Niva Bupa Aspire Plan

Niva Bupa Aspire Start Young Plan Benefits

Niva Bupa Aspire Plan offers usual benefits generally covered in a health insurance policy such as hospitalization coverage, pre and post-hospitalization, room rent, domiciliary treatment, personal accident coverage, and AYUSH Treatment. Along with these, there are other exclusive and revolutionary benefits that this health insurance plan offers. Here is the list of benefits:

• M-iracle: Covers expenses related to maternity, IVF, adoption, surrogacy, vaccinations, consultation, sonogram cost, gamete intrafallopian transfer, blood tests, treatment of infertility, and charges of legal adoption of a baby.
• Lock the Clock and Lock the Clock+: Ensures you pay the premium amount determined at the age when you purchased the plan until you make a claim. After a claim, you need to pay the premiums according to your age. In the case of Lock the Clock+, maternity claims will not be considered.
• Booster Plus: You can carry forward the balance sum insured up to 10x depending on the entry age and opted variant. It boosts your existing sum insured on every renewal.
• Cash-Bag benefit: Accumulate cashback on every claim-free year. Though it is an optional benefit, you can accumulate 10% of the 1st renewal premium and 5% of every subsequent renewal premium.
• Fast Forward: An add-on benefit applicable for policies with 2 and 3 years of tenure. It brings forward the future base sum insured and M-iracle sum insured. You can opt for a full claim before the completion of the policy.
• Borderless: Allows you to get treatment from anywhere in the world. This benefit also allows you to opt for a second opinion if you want to get treated in the best hospitals in the world, even if it is outside of the Indian geographical border. You can also opt for the cashless benefit for hospitals outside India.
• WellConsult OPD Wallet: Unlimited tele and video consultations, pharmacy, gym, fitness coach, diet sessions, diagnostic, and emotional wellness. This benefit takes care of your mental and physical wellness altogether.
• Safeguard+: A three-way protection benefit for policyholders. You can increase the SI as per the inflation rate or protect your bonus from the claim filed under INR 1 Lakh. It also gives coverage for other medical equipment such as gloves, cotton, scissors, etc., which are usually not covered in the policy itself.
• Organ Donor Expenses: Covers the cost of organ transplants up to the sum insured. This includes vaccination, surgery, and pre and post-hospitalization costs.

Specifications of Niva Bupa Aspire Variants

How to Claim?

The company offers cashless claim settlement services for a hassle-free claim settlement. You can get treated at one of the network hospitals or diagnostic centers. In cashless claim settlement, you need to inform the company within 24 hours of emergency admission and 72 hours in case of planned admission.

For cashless claim settlement:

• Visit the company page.
• Click on "claim settlement".
• Enter your details and wait for approval.

In case of emergency, show your ID and health e-card to the network hospital of NIVA BUPA to avail of the services.

If you are getting medical services from a non-network hospital, you can avail of reimbursement.

Steps for reimbursement claim:

• Inform the company within 30 days of getting discharged.
• Visit the company website or call customer care.
• Fill in the details and required information.
• Once the document is submitted and approved, your claim will be processed within 7 days.

Documents required for reimbursement claim settlement process:

• Discharge summary given by the hospital while discharging.
• The final consolidated bill & detailed breakup bill.
• Original receipts of all payments made to the hospital.
• Prescriptions for medicines and pharmacy bills.
• Investigation & lab reports.
• In case of a road traffic accident, submit an MLC/FIR.
• Cancelled cheque.
• If the amount is below or equal to 1 Lakh, submit KYC documents.
• Angiography report & scanned original implant invoice along with payment receipts and implant labels/stickers for stents/mesh/IOL in case of coronary artery disease.
• Road Traffic Accident: Copy of the First Information Report (FIR) from the Police Department, copy of the Medico-Legal Certificate (MLC), papers used during the first consultation, doctor's certificate confirming whether the patient was under the influence of alcohol or any drug at the time of incidence or not.
• Blood test report & platelets report in cases of Dengue/Malaria/Typhoid.
• Histopathology report in case of Cancer.
• Ultrasound report & certificate that confirms the obstetric history of Gravida, Para, Living children, or Abortions from treating doctor while going for Maternity Claim.
• Ultrasound report and first consultation paper in case of Kidney stones/Gall stones.

Also, you can visit PolicyX for help or any further information.