
Niva Bupa Aspire Platinum Plus Plan
Niva Bupa Health Insurance
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 (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
The Niva Bupa Aspire Platinum Plus plan offers flexible co-payment options, allowing policyholders to choose from 0%, 20%, 30%, 40%, or 50% co-payment levels.
Additionally, selecting treatment at a non-tiered network hospital incurs a mandatory 20% co-payment.
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
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
Safeguard Add-on - Protects against inflation, retains No Claim Bonus, and covers non-payable medical expenses.
Hospital Cash - Provides a fixed daily allowance for incidental expenses during hospitalization.
Annual Aggregate Deductible - Enables choosing a deductible amount, reducing premiums while ensuring coverage for higher medical expenses.
Add-ons
Looking for a Specific Hospital ?

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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.