Aspire Max (Aspire + Health Recharge)
A combination product of Aspire and Health Recharge(Super Top Up) Product
Upto 15% online discount & 30% renewal discount*
50K+ Customers
Many individuals have already opted for Niva Bupa Health Insurance
Key features of Aspire Max
1. Pre-existing Diseases
2. Specified disease/procedure waiting period
3. 30-day waiting period
4. Investigation & Evaluation
5. Rest Cure, rehabilitation and respite care
6. Obesity/ Weight Control
7. Hazardous or Adventure sports
8. Breach of law
9. Excluded Providers
10 Treatment for, alcoholism, drug or substance abuse or any addictive condition and consequences thereof.
11. Treatments received in heath hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons.
12. Refractive Error
13. Unproven Treatments
This is partial list of exclusions. For complete list of exclusions, please refer to the policy wording document.
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Read more about the product through Product Brochure and Policy Wording documents
Aspire Max Brochure
Download the Brochure to understand the Aspire Plan better
Aspire Max Policy Wordings
Find out all you need to know about the plan here
Aspire Max Claim form
Download the form to make a hassle-free claim
Aspire Max Proposal Form
Download the proposal form here
Key Benefits of Aspire Max
Planning for a Healthy Tomorrow - Niva Bupa stands out as the ideal choice with its swift 30-minute cashless claim process, a vast network of 10,400+ hospitals, and round-the-clock customer service, ensuring your health and peace of mind are protected at all costs.
Unlocking Incentives with Early Health Coverage:
Start your journey towards lifelong well-being with our innovative Health Insurance plan designed exclusively for those who start young. We believe in rewarding proactive health choices, so our plan offers unique incentives for early enrollment. By embracing health coverage at a young age, policyholders secure comprehensive protection and unlock various benefits, including lower premiums, accumulative bonuses, and tailored wellness programmes.Take charge of your health early on, and let our insurance plan be your companion in building a healthy foundation for a vibrant and secure future. With our 'Start Young, Stay Rewarded' approach, your commitment to well-being pays off in more ways than one.
M-iracle:
Aspire Insurance's M-iracle coverage is your comprehensive solution for family planning. It covers all expenses related to maternity including IVF treatment, surrogacy and more. It provides coverage for antenatal check-ups, gynecologist consultations and other tests, vaccines for the expecting mother, delivery charges - normal or caesarean section as well as delivery by surrogate mother. It also covers adoption charges. The maternity sum insured available to the customer is dependent on the base sum insured opted by the consumer and unutilised maternity coverage will keep on accumulating up to 10X.
Lock the Clock+
With Lock the Clock+, Aspire Insurance encourages you to save smartly as you age. Pay premiums based on your entry age and maintain a cost-effective and consistent coverage plan until you make a claim. This feature complements
Booster+:
Don't let your insurance benefits go to waste. Aspire's Booster+ feature allows you to carry forward unutilised base sum insured and M-iracle sum insured up to 10 times. This innovative offering ensures that your accumulated coverage remains intact, providing a safety net for unexpected healthcare expenses while maximising the value of your insurance investment.
Cas-bag:
Aspire Insurance rewards your healthy choices with the Cash-Bag feature. Cash-Bag lets you accumulate cashback on every claim-free year. This can be used to offset premiums, deductibles, co-payments, or even outpatient expenses. This unique incentive promotes a healthy lifestyle and adds a financial boost to your overall insurance experience.
Fast Forward
Do not wait for what you have already paid for—unlock your coverage instantly! With the Fast-Forward Benefit, you can access the full combined Base Sum Insured and M-iracle Sum Insured for your multi-year policy right from the first year. If you choose a 2- or 3-year policy with this optional benefit, the total Base Sum Insured for the entire tenure will be available to you from Day 1. This advantage extends beyond just the Base Sum Insured—it also applies to the Maternity Sum Insured.For instance, if a customer purchases a policy with a Base Sum Insured of INR 10 lakh and a Maternity Sum Insured of INR 12,000 for a 3-year tenure, the Fast-Forward Benefit ensures they can access INR 30 lakh as their Base Sum Insured and INR 36,000 as their Maternity Sum Insured right from the start.
