Niva Bupa ASPIRE 2024: Most Asked Questions Answered

Niva Bupa ASPIRE : Are you looking for a health insurance plan that meets your unique needs and lifestyle? Do you want to enjoy comprehensive coverage, flexible options, and exclusive benefits? If yes, then you might want to consider Niva Bupa’s ASPIRE health insurance plan.

Niva Bupa is one of the leading health insurance providers in India, offering a range of plans for individuals, families, and groups. ASPIRE is their latest product, launched in 2023, targeting Gen Z and millennials. It is designed to cater to the distinctive needs of this demographic, such as maternity, infertility, surrogacy, wellness, and more.

In this blog post, we will answer some of the most asked questions about Niva Bupa’s ASPIRE health insurance plan, such as:

– What are the benefits and features of ASPIRE?

– Who is eligible for ASPIRE?

– How much does ASPIRE cost?

– How to buy ASPIRE?

– How to claim ASPIRE?

By the end of this post, you will have a clear idea of what ASPIRE can offer you and how to get started with it. Let’s dive in!

Niva Bupa ASPIRE 2024: Most Asked Questions Answered

What are the benefits and features of ASPIRE?

ASPIRE is a health insurance plan that offers a host of benefits and features, such as:

M-iracle: This is a unique benefit that covers expenses related to maternity, IVF, adoption, surrogacy, and more. You can avail this benefit after a waiting period of 24 months, and it also covers the newborn baby for the first 90 days.

Booster+: This is a feature that allows you to carry forward the balance sum insured up to 10 times, in case you don’t make any claim in a policy year. This means you can increase your coverage without paying extra premium.

Fast Forward: This is a feature that lets you pay the premium as per your entry age, until you make a claim. This means you can save on premium as you age, as long as you stay healthy and claim-free.

Borderless: This is a benefit that covers you for treatment outside India, both for emergencies and planned inpatient treatments. You can choose the co-payment limit and get access to quality healthcare across the world.

Cash-Bag: This is a benefit that gives you a daily cash allowance for each day of hospitalization, up to a maximum of 30 days. You can use this cash for any expenses that are not covered by the policy, such as travel, food, etc.

WellConsult: This is a benefit that gives you access to OPD consultations, diagnostics, pharmacy, and wellness services at discounted rates. You can also avail online consultations and telemedicine services from Niva Bupa’s network of doctors and specialists.

Safeguard: This is a benefit that covers you for accidental death, permanent total disability, and permanent partial disability. You can choose the sum insured and get a lump sum payout in case of any unfortunate event.

Future Ready: This is a feature that allows you to upgrade your plan to a higher category at the time of renewal, without any medical check-up or waiting period. You can also add or remove any additional benefit as per your changing needs.

Personal Accident Cover: This is an optional benefit that covers you for accidental death, permanent total disability, and permanent partial disability. You can choose the sum insured and get a lump sum payout in case of any unfortunate event.

Disease Management: This is an optional benefit that covers you for chronic diseases such as diabetes, hypertension, asthma, etc. You can get access to personalized care plans, health coaching, and monitoring devices to manage your condition better.

These are some of the main benefits and features of ASPIRE. You can also enjoy other benefits such as:

• Coverage for pre and post hospitalization expenses, day care treatments, organ donor expenses, domiciliary hospitalization, etc.
• Coverage for alternative treatments such as Ayurveda, Homeopathy, Unani, etc.
• No sub-limits on room rent, ICU charges, doctor fees, etc.
• No co-payment for any claim, except for Borderless benefit
• Cashless facility at over 10,000 network hospitals across India
• 24×7 dedicated relationship manager for personalized assistance and support
• 30 minutes claim processing and hassle-free claim settlement
• 93% renewal rate and 5% exclusive online discount
• Tax benefits under Section 80D of the Income Tax Act

As you can see, ASPIRE is a comprehensive and flexible health insurance plan that can suit your needs and budget. It is also backed by Niva Bupa’s expertise, trust, and customer satisfaction.

Who is eligible for ASPIRE?

ASPIRE is a health insurance plan that is open to anyone who is looking for a customized and future-ready health cover. However, it is specially designed for Gen Z and millennials, who have different needs and preferences than the older generations.

