{"uin":"NBHHLIP26049V022526","name":"Aspire","url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526","insurer":{"slug":"niva-bupa-health-insurance","name":"Niva Bupa Health Insurance Co Ltd.","url":"https://indiainsurances.com/insurer/niva-bupa-health-insurance"},"line":"health","category":"health-indemnity","category_name":"Health insurance (hospitalisation)","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Aspire is a Niva Bupa individual or family floater health indemnity policy with sum insured from Rs 3 lakh to Rs 1 crore, sold as Gold to Titanium, Gold+ to Titanium+ and Flexi variants for entry ages 0 days to 65 years. It has no room rent limit except in the Gold variant, 60 and 180 days of pre and post hospitalisation cover, unlimited ReAssure refills after the first paid claim, Booster+ carry-forward up to 10 times the Base Sum Insured and M-iracle maternity cover after 9 to 48 months by variant.","analysis":{"state":"extracted","analysed_at":"2026-10-16 07:11:57.528942+00","note":"Every stated fact carries a verbatim quote found in the cited clause."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"cross-checked","value":["Gold","Sapphire","Diamond","Platinum","Titanium","Gold+","Sapphire+","Diamond+","Platinum+","Titanium+","Flexi Plan"],"display":"Gold, Sapphire, Diamond, Platinum, Titanium, Gold+, Sapphire+, Diamond+, Platinum+, Titanium+ and Flexi Plan","note":"Gold to Titanium are offered with lesser commission. In the Flexi Plan any combination of benefits can be built; waiting periods, Booster+ cap, room capping and M-iracle waiting period differ by variant.","quote":"Benefits | Gold | Sapphire | Diamond | Platinum | Titanium ... Benefits | Gold+ | Sapphire+ | Diamond+ | Platinum+ | Titanium+ ... Benefits | Flexi Plan ... ** Gold, Sapphire, Diamond, Platinum, Titanium will be offered with lesser commission.","sources":[{"clause":"Annexure III","heading":"Product Benefit Table","page":33,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/187#c-annexure-iii"},{"clause":null,"heading":"Waiting Periods","page":35,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/187#c-waiting-periods"},{"clause":null,"heading":"Waiting Periods","page":37,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/187#c-waiting-periods-2"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"cross-checked","value":"One year by default; two-year and three-year policy terms are also available.","display":"1 year (2 and 3 year terms available)","note":"From the prospectus. Term discount: 10% on the second year premium for a 2 year term; 12.5% on the third year plus 10% on the second for a 3 year term; not applicable to instalment payment.","quote":"The default policy term for all plans is one year. Two year and three year policy term options are also available under the product. The level of discount is as below: 2 year term: 10% on the premium for second policy year 3 year term: 12.5% on the premium for third policy year + 10% on the premium for second policy year Term Discount is not applicable if premium is paid via Monthly, Half Yearly or Quarterly Instalments.","sources":[{"clause":"1.7","heading":"Term discount","page":1,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/187#c-1-7"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"not-stated","value":null,"display":null,"note":"The documents list claim documents ('All documents MUST be submitted at the earliest possible time') but give no deadline for telling the insurer about a hospitalisation.","quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"cross-checked","value":["Claim form","Original Discharge summary with first and subsequent consultation papers","Original Final Hospital bill with detailed break-up and payment receipt (including pharmacy bills)","Laboratory investigation reports with supporting prescriptions","MLC/First Information Report (FIR) (in accident cases)","KYC documents","Cancelled cheque"],"display":"Claim form, discharge summary, final hospital bill with receipts, lab reports with prescriptions, MLC/FIR for accidents, KYC documents, cancelled cheque","note":"Documents must be submitted at the earliest possible time; delay is condoned on merits if reasons are given in writing. Documents are also needed for expenses within the deductible, if one applies.","quote":"b) Documents required with claim form: ... • Original Discharge summary with first and subsequent consultation papers. • Original Final Hospital bill with detailed break-up and payment receipt (including pharmacy bills). • Laboratory investigation reports with supporting prescriptions. • MLC/First Information Report (FIR) (in accident cases). Policyholder documents (Nominee in case of death of Policyholder): • KYC documents • Cancelled cheque","sources":[{"clause":"6.2.4(b)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-6-2-4-b"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"cross-checked","value":"The insurer settles or rejects a claim