🌟 Gold+ • Diamond+ • Platinum+ • Titanium+

Niva Bupa Aspire is a next-generation comprehensive health insurance plan designed for individuals and families. It combines extensive hospitalization coverage with innovative benefits such as ReAssure Forever, Booster+, Lock the Clock, M-iracle (Maternity & Fertility Cover), Borderless Worldwide Treatment, Cash-Bag Rewards, and Future Ready benefits. It is available in Gold+, Diamond+, Platinum+, and Titanium+ variants.

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🛡️ Plan Variants

🥇 1. Gold+

A comprehensive health insurance plan with innovative features and value-added benefits.

✨ Key Features

🏥 Comprehensive Hospitalization Cover

♾️ ReAssure Forever

📈 Booster+ Benefit

🩺 Annual Health Check-up

🌿 AYUSH Treatment

👨‍⚕️ Unlimited E-Consultations

🩺 Unlimited Second Medical Opinion

💰 Cash-Bag Rewards

🌍 Borderless Worldwide Treatment (Optional)

👶 M-iracle Maternity Benefit

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💎 2. Diamond+

Enhanced protection with higher Booster+ benefits and premium features.

✨ Additional Benefits

🔒 Lock the Clock

📈 Booster+ up to 5X

♾️ Unlimited ReAssure Forever

🛏️ No Room Rent Restriction

👶 M-iracle with Shorter Waiting Period

💰 Cash-Bag Rewards

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👑 3. Platinum+

Premium protection with larger long-term health coverage.

✨ Premium Benefits

📈 Booster+ up to 10X

🔒 Lock the Clock

♾️ ReAssure Forever

👶 M-iracle (9-Month Waiting Period)

🌍 Borderless Worldwide Treatment

💰 Cash-Bag Rewards

🏥 Fast Forward Benefit

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💠 4. Titanium+

The most comprehensive Aspire variant.

✨ Exclusive Benefits

🔒 Lock the Clock+

📈 Booster+ up to 10X

♾️ Unlimited ReAssure Forever

👶 M-iracle

🌍 Worldwide Treatment

💰 Cash-Bag

🚀 Fast Forward

💙 Future Ready Benefit

🛡️ Highest Level of Protection

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💰 Sum Insured Options

Choose from:

✅ ₹3 Lakhs

✅ ₹5 Lakhs

✅ ₹7.5 Lakhs

✅ ₹10 Lakhs

✅ ₹15 Lakhs

✅ ₹20 Lakhs

✅ ₹25 Lakhs

✅ ₹50 Lakhs

✅ ₹1 Crore

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👨‍👩‍👧 Who Can Be Covered?

👤 Self

💑 Spouse

👶 Dependent Children

👴 Parents

👵 Parents-in-law

👨‍👩‍👧 Family Floater

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🏥 Hospitalization Coverage

The plan covers eligible expenses for:

🛏️ Room Rent

🏥 ICU Charges

👨‍⚕️ Doctor Consultation

💉 Surgery Expenses

🩺 Nursing Charges

💊 Medicines

🧪 Diagnostic Tests

🩸 Blood & Oxygen

🦴 Medical Implants

🌿 AYUSH Hospitalization

Coverage begins for eligible hospitalizations lasting 2 hours or more (AYUSH generally requires 24-hour hospitalization).

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🚑 Pre & Post Hospitalization

Before Hospitalization

📅 60 Days

🩺 Doctor Consultation

🧪 Diagnostic Tests

💊 Medicines

After Hospitalization

📅 180 Days

🩺 Follow-up Consultation

💊 Medicines

🧪 Diagnostic Tests

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💉 Day Care Procedures

Coverage includes eligible daycare treatments such as:

👁️ Cataract Surgery

❤️ Angiography

🩸 Dialysis

🧬 Chemotherapy

☢️ Radiotherapy

🦴 Arthroscopy

👂 ENT Procedures

🏥 Minimally Invasive Surgeries

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🧬 Modern Treatments

Coverage includes eligible advanced medical procedures like:

🤖 Robotic Surgery

💉 Immunotherapy

🧬 Stem Cell Therapy (Specified Conditions)

🧠 Deep Brain Stimulation

🌬️ Balloon Sinuplasty

🫁 Bronchial Thermoplasty

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♾️ ReAssure Forever

One of Aspire's biggest highlights.

✅ Unlimited restoration after the first eligible claim.

♾️ Every eligible claim can restore the Base Sum Insured, including for future claims during the policy year, subject to policy terms.

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📈 Booster+ Benefit

Unused Base Sum Insured is carried forward every claim-free year.

