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
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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
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
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.
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
Related Variants
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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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