Niva Bupa Aspire Gold Plus Plan
Niva Bupa Health Insurance
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
Explore more features
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
Room Rent (Normal & ICU)
Normal: single A/C private room
ICU: no limit, expenses incurred would be covered by the policy.
Advanced Treatments
Including robotic surgeries, stem cell therapy (for specific conditions), and modern procedures like laser treatments and bariatric surgery.
Co-payment
A 20% co-payment applies for treatments in Zone 2. Additionally, policyholders can opt for a 10% or 20% co-payment, which does not reduce the sum insured.
Waiting Periods
Initial Waiting Period: A 30-day waiting period applies from the policy's inception, during which claims are not admissible, except for those arising from accidents.
Pre-existing Disease Waiting Period: For the Silver plan, pre-existing diseases are covered after 48 months of continuous coverage. For Gold and Platinum plans, this period is reduced to 24 months.
Specific Disease/Procedure Waiting Period: For individuals above 45 years of age, certain listed illnesses and procedures are covered after a 24-month waiting period from the policy's inception.
Cashless Healthcare Providers
10675+ network hospitals
Day Care Treatments
Covered under the policy.
AYUSH Treatment
Covered under the policy.
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
Safeguard+ - Covers non-payable items, allows carry-forward of unused sum insured, and provides inflation protection.
Personal Accident Cover - Offers coverage for accidental death, disability, and loss of income due to accidents.
Well Consult (OPD) - Covers outpatient expenses like doctor consultations, pharmacy bills, and diagnostic tests.
Cash-Bag - Rewards claim-free years by accumulating funds that can be used for co-payments, OPD expenses, and premiums.
Future Ready - Enables addition of a future spouse to the policy without additional waiting periods.
Add-ons
Looking for a Specific Hospital ?
Why OneAssure?
We help you maximize your coverage over time for stronger protection.
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
Still Confused ?
Frequently Asked Questions
Related Blogs
10 Health Insurance Benefits You Should Check for in Your Policy
Discover the 10 advantages of insurance and learn how health insurance can protect your family and finances during unforeseen medical events.
Can Health Insurance Help with Epilepsy Treatment?
About 1% of the Indian population has epilepsy, states a study conducted by The NCBI. It means that more than 1 Crore Indians have epilepsy. The study also shows that the prevalence of epilepsy is more in rural areas than urban.
Why Health Insurance Is Important for Young Adults: Planning for the Unexpected
The importance of health insurance for young adults lies in financial security and access to quality care. Plan ahead to stay protected from unexpected costs.