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
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Features of the Product
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
ICU Charges
No restriction on ICU room rent
Disease-wise sublimits
No
Co-Payment
Available as an option
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
Specific Waiting Period
2 years
PED Waiting Period
3 years
Modern Treatments
Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period
Annual Health Checkup
Health check-up is available once every policy year, from day 1 of the policy
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
Pre-Hospitalisation
You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved
Post-Hospitalisation
You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it
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
Cashless Healthcare Providers
10,000+ Healthcare Providers
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.
Future Ready - Guaranteed issuance & continuity on waiting periods served by you for your future spouse
Borderless - Provides coverage for medical treatments received outside India, offering global health insurance protection without geographical restrictions, typically covering both emergencies and planned treatments.
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About the Company
Niva Bupa Health Insurance, formerly known as Max Bupa Health Insurance, is a prominent health insurance provider in India. It is a joint venture between Bupa, a UK-based healthcare services expert, and True North, an Indian private equity firm. The company offers a diverse range of health insurance plans tailored to meet the varying needs of individuals and families. Their policies are designed to provide comprehensive coverage, ensuring financial protection against unforeseen medical expenses.
One of their notable offerings is the ReAssure 2.0 Health Insurance Policy, which covers a wide array of medical expenses, including hospitalization, surgeries, doctor consultations, and post-hospitalization care. With a network of over 10,000 trusted healthcare providers across India, Niva Bupa ensures that policyholders have access to quality medical care when needed. Their commitment to customer satisfaction is evident through streamlined claim processes and wellness benefits, aiming to deliver peace of mind and financial security during medical emergencies.
In June 2024, Niva Bupa announced plans to raise $360 million through an initial public offering (IPO), potentially valuing the company at up to $2.5 billion.
This move underscores their growth trajectory and commitment to expanding their services in the Indian health insurance market.
Krishnan Ramachandran serves as the Managing Director and CEO of Niva Bupa Health Insurance Company Limited. With over 24 years of experience in the health insurance, healthcare, and life sciences industries, Mr. Ramachandran has previously held leadership positions at Apollo Munich Health Insurance Company Limited and Apollo DKV Insurance Company Ltd.
About the Company
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