within 15 days from the claim submission date; for delay it pays interest at 2% above the bank rate from the date of receipt of claim intimation.","display":"15 days from claim submission","note":"Simplified text in the wording says 15 days from submission of all necessary claim documents. Cashless final bill authorisation within three hours of the discharge request; the CIS gives 1 hour for cashless pre-authorisation.","quote":"I) The Company shall settle or reject a claim, as the case may be, within 15 days from the claim submission date. II. ln the case of delay in the payment of a claim, the Company shall be liable to pay interest to the policyholder from the date of receipt of claim intimation till the date of payment of claim at a rate of 2% above the bank rate. ... We will provide our decision on claim within 15 days from submission of all necessary claim documents.","sources":[{"clause":"6.1.9(I)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-6-1-9-i"},{"clause":"6.1.11(ii)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-6-1-11-ii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"cross-checked","value":["Pre-existing diseases until 36 months of continuous cover (12/24/36 months by variant) (Excl01)","Listed illnesses and procedures until 24 months (12 months option in Flexi) (Excl02)","Any illness in the first 30 days, except accidents (Excl03)","Admission primarily for investigation and evaluation (Excl04)","Rest cure, rehabilitation and respite care (Excl05)","Obesity or weight control surgery not meeting the conditions (Excl06)","Cosmetic or plastic surgery (Excl08)","Professional hazardous or adventure sports (Excl09)","Breach of law with criminal intent (Excl10)","Excluded providers (Excl11)","Alcoholism, drug or substance abuse (Excl12)","Refractive error less than 7.5 dioptres (Excl15)","Unproven treatments (Excl16)","Personal Waiting Period of up to 48 months for conditions named for an insured","Conflict and disaster: nuclear, war, rebellion, terrorism","External congenital anomaly","Dental treatment other than due to accidents and cancers"],"display":"Waiting periods (Excl01 to Excl03), standard exclusions Excl04 to Excl16, and the policy's own: personal waiting period, war and nuclear, external congenital anomaly, dental","note":"Also excluded: health hydros and spas (Excl13), unrecognised physicians or hospitals, costs not reasonable and customary or not medically necessary, and artificial life maintenance. 36 months PED and 24 months specific waits are the defaults in the benefit tables; Flexi offers other options.","quote":"5.1.1 Pre-existing Diseases (Code–Excl01) ... until the expiry of 12months/24 months/ 36 months (as per Variant selected) of continuous coverage ... Pre Existing Disease | 36 Months ... Specific Disease | 24 Months ... 5.1.2 Specified disease/procedure waiting period (Code- Excl02) ... Specific Disease | Options: 12 months, 24 Months ... 30-day waiting period (Code- Excl03): a) Expenses related to the treatment of any Illness within 30 days from the first Policy commencement date shall be excluded except claims arising due to an Accident ... 5.1.4 Investigation & Evaluation (Code-Excl04) ... 5.1.5 Rest Cure, rehabilitation and respite care (Code-Excl05) ... 5.1.6 Obesity/ Weight Control (Code-Excl06) ... 5.1.7 Cosmetic or plastic Surgery (Code-Excl08) ... 5.1.8 Hazardous or Adventure sports (Code-Excl09) ... participation as a professional in hazardous or adventure sports ... 5.1.9 Breach of law (Code-Excl10) ... with criminal intent ... 5.1.10 Excluded Providers (Code-Excl11) ... Treatment for, alcoholism, drug or substance abuse or any addictive condition and consequences thereof. (Code-Excl12) ... 5.1.13 Refractive Error (Code-Excl15) ... refractive error less than 7.5 dioptres ... 5.1.14 Unproven Treatments (Code-Excl16) ... Conditions specified for an Insured Person under Personal Waiting Period will be subject to a Waiting Period of up to 48 months ... Treatment for any Injury or Illness resulting directly or indirectly from nuclear, radiological emissions, war or war like situations (whether war is declared or not), rebellion (act of armed resistance to an established government or leader), acts of terrorism. ... Screening, counseling or treatment related to external Congenital Anomaly. ... All dental treatments other than due to accidents and cancers.","sources":[{"clause":"5.1.1","heading":"Pre-existing Diseases (Code–Excl01)","page":17,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-5-1-1"},{"clause":null,"heading":"Waiting Periods","page":35,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/187#c-waiting-periods"},{"clause":"5.1.2","heading":"Specified disease/procedure waiting period (Code- Excl02)","page":17,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-5-1-2"},{"clause":null,"heading":"Waiting Periods","page":39,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/187#c-waiting-periods-3"},{"clause":"5.1.3","heading":"30-day