Niva Bupa Aspire Health Plan is a comprehensive health insurance policy that offers comprehensive maternity coverage and financial protection against other medical expenses. Designed to meet the diverse healthcare needs of individuals and families, the plan ensures access to quality medical care without the burden of huge bills. Niva Bupa Aspire Plan comes in four variants: Gold+, Diamond+, Platinum+, and Titanium+, with coverage up to Rs 1 crore. This plan page will show the key features, benefits, and coverage options of the Niva Bupa Aspire Health Plan.
Highlights of Niva Bupa Aspire Plan
Below are the highlights of the Niva Bupa Health Aspire Insurance Policy:
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Entry Age
Adult: 18 Years to 46 Years Child: 1 Day to 24 Years
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Renewability
Lifelong
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Policy Type
Individual and Family Floater
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Plan Variant
Gold+/ Diamond+/ Platinum+/ Titanium+
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Sum Insured
3L/ 5L/ 7.5L/ 10L/ 15L/ 20L/ 25L/ 50L/ 1 Cr
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Policy Term
1, 2 and 3 Years
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Waiting Period for PED
1 Year to 4 Years
Eligibilities to buy Niva Bupa Aspire Health Insurance Policy
Below is the eligibility of the Niva Bupa Aspire Health Insurance Plan:
- Individual
- Family Floater
Entry Age: 18 Years to 46 Years
Entry Age: 18 Years to 46 Years
Policy Term: 1,2,3 Year
Child: 1 Day to 24 Years
Niva Bupa Aspire Health Plan Coverage Benefits
Niva Bupa Aspire Health Insurance Plan has four variants and offers its policyholders various coverage benefits. Below are the coverage benefits offered under the Niva Bupa Aspire Health Plan:
| Plan Type | Gold+ | Diamond+ | Platinum+ | Titanium+ |
|---|---|---|---|---|
| Coverage Benefits | INR 3L/ INR 5L/ INR 7.5L/ INR 10L/ INR 15L/ INR 20L/ INR 25L/ INR 50L/ INR 1 Cr | |||
| Room Rent | Covered up to SI | Covered up to SI | Covered up to SI | Covered up to SI |
| ICU Charges | Up to the Sum Insured | Up to the Sum Insured | Up to the Sum Insured | Up to the Sum Insured |
| Pre-Hospitalization | Covered for 60 Days Up to SI | Covered for 60 Days Up to SI | Covered for 60 Days Up to SI | Covered for 60 Days Up to SI |
| Post-Hospitalization | Covered for 180 Days Up to SI | Covered for 180 Days Up to SI | Covered for 180 Days Up to SI | Covered for 180 Days Up to SI |
| Domiciliary Hospitalization | Covered up to the Sum Insured | Covered up to the Sum Insured | Covered up to the Sum Insured | Covered up to the Sum Insured |
| Daycare Treatments | All daycare treatments are covered | All daycare treatments are covered | All daycare treatments are covered | All daycare treatments are covered |
| OPD Charges | Covered | Covered | Covered | Covered |
| No Claim Bonus | Available up to 10 times the sum insured | Available up to 10 times the sum insured | Available up to 10 times the sum insured | Available up to 10 times the sum insured |
| Automatic Restoration | Unlimited times up to 100% of SI | Unlimited times up to 100% of SI | Unlimited times up to 100% of SI | Unlimited times up to 100% of SI |
| Organ Donor | Covered up to SI | Covered up to SI | Covered up to SI | Covered up to SI |
| Daily Hospital Cash | Available as an add-on rider | Available as an add-on rider | Available as an add-on rider | Available as an add-on rider |
| AYUSH Treatment | Covered up to SI | Covered up to SI | Covered up to SI | Covered up to SI |
| Maternity Cover | Covered up to SI | Covered up to SI | Covered up to SI | Covered up to SI |
| New Born Baby Cover | Available | Available | Available | Available |
| Modern Treatment | Covered up to SI | Covered up to SI | Covered up to SI | Covered up to SI |
| Ambulance Cover | Covered up to SI | Covered up to SI | Covered up to SI | Covered up to SI |
| Health Checkup | Available | Available | Available | Available |
| Global Coverage | Covered | Covered | Covered | Covered |
| Co-payment | Applicable in specific case | Applicable in specific case | Applicable in specific case | Applicable in specific case |
