Niva Bupa Health Insurance

Niva Bupa Aspire Platinum Plus Plan

Niva Bupa Health Insurance

6.2/10

OneAssure Rating

85.18%
Claim Settlement Ratio
10,000
Network Hospitals

Highlighted Features

Room Rent (Normal & ICU)

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

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

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

Product Stats

Rating

Coverage
Claim Settlement
Hospital Network
Co-Payment
Waiting Periods
No Claim Bonus

Features of the Product

01

Room Rent (Normal & ICU)

  1. Normal: single A/C private room

     

  2. ICU: no limit, expenses incurred would be covered by the policy.

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02

Advanced Treatments

  1. Including robotic surgeries, stem cell therapy (for specific conditions), and modern procedures like laser treatments and bariatric surgery.

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03

Co-payment

  1. 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.

     

  2. Additionally, selecting treatment at a non-tiered network hospital incurs a mandatory 20% co-payment. 

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04

Waiting Periods

  1. 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. 
     

  2. 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.
     

  3. 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.

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05

Cashless Healthcare Providers

  1. 10675+ network hospitals

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06

Day Care Treatments

  1. Covered under the policy. 

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07

AYUSH Treatment

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    Exclusions

    Add-ons

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    Frequently Asked Questions

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