Niva Bupa (erstwhile Max Bupa)
Aspire Gold +
Niva Bupa's Aspire Gold+ plan is a modern health insurance solution tailored to meet diverse healthcare needs while rewarding proactive health management. It offers comprehensive coverage for hospitalization, alternative treatments, day-care procedures, and modern treatments. The plan also includes global coverage through the "Borderless" feature, annual health check-ups, and rewards for claim-free years via the "Cash-Bag" benefit. With coverage options ranging from ₹3 lakh to ₹1 crore, Aspire Gold+ ensures flexibility and robust protection for individuals and families.
What's good here?
Restoration Forever
Your cover is restored in full the moment you make a claim. And you will have the extra cover throughout your policy term. Also the restored sum will be added on top of your existing cover and you can claim the full amount (what's left of your base cover and the restored sum) while making a claim. You can talk to our advisors for a more thorough explanation.
Your cover is restored in full the moment you make a claim. And you will have the extra cover throughout your policy term. Also the restored sum will be added on top of your existing cover and you can claim the full amount (what's left of your base cover and the restored sum) while making a claim. You can talk to our advisors for a more thorough explanation.
You’ll never have to split the bill
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
Pre & Post hospitalization expenses covered
No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 60 days before you are hospitalized and 180 days after discharge. This includes the cost of medication by the way.
Day Care treatments covered
If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.
Free Health Checkups
Available from day-1, for defined list of tests from network facilities only.
Covers Alternative Medicine
Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will cover you fully, up to the sum insured.
You always have full cover irrespective of the disease
No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.
Unlimited Restoration Benefit
Even after you claim part of the cover on one occasion, you will be allowed to claim the full cover any number of times repeatedly if you are hospitalized in the future. All in the same year by the way!!!
Carry forward your unutilized cover
Every year the policy will calculate the unutilized base cover and transfer it to the next year. So if you started with 10 lakhs and you made a claim totaling 2 lakhs, the remaining 8 lakhs will be added to your cover next year and you will have 18 lakhs (10 lakhs base cover + 8 Lakhs unutilized base cover as bonus) for the next year. This will continue until your cover totals 2x-4x the base sum insured depending on your entry age.
Full coverage even if you are forced to hospitalize at home
The insurer will bear the costs even if you are hospitalized at home due to a condition or the hospital running out of beds. In insurance lingo, they call this a policy with domiciliary cover.
Maternity benefits offered
The insurer will also cover expenses related to maternity— Think hospitalization expenses incurred while giving birth. But they’ll only pay upto ₹5,000 and make you wait 4 years before covering this expense.
What's okay here?
Room rent
Reasonable waiting period for pre-existing diseases
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.
Doctor consultations are not covered
TODO
Add-ons
Future Ready
This add-on provides guaranteed issuance & Continuity on waiting periods served by you for your future spouse.
Fast Forward
This add-on helps you combine Multi-Tenure Sum Insured to be used anytime. Applicable for Base and M-iracle Sum Insured(maternity benefit)
Cash-Bag
This add-on accumulates cashback on every claim-free year which can be used to pay for Premiums, OPD, Deductible, and Co-Payment. Cashback is 10% of 1st renewal premium and 5% of every subsequent renewal premium.
Frequently Asked Questions
Talk to IRDAI-certified experts
Health is tricky, and insurance trickier. But we’ll simplify it for you - for FREE! Book a call now. Limited slots available.