| Vaccination | Covered | Covered | Covered | Covered |
| E-consultation | Unlimited e-consultation | Unlimited e-consultation | Unlimited e-consultation | Unlimited e-consultation |
| Second Medical Opinion | Available | Available | Available | Available |
Coverage after Waiting Period
Given below are the coverage benefits offered under the Niva Bupa Health Recharge Super Top-up Insurance policy after a certain waiting period:
| Coverage Benefits | Waiting Period |
|---|---|
| Initial Waiting Period | 30 Days |
| Pre-Existing Diseases | 1 Year to 4 Years |
| Specific Diseases | 1 Year to 2 Year |
Niva Bupa Aspire Health Plan Exclusion
Below is the list of diseases and conditions not covered under the Niva Bupa Aspire Health Plan:
- Investigation & Evaluation
- Unproven Treatments
- Unrecognized Physician or Hospital
- Breach of the law
- Conflict & Disaster
- Excluded Providers
- Hazardous or Adventure sports
- Change-of-Gender treatments
- Hormone Replacement Therapy
- Cosmetic or plastic Surgery
- Sleep disorders
- Treatment for alcoholism
- Drug or substance abuse or any addictive condition
- Dental/oral treatment
- Circumcision
- External Congenital Anomaly
- Sexually transmitted Infections & diseases(STIs & STDs)
- Intentional self-inflicted Injury or attempted suicide
Niva Bupa Aspire Health Plan Additional Benefits
The Niva Bupa Aspire Health Plan offers numerous additional benefits that enhance the policy's overall value and coverage. These benefits are designed to provide policyholders with comprehensive health protection, financial security, and access to various healthcare services. Here’s a detailed overview of the additional benefits provided under the Niva Bupa Aspire Health Plan:
The following benefits will be applicable according to the variants of the plan:
| Benefits | Gold+ | Diamond+ | Platinum+ | Titanium+ | ||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Lock the Clock | Not Applicabl | Yes | Yes | Not Applicabl | ||||||||||||||||||||||||||||||||
| Lock the Clock+ | Not Applicable | Not Applicable | Not Applicable | Yes | ||||||||||||||||||||||||||||||||
| M-iracle Waiting Period | 4 Years | 2 Years | 9 Months | 9 Months | ||||||||||||||||||||||||||||||||
| Booster+ |
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Fast Forward
Buy Niva Bupa Aspire Health Plan for a multiyear (2 and 3 years) and use the entire sum insured amount (Base and M-iracle) anytime during the policy tenure.
Borderless
Buy Niva Bupa Aspire plan and get medical treatment anywhere in the world with personalizaed co-payment options of 0/20/30/40/50 percent.
Safeguard+
Policyholders will get 3-fold benefits under this add-on:
- Coverage for non-payable items
- Carry forward your entire sum insured if the claim is less than INR 1 Lakh in a policy year
- Beat the effects of inflation by increasing the base sum assured every year in line with inflation
Personal Accident Cover
You can get coverage of 5 times the base sum insured, up to a maximum of 1 crore against the mishaps mentioned below, by adding this add-on cover:
- Accidental Death
- Permanent & Total Disability
- Permanent Partial Disability
- Temporary Total Disability.
Well Consult (OPD)
This add-on rider covers doctor consultations, pharmacy, diagnostics, diet and nutrition coaching, gym membership and a wide range of wellness benefits.
Cash Bag
You can grow your cash bag for every claim-free year. You can get 10% on your first renewal and 5% on subsequent renewals. You can accumulate and use this amount for OPD, Co-payment, premiums, and more.
Future Ready
This benefit allows you to add your future spouse to the plan. Also, the waiting period you serve will be passed on to your spouse in the future. For example, Ayush bought the Niva Bupa Aspire plan at 25. He added future-ready benefits to the policy. After their marriage at the age of 30, his wife became pregnant. Now, he can avail himself of cashless treatment without waiting as he has already completed his waiting period and can claim the treatment fee.
Annual Aggregate Deductible
This add-on provides various annual aggregate deductible options, ranging from INR 20K to 1 Lakh. Add a small deductible and enjoy a discount on your premiums.
