Overview
Niva Bupa’s Aspire Titanium+ plan is the most premium offering in the Aspire portfolio, delivering advanced features that distinguish it from Gold+, Diamond+, and Platinum+ variants. It includes "Lock the Clock+" for age-locked premiums unaffected by regular as well as maternity claims, and "Fast Forward" for multi-year coverage within a single year. The plan also offers enhanced cashback rewards via "Cash-Bag" and comprehensive global healthcare access through "Borderless." With coverage up to ₹1 crore, Titanium+ is tailored for individuals seeking top-tier benefits.
Experts Review
Written by Nikhil Nair
Senior Writer
The Aspire Titanium+ plan stands out as the pinnacle of Niva Bupa’s Aspire series, offering features that surpass those of the Gold+, Diamond+, and Platinum+ variants. A key upgrade is "Lock the Clock+," which locks premiums at entry age without being affected by regular as well as maternity claims—a refinement over the standard "Lock the Clock" feature in Diamond+ and Platinum+. Additionally, the "Fast Forward" benefit allows policyholders to utilize their entire sum insured across multi-year tenures, including for maternity, providing unmatched flexibility.
Another significant enhancement is the "Future Ready" add-on, where your future spouse does not have to serve waiting periods for pre-existing diseases. Cashback rewards via "Cash-Bag" are more comprehensive, accumulating higher percentages for claim-free years compared to other Aspire plans.
While Titanium+ offers unparalleled benefits, its aggressive pricing may deter cost-sensitive buyers. Additionally, pre-existing disease waiting periods remain at 3 years, consistent across all Aspire variants.
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 (Maternity related claim will not affect this benefit). 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.
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
V
Vivek Malhotra
The highest level of coverage gives ultimate protection. Feel very safe with this plan.
G
Geetanjali Sharma
International treatment cover is a game changer, especially for critical illnesses.
A
Arun Patel
The unlimited restoration and high sum insured make it truly comprehensive. Best in class.
R
Rajesh Kumar
The co-payment for senior citizens is still applicable, wish it was waived off.
A
Aarti Sharma
This plan is very expensive, not affordable for everyone.
M
Meenakshi Sundaram
The network of hospitals is vast, covers all major cities and hospitals.
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Frequently Asked Questions
Does Aspire Titanium+ 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 Titanium+ have room rent restrictions?
Does Aspire Titanium+ offer a restoration benefit?
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