What is the Niva Bupa Aspire Policy?

Niva Bupa offers a unique health insurance plan called “Aspire Start Young” that provides complete maternity benefits. This plan stands out because it not only covers maternity expenses but also offers credit for maintaining good health. Additionally, it has the advantage of borderless benefits, making it an attractive option for those seeking comprehensive coverage.

The Aspire health insurance policy from Niva Bupa is a great option for young individuals who have just entered the workforce. It offers extensive coverage of up to 1 crore rupees, which is a significant advantage. Additionally, the plan stands out from others in the market by providing extra benefits. Take a closer look to see how the Niva Bupa Aspire plan sets itself apart.

Types of Niva Bupa Aspire Policy

If you seek a health insurance plan with superior coverage and shorter waiting periods for maternity and pre-existing conditions, consider Niva Bupa’s spire Pltinum+ or spire Titanium+ policies. For those looking to reduce premium costs, Aspire Gold+ is an option, even though it entails longer waiting periods.

Aspire Gold+

The Aspire Gold+ plan has a premium of 8,751/- rupees and offers benefits such as 3x carry forward of the sum insured and the option to lock premiums based on the entry age. However, it has a 4-year waiting period for maternity coverage and pre-existing diseases.

Aspire Diamond+

The Aspire Diamond+ plan, priced at 10,051/- rupees, offers a 5x carry forward of the sum insured and the advantage of locking premiums based on the entry age. Additionally, it lentils a 2-year maternity waiting period and a 3-year pre-existing disease waiting period.

Aspire Platinum+

The Aspire Platinum+ is the most popular option with a premium of 10,591/- rupees. It has a high carry forward of the sum insured at 10x and allows premiums to be locked by entry age, including maternity coverage. The plan has a maternity waiting period of 9 months and a pre-existing disease waiting period of 3 years.

. Aspire Titanium+

The Aspire Titanium+ is worth considering as it comes with a premium of 10,847/- rupees. Similar to the Platinum+ plan, it offers a 10x carry forward of the sum insured and the valuable option to lock premiums by entry age, even for maternity. Additionally, the plan features a 9-month maternity waiting period and a 3-year pre-existing disease waiting period.

Niva Bupa Aspire Policy Specifications

Particular	Details
Product Name	Aspire
UIN	NBHHLIP24129V012324
Base Sum Insured Options	INR 3 Lakh, 5 Lakh, 7.5 Lakh, 10 Lakh, 15 Lakh, 20 Lakh, 25 Lakh, 50 Lakh, 1 Crore
Expenses in Reaching a Hospital	Up to sum insured for Road & Air Ambulance
Hospitalisation Expenses	Sum insured covers up to 2 hours of hospitalization, including AYUSH treatments (24 hours for AYUSH treatments)
Modern Treatments	Covered up to the sum insured amount
Pre and Post Hospitalisation Expenses	60 days before and 180 days after hospitalization are covered, up to the insured amount
Home Care/Domiciliary	Covered up to the sum insured amount
Organ Donor Expenses	Covered up to the sum insured amount
Annual Health Check-Up	Covered for limited cashless tests
ReAssure Forever Benefit	Unlimited claims after the first claim, each up to the base sum insured
Lock the Clock	Pay premium based on the entry age until a claim is paid (not applicable for some variants)
Booster+ Benefit	The base sum insured carries forward up to 10x based on the age and variant
M-iracle Benefit	Carries forward the unutilized sum insured for maternity, IVF, adoption, surrogacy and more, up to the Booster+ limits
M-iracle Waiting Period	9 to 48 months depending on the variant
Live Healthy Benefit	30% discount on premium at renewal
Second Medical Opinion	Unlimited network visits per policy year
E-Consultation	No limits within the network
Optional Benefits	Fast Forward, Future Ready, Borderless, Cash-Bag, Safeguard+, WellConsult, Personal Accident, Hospital Daily Cash, Annual Deductible.
Additional Information	30 Mins Claim Processing, 10k+ Network Hospitals, 24X7 Customer Service, 10L+ Claims Processed, 1Cr+ Lives Covered.

