Niva Bupa Aspire Titanium Plus Plan
Niva Bupa Health Insurance
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 (Normal & ICU)
Normal: single A/C private room
ICU: no limit, expenses incurred would be covered by the policy.
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
Robotic surgeries
Stereotactic radio surgeries
Bronchial Thermoplasty
Vaporization 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 hematological conditions to be covered.
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 in India.
Day Care Treatments
Covered under the policy.
AYUSH Treatment
Covered under the policy.
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
Claim Safeguard+ - Covers non-payable items listed in Annexure.
Booster+ Safeguard+ - Ensures the Booster+ benefit remains unaffected if the total claim in a policy year is up to INR 1,00,000.
Sum Insured Safeguard+ - Increases the Base Sum Insured annually based on the Consumer Price Index (CPI) to counteract inflation.
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.
About the Company
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