Niva Bupa Aspire Gold+ Plan is the first variant of the Aspire series. It is a comprehensive plan that offers essential benefits. You can choose a sum insured from 3 to 15 lakhs. It is designed for both individuals and families. This plan covers a variety of medical expenses that make it comprehensive such as pre and post hospitalization, AYUSH treatment, organ donor expenses and many more that make it comprehensive. It is a good option if you are getting these features in your health insurance.
Aspire Gold+ - Key Highlights
M-iracle
Covers maternity, IVF, adoption, surrogacy and more. Carry forward the balance SI up to 10X
Booster+
Sum Insured carries forward to the next policy year, maximum up to 3 times of Base Sum Insured.
Borderless
Covers treatment anywhere in the world
100% CSR
100% claim settlement ratio in last 3 months
10,769+ Hospitals
More then 10,000+ hospitals pan India
Live Healthy
Up to 30% discount on renewal premium basis step count.
Features & Benefits
Note: Room rent limits can impact all expenses related to hospitalization. For better coverage, ensure that your health plan does not have any room rent limits.
Note: This allows the coverage amount to be automatically refilled when your coverage exhaust due to multiple claims
Note: This is an additional coverage amount that the insurance company gives you as a loyalty benefit on policy renewal, without reducing the actual coverage amount.
Note: A large hospital network will allow you to get hassle-free treatment across India without any co-payments and reimbursements, make sure the nearest hospital is included in the network hospital list of your insurer company.
Note: Always ensure that your health plan does not have any co-pay so that you do not have to spend a single penny from your pocket.
Note: It covers all medical expenses like doctor visits, tests, diagnosis, etc. before hospitalization.
Note: This covers all medical expenses, such as doctors’ medication, follow-up and recovery treatment after discharge
Note: All treatments that take less than 24 hours and do not require you to be hospitalised fall under day care treatment.
Note: Hospitalization at home is possible when beds are not available in the hospital or on medical advice.
Up to SI
Note: Covers ambulance charges before and after the hospitalization
Value Added Services
Note: Applicable for insured persons who are 18 years or above.
Note: This is the addition discount that you can avail if you stay active and fit.
Note: This is a free online doctor consultation where you can get professional health advice.
Note: Covers unlimited second medical opinions in policy term for any claim we cover under hospitalization, with access to top doctors through network partners
Additional Features
Note: This feature is good if the treatment requires the Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy (AYUSH) treatment, make sure your policy covers AYUSH treatments.
Note: This is the important feature in future, it may need.
Note: Covers Modern treatments up to SI for the list as specified treatments
Note: Only in case of Emergency. We will pay up to Base SI.
Maternity Benefit(s)
Note: Covers expenses around maternity, IVF, adoption, surrogacy and more.
Available Add-ons
Co-payment options: 0% / 20% / 30% / 40% / 50%
Note: It covers for non-payable 146 items (as per list 1, 2, 3, 4 of annuxure 1 ). Make sure you opt for this add-on so that you do not have to pay any amount from your pocket.
Note: Up to INR 5 Lac Base Sum Insured: INR 1,000/day.
• Between INR 10 Lac to INR 15 Lac Base Sum. Insured: INR 2,000/day
• Above 15 Lac Base Sum Insured: INR 4,000/day.
Exclusions
Note: To know more about the exclusions details, please refer to the policy wording.
About Niva Bupa Health Insurance
Niva Bupa Health Insurance, formerly known as Max Bupa, is a standalone health insurance company in India that focuses only on health insurance and not on other insurance. It is a joint venture company between True North Indian based company and Bupa which is a global healthcare company established in 1947. It has a strong presence in India and Niva Bupa has a wide network to provide a hassle-free-cashless claim process. The company focuses exclusively on health insurance to provide the best for individuals, families, and senior citizens. The company is committed to making quality healthcare accessible and affordable.
FAQs
Restoration benefit automatically replenish the sum insured if the coverage is exhausted due to a medical claim during the policy term.
The waiting period for pre-existing illnesses is 4 years. The policyholder can apply for a claim after the completion of the waiting period.
Yes, the plan offers cashless hospitalization facility if you are admitted to the insurer network hospital.
No, there is no cap on room rent in this plan and there are no other specific sub-limits.
Yes, treatments requiring hospitalization for less than 24 hours such as cataract surgery, dialysis, and chemotherapy are covered.
Yes, the policy covers maternity and newborn baby expenses upon completion of maternity waiting period of 48 months.
Yes, The child should be 91-180 days old at the time of adding the child to the policy after the policy issuance. Spouse will be added after 91 days of policy issuance, provided the date of marriage is after the date of policy issuance
No, there is no limit on room rent or any sub-limit on specific treatments or expenses.
Yes, the plan provides alternative treatments under AYUSH including Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy.
Policy renewal can be done online. Policyholders can contact us at 011 6932-0444, by email at support@liablecover.com, or by contacting their Relationship Manager.
Latest review
DR SURABHI
Good plan