Borderless
Aspire Insurance breaks down geographical barriers with the Borderless feature. Enjoy the freedom to receive treatment anywhere in the world, ensuring you have access to quality healthcare regardless of your location. This global coverage adds an extra layer of security, making Aspire Insurance a reliable companion for your health and well-being worldwide.
Future Ready
If the customer opts for this optional benefit, all waiting periods served by the customer will be passed on to his/her future spouse as well. The future spouse will not need to serve all waiting periods from the start! Moreover, the benefit provides guaranteed issuance to the Future spouse.
Expenses in Reaching a Hospital:
Expenses for reaching a hospital, including road and air ambulance services, are covered up to the sum insured. This ensures that the financial burden of emergency transportation is mitigated, providing timely access to medical facilities without compromising on quality care.
Hospitalisation Benefits (Including AYUSH):
All expenses during hospitalisation, spanning conventional and AYUSH treatments, are covered up to the sum insured. This comprehensive coverage covers all day-care procedures, ensuring that even shorter-duration treatments are included within the policy, with a special provision of 24+ hours for AYUSH treatments.
Coverage for Modern Treatment:
As medical technology advances, so does our coverage. Modern treatments are covered up to the sum insured, ensuring policyholders have access to the latest medical interventions without worrying about exceeding their coverage limits.
Pre and Post-Hospitalisation Coverage:
The policy provides a holistic approach by offering coverage during hospitalisation and expenses incurred before (up to 60 days) and after (up to 180 days) hospitalisations. This inclusive feature covers medical costs associated with recovery and rehabilitation, providing a comprehensive safety net for policyholders.
Home Care/Domiciliary Coverage:
Recognising the evolving healthcare landscape, our policy extends its coverage to home care or domiciliary treatments, ensuring that patients can receive necessary care in the comfort of their homes. This feature is covered up to the sum insured, promoting a patient-centric and flexible approach to healthcare.
Organ Donor Expenses:
To promote organ donation and transplant procedures, our policy covers all expenses related to organ donors, including the medical procedures and associated costs. This coverage is extended to the sum insured, eliminating financial barriers and facilitating life-saving procedures for those in need
Unlimited Tele & Video Consultations:
Enjoy the convenience of unlimited consultations with general physicians at any time through telemedicine and video calls. This feature ensures immediate access to medical advice, promoting proactive healthcare management.
Physical Consultation Wallet:
Access consultations with specialists or general physicians with a dedicated wallet, providing coverage of up to ₹10,000. Benefit from cashless services and reimbursement options, with a nominal 20% co-payment, for personalised and specialised care.
Diagnostic Wallet:
Ensure comprehensive health coverage by utilising the Diagnostic Wallet, covering prescribed diagnostic tests up to ₹10,000. This feature offers both cashless services and reimbursement, with a 20% co-payment, ensuring timely access to crucial medical examinations.
Pharmacy Wallet:
Obtain coverage for prescribed medicines with the Pharmacy Wallet, extending up to ₹2,500. This feature provides cashless services and reimbursement options with a 20% co-payment, making essential medications more accessible and affordable.
Emotional Wellness:
Prioritise your mental health with 10 cashless sessions on emotional wellness through our app. This feature acknowledges the importance of emotional well-being and offers a supportive platform for seeking professional help.
Gym, Fitness Coach & Diet-Nutrition Sessions:
Elevate your overall well-being with access to gyms two days a week per adult. Enjoy unlimited sessions on fitness, diet, and nutrition, promoting a holistic approach to health. This feature encourages an active and balanced lifestyle through personalised guidance and resources.
Why Choose Us?
