Niva Bupa Health Insurance Policy

Our bestselling health insurance plan provides extensive coverage and benefits for all your healthcare needs.

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50K+ Customers

Many individuals have already opted for NivaBupa Health Insurance

India's Best Health Insurer rated by Mint for the year 2024

Key features of

Comprehensive Maternity Coverage

No Room Rent Capping

Lock the Clock+

Booster+ up to 10X

Reassure Forever

Coverage for 2+ Hours of hospitalization

Road and Air Ambulance

Pre and Post Hospitalization

Home Care/Domiciliary Treatment

Modern Treatments Covered

Organ Donor

Unlimited E-Consultations

Fast Forward

Future Ready

Borderless

Safeguard+

Cash Bag

Well Consult

Permanent Exclusions

Check Out Our Product Videos

Know more about product benefits. Watch them Now.

Aspire Plan

Maternity benefit

Future Ready

Fast Forward

Extra Value

2 hour Hospitalization

Compare variants to know more

Here is a quick overview on Aspire variants

Compare variants of

Lock the Clock:

Lock the age, pay premiums as per entry age till you claim

Booster+:

Carry forward unutilised base sum insured

ReAssure Forever:

Use and get back your base coverage, unlimited times and forever

Hospitalisations of 2 hours or more covered (24 hours for AYUSH)

Health Check-up from Day 1

vs Other Market Health Insurance Plans

Here is a quick comparison between Aspire v/s Other plans offered in the market

Benefits

Aspire

Others

Carry Forward Sum Insured

Allows you to carry forward the unused sum insured to the next year

Up to 10X

Up to 7x

Use & Get back your Coverage

Allows you to reinstate your base sum insured again and again. Reinstated sum insured can be used for same illness, same person as well

Unlimited times one time activation for lifetime

Mainly once in a year needs fresh activation each year

Pay as per your entry age, till a claim is paid

Put a lock on your age when you buy the policy and protect yourself from the age linked increase of premiums at renewal

Yes

Premiums change as per your age

Minimim Hospitalisation

Allows you to get coverage for all hospitalisation which are more than 2 hours

2+ Hours

24+ Hours

Non Payable items are covered

Allows you get coverage even for the non payable items which otherwise are excluded

All 4 non payable item list

Mainly only 1 list covered

Download Resources

Read more about the product through Product Brochure and Policy Wording documents

Aspire Brochure

Download the Brochure to understand the ReAssure Plan better

Aspire Policy Wordings

Find out all you need to know about the plan here

Aspire Claim form

Download the form to make a hassle-free claim

Aspire Proposal Form

Download the Brochure to avail the services of any of our network hospitals

Key Benefits of Aspire

There are several benefits that you can enjoy when buying Aspire. Some of them are listed below:

Comprehensive Maternity Coverage:

Covers expenses around maternity, IVF, adoption, surrogacy and more. Carry forward the balance sum insured up to 10X

Cashless Treatment at Network Hospitals:

With Aspire, you can avail cashless treatment at a wide network of hospitals across India. This means that you don’t need to worry about upfront payments in case of hospitalization, making it convenient during medical emergencies.

Comprehensive Pre and Post-Hospitalization Cover:

The Aspire plan covers pre-hospitalisation and post-hospitalisation expenses, such as consultations, medications, and diagnostic tests, both before and after you are admitted to the hospital. This ensures holistic coverage for your treatment and recovery process.

Ambulance Cover:

Aspire plan includes coverage for emergency ambulance services, ensuring that you can receive timely medical care and transportation to the hospital without worrying about the financial burden of ambulance fees.

Tax Benefits

Premiums paid for Aspire are eligible for tax deductions under Section 80D of the Income Tax Act. This provides policyholders with an opportunity to save on taxes while ensuring they have access to health insurance coverage.

Frequently Asked Questions

What are the eligibility requirements for the plan?

Can I include my family members under the Aspire plan?

Can I migrate my existing health insurance policy to Aspire?

What happens if I miss a premium payment for the Aspire plan?

Download the
Niva Bupa App Today

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Downloads

52K+

Reviews

Make your Health Insurance accessible on the go. Download the Niva Bupa Health App today

app rating by customer

I found, the Niva Bupa app to be very user-friendly and most convenient. Thanks for the interface that gives power to me. From finding cashless hospitals in any location, booking a consultation, to submitting and tracking claims, etc., everything is on my fingertip. Recently, suddenly, my 8-year-old daughter fell ill, infected by Dengue, I applied for reimbursement using this app for the first time. Still, I completed the process easily and today I got the reimbursement amount as well in a week. THANK YOU.

app rating by customer

The app works perfectly and provides real-time assistance. One-stop solution for most of the services - Policy details, premium certificate, network hospital details. The most important unlimited free teleconsultation feature. I used it multiple times, saving time and money.

app rating by customer

New Ul is crisp. Really an upgrade in experience.

Niva Bupa Health Insurance Company Limited (formerly known as Max Bupa Health Insurance Company Limited) (IRDAI Registration No. 145). ‘Bupa’ and ‘HEARTBEAT’ logo are registered trademarks of their respective owners and are being used by Niva Bupa Health Insurance Company Limited under license. Registered office:- C-98, First Floor, Lajpat Nagar, Part 1, New Delhi - 110024; Fax: +911141743397; Customer Helpline: 1860-500-8888; www.nivabupa.com. CIN: U66000DL2008PLC182918. For more details on risk factors, terms and conditions please read the sales brochure carefully before concluding sales.* Niva Bupa processes pre-auth requests within 30 minutes for all active policies, subject to receiving all documents and information(s) up to Niva Bupa’s satisfaction. The above commitment doesn’t include pre-authorization settlement at the time of discharge or system outage.

HDFC Securities Ltd. (Registration No. CA0062) is registered as a Corporate Agent with Insurance Regulatory and Development Authority (IRDAI). Insurance is not an exchange traded product and HDFC Securities Ltd. is just acting as distributor and all disputes with respect to the distribution activity would not have access to exchange investor redressal forum or arbitration mechanism. Investments market are subject to market risks, read all the related documents carefully before investing. Registration granted by SEBI, membership of BASL (in case of IAs) and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors. HSL Disclaimer & SEBI Registration Details: https://www.hdfcsec.com/article/disclaimer-1795

Key features of

Check Out Our Product Videos

Compare variants to know more

Compare variants of

Lock the Clock:

Booster+:

ReAssure Forever:

Hospitalisations of 2 hours or more covered (24 hours for AYUSH)

Health Check-up from Day 1

vs Other Market Health Insurance Plans

Download Resources

Aspire Brochure

Aspire Policy Wordings

Aspire Claim form

Aspire Proposal Form

Key Benefits of Aspire

Comprehensive Maternity Coverage:

Cashless Treatment at Network Hospitals:

Comprehensive Pre and Post-Hospitalization Cover:

Ambulance Cover:

Tax Benefits

Frequently Asked Questions

What are the eligibility requirements for the plan?

Can I include my family members under the Aspire plan?

Can I migrate my existing health insurance policy to Aspire?

What happens if I miss a premium payment for the Aspire plan?

Download the Niva Bupa App Today

Download the
Niva Bupa App Today