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Niva Bupa Aspire
Start Young, Stay Insured — The Generation-Next Health Cover with M-iracle & Lock the Clock+
A revolutionary health insurance crafted for young adults, couples, and young parents. Enjoy entry-age premium lock until claim, comprehensive maternity and IVF (M-iracle), cashless day-1 health check-ups, and up to 10X Sum Insured carry forward with Boos
Plan Details & Concept
Niva Bupa Aspire is India's first health insurance product engineered specifically for young achievers, newly married couples, and growing young families. Built around the core philosophy that starting early should bring lifelong financial rewards, Aspire introduces 'Lock the Clock+', guaranteeing that your entry-age premium rate remains locked until you make your first claim.
Aspire also features 'M-iracle', an all-encompassing maternity and family-planning protection package that covers maternity hospitalization, newborn baby expenses, adoption legal and medical costs, and fertility/IVF treatments. With unutilized sum insured carry-forward up to 10X through Booster+ and zero sub-limits on modern treatments, Aspire sets a new benchmark in personal and family healthcare security.
Core Benefits & Highlights
Lock the Clock+
Pay premium as per entry age until a claim is paid; M-iracle claim does not impact Age Lock
M-iracle
Covers maternity, IVF, adoption & surrogacy with balance sum insured carry forward up to 10X
Booster+
Carry forward unutilised base sum insured up to 10X (up to ₹10 Crore maximum coverage)
Cash Bag
Accumulate cashback up to 10% on renewals based on active step count and fitness tracking
Day 1 Health Check-Up
Cashless comprehensive annual check-up for all adult members from day 1
Zero Room Rent Capping
Enjoy treatment in a Single Private Room with no hidden proportionate deductions
Modern & Robotic Treatments
Covered up to full Sum Insured with no specialized procedure sub-limits
AYUSH Inpatient Care
Full coverage for Ayurvedic, Yoga, Unani, Siddha and Homeopathy treatments
Pre & Post Hospitalization
60 days pre-hospitalization and 180 days post-hospitalization medical expenses covered
Newborn Cover from Day 1
Full medical coverage for newborns including first-year routine vaccinations
Inpatient & Hospitalization Scope
| Coverage Benefit | Coverage Limit / Terms |
|---|---|
| Base Sum Insured Options | ₹3 Lakh / ₹5 Lakh / ₹7.5 Lakh / ₹10 Lakh / ₹15 Lakh / ₹20 Lakh / ₹25 Lakh / ₹50 Lakh / ₹1 Crore |
| In-Patient Hospitalization | Covered up to Sum Insured for 2+ hours hospitalization (all day-care treatments included) |
| Room Rent & ICU Coverage | No room rent capping for eligible categories (Single Private Room or higher) |
| Pre & Post Hospitalization | Pre-hospitalization up to 60 days, Post-hospitalization up to 180 days covered up to Sum Insured |
| M-iracle Maternity & Fertility Cover | Covers normal delivery, C-section, pre/post-natal care, IVF treatments, and legal adoption allowance |
| Newborn Baby Protection | Newborn covered from Day 1 up to Sum Insured, including first-year routine vaccinations |
| Booster+ Carry Forward | Unutilized base Sum Insured carries forward every year up to a massive 10X (up to ₹10 Crore) |
| Lock the Clock+ Age Lock | Pay premium according to your entry age until your first claim is paid |
| Day Care Procedures | All recognized day care treatments covered with zero sub-limits |
| Modern Treatments & Robotics | Robotic surgery, stem cell therapy, oral chemotherapy covered up to Sum Insured |
| AYUSH Alternative Medicine | Inpatient treatment under Ayurveda, Yoga, Unani, Siddha, and Homeopathy covered up to SI |
| Emergency Road Ambulance | Covered up to ₹2,000 to ₹5,000 per hospitalization or actuals within network |
| Annual Health Check-Up | Cashless comprehensive health check-up from Day 1 for all adult insured members |
Advanced Policy Innovations
- Lock the Clock+: Your entry age premium rate is locked until your very first paid claim, saving thousands annually for early starters
- M-iracle Package: Comprehensive coverage for maternity, IVF, adoption support, surrogacy, and newborn vaccinations
- Booster+ up to 10X: Every claim-free year carries forward 100% of your unutilized Sum Insured up to 10 times base cover
- Cash Bag Rewards: Earn up to 10% cashback on your premium through active step counts and fitness logging on Niva Bupa Health App
- Zero Disease Sub-Limits: No hidden capping on heart procedures, cancer care, kidney dialysis, or cataract treatments
- ReAssure Forever: Reinstatement of Sum Insured triggers upon claim payment so your cover never runs dry
Customize With Optional Riders
Safeguard+ (Non-Payable Items)
Covers all 68 non-payable medical consumables (gloves, PPE, masks, syringes) and protects Booster+ on small claims
Personal Accident Cover
Accidental death and permanent total disability cover up to 5X Base Sum Insured (max ₹1 Crore)
Hospital Daily Cash Allowance
Daily cash benefit of ₹1,000 to ₹4,000 per day for up to 30 days per policy year
Future Ready Modification
Option to reduce waiting period for pre-existing diseases from 36 months to 12 or 24 months
Annual Health Check-Up Upgrade
Expanded diagnostic panel covering cardiac markers, vitamin profiles, and thyroid panels
Entry Guidelines & Waiting Periods
Minimum Entry Age: 18 years for adults, 91 days for dependent children.
Maximum Entry Age: 65 years.
Cover Type: Individual (Self) or Family Floater (2 Adults + up to 4 Children).
Policy Tenure: 1, 2, or 3 years (multi-year discounts apply).
Waiting Periods: 30 days initial waiting period (waived for accidental injury), 24 months for specified ailments, 36 months for pre-existing diseases (reducible with add-ons).
Our Healthcare Commitments
30 Mins
Cashless Claim Processing
10,000+
Network Hospitals
24x7
Customer Service Support
10 Lakh+
Claims Successfully Processed
Regulatory Disclaimer
Niva Bupa Health Insurance Company Limited. Registered Office: C-98, Lajpat Nagar 1, New Delhi-110024. Corporate Office: Logix Cyber Park, Tower B, Sector 62, Noida, UP-201301. IRDAI Registration No. 145. Product Name: Niva Bupa Aspire. UIN: NBHHLIP24129V012324. CIN: U66000DL2008PLC182918. Insurance is a subject matter of solicitation.
Official Policy Brochure
Download the complete product brochure for Niva Bupa Aspire with all terms, waiting periods, and schedules.
Download Plan Brochure