We offer a range of plans that go beyond traditional health insurance norms. Including unique features such as unlimited tele and video consultations, specialised wallets for physical consultations, diagnostics, pharmacy expenses, and dedicated coverage for emotional wellness sets us apart in the industry. Incorporating advanced technology into our services ensures efficiency, while a transparent and customer-centric ethos simplifies the entire healthcare experience.
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5
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.
5
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.
5
app rating by customer
New Ul is crisp. Really an upgrade in experience.
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www.nivabupa.com
+91 11 30902010
1860-500-8888
CIN: L66000DL2008PLC182918
IRDAI Registration No. 145
Corporate Office: 3rd Floor, Capital Cyberscape, Sector 59, Gurgaon
Registered Office: C-98, First Floor, Lajpat Nagar, Part 1, Delhi-110024, India
- *Applicable on individual health policies including family floater and senior citizen
- Insurance is a subject matter of solicitation. Niva Bupa Health Insurance Company Limited (IRDAI Registration Number 145, Category:Health), 'Bupa' and 'HEARTBEAT' logo are registered trademarks of their respective owners and are being used by Niva Bupa Health Insurance Company Limited under license. CIN: L66000DL2008PLC182918
- 1 Niva Bupa processes pre-authorisation 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 does not include pre-authorisation settlement at the time of discharge or system outage.
- 2 Since Inception refers to claim data from 2010 till December 2023.
- 3 ReAssure 3.0 Premium: Quoted premium is for 1 years tenure for Black variant with Unlimited Sum Insured for 1 Adult aged 18 years living in Kangra, Himachal Pradesh.
- 4 ReAssure 2.0 Premium: Quoted premium is for Titanium+ variant, INR 5 lacs sum insured with 1 years tenure, 1 Adult aged 18 years living in Guwahati, Assam.
- 5 Health Premia Premium: Quoted premium is for for Gold variant, INR 10 lacs Sum Insured with a policy tenure of 1 year for 1 Adult aged 18 years living in Delhi with Zone 2 Option
- 6 Aspire Premium: Quoted premium is for INR 5 lacs sum insured with 1 years tenure, 1 Adult aged 18 years living in Ranchi. The Premium is exclusive of Digital Discount.
- 7 Senior First Premium: Quoted premium is for INR 5 lacs Sum Insured (with 50% co-payment) with a policy tenure of 1 year, 1 Adult aged 61 years living in Delhi.
- Beware of spurious / fraud phone calls! Do not share your confidential information like Debit / credit card number, Internet Banking User ID/Password, Pin, CVV, OTP, etc. with anyone. Avoid clicking on attachments / payment link received in mails / message from unknown sources. IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment or premium. Public receiving such phone calls are requested to lodge a police complaint. Do not respond to unsolicited and attractive offers received through unidentified calls, emails, SMSs, and other social media platforms. Beware of misleading telephone calls from people posing as Niva Bupa officials, agents, IRDAI Officials, Officials from ECI (Office of the Executive Council of Insurers) etc. and offering alluring benefits or sharing false information on your policy or on Niva Bupa. Niva Bupa shall not be responsible for any loss or damages whatsoever for any acts or omissions arising out of such spurious calls, and all customers are advised to contact our customer care at 1860-500-8888 and verify any representations or promises made by any such spurious callers before acting upon the same.
- ^Claim Promise with Zero deductions
- This is applicable for ReAssure, Reassure 2.0, Aspire and Rise product
- a. Buy your Niva Bupa policy for coverage of 10 Lacs or above, with Safeguard+ add on
- b. Intimate Niva Claim helpline (1860-500-8888) 48 hours before hospitalization for non-emergency treatments
- d. Receive a claim assurance with zero deduction, in accordance with policy inclusions and T&C
- c. Choose any hospital from the list of recommendations given by Claim Advisor for your treatment, via cashless facility
- e. Claims Exclusions: the guarantee will not apply to claims arising due to exclusions stated in the policy (e.g.- non-disclosure, fraud, standard exclusions, waiting periods etc.)
