Overview
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.
Experts Review
Written by Nikhil Nair
Senior Writer
The Niva Bupa Aspire Gold+ plan policy stands out with its innovative perks like maternity, adoption, and surrogacy cover, and "Booster+," which allows unused coverage to roll over up to 3 times. The global coverage under the "Borderless" add-on feature is a significant advantage for those requiring international medical treatment. Cashback add-on rewards through "Cash-Bag" further incentivize healthy living by allowing you to use accumulated benefits for premiums or outpatient expenses. The plan's flexibility across sum insured options and variants enhances its appeal.
However, potential drawbacks include waiting periods for pre-existing conditions (up to 3 years) and specific benefits like maternity (up to 4 years). While the ReAssure+ restoration benefit is promising, understanding its practical application during claims is essential.
Pros
Feature set is satisfactory.
Premiums are relatively well priced.
Insurer has a solid track record with great claim and service metrics.
Cons
Doctor consultations are not covered, which is a notable gap.
Niva Bupa (erstwhile Max Bupa)
Key Insights
Founded
2008
Niva Bupa (erstwhile Max Bupa) was established 17 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
91% claims settled in 30 Days
Niva Bupa (erstwhile Max Bupa) settles 91% of all claims it receives demonstrating strong credibility.
Network Hospitals
10,000+
Niva Bupa (erstwhile Max Bupa) maintains a moderate network of 10,000 hospitals, offering reasonable coverage across key locations.
Complaints
43 complaints per 10,000 claims registered
Niva Bupa (erstwhile Max Bupa) has a relatively high volume of complaints, which may point to ongoing issues in customer service or claim handling.
Features
All
Great
Good
Co-payment
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.
Customisable
Get 15% discount on premiums with 20% Co-payment for the insured members if treatment is taken in Non-Tiered Network Hospitals.
Room Rent
Shared room, single room, deluxe room or any room that’s available. The insurer won’t nitpick on your choice of room since the policy has no restrictions on room rent.
Disease sub-limit
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.
Pre existing diseases waiting
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.
Customisable
For Hypertension & Diabetes: Pre existing disease waiting period is reduced from 3 years to 0 days.
Pre/Post hospitalization
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.
Add-ons
Safeguard +
Recommended
Increase your cover in line with inflation every year, your bonus amount will not be affected if the claim is less than 1 Lakh in the entire year and you also get extended coverage for generally excluded items like syringes, gloves, PPE kits etc as per List I, II, III & IV.
Disease Management
Recommended
For Hypertension & Diabetes: Pre existing disease waiting period is reduced from 3 years to 0 days.
Well-Consult
Get coverage for outpatient and e-consultations i.e. doctor visits along with coverage for prescribed diagnostics and pharmacy along with other online benefits like gym membership, AI Fitness coaching, Diet & Nutrition & Emotional Wellness sessions upto defined limits.
Hospital Cash
Hospital cash benefit paid out if hospitalization is at least 1 day, with a maximum payout of ₹2000 for up to 30 days.
Personal Accident Cover
Paid out as a lump sum of 500% of sum insured for Accidental Death, Total Permanent Disability, Permanent Partial Disability up to a limit of ₹10000000.
Aggregate Deductible
Choose deductible between ₹20,000 and ₹1,00,000 and get a discount on premiums.
Borderless
Get international coverage up to 100% of the base sum insured for emergency and planned hospitalization. You get the option to choose 0%, 20%, 30%, 40% or 50% co-payment for international coverage.
Tiered Network
Get 15% discount on premiums with 20% Co-payment for the insured members if treatment is taken in Non-Tiered Network Hospitals.
Future Ready
Get guaranteed issuance & continuity on waiting periods served by you for your future spouse.
Cash-Bag
Accumulates cashback on every claim-free year which can be used to pay for Premiums, OPD, deductibles, and co-payments. Cashback is 10% of 1st renewal premium and 5% of every subsequent renewal premium.
Fast Forward
Combine the Multi-Tenure Sum Insured to be used anytime. Applicable for Base and M-iracle Sum Insured(maternity benefit)
Permanent Exclusions
Conditions or treatments that the policy clearly says it will not cover.
Expenses related to any admission primarily for diagnostics and evaluation purposes are excluded.
Diagnostic expenses not related or incidental to current diagnosis and treatment are excluded.
Expenses for admission primarily for bed rest and not for treatment are excluded.
Custodial care at home or in a facility for help with daily activities is excluded.
Services for terminally ill individuals addressing non-medical needs are excluded.
Disclaimer: For illustration purposes only - exact terms are in the policy wording.
Specific Illness
The following illnesses are not covered under the policy for 2 years.
Pancreatitis and stones in biliary and urinary system
Cataract, glaucoma and retinal detachment
Hyperplasia of prostate, hydrocele and spermatocele
Prolapse of uterus and cervix, endometriosis, fibroids, PCOD, hysterectomy (unless necessitated by malignancy)
Hemorrhoids, fissure or fistula or abscess of anal and rectal region
Waiting Period
30 days Initial waiting period
2 years Specific illness waiting period
3 years Pre-existing disease waiting periodCustomisable
Ditto's Take
◦ Excellent ◦
Waiting periods on this policy are excellent. This policy also further allows to reduce the PED waiting period to 0 days for certain diseases.
What's missing in the policy
Doctor consultations are not covered.
Customer Reviews
R
Rohit Sethi
The maternity, adoption, and surrogacy cover makes this plan very family-friendly.
P
Priya Desai
Booster+ is really useful, as rolling over unused coverage up to 3 times gives long-term value.
R
Rahul Nair
Waiting period for pre-existing conditions is long (3 years), which feels restrictive.
N
Neha Reddy
Cash-Bag is a nice perk; I could use benefits for OPD expenses.
S
Suresh Bansal
Premium feels reasonable for the benefits included.
A
Ajay Thakur
Missing doctor consultation coverage makes it less helpful for smaller, regular medical needs.
M
Manoj Iyer
Claim service has been smooth and transparent so far.
M
Meera Joshi
Maternity waiting period of 4 years is on the higher side compared to other variants.
K
Karan Malhotra
Very practical plan for families starting out, with maternity and adoption coverage built in.
S
Sneha Arora
Healthy living cashback option feels motivating.
Still confused?
Talk to our expert
advisor for
instant clarity
Frequently Asked Questions
Does Aspire Gold + have waiting periods?
- 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
- Specific Illness Waiting Period: There’s a 2-year waiting period for a list of diseases which is a mandate before you can start claiming.
- Pre-Existing Disease Waiting Period: There's a 3-year waiting period for any pre-existing disease you may have while buying the policy.
- Maternity and Newborn Waiting Period: There’s a 4-year waiting period before you can make claims related to pregnancy and childbirth.
Does Aspire Gold + have room rent restrictions?
Does Aspire Gold + offer a restoration benefit?
TALK TO OUR ADVISORS
Get real help from advisors who listen, guide and go the extra mile for you.