waiting period","page":18,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-5-1-3"},{"clause":"5.1.4","heading":"Investigation & Evaluation (Code-Excl04)","page":18,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-5-1-4"},{"clause":"5.1.5","heading":"Rest Cure, rehabilitation and respite care (Code-Excl05)","page":18,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-5-1-5"},{"clause":"5.1.6","heading":"Obesity/ Weight Control (Code-Excl06)","page":18,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-5-1-6"},{"clause":"5.1.7","heading":"Cosmetic or plastic Surgery (Code-Excl08)","page":19,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-5-1-7"},{"clause":"5.1.8","heading":"Hazardous or Adventure sports (Code-Excl09)","page":19,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-5-1-8"},{"clause":"5.1.9","heading":"Breach of law (Code-Excl10)","page":19,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-5-1-9"},{"clause":"5.1.10","heading":"Excluded Providers (Code-Excl11)","page":19,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-5-1-10"},{"clause":"5.1.11","heading":"Treatment for, alcoholism, drug or substance abuse or any addictive condition and consequences thereof.","page":19,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-5-1-11"},{"clause":"5.1.13","heading":"Refractive Error (Code-Excl15)","page":19,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-5-1-13"},{"clause":"5.1.14","heading":"Unproven Treatments (Code-Excl16)","page":19,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-5-1-14"},{"clause":"5.2.1","heading":"Personal Waiting Period","page":19,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-5-2-1"},{"clause":"5.2.2","heading":"Conflict & Disaster","page":19,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-5-2-2"},{"clause":"5.2.3","heading":"External Congenital Anomaly","page":20,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-5-2-3"},{"clause":"5.2.4","heading":"Dental treatment","page":20,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-5-2-4"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"cross-checked","value":"Contact Niva Bupa customer services (website, toll-free 1860-500-8888, service platform e-mail, fax, courier or any branch grievance cell); if not satisfied, the grievance officer (Head - Customer Services); then escalate to GRO@nivabupa.com; then the Insurance Ombudsman or IRDAI Bima Bharosa.","display":"Niva Bupa customer services (1860-500-8888), then the Head - Customer Services grievance officer, then GRO@nivabupa.com","note":"Senior citizens may write to seniorcitizensupport@nivabupa.com. Fax 011-41743397. Address: D-5, 2nd Floor, Logix Infotech Park, Sector 59, Noida 201301.","quote":"ln case of any grievance the insured person may contact the company through: Website: | www.nivabupa.com Toll- Free: | 1860-500-8888 ... lnsured person may also approach the grievance cell at any of the company’s branches with the details of grievance. If lnsured person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at: Head – Customer Services ... If the Insured person is not satisfied with the above, they can escalate to GRO@nivabupa.com. lf lnsured person is not satisfied with the redressal of grievance through above methods, the insured person may also approach the office of lnsurance Ombudsman ... Grievance may also be lodged at IRDAI integrated Grievance Management System – www.bimabharosa.irdai.gov.in","sources":[{"clause":"6.1.8","heading":"Redressal of Grievance","page":24,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-6-1-8"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"cross-checked","value":"Rs 3 lakh to Rs 1 crore: 3, 5, 7.5, 10, 15, 20, 25, 50 or 100 lakh.","display":"Rs 3 lakh to Rs 1 crore (3, 5, 7.5, 10, 15, 20, 25, 50, 100 lakh)","note":"Booster+ can add up to 10 times the Base Sum Insured and ReAssure gives unlimited refills of up to Base Sum Insured per claim.","quote":"Sum Insured options from INR 3 Lakh to INR 1 Crore. ... Sum Insured Options are: 3 Lacs, 5 Lacs, 7.5 Lacs, 10 Lacs, 15 Lacs, 20 Lacs, 25 Lacs, 50 Lacs, 100 Lacs","sources":[{"clause":"2","heading":"Coverage Options","page":2,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/187#c-2"},{"clause":"Row 4","heading":"Sum Insured","page":1,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/188#c-row-4"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days","note":"Accidents covered from day 1. Applies afresh to any sum insured increase. Does not apply if the person has more than twelve months of continuous coverage.","quote":"a) Expenses related to the treatment of any Illness within 30 days from the first Policy commencement date shall be excluded except claims arising due to an Accident, provided the same are covered. b) This exclusion shall not, however, apply if the Insured Person has continuous coverage for more than twelve months ... c) The within referred waiting period is made applicable to