The eligibility criteria for ASPIRE are as follows:

• The minimum entry age is 18 years and the maximum entry age is 65 years for adults
• The minimum entry age is 91 days and the maximum entry age is 25 years for children
• The policy can be taken for self, spouse, children, parents, parents-in-law, siblings, and grandparents
• The policy can be taken for up to 6 members in a family floater plan
• The policy term can be 1 year, 2 years, or 3 years
• The sum insured can range from 5 lakhs to 1 crore
• The plan category can be Gold+, Diamond+, Platinum+, or Titanium+
• The additional benefits can be Hospital Cash, Borderless, Cash-Bag, WellConsult, Safeguard+, Fast Forward, Future Ready, Personal Accident Cover, or Disease Management

You can choose the plan category, sum insured, and additional benefits as per your needs and affordability. You can also modify your plan at the time of renewal, as per your changing needs.

How much does ASPIRE cost?

The premium for ASPIRE depends on various factors, such as:

• The plan category, sum insured, and additional benefits you choose
• The number and age of the members covered under the policy
• The policy term and mode of payment you opt for
• The health status and medical history of the members covered under the policy
• The discounts and offers applicable at the time of purchase or renewal

To get an estimate of the premium for ASPIRE, you can use the online premium calculator on Niva Bupa’s website. You just need to enter some basic details, such as:

• The plan category you want to buy
• The number of adults and children you want to cover
• The date of birth and gender of the eldest insured member
• The city where you live
• Your email address and mobile number

You will then get a quote for the premium, along with the benefits and features of the plan. You can also compare different plan categories and additional benefits, and see how they affect the premium.

You can also contact Niva Bupa’s customer care or visit their nearest branch for more details on the premium and payment options.

How to buy ASPIRE?

Buying ASPIRE is very easy and convenient. You can buy it online from Niva Bupa’s website, or offline from their branch or agent. Here are the steps to buy ASPIRE online:

• Visit Niva Bupa’s website and click on the ASPIRE health insurance plan
• Use the premium calculator to get a quote for the plan category, sum insured, and additional benefits you want
• Fill in your personal and contact details, and proceed to the payment page
• Pay the premium using your preferred mode of payment, such as credit card, debit card, net banking, UPI, etc.
• Receive the policy document and receipt on your email address

You can also buy ASPIRE offline by visiting Niva Bupa’s branch or contacting their agent. You will need to fill in a proposal form, submit some documents, and pay the premium by cash, cheque, or demand draft. You will then receive the policy document and receipt by post or courier.

How to claim ASPIRE?

Claiming ASPIRE is also very easy and hassle-free. You can claim ASPIRE in two ways: cashless or reimbursement. Here are the steps to claim ASPIRE in both ways:

Cashless Claim

• Inform Niva Bupa about your hospitalization at least 48 hours before in case of planned treatment, or within 24 hours in case of emergency
• Show your health card or policy number at the network hospital and get the pre-authorization form
• Fill in the form and submit it to the hospital along with the required documents, such as ID proof, medical reports, etc.
• The hospital will send the form and documents to Niva Bupa for verification and approval
• Once approved, Niva Bupa will directly settle the bill with the hospital, subject to the policy terms and conditions
• You will only need to pay for the non-covered expenses, if any

Reimbursement Claim

• Inform Niva Bupa about your hospitalization at least 48 hours before in case of planned treatment, or within 24 hours in case of emergency
• Pay the hospital bill and collect the original invoices, receipts, and discharge summary
• Download the claim form from Niva Bupa’s website or get it from their branch or agent
• Fill in the form and attach the required documents, such as ID proof, medical reports, cancelled cheque, etc.
• Send the form and documents to Niva Bupa’s claim office by post or courier within 15 days of discharge
• Niva Bupa will verify and process your claim within 30 days of receiving the documents, subject to the policy terms and conditions
• You will receive the reimbursement amount in your bank account

These are the steps to claim ASPIRE in both ways. You can also track the status of your claim online or through Niva Bupa’s mobile app. If you have any queries or issues regarding your claim, you can contact Niva Bupa’s customer care or your dedicated relationship manager.