Niva Bupa Aspire Titanium Plus
Niva Bupa
6.8/10
OneAssure Rating
6.8/10
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.
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Our Verdict
Niva Bupa Aspire offers comprehensive coverage with strong inbuilt features. This plan is similar to ReAssure 2.0 but includes additional benefits, such as an inbuilt maternity cover that accumulates like a yearly bonus. The Fast Forward Rider allows policyholders to utilize two to three years' worth of coverage in the first policy year. Key highlights include 100% carry-over of the unclaimed amount upon renewal and no capping on room rent. A standout feature, Lock the Clock, available in the Platinum and Titanium variants, ensures that premiums remain unchanged despite aging—unless a claim is made. This is particularly beneficial for young professionals looking to secure their future. However, it is essential to consider all factors before choosing this plan, as Niva Bupa has received a high number of complaints regarding reimbursement claims, with service levels reported to be less smooth compared to other insurers.
About the Plan
The Niva Bupa Aspire Titanium Plus Plan is a premium health insurance policy crafted to provide extensive medical coverage and financial security. With high sum insured options, it covers a wide range of healthcare needs, including inpatient hospitalization, pre- and post-hospitalization expenses, and specialized daycare treatments. The plan emphasizes convenience with cashless claims across a vast hospital network and includes benefits like AYUSH treatment coverage and modern procedure expenses. It also offers wellness perks and the flexibility to add riders such as critical illness coverage for enhanced protection. Designed with robust features like no-claim bonuses and lifelong renewability, the Aspire Titanium Plus Plan is an ideal choice for individuals and families seeking top-tier health insurance.
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
Your sum insured increases by 100% every year, maximum up to 1000%
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: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L and ₹1 Cr
Claim settlement ratio
90.10%
Exclusions
Pre-existing diseases are not covered during the waiting period.
Any illness or treatment arising within the first 30 days of policy commencement is excluded, except for accidental injuries.
Expenses related to self-inflicted injuries, suicide, or attempted suicide are not covered.
Treatment related to alcohol, drug abuse, or substance misuse is excluded.
Cosmetic surgeries and plastic surgery, unless medically necessary due to accidents or burns, are not covered.
Exclusions
Safeguard+ - Increases cover with inflation, protects bonus for claims under ₹1 Lakh, and covers all excluded consumable medical items like syringes, gloves, PPE kits etc.
Safeguard - Increases cover with inflation, protects bonus for claims under ₹50,000, and covers some of the excluded consumable items like syringes, gloves, PPE kits etc.
Disease Management Rider - Covers hospital costs for chronic conditions like blood pressure, cholesterol, and diabetes after a short 30-day wait
Hospital Cash - It gives you a fixed daily cash benefit for every 24 hours you are hospitalized regardless of your actual hospital bill. Hospital cash
Personal Accident Option - Personal Accident Addon provides personal accident coverage to the primary insured adult. It offers a lump-sum pay-out in case of accidental death or permanent total disability as per the policy terms
Acute Care Option - Provides specialized support and services for treatment of sudden and severe medical conditions
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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