Aspire Health Insurance

Introducing a smart health insurance plan that grows with you. Lower premiums, lifelong benefits, and exclusive rewards—just for starting early.

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50K+ Customers

Many individuals have already opted for Niva Bupa Health Insurance

Key features of

Lock the Clock

Lock the Clock+

Maternity coverage (M-iracle Benefit)

Booster+

Reassure Forever

Hospitalisations of 2 hours or more covered

In-Patient Care (Hospitalisation)

Hospital Accomodation

Pre & Post Hospitalization Medical Expenses

Organ Transplant

Home care/Domiliciary Treatment

Emergency Ambulance

Borderless

WellConsult (OPD)

Cash-Bag

Future Ready

Hospital Cash

Safeguard+

Permanent Exclusions

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vs Other Market Health Insurance Plans

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Benefits

Aspire

Others

Comprehensive Maternity Benefit - M-iracle

Coverage for Deliveries, IVF, Surrogacy, Adoption, Pre-natal Check-ups and Vaccinations for Expecting Mother

Comprehensive cover

Limited to Deliveries only

Carry Forward Sum Insured

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

Maximum up to 10X works on Base and M-iracle Sum Insured

Up to 7X only

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 and Forever.Once activated, stays activated.

Only once in a year. Fresh activation every 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

Minimum Hospitalisation

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

2+ hours

24+ hours

Treatment Outside India - Borderless Benefit

Get coverage anywhere in the world with Aspire plan.

For Any Illness / Condition

For Specific Illnesses Only

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Other Popular Health Insurance Plans

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Nothing Seems Impossible

Starts from

₹ 7,326^

Annual Premium

₹ 5,00,000

Annual Premium

Pay premium as per your entry age (till a claim is paid)
Carry forward unused base sum insured up to 10 times of base cover
Use and get back your base coverage, over and above the balance. Unlimited times and forever
Get up to 30% discount on renewals basis step count

This plan offers full COVID-19 cover

A Comprehensive Health Plan

Starts from

₹ 11,572^^

Annual Premium

₹ 5,00,000

Sum Insured

Comprehensive coverage up to ₹ 3Cr
In-built travel insurance coverage
International coverage
Loyalty Additions of 10% in sum insured per year

This plan offers full COVID-19 cover

A plan that keeps giving you more

Starts from

₹ 16,125^^

Annual Premium

₹ 5,00,000

Sum Insured

Use and get back your base coverage, over and above the balance. Unlimited times
Coverage even for non-payable items like gloves etc
Avail Annual Health-check up from Day 1
No mandatory Pre-Issuance Medical test

This plan offers full COVID-19 cover

Day 1 Coverage for Diabetes & Hypertension

Starts from

₹ 2,474^^

Annual Premium

₹ 5,00,000

Sum Insured

No waiting period for pre-existing diabetes and hypertension
Up to 20% off on renewal premium based on quarterly test results
No extra loadings for pre-existing diabetes and hypertension
Diagnostic tests covered up to INR 3,000 per year

This plan offers full COVID-19 cover

Download Resources

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

Aspire Brochure

Download the Brochure to understand the Aspire 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 proposal form here

Key Benefits of Aspire

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.

Frequently Asked Questions

What is the 30-minute cashless claim process offered by Niva Bupa?

How does Aspire Insurance reward early enrollment?

What maternity and family planning benefits are included under the M-iracle feature?

What are the benefits of the Fast-Forward feature in Aspire Insurance?

Download the
Niva Bupa App Today

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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 Aspire Plan: Key Features and Benefits

Discover the Niva Bupa Aspire Plan: Comprehensive health coverage, global care, maternity benefits, rewards for healthy habits, and unique features for peace of mind!

Niva Bupa Aspire vs Reassure 2.0: A Comprehensive Comparison

Explore a comprehensive comparison between Niva Bupa Aspire and ReAssure 2.0, two leading health insurance plans, to find the best coverage for your needs.

Understanding the Claims Process with Niva Bupa Aspire Plan

Learn about the claims process with Niva Bupa Aspire, designed to offer a seamless and hassle-free experience. Simplify your claims journey with Niva Bupa Aspire today!

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Aspire Health Insurance

Key features of

Check out the product explainer video

vs Other Market Health Insurance Plans

Other Popular Health Insurance Plans

Download Resources

Aspire Brochure

Aspire Policy Wordings

Aspire Claim form

Aspire Proposal Form

Key Benefits of Aspire

Unlocking Incentives with Early Health Coverage:

M-iracle:

Lock the Clock+

Booster+:

Cas-bag:

Fast Forward

Borderless

Future Ready

Expenses in Reaching a Hospital:

Hospitalisation Benefits (Including AYUSH):

Coverage for Modern Treatment:

Pre and Post-Hospitalisation Coverage:

Home Care/Domiciliary Coverage:

Organ Donor Expenses:

Unlimited Tele & Video Consultations:

Physical Consultation Wallet:

Diagnostic Wallet:

Pharmacy Wallet:

Emotional Wellness:

Gym, Fitness Coach & Diet-Nutrition Sessions:

Why Choose Us?

Frequently Asked Questions

What is the 30-minute cashless claim process offered by Niva Bupa?

How does Aspire Insurance reward early enrollment?

What maternity and family planning benefits are included under the M-iracle feature?

What are the benefits of the Fast-Forward feature in Aspire Insurance?

Download the Niva Bupa App Today

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Download the
Niva Bupa App Today