Niva Bupa Aspire Diamond Plus Plan
Niva Bupa Health Insurance
7.2/10
OneAssure Rating
7.2/10
OneAssure Rating
Highlighted Features
Unlimited Room Rent
Enjoy no restrictions on room rent for both normal and ICU stays, ensuring access to the best hospital rooms without financial concerns, subject to the sum insured.
Advanced Treatments Coverage
The plan covers modern medical procedures like robotic surgeries, stereotactic radiosurgery, immunotherapy, deep brain stimulation, and more, ensuring access to cutting-edge healthcare without additional financial burden.
Policy Wordings
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Our Verdict
Aspire Diamond+ is perfect for individuals and families seeking comprehensive coverage with premium-locking, maternity benefits, and unlimited restoration. High-end features enhance security, but premiums may be higher for extensive add-ons.
About the Plan
The Niva Bupa Aspire Diamond+ Plan offers ₹3 lakh to ₹1 crore coverage with no co-payment and no disease-wise sub-limits. It features Unlimited Restoration, Booster+ Benefit (carrying forward unused sum insured), and No Room Rent Restrictions. Covers domiciliary hospitalization, pre/post-hospitalization, AYUSH treatments, and includes annual health check-ups from day one, second medical opinion, and unlimited e-consultations. Optional add-ons like Hospital Cash and Personal Accident Cover enhance financial protection, ensuring comprehensive healthcare security.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
Normal: No Limit
ICU: No Limit
Advanced Treatments
Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Deep Brain stimulation
Oral chemotherapy
Immunotherapy- Monoclonal Antibody to be given as injection
Intra vitreal injections g. Robotic surgeries
Stereotactic radio surgeries
Bronchial Thermoplasty
Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.
Co-payment
20% of co-payment is covered.
Waiting Periods
Initial Waiting period- 30 Days
Specific Diseases - 24 Months
Pre-Existing Diseases - 36 Months
Cashless Healthcare Providers
10,000+ Healthcare Providers
Day Care Treatments
Requiring hospitalization for less than 24 hours are included in the policy coverage, up to the sum insured.
AYUSH Treatment
Covers treatments under Ayurveda, Unani, Siddha, and Homeopathy systems.
Exclusions
Investigation and evaluation of suspected health issues or diseases.
Rest, cure, rehabilitation, or respite care.
Weight control or obesity treatments.
Cosmetic or plastic surgery, except for life-saving cases.
Dental treatments.
Treatments at non-empanelled hospitals and from excluded providers.
Adventure sports or hazardous activities.
War or nuclear events.
Exclusions
Miracle Benefit - Provides coverage for maternity expenses, including IVF, surrogacy, legal adoption, and newborn care from day one.
Booster+ Benefit - Allows unutilized insured balance to carry forward, up to 10 times the base sum insured, enhancing future coverage.
Borderless Benefit - Enables access to medical treatment across different locations, ensuring coverage irrespective of your current place.
Age Lock Feature - Locks premium rates based on entry age, preventing increases due to aging.
Fast Forward Option - Reduces waiting periods for specific treatments, allowing earlier access to certain medical procedures.
Future Protect Add-on - Offers additional coverage for unforeseen medical expenses, providing extra financial security.
Cash-Bag Rewards - Rewards policyholders for maintaining a claim-free year, with cashback usable for premiums, co-payments, or outpatient expenses.
Add-ons
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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.
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