Coverage Benefits of the Aspire Health Insurance Policy

Coverage Benefit	Details
Expenses in reaching a Hospital	Covered for Road and Air Ambulance up to the sum insured amount
Modern Treatments	Covered up to the sum insured amount
Pre and Post Hospitalisation Expenses	60 days before and 180 days after hospitalization are covered under the sum insured
Home Care/Domiciliary	Covered up to the sum insured.
Organ Donor Expenses	Covered up to the sum insured.
Annual Health Check-Up (Cashless Only)	Covered for specific tests
Second Medical Opinion	Unlimited visits to network within one year
E-Consultation	Unlimited e-consultation at network hospitals is available
Borderless	Treatment anywhere worldwide, up to the insured amount
Cash-Bag	Earn cashback for each claim-free year which can be used to cover premiums, deductibles, co-payment and OPD expenses
Safeguard+	Claim Safeguard, Booster+ Safeguard, and Sum Insured Safeguard offer multiple protections.
WellConsult (OPD)	Coverage for consultations, diagnostics, pharmacy, gym and wellness benefits
Personal Accident Cover	Up to 5 times the base sum insured amount (maximum 1 crore rupees)
Hospital Daily Cash	Cash benefit based on the insured sum amount
Annual Aggregate Deductible	Options available: INR 20,000 / 30,000 / 50,000 / 1,00,000.
30 Mins Cashless Claim Processing	Precesses pre-authorization requests quickly for active policies
Network Hospitals	Access to 10,000+ network hospitals.
Customer Service	24x7 Customer Service available.

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Aspire Health Insurance Claim Process

Below is the Niva Bupa Aspire health insurance claims procedure for your convenience.

Cashless Claims

1

Admit yourself at a Niva Bupa network hospital

2

Use the Niva Bupa Health Card or provide the policy number at the hospital with ID proof

3

The Network hospital will verify your identity and submit the pre-authorization request to the insurer

4

The insurer validates, reviews and confirms the network hospital by fax and email. You will be notified by text message and email. Niva Bupa usually responds within 30 minutes of filing the claim request

5

Finalize the insurance claim settlement with the hospital after completing the formalities

Reimbursement Claim Process

1

Notify the insurer within 48 hours of admission in its network or non-network hospital. Pay the amount directly to the hospital.

2

Get your documents after leaving the hospital for reimbursement

3

Send the completed and signed claim form along with your valid ID proof and age proof to the insurer. The claim form can be found on Niva Bupa’s website or in your policy document

4

The insurer will review the claim request upon receipt of your documents and either approve, query or reject it based on the policy terms and conditions

5

The insurer will settle and reimburse the approved amount according to the policy terms

OPD Reimbursements

1

Access “My Account” and then select “Raise a Claim” under the OPD tab

2

Search for the doctor by entering the details

3

Click “Raise a Claim” from the search results against the doctor who provided OPD services

4

Complete the health claim form with accurate bill and bank details, along with the required documents uploaded. Submit after completion

5

The insurer will review the insurance claim and approve, send a query or reject based on the policy terms

Diagnostic Center Reimbursements

1

Have a valid copy of the diagnostic claim reimbursement

2

Access “My Account” and select “Reimbursement Claim” in the annual health check-up tab

3

Fill out the claim form with accurate bill and bank details and upload specified documents. Submit after completion

4

The insurer will review your claim and then approve/send a query\reject it according to the policy terms

Niva Bupa Aspire Health Insurance Contact Details

For any assistance or query regarding Niva Bupa health insurance, kindly use the following channels to get in touch with Niva Bupa representatives.

Website: Bupa Health Insurance
Fax : +91 11 41743397
Toll-Free Number : 1860-500-8888
Office Address : 14th Floor, Capital Cyberscape, Sector 59, Gurgaon

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