Niva Bupa Aspire Platinum Plus
Niva Bupa
6.2/10
OneAssure Rating
6.2/10
OneAssure Rating
Highlighted Features
Room Rent (Normal & ICU)
This policy includes room rent coverage, offering a single private room for normal hospitalization and no cap on ICU stays.
Advanced Treatments
Coverage includes advanced treatments such as coronary angiography, cancer radiotherapy, chemotherapy, and palliative care, ensuring access to essential medical support during critical times.
Policy Wording
Explore more features
Our Verdict
The Niva Bupa Aspire Platinum Plus Plan offers comprehensive coverage with no room rent limit, maternity benefits, and global emergency cover. Ideal for families and individuals seeking extensive, flexible, and holistic health protection.
About the Plan
The Niva Bupa Aspire Platinum Plus Plan is a thoughtfully designed health insurance policy that offers comprehensive coverage to ensure financial security and access to quality healthcare. This plan provides high sum insured options and covers a range of medical expenses, including inpatient hospitalization, pre- and post-hospitalization care, and daycare procedures. It also features cashless treatments across an extensive network of hospitals and includes wellness benefits to encourage healthy living. Additional highlights include coverage for AYUSH treatments, modern procedures, and optional add-ons for enhanced protection, such as critical illness cover. With features like no-claim bonuses and hassle-free renewability, the Aspire Platinum Plus Plan stands out as a robust solution for individuals and families seeking holistic health coverage.
About the Plan
Product Stats
Rating
Features of the Product
Claim Settlement Ratio
92.02%
Post-Hospitalisation
You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it
Maternity Cover
Available
Initial Waiting Period
30 days
PED Waiting Period
3 years
Cashless Healthcare Providers
10,000+ Healthcare Providers
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
Available as an option
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
ICU Charges
No restriction on ICU room rent
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 10X (entry age 18–35 yrs), 5X (entry age 36–45 yrs), and 3X (entry age 46+ yrs)
Consumable Cover
No. However, available as an add-on
Specific Waiting Period
2 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
Exclusions
Pre-existing diseases are not covered until the completion of the waiting period.
Any illness contracted within the first 30 days of policy inception, except accidents.
Cosmetic or plastic surgery unless required due to an accident or medically necessary.
Treatment for alcohol or drug abuse, self-inflicted injuries, and suicide attempts.
Injuries or illnesses due to participation in hazardous activities or adventure sports.
Treatment received outside India unless covered under specific policy terms.
Unproven, experimental, or non-standard treatments not recognized by medical authorities.
War, nuclear radiation, and biological weapon-related health conditions.
HIV/AIDS and related conditions unless specifically covered under the policy.
Congenital diseases, genetic disorders, and infertility treatments.
Exclusions
Borderless - Provides coverage for medical treatments received outside India, offering global health insurance protection without geographical restrictions, typically covering both emergencies and planned treatments.
Disease Management Option - Offers personalized health programs and support for managing chronic conditions in adults.
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.
Add-ons
Related Variants
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Why OneAssure?
We help you maximize your coverage over time for stronger protection.
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
Still Confused ?
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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