Hospital Daily Cash
If your hospitalization exceeds 48 hours, you can get a daily allowance of up to 30 days with this add-on rider. You can get your Hospital Daily Cash as mentioned below:
- Up to INR 5 Lac SI: INR 1K/day
- 7.5 Lacs to 15 Lacs SI: INR 2K/day
- Above 15 Lacs SI: INR 4K/day
Disease Management
This benefit covers Hypertension and Diabetes from day 1. Based on the quarter health report scores, you can also get up to a 20% discount at the time of renewal.
Live Healthy Discount
Policyholders can earn a 30% discount at renewal by walking. Every 1000 steps give you one point, and you can earn a discount based on your points.
M-iracle Benefit
This plan will provide coverage for maternity, child adoption, IVF, and surrogacy. You will get the following benefits:
- Gynaecologist consultation
- Vaccination for the expecting mother
- Sonogram In vitro fertilization (IVF PROCEDURE)
- Delivery procedure (Normal or Caesarian section)
- Intracytoplasmic Sperm Injection (ICSI)
- Blood and other accompanying tests
- Treatment of infertility
- Zygote intrafallopian transfer(ZIFT)
- Charges for legally adopting a child
- Medical termination of pregnancy(MTP)
- Gamete intrafallopian transfer (GIFT)
E-consultation
You can take unlimited e-consultations within the Niva Bupa Health Insurance Network.
Room Type Modification
You can modify the room type at your convenience, but you must bear an additional co-payment if you choose a higher room category than the eligible one. The table below will show the room rent limit for the same
| Category Available in the Base Plan | Category Claimed for | Co-Payment Percentage |
|---|---|---|
| Shared Room | Standard Single Room | 10% |
| Shared Room | Deluxe/Suite Room | 25% |
| Standard Single Room | Deluxe/Suite Room | 15% |
Lock the Clock
This benefit will ensure that your premium will remain the same as your age when purchasing the policy until the claim is filed.
Lock the Clock+
This benefit ensures that your premium will remain the same as your age when you purchase the policy until the claim is filed. However, the M-iracle benefits will not impact the lock-the-clock+ benefit.
Modern Treatments
Below is the list of total modern treatments covered up to the total sum insured amount:
- Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
- Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
- ImmunotherapyMonoclonal Antibody to be given as an injection
- Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions
- Oral Chemotherapy
- Balloon Sinuplasty
- Stereotactic radio Surgeries
- Robotic surgeries
- IONM - (Intra Operative Neuro Monitoring)
- Bronchial Thermoplasty
- Deep Brain stimulation
- Intra vitreal injections
Annual Health Checkup
This benefit will allow policyholders to avail of annual health checkups once per policy year in Niva Bupa Health Insurance Network. Below are the health checkups that are covered under this benefit:
- Complete blood count (CBC)
- Complete Physical Examination by Physician Serum
- Electrolytes Urine Routine & Microscopic
- Postprandial/lunch blood sugar (PPBS / PLBS)
- HbA1C
- Erythrocyte Sedimentation Rate (ESR)
- Uric Acid
- Thyroid function test
- Fasting Blood sugar (FBS)
- Lipid Profile
- Liver Function Test (LFT)
- Electrocardiogram (ECG)
- Kidney function test
- Treadmill test (TMT) OR 2 D ECHO
- X-Ray chest
- Serum Vitamin D
- Ultrasound test (USG)
- Mammogram
- Colonoscopy (for >50 year olds)
- Serum calcium
- PAP smear
How Do You Log In to the Niva Bupa Health Insurance Portal?
Niva Bupa Health Insurance offers two ways to Log in to the Niva Bupa Health Insurance portal, i.e., through the website and Niva Bupa Health Insurance mobile app:
Through Website
This insurance policy does not cover any medical emergency caused due to war, terrorism, and nuclear activity.
Go to the footer section of the page and navigate yourself to the “Log In” section
Then, click on the desired Log In portal from Agent or Health Link Portal.
Enter your login credentials, such as your registered username and password.
Complete the security check or CAPTCHA if required.
Click on the “Login” button to access your policy dashboard.
Through Mobile App
You can download the Niva Bupa Health App from the Google Play Store (Android) or the Apple App Store (iOS).
Open the App on your mobile device.
Enter Login Details such as registered email/username and password.
Complete any required security verifications.
Tap on the “Login” button to access your account.
