.
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