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Introducing a health insurance plan that rewards you for starting young.
A plan that allows you to opt for overseas treatment.
Several health insurance plans are on the market, but have you ever heard about a plan that offers complete maternity benefits? Yes, now we have a plan that covers complete maternity benefits under M-iracle benefits. Niva Bupa's Aspire Start Young plan is something to look forward to in health insurance. The Niva Bupa Aspire Plan offers comprehensive health insurance with unique benefits like maternity coverage, overseas treatment, and wellness rewards. It offers not just great maternity benefits but also credits if you stay healthy. It also provides borderless benefits - another unique feature. The plan comes in four variants:
If you are young and just starting your career, this plan is for you. The plan is reasonable as it provides comprehensive coverage up to 1 Crore. This plan is very different from others in the market and offers additional benefits as well. Have a look below to see how Niva Bupa Aspire's plan is different.
To check other plans offered by Niva Bupa Health Insurance companies, visit their website.
This feature celebrates parenthood. Babies are indeed miracles and bring new meaning to lives. You will be covered if you plan to adopt a child, a unique offering in today's insurance market. If you choose this plan, you will get the following benefits:
Under the Booster+ benefit of the Niva Bupa Aspire Plan, you can carry forward the unutilized base sum insured. Also, the base sum insured will be accumulated up to 10 times as per the variant you choose.
Example: Rahul is a 25-year-old who opted for the policy with an INR 10 Lakh base sum insured in 2023. For the next 10 years, he does not apply for a claim. By 2033, that 10 Lakh SI will have a value of INR 1.10 Crore of SI, which is INR 10 Lakh + INR 1 Crore Booster+.
This way, by the age of 35, he will be completely secured for any kind of medical emergency.
This feature ensures that the age of the policyholder will be locked at the entry when you buy the policy until the claim is paid.
Additionally, Lock the Clock+ is an extended version of this feature, which states that if you claim M-iracle, there will be no changes in the premiums, but any other type of claim will affect the premiums accordingly.
Under this benefit, you just need to walk and get a discount on the next renewal. For this, you need to download the Niva Bupa App and collect health points by walking. According to the plan, 1000 steps will be equal to 1 point.
The Future Ready benefit allows you to add your future spouse to the plan. The amazing part is, all the waiting periods will be waived off as per your policy timing. Example: Ramesh purchased the Niva Bupa Aspire plan at the age of 25. He added the Future Ready benefit to the policy. After he got married at the age of 30, his wife was diagnosed with a critical illness. He can avail of the cashless treatment benefit without waiting because he has served his waiting period earlier and can now claim the treatment charges.
This plan waives off the maternity benefit waiting period and covers all the benefits for your spouse that you already have.
With this benefit, you can get planned or emergency treatment at any hospital in the world. This means that even if you are diagnosed with a disease in India but want to get treated at one of the top hospitals in the world, it is possible. Whether it is in London, France, Germany, or anywhere in the world, you can avail of the treatment and claim for the reimbursement. You can also choose co-payment options.
With the WellConsult benefit, you can get complete wellness and OPD benefits. Here is the list of all the exclusive benefits for you:
| PLAN DETAILS |
Max Health Aspire Plan |
Pnb Oriental Royal Mediclaim Insurance Policy |
| Product Type | Individual and Family Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Covered | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
10000 | 4000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | Not Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | Not Covered |
| Plan Entry Age | 18 years | 18 to 79 Years |
| Plan Premium Entry Age and S/A | 1480 | 8393 |
| Plan Waiting Period | 30 Days | 30 |
| Plan Coverage | - | - |
| Plan Sample Premium | 1480 | 8393 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 2 and 3 Years | 1 Year |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Covered | Not Covered |
| Ayush Treatment | Covered | Not Covered |
| Modern Treatment | Covered | Not Covered |
| E Consultation | Covered | Not Covered |
| Air Ambulance | Covered | Not Covered |
| Global Coverage | Covered | Not Covered |
| Claim Ratio | 98 | 91.62 |
| Solvency Ratio | 3.03 | -1.03 |
|
Niva Bupa Aspire Health Plan | Best Health Insurance 2024 | Oriental Health Insurance |
||
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