Niva Bupa Health Insurance Customer Portal Access
Niva Bupa Health Insurance has an online customer portal named “Insta Assist” that provides policyholders instant access to their coverage details, claim status, personal information, policy information and many more. This feature gives users control over their policy and enables efficient self-service at their fingertips. Policyholders can access this portal by following the below-mentioned steps:
- Visit the official website of “Niva Bupa Health Insurance”
- Click on “Customer Support” from the header menu
- Click on the “24*7 Support (InstaAssist)” section
- The next page will direct you to the “Insta Assist” page, where you can
- Search your queries by keywords or
- Choose the relevant service categories
- Then, depending on the type of query you choose
- The “Insta Assist” will redirect you to the relevant page
- A registered mobile number or an OTP will be required to authenticate your identity
- Once the verification is done, You can access your policy for which you have queries & process your request
Details You will Get Instantly Through Insta Assist
Below are the details you will get instantly through Insta Assist:
- Information such as claim status & claim details
- Policy documents, Tax receipts & renewal notices can be downloaded
- Policy details update and policy copy download
- For a few queries, a service request number will be generated. Insta Assist will also show the estimated time of the closure of the service request number.
- You can also track the service request status by visiting the “Track Service Request” option on Insta Assist.
Features and Benefits of the Niva Bupa Health Insurance Login Portal
Niva Bupa Health Insurance Login Portal is a comprehensive digital platform that empowers policyholders with various features and benefits. Customers can efficiently manage their Niva Bupa Health Plan and access various services by logging into this user-friendly portal. Let us learn about the key features and benefits of the Niva Bupa Login Portal:
Secure and Convenient Access
The Niva Bupa Health Insurance Login Portal provides customers with a secure and convenient way to access their policy information. With robust security measures like two-factor authentication and optional biometric login, policyholders can rest assured that their sensitive data is safe.
Policy Management
The Niva Bupa Health Insurance Login Portal allows policyholders to view and manage their policy details, including coverage information, premium payment, and policy renewal. Customers can also update their personal and contact information, ensuring their records are up to date.
Claim Submission and Tracking
One of the critical features of the Niva Bupa Health Insurance Login Portal is the quick and easy claim submission and tracking process. Customers can initiate new claims, upload required documents, and monitor the status of their claims in real-time.
Digital Document Upload
The Niva Bupa Health Insurance login portal allows policyholders to securely upload and submit digital copies of medical bills, reports, and other necessary documents. This eliminates the need for physical document submission, making the claims process more efficient and convenient.
Health Management Tools
The Niva Bupa login portal offers several health management tools, including a wellness tracker, doctor consultation features and an extensive health information library. These tools help policyholders to take a proactive approach to their well-being and make informed decisions about their health.
Premium Payment Management
Niva Bupa Health Insurance Login Portal provides a centralized platform for policyholders to manage premium payments. Customers can view their payment history, set up automatic payments and make lump sum payments, ensuring timely and hassle-free premium payments.
Self-Service Options
The Niva Bupa Health Insurance Login Portal is designed to offer a wide range of self-service features, such as policy renewal, address change, and view and update policy details. These features will help policyholders handle routine tasks independently, reducing the need for customer care.
Notification and Alert System
Customers can opt-in to receive notifications and alerts through the login portal. This informs them about important updates, such as policy expiration, claim approvals, and other relevant information, helping policyholders stay on top of their healthcare coverage.
Network Hospitals
Tips for Using the Niva Bupa Health Insurance Portal
The Niva Bupa Health Insurance portal offers a convenient and efficient way for policyholders to manage their health insurance policies. To maximize the benefits of this online platform, here are some essential tips:
- Use strong password
- Regular password update
- Update contact details
- Review personal details
- Renew your policy on time
- Submit claims online
- Track claim status
- Timely pay your premium online
- Download premium reciept
- Schedule your annual health check-up Health tips and resources
- Download policy documents
- Upload necessary documents
- Raise support request
- Live chat option
- Push notification
- Get promotional offers
Conclusion
Niva Bupa Health Insurance Login Portal is an essential tool for policyholders. It offers several features that simplify policy management and provide easy access to essential services. Registering and regularly using the portal allows you to manage your health insurance policy efficiently, stay updated on claims, and ensure timely premium payment. Embrace the convenience of digital management with the Niva Bupa Health Insurance Portal and secure your health and wellness quickly.