the enhanced Sum Insured in the event of granting higher Sum Insured subsequently.","sources":[{"clause":"5.1.3","heading":"30-day waiting period","page":18,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-5-1-3"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"cross-checked","value":{"unit":"months","amount":36},"display":"36 months","note":"36 months in Gold to Titanium and Gold+ to Titanium+; Flexi Plan offers 12, 24 or 36 months. Optional PED Waiting Time Modification can cut it to 12 or 24 months (only at purchase). A Personal Waiting Period of up to 48 months can apply to named conditions.","quote":"a) Expenses related to the treatment of a Pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 12months/24 months/ 36 months (as per Variant selected) of continuous coverage after the date of inception of the first Policy. ... Pre Existing Disease | 36 Months ... Pre Existing Disease | Options: 12 months, 24 Months, 36 Months ... Modify the PED from the current to 12 months, 24 Months","sources":[{"clause":"5.1.1","heading":"Pre-existing Diseases (Code–Excl01)","page":17,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-5-1-1"},{"clause":null,"heading":"Waiting Periods","page":35,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/187#c-waiting-periods"},{"clause":null,"heading":"Waiting Periods","page":39,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/187#c-waiting-periods-3"},{"clause":null,"heading":"Optional Benefits","page":34,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/187#c-optional-benefits"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"cross-checked","value":{"unit":"months","amount":24},"display":"24 months","note":"24 months in all fixed variants; Flexi Plan option of 12 months. Not applicable to accidents; cancer covered after the 30 day wait. If a listed condition is also a PED, the longer wait applies.","quote":"a) Expenses related to the treatment of the listed conditions, surgeries/treatments shall be excluded until the expiry of 24 months/12 months (as per Variant Selected) of continuous coverage after the date of inception of the first Policy. This exclusion shall not be applicable for claims arising due to an Accident (covered from day 1) or Cancer (covered after 30-day waiting period). ... Specific Disease | 24 Months ... Specific Disease | Options: 12 months, 24 Months","sources":[{"clause":"5.1.2","heading":"Specified disease/procedure waiting period (Code- Excl02)","page":17,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-5-1-2"},{"clause":null,"heading":"Waiting Periods","page":35,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/187#c-waiting-periods"},{"clause":null,"heading":"Waiting Periods","page":39,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/187#c-waiting-periods-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"cross-checked","value":["Pancreatitis and stones in biliary and urinary system","Cataract, glaucoma and retinal detachment","Hyperplasia of prostate, hydrocele and spermatocele","Prolapse uterus or cervix, endometriosis, Fibroids, Polycystic ovarian disease (PCOD), hysterectomy (unless necessitated by Malignancy)","Hemorrhoids, fissure, fistula or abscess of anal and rectal region","Hernia of any site or type","Osteoarthritis, joint replacement, osteoporosis, systemic connective tissue disorders, inflammatory polyarthropathies, Rheumatoid Arthritis, gout, intervertebral disc disorders, arthroscopic surgeries for ligament repair","Varicose veins of lower extremities","All internal or external benign neoplasms/ tumours, cyst, sinus, polyps, nodules, mass or lump","Ulcer, erosion or varices of gastro intestinal tract","Surgical treatment for diseases of middle ear and mastoid (including otitis media, cholesteatoma, perforation of tympanic membrane), Tonsils and adenoids, nasal septum and nasal sinuses"],"display":"Pancreatitis and stones, cataract and glaucoma, prostate, uterine conditions, piles and fistula, hernia, joint and spine conditions, varicose veins, benign growths, GI ulcers, ENT surgery","note":null,"quote":"i) Pancreatitis and stones in biliary and urinary system ii) Cataract, glaucoma and retinal detachment iii) Hyperplasia of prostate, hydrocele and spermatocele iv) Prolapse uterus or cervix, endometriosis, Fibroids, Polycystic ovarian disease (PCOD), hysterectomy (unless necessitated by Malignancy) v) Hemorrhoids, fissure, fistula or abscess of anal and rectal region vi) Hernia of any site or type, vii) Osteoarthritis, joint replacement, osteoporosis, systemic connective tissue disorders, inflammatory polyarthropathies, Rheumatoid Arthritis, gout, intervertebral disc disorders, arthroscopic surgeries for ligament repair viii) Varicose veins of lower extremities ix) All internal or external benign neoplasms/ tumours, cyst, sinus, polyps, nodules, mass or lump x) Ulcer, erosion or varices of gastro intestinal tract xi) Surgical treatment for diseases of middle ear and mastoid (including