Overview
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Features of Aspire Diamond+
Key features to look for while selecting your health insurance plan
Sum Assured:
50.0%
Renewal Bonus
Renewal bonus is bonus money added in the sum insured for every claim free year.
0%
Copay
Copay is the percentage of the claim amount that is borne by an insured person.
No limit on room rent
Room Rent
Room rent limit is the maximum amount of per day room charges that you can
claim in case you get admitted to a hospital.
3 years
PED Waiting period
The amount of time you need to wait for, from the start of your policy,
to be able to use the benefits in case of a particular disease
Available
Health checkup
This plan offers a free health checkup (specific test package), every year.
50.0%
Renewal Bonus
Renewal bonus is bonus money added in the sum insured for every claim free year.
0%
Copay
Copay is the percentage of the claim amount that is borne by an insured person.
No limit on room rent
Room Rent
Room rent limit is the maximum amount of per day room charges that you can
claim in case you get admitted to a hospital.
3 years
PED Waiting period
The amount of time you need to wait for, from the start of your policy,
to be able to use the benefits in case of a particular disease
Available
Health checkup
This plan offers a free health checkup (specific test package), every year.
What is covered?
Sum Assured:
Renewal Bonus
What is Renewal Bonus
Renewal bonus is added in the sum insured for every claim free year. This plan offers No Claim Bonus of up to maximum of 100% of Sum Insured.
Pre hospitalization
What is Pre hospitalization
Medical expenses up to 60 days before admission will be
covered.
Post Hospitalization
What is Post Hospitalization
Medical expenses up to 180 days after discharge will be covered.
Health checkup
What is Health checkup
This plan offers a free health checkup (specific test package), every year.
Hospital Daily Cash
What is Hospital Daily Cash
Hospital cash of Rs 800 is available in network hospitals only
Restore benefits
What is Restore benefits
This plan reinstates your basic cover, in case you exhaust your cover in a policy year.
Restoration works only for unrelated claims.
Ambulance charges
What is Ambulance charges
You can claim Rs. 2,000 per hospitalization up to a maximum of Rs. 2,000 for ambulance charges.
AYUSH Cover
What is AYUSH Cover
Sidha, Ayurvedic, Homeopathic, Unani are covered up to a sum of Rs 3,00,000
Home hospitalization
What is Home hospitalization
Treatment taken at home for any medical reason, if hospitalization is not possible. This is a rare
scenario and is termed as 'Domiciliary Hospitalization'. In such a scenario, expenses of up to Rs 3,00,000 are covered in this plan.
Organ Donor
What is Organ Donor
In case of an organ transplant and there is a need of an organ donor,
hospitalisation charges for the organ donor and surgical expenses for harvesting
the organ are covered in this plan. However, the cost of finding a donor is not covered.
Day Care
What is Day Care
Health insurance covers medical expenses only for hospitalizations exceeding 24 hours.
Day care procedures refers to medical treatment undertaken in a hospital requiring
less than 24 hours due to technological advancement.
This plan covers listed day care procedures as mentioned in the policy wordings.
Renewal Bonus
What is Renewal Bonus
Renewal bonus is added in the sum insured for every claim free year. This plan offers No Claim Bonus of up to maximum of 100% of Sum Insured.
Pre hospitalization
What is Pre hospitalization
Medical expenses up to 60 days before admission will be
covered.
Post Hospitalization
What is Post Hospitalization
Medical expenses up to 180 days after discharge will be covered.
Health checkup
What is Health checkup
This plan offers a free health checkup (specific test package), every year.
Hospital Daily Cash
What is Hospital Daily Cash
Hospital cash of Rs 1,000 is available in network hospitals only
Restore benefits
What is Restore benefits
This plan reinstates your basic cover, in case you exhaust your cover in a policy year.
Restoration works only for unrelated claims.
Ambulance charges
What is Ambulance charges
You can claim Rs. 2,000 per hospitalization up to a maximum of Rs. 2,000 for ambulance charges.
AYUSH Cover
What is AYUSH Cover
Sidha, Ayurvedic, Homeopathic, Unani are covered up to a sum of Rs 20,00,000
Home hospitalization
What is Home hospitalization
Treatment taken at home for any medical reason, if hospitalization is not possible. This is a rare
scenario and is termed as 'Domiciliary Hospitalization'. In such a scenario, expenses of up to Rs 20,00,000 are covered in this plan.
Organ Donor
What is Organ Donor
In case of an organ transplant and there is a need of an organ donor,
hospitalisation charges for the organ donor and surgical expenses for harvesting
the organ are covered in this plan. However, the cost of finding a donor is not covered.
Day Care
What is Day Care
Health insurance covers medical expenses only for hospitalizations exceeding 24 hours.
Day care procedures refers to medical treatment undertaken in a hospital requiring
less than 24 hours due to technological advancement.
This plan covers listed day care procedures as mentioned in the policy wordings.
What’s not covered
Maternity
OPD
War related Injuries
Cosmetic Surgery
Lasik eye treatment
Damage while driving under the influence of liquor or
drugs
Cashless network hospitals
You don’t have to pay a penny to get your treatment done in the
network hospitals of Niva Bupa Health Insurance.
Search for number of nearby cashless network hospitals in your area.
Search for number of nearby cashless network hospitals in your area.
8190
Network Hospitals in India
Search cashless hospitals in your area
5
Eligibility criteria
AGE ELIGIBILITY
|
3 months
Adult
|
65 years
Max age bar
|
POLICY PERIODS
|
1
year(s)
|
2
year(s)
|
3
year(s)
|
AGE ELIGIBILITY
|
3 months
|
65 years
Max age bar
|
No. of Members Covered
|
6
Members
|
Upto 2
Adults
|
Upto 4
Children
|
Policy Periods
| 1 year(s) | 2 year(s) | 3 year(s) |
Waiting period
After
3 years
You can claim for any pre-existing conditions after 3 years of the policy start date.
After
30 days
A 30 days cooling period for all claims except any arising out of accidental injuries
Riders
Below mentioned are riders available for better coverage
Hospital Cash
The add-on pays hospital cash for up to 30 days of hospitalisation if hospitalised for more than 48 hours
Safeguard Benefit
Get access to additional benefits like- annual increase in coverage based on inflation rate, coverage for non-payable items and no impact on booster benefit.
About Niva Bupa Health Insurance
(Max Bupa) Max Bupa Health Insurance Company Ltd. is a joint venture between True North, which is one of the leading private equity firms in India & Bupa which is a UK based healthcare services expert. Bupa has an experience of 60 years in healthcare industry & a customer-base of 2.9 CR in over 190 countries across the world. Together, Max Bupa provides affordable Health Insurance Plans for you and your family. Less
(Max Bupa) Max Bupa Health Insurance Company Ltd. is a joint venture between True North, which is one of the leading private equity firms in India & Bupa which is a UK based healthcare services expert. Bupa has an experience of 60 years in healthcare industry & a customer-base of 2.9 CR in over 190 countries across the world. Together, Max Bupa provides affordable Health Insurance Plans for you and … More
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