Niva Bupa Health Insurance Company Limited
Aspire
UIN NBHHLIP26049V022526We don't sell this — we'll still recommend if it fits
The dealbreaker fields
Max cover
₹1 cr
Claim settlement (CSR)
95.2%
PED waiting
36 months
Specific disease wait
24 months
Mandatory co-pay
0%
Room rent prop. ded.
No
Pre / post hosp.
60 / 180 days
Network hospitals
10,500+
Free look
30 days
What this plan does well
- M-iracle benefit — built-in maternity + IVF/GIFT/ZIFT/ICSI/surrogacy/adoption
- Newborn covered from Day 1 (Excl 4.2.3 waived)
- Booster+ — unutilized SI carries forward up to 10× Base SI
- ReAssure+ / ReAssureX — unlimited SI for life after first paid claim
- Lock the Clock — premium age locked at entry till first claim
- Lock the Clock+ — M-iracle claim does NOT break age-lock
- Future Ready — Future Spouse added with all waiting periods pre-served
- Borderless — worldwide treatment with co-pay options 0/20/30/40/50%
Is this the right plan for you?
Run the 30-second cover calculator. We'll tell you whether this plan, or a different one, is the better fit.
Find my right cover →We don't directly sell this plan today. If our verdict says this is your best fit, we'll point you to a broker who does — and tell you our paired listed alternative so you can decide.