otitis media, cholesteatoma, perforation of tympanic membrane), Tonsils and adenoids, nasal septum and nasal sinuses.","sources":[{"clause":"5.1.2","heading":"Specified disease/procedure waiting period (Code- Excl02)","page":17,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-5-1-2"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"cross-checked","value":{"unit":"months","amount":60},"display":"60 months","note":"Applies to the first policy's sum insured; for any increase, sixty months run from the date of enhancement.","quote":"After completion of sixty continuous months of coverage (including portability and migration) in health insurance policy, no policy and claim shall be contestable by the insurer on the grounds of non-disclosure, misrepresentation, except on grounds of established fraud.","sources":[{"clause":"6.1.10","heading":"Moratorium Period","page":25,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-6-1-10"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"cross-checked","value":"Yes. The policy can be ported to another insurer, transferring credits gained for sum insured, no claim bonus, specific waiting periods, pre-existing disease waiting period and moratorium.","display":"Yes, with credit for waiting periods","note":"Subject to the insurer's board-approved underwriting policy. Migration to another Niva Bupa product is also allowed.","quote":"A Policyholder has the choice to port his/ her policies from one Insurer to another irrespective of individual or group policy subject to the Board approved underwriting policy of the insurers. ... The policyholder is entitled to transfer the credits gained to the extent of the Sum Insured, No Claim Bonus, specific waiting periods, waiting period for pre-existing disease , Moratorium period etc. from the Existing Insurer to the Acquiring Insurer in the previous policy.","sources":[{"clause":"5.1.13","heading":"Portability","page":21,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/187#c-5-1-13"},{"clause":"6.1.13","heading":null,"page":26,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-6-1-13"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"cross-checked","value":true,"display":"Yes, no maximum renewal age","note":"Renewal can be refused only for established fraud, non-disclosure or misrepresentation.","quote":"There is no maximum cover ceasing age on renewals. ... A health insurance policy shall be renewable except on grounds of established fraud or non-disclosure or misrepresentation by the insured.","sources":[{"clause":"1.3","heading":null,"page":1,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/187#c-1-3"},{"clause":"5.1.3","heading":"Renewal of Policy","page":18,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/187#c-5-1-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"cross-checked","value":"No loading at renewal based on individual claims experience. Renewal premium changes with age; under Lock the Clock the entry-age premium stays until a claim is paid, after which current age applies.","display":"No claim-based loading; but a paid claim ends the Lock the Clock entry-age premium","note":"Lock the Clock comes with ReAssure+ variants; under Lock the Clock+ a M-iracle claim does not unlock the age. Risk loading applied at underwriting (up to 100% per condition, 150% per person) continues at all renewals.","quote":"c) No loading shall apply on renewals based on individual claims experience. ... Lock the Clock: Your age is locked at entry when you buy the policy, till a claim is paid. ... Post the claim is paid, the premium charged will be as per your current age and will continue to change as per the age slabs at each renewal. ... ii) We will never ask for more than 100% for any particular health condition and never more than 150% for any individual. iii) Once applied, Risk loading continues even for all renewals.","sources":[{"clause":"6.1.3","heading":null,"page":22,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-6-1-3"},{"clause":"4(c)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-4-c-2"},{"clause":"6.2.2","heading":"Additional premium (Risk Loading)","page":27,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-6-2-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"cross-checked","value":["Investigation and evaluation (Excl04)","Rest cure, rehabilitation and respite care (Excl05)","Obesity or weight control surgery not meeting the conditions (Excl06)","Cosmetic or plastic surgery (Excl08)","Hazardous or adventure sports as a professional (Excl09)","Breach of law (Excl10)","Excluded providers (Excl11)","Alcoholism, drug or substance abuse or any addictive condition (Excl12)","Treatments in health hydros, nature cure clinics, spas (Excl13)","Refractive error less than 7.5 dioptres (Excl15)","Unproven treatments (Excl16)","Conflict and disaster: nuclear, radiological emissions, war, rebellion, terrorism","Screening, counseling or treatment related to external Congenital Anomaly","All