Maximum Booster+ Accumulation

🥇 Gold+

👤 Age 18–35 → Up to 3X

👤 Age 36–45 → Up to 2X

👤 Age 46+ → Up to 1X

💎 Diamond+

👤 Age 18–35 → Up to 5X

👤 Age 36–45 → Up to 3X

👤 Age 46+ → Up to 2X

👑 Platinum+ & Titanium+

👤 Age 18–35 → Up to 10X

👤 Age 36–45 → Up to 5X

👤 Age 46+ → Up to 3X

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🔒 Lock the Clock

Protects you from age-related premium increases.

💎 Available in Diamond+

👑 Available in Platinum+

Premium remains linked to your entry age until the first paid claim, subject to policy conditions.

💠 Titanium+

Includes Lock the Clock+, where eligible M-iracle claims do not break the age lock.

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👶 M-iracle Benefit

A unique maternity and fertility benefit.

Covers

🤰 Maternity Expenses

👶 Newborn Baby Cover

🧫 IVF Treatment

🤱 Adoption Expenses

🍼 Surrogacy-related Benefits

Waiting Period

🥇 Gold+ – 48 Months

💎 Diamond+ – 24 Months

👑 Platinum+ – 9 Months

💠 Titanium+ – 9 Months

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🌍 Borderless Benefit

Receive eligible treatment anywhere in the world.

🌎 Worldwide hospitalization

🏥 International treatment access

💰 Subject to selected option and applicable co-payment

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💰 Cash-Bag Benefit

Earn rewards for staying healthy.

🎁 Cashback for every claim-free year

💳 Can be used towards:

✔️ Renewal Premium

✔️ Deductible

✔️ Co-payment

✔️ Eligible OPD Expenses

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🚀 Fast Forward Benefit

Multi-year policyholders can access the combined Sum Insured earlier instead of waiting for each policy year, subject to policy terms.

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💙 Future Ready Benefit

Designed for young policyholders.

💍 Waiting periods already served can be transferred for an eligible future spouse added after marriage, subject to policy conditions.

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🩺 Annual Health Check-up

✔️ Cashless Preventive Health Check-up

🩸 Health Screening

👨‍⚕️ Diagnostic Tests

Available every policy year as per plan terms.

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🚑 Ambulance Cover

🚑 Road Ambulance

✈️ Air Ambulance

Covered up to the Sum Insured as per policy conditions.

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🌿 AYUSH Treatment

Coverage for inpatient treatment under:

🌱 Ayurveda

🧘 Yoga

🌿 Naturopathy

💊 Unani

🌼 Siddha

✨ Homeopathy

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❤️ Organ Donor Cover

Coverage includes:

❤️ Organ Donor Hospitalization

🧪 Donor Medical Expenses

🏥 Organ Transplant Expenses

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➕ Optional Benefits

🛡️ Safeguard+

🏥 Hospital Cash

❤️ Personal Accident Cover

🌍 Borderless Worldwide Cover

💊 WellConsult OPD

📈 PED Waiting Period Modification

🛏️ Room Upgrade Options

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⏳ Waiting Period

📅 Initial Waiting Period – 30 Days (except accidents)

🩺 Specific Diseases – 24 Months

❤️ Pre-existing Diseases – 36 Months (unless reduced through applicable optional benefits)

Accidental hospitalization is covered from Day 1.

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❌ Major Exclusions

🚫 Cosmetic Surgery

🚫 Self-inflicted Injuries

🚫 Alcohol & Drug Abuse

🚫 Experimental Treatments (unless covered)

🚫 Non-medical Expenses (unless covered through add-ons)

🚫 Treatments outside policy terms

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⭐ Why Choose Niva Bupa Aspire?

✅ Coverage up to ₹1 Crore

✅ ReAssure Forever Unlimited Restoration

✅ Booster+ up to 10X

✅ Lock the Clock & Lock the Clock+

✅ M-iracle Maternity & IVF Benefits

✅ Worldwide Treatment Option

✅ Cash-Bag Rewards

✅ Fast Forward Benefit

✅ Future Ready Benefit

✅ Annual Health Check-up

✅ Organ Donor Cover

✅ Family Floater Available

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📄 Documents Required

🪪 Aadhaar Card

🆔 PAN Card (if applicable)

📍 Address Proof

📷 Passport-size Photograph

🏥 Previous Medical Records (if required)

💳 Bank Account Details

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📞 Need More Information?

💙 Secure Your Family with Niva Bupa Aspire!

📞 Free Expert Consultation

💻 Instant Premium Quote

📝 Quick & Hassle-Free Policy Issuance

🏥 Choose Gold+, Diamond+, Platinum+, or Titanium+ and enjoy innovative health insurance with lifelong protection, maternity benefits, worldwide treatment options, and industry-leading wellness features.