Max Bupa

Aspire Platinum+: This variant has features similar to Diamond+ but with a shorter 9-month waiting period for maternity benefits. Affordable pricing raises questions about Niva Bupa's ability to manage large claims while keeping costs low.

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whatWeLike What We Like

This section highlights the strengths and benefits of Aspire Platinum + policy by Max Bupa. It covers what the policy does exceptionally well, including aspects that provide significant value and peace of mind to the policyholder. Here, you will find the major advantages and positive features that make this policy stand out.

Age Lock Benefit

Stable Premiums Until Claim: Your premiums will not increase until you make a claim. However, once a claim is made, premiums will increase based on ag...

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You’ll never have to split the bill

Full Coverage (No 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, meani...

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You always have full cover irrespective of the disease

No Disease-Wise Sub-Limits: If your insurer hasn't explicitly excluded an illness, you can claim the full sum insured for any disease, as this policy ...

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Unlimited Restoration Benefit

Future Hospitalizations: If you need hospitalization again in the same year, you can still claim the full cover.

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Carry forward your unutilized cover

Unused Cover Transfer (4x-11x Limit): Any unused base cover is transferred to the next year annually. Starting with ?10 lakhs and claiming ?2 lakhs le...

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Full coverage even if you are forced to hospitalize at home

Domiciliary Cover: The insurer will bear the costs even if you are hospitalized at home due to a condition or the hospital running out of beds. This i...

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You can pick any room you like

Room Rent Flexibility: You can choose any room, whether it's a shared room, single room, or deluxe room, as there are no restrictions on room rent wit...

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Pre & Post hospitalization expenses covered

Diagnostic Tests Coverage (60 days/180 days): No worries if the doctor has to run a host of diagnostic tests before or after hospitalizing you. The in...

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Day Care treatments covered

Minor Procedure Full Coverage: If you're hospitalized for less than 24 hours for a minor procedure, the insurer will cover the costs. This includes tr...

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Free Health Checkups

Tests from Network Facilities: Available from day one for a defined list of tests at network facilities only.

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Covers Alternative Medicine

Full Coverage for Alternative Treatments: Thinking of getting Ayurvedic, Homeopathic, or other alternative treatments to cure an illness? Your insure...

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whatIsOk What Is Okay

This section outlines the satisfactory but not exceptional aspects of Aspire Platinum + policy by Max Bupa. It includes features and benefits that are adequate and meet standard expectations. While these elements may not be extraordinary, they still contribute to the overall usefulness and reliability of the policy.

Reasonable waiting period for pre-existing diseases

Coverage After 3 Years: If you have diabetes, cardiovascular problems, or similar illnesses, the insurer covers all related costs after a 3-year waiti...

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Maternity benefits offered

Maternity Coverage (?5,000, 9-Month Wait): The insurer covers maternity expenses up to ?5,000, with a 9-month waiting period.

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Frequently Asked Questions

Medfin offers the latest surgical procedures to ensure that you
recover as fast as possible in the least painful way possible.

The claim settlement ratio for Niva Bupa Aspire Platinum in 2024 is 99.41%. This high ratio demonstrates the insurer's commitment to efficiently processing claims, offering peace of mind to policyholders.

The Niva Bupa Aspire Platinum Plan offers a higher sum insured along with additional benefits such as global coverage for emergency hospitalization and comprehensive wellness programs.

Yes, pre-existing conditions are covered after a waiting period of 36 months.

Yes, the plan includes coverage for alternative treatments like Ayurveda, Homeopathy, and Unani, up to a specified limit.

Yes, the plan provides coverage for maternity expenses after a waiting period of 3 years.

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