Overview
Niva Bupa’s Aspire Platinum+ plan offers enhanced benefits compared to the Gold+ and Diamond+ variants, making it a premium yet affordable option. While retaining features like "Lock the Clock," "Booster+," and "M-iracle," Platinum+ significantly reduces the maternity waiting period to just 9 months (compared to 4 years in Gold+ and 2 years in Diamond+). It also includes global healthcare access via "Borderless" and rewards for claim-free years through "Cash-Bag." Coverage options extend up to ₹1 crore, ensuring robust financial protection.
Experts Review
Written by Nikhil Nair
Senior Writer
The Aspire Platinum+ plan builds on the strengths of the Gold+ and Diamond+ variants, offering superior benefits tailored for families and individuals seeking advanced healthcare solutions. The most notable upgrade is the reduced maternity waiting period of 9 months under "M-iracle," which is a significant improvement over the 4-year waiting period in Gold+ and 2 years in Diamond+. This makes Platinum+ particularly appealing for families planning parenthood in the near term.
The plan retains key features like "Lock the Clock," which freezes premiums at entry age until a claim is made, ensuring affordability over time. The "Booster+" feature allows unused coverage to roll forward multiple times, enhancing preparedness for future medical expenses. There is also no room rent limit, the maternity waiting period is reduced to just 9 months, and you can carry forward up to 10x the base cover amount using the Booster+ benefit. Additionally, the "Borderless" feature provides seamless access to international healthcare services, a major plus for frequent travelers.
Compared to Gold+, Aspire Platinum+ eliminates room rent restrictions and offers more flexibility with its comprehensive coverage. While it shares many features with Diamond+, its shorter maternity waiting period and slightly better pricing make it a more attractive option. However, pre-existing disease waiting periods remain at 3 years across all variants, which may require careful consideration.
Pros
Offers a wide range of features.
Premiums are relatively well priced.
Insurer has a solid track record with great claim and service metrics.
Offers Lock the Clock, which makes this policy stand out.
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
Lock the Clock
STANDOUT
Your premiums will not increase until you make a claim. However, once the claim is made, the premiums will increase based on age, inflation etc.
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.
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 or cervix, endometriosis, fibroids, PCOD, hysterectomy (unless necessitated by malignancy)
Hemorrhoids, fissure, 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
A
Anjali Jha
The 9-month maternity waiting period is a big relief compared to other plans. Perfect for young families.
R
Rajesh Kumar
Loved the “Lock the Clock” feature. Knowing my premium won’t keep increasing unnecessarily gives peace of mind.
S
Suresh Nair
Booster+ is a great addition. Being able to carry forward unused cover really makes the plan worth it.
K
Kavita Deshmukh
The plan is great, but the premium is slightly higher than I expected for family coverage.
A
Aravind Gupta
The plan is comprehensive but I wish doctor consultations were included too. Still, coverage is solid.
D
Deepak Bansal
Premiums are reasonable for the benefits. The no room rent limit is a big plus.
V
Vikarm Joshi
The plan is comprehensive but I wish doctor consultations were included too. Still, coverage is solid.
S
Shalini Iyer
The shorter maternity waiting period compared to Gold+ and Diamond+ is why I picked this plan. Very helpful.
R
Rohit Verma
The 3-year waiting period for pre-existing conditions feels a bit long. Would have been better if shorter.
P
Priya Sharma
Borderless feature is useful since I travel often. Happy to know I’m covered even outside India.
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Frequently Asked Questions
Does Aspire Platinum + 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 9-month waiting period before you can make claims related to pregnancy and childbirth.
Does Aspire Platinum + have room rent restrictions?
Does Aspire Platinum + offer a restoration benefit?
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