"Introducing a health insurance that rewards you for starting young."
A plan that allows you to go for overseas treatment.
Several health insurance plans are on the market, but have you ever heard about the plan that gives complete maternity benefits? Yes, now we have a plan that covers, complete maternity benefits under M-iracle benefits. Niva Bupa's Aspire Start Young plan is something you look forward to in health insurance. Niva Bupa offers not just great maternity benefits but gives credit if you stay healthy. It also gives borderless benefits - another unique feature. The plan comes in 4 types of variants:
- Gold+
- Diamond+
- Platinum+
- Titanium+
So, if you are someone who is young and just started working, this plan is for you. The plan is reasonable as it gives comprehensive coverage up to 1 Crore. This plan is very different from other plans in the market and gives additional benefits as well. Have a look below to get an idea of how Niva Bupa Aspire's plan is different.
What Makes Niva Bupa Aspire Plan Stand Out?
M-iracle
The name of this feature might be confusing, but this specifically means to celebrate parenthood. We all know that babies are indeed miracles and bring new meaning to lives. You will be covered if you plan to adopt a child, a one-of-a-kind offering in today's insurance market. If you choose this plan, you will get the following benefits:
- Vaccination for the expecting mother
- Gynaecologist consultation
- Sonogram
- Blood and other accompanying tests
- Delivery procedure (Normal or Caesarian section)
- In vitro fertilization (IVF PROCEDURE)
- Gamete intrafallopian transfer (GIFT)
- Zygote intrafallopian transfer(ZIFT)
- Intracytoplasmic Sperm Injection (ICSI)
- Medical termination of pregnancy(MTP)
- Treatment of infertility
- Charges for legally adopting a child
Booster+
Under the Booster+ benefit, you can carry forward the unutilized base sum insured. Also, the base sum insured will be accumulated up to 10 times as per the variant you choose.
Let us understand this with a simple example:
Rahul is a 25-year-old young guy who opted for the policy with an INR 10 Lakh base sum insured in 2023. For the next 10 years, he does not apply for the claim. So by 2033, that 10 Lakh SI will have a value of INR 1.10 Crore of SI, which is INR 10 Lakh + INR 1 Crore Booster+.
This way, by the age of 35 he will be completely secured for any kind of medical emergency.
Lock the Clock & Lock the Clock+
This feature ensures that the age of the policyholder will be locked at the entry when you buy the policy, till the claim is paid.
Additionally, Lock the Clock+ is an extended version of this feature, which states that if you claim M-iracle, then there will be no changes in the premiums, but any other type of claim will affect the premiums accordingly.
Live Healthy Benefits
Under this benefit, you just need to walk and get a discount on the next renewal. For this, you need to download the Niva Bupa App and collect the health points by walking. According to the plan, 1000 steps will be equal to 1 point.
Future Ready Benefits
The Future Ready benefit allows you to add your future spouse to the plan. And the amazing part is, all the waiting periods will be waived off as per your policy timing. Let me explain this with an example:
Let's say Ramesh purchased the Niva Bupa Aspire plan at the age of 25. He added the Future Ready benefit to the policy. After he got married at the age of 30, his wife unfortunately was diagnosed with a critical illness. But there's always a silver lining! Now he can avail of the cashless treatment benefit without waiting because he has served his waiting period earlier and now can claim the treatment charges.
Also, this plan waives off the maternity benefit waiting period and covers all the benefits for your spouse that you already have.
Borderless Benefits
With this benefit, you can get a planned or emergency treatment at any hospital in the world. This means that even if you are diagnosed with a disease in India but want to get treated at one of the top hospitals in the world, it is possible. Whether it is in London, France, Germany or anywhere in the world, you can avail of the treatment and claim for the reimbursement. In this case, you can also choose co-payment options.
WellConsult (OPD)
With the WellConsult benefit, you can get complete wellness and OPD benefits. Here is the list of all the exclusive benefits for you:
- Telephone consultation or video consultation on the network
- Physical consultation with specialists
- Prescribed diagnosis
- Prescribed medicine or pharmacy cost
- Mental care coverage
- Diet and nutrition coaching
- Smart fitness coaching
- Online reading, listening and watching material for wellbeing from the top wellness experts in the market.
- Gym membership
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