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
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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
Room Rent
All room categories are covered
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% 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
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
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
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
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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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