Niva Bupa Aspire Gold Plus
Niva Bupa
7.9/10
OneAssure Rating
7.9/10
OneAssure Rating
Highlighted Features
Advanced Treatments
The Niva Bupa Aspire Gold Plus plan covers advanced and modern treatments up to the chosen sum insured, ensuring access to cutting-edge healthcare services.
Room Rent (Normal & ICU)
The Niva Bupa Aspire Plus Gold plan offers room rent and ICU charges coverage up to the sum insured. Policyholders can choose any room type; however, selecting a room beyond the eligible category may result in additional co-payments. t.
Policy Wording
Brochure
Explore more features
Our 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 the Plan
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 and value-packed choice for individuals and families seeking quality healthcare protection.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent
All room categories are covered
ICU Charges
No restriction on ICU room rent
Disease-wise sublimits
No
Co-Payment
Not available
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)
Consumable Cover
No. However, available as an add-on
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
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
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.
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.
Add-ons
Related Variants
Looking for a Specific Hospital ?
Why OneAssure?
We help you maximize your coverage over time for stronger protection.
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
Still Confused ?
Frequently Asked Questions
Related Blogs
10 Health Insurance Benefits You Should Check for in Your Policy
Discover the 10 advantages of insurance and learn how health insurance can protect your family and finances during unforeseen medical events.
Can Health Insurance Help with Epilepsy Treatment?
About 1% of the Indian population has epilepsy, states a study conducted by The NCBI. It means that more than 1 Crore Indians have epilepsy. The study also shows that the prevalence of epilepsy is more in rural areas than urban.
Why Health Insurance Is Important for Young Adults: Planning for the Unexpected
The importance of health insurance for young adults lies in financial security and access to quality care. Plan ahead to stay protected from unexpected costs.