dental treatments other than due to accidents and cancers","Unrecognized physician or hospital, or treatment by a family member or someone with the same residence","Costs which are not Reasonable and Customary and treatments which are not Medically Necessary","Artificial life maintenance for a person declared brain dead or in vegetative state"],"display":"Standard exclusions Excl04 to Excl16 (as printed) plus war and nuclear, external congenital anomaly, dental, unrecognised providers, unreasonable costs, artificial life support","note":"The wording does not print codes Excl07, Excl14, Excl17 or Excl18. The external congenital anomaly exclusion does not apply to newborns added under M-iracle. Excl11 allows expenses up to stabilisation in life-threatening cases or accidents.","quote":"5.1.4 Investigation & Evaluation (Code-Excl04) ... 5.1.5 Rest Cure, rehabilitation and respite care (Code-Excl05) ... 5.1.6 Obesity/ Weight Control (Code-Excl06) ... 5.1.7 Cosmetic or plastic Surgery (Code-Excl08) ... 5.1.8 Hazardous or Adventure sports (Code-Excl09) ... participation as a professional in hazardous or adventure sports ... 5.1.9 Breach of law (Code-Excl10) ... 5.1.10 Excluded Providers (Code-Excl11) ... Treatment for, alcoholism, drug or substance abuse or any addictive condition and consequences thereof. (Code-Excl12) ... Treatments received in heath hydros, nature cure clinics, spas or similar establishments ... (Code-Excl13) ... 5.1.13 Refractive Error (Code-Excl15) ... refractive error less than 7.5 dioptres ... 5.1.14 Unproven Treatments (Code-Excl16) ... Treatment for any Injury or Illness resulting directly or indirectly from nuclear, radiological emissions, war or war like situations (whether war is declared or not), rebellion (act of armed resistance to an established government or leader), acts of terrorism. ... Screening, counseling or treatment related to external Congenital Anomaly. ... All dental treatments other than due to accidents and cancers. ... a) Treatment or Medical Advice provided by a Medical Practitioner not recognized by the Medical Council of India ... b) Treatment provided by anyone with the same residence as an Insured Person or who is a member of the Insured Person’s immediate family or relatives. c) Treatment provided by Hospital or health facility that is not recognized by the relevant authorities in India. ... Costs which are not Reasonable and Customary and treatments which are not Medically Necessary. ... Artificial life maintenance for the Insured Person who has been declared brain dead or in vegetative state.","sources":[{"clause":"5.1.4","heading":"Investigation & Evaluation (Code-Excl04)","page":18,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-5-1-4"},{"clause":"5.1.5","heading":"Rest Cure, rehabilitation and respite care (Code-Excl05)","page":18,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-5-1-5"},{"clause":"5.1.6","heading":"Obesity/ Weight Control (Code-Excl06)","page":18,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-5-1-6"},{"clause":"5.1.7","heading":"Cosmetic or plastic Surgery (Code-Excl08)","page":19,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-5-1-7"},{"clause":"5.1.8","heading":"Hazardous or Adventure sports (Code-Excl09)","page":19,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-5-1-8"},{"clause":"5.1.9","heading":"Breach of law (Code-Excl10)","page":19,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-5-1-9"},{"clause":"5.1.10","heading":"Excluded Providers (Code-Excl11)","page":19,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-5-1-10"},{"clause":"5.1.11","heading":"Treatment for, alcoholism, drug or substance abuse or any addictive condition and consequences thereof.","page":19,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-5-1-11"},{"clause":"5.1.12","heading":null,"page":19,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-5-1-12"},{"clause":"5.1.13","heading":"Refractive Error (Code-Excl15)","page":19,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-5-1-13"},{"clause":"5.1.14","heading":"Unproven Treatments (Code-Excl16)","page":19,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-5-1-14"},{"clause":"5.2.2","heading":"Conflict & Disaster","page":19,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-5-2-2"},{"clause":"5.2.3","heading":"External Congenital Anomaly","page":20,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-5-2-3"},{"clause":"5.2.4","heading":"Dental treatment","page":20,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-5-2-4"},{"clause":"5.2.5","heading":"Unrecognized Physician or Hospital","page":20,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-5-2-5"},{"clause":"5.2.6","heading":null,"page":20,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-5-2-6"},{"clause":"5.2.7","heading":null,"page":20,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-5-2-7"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"cross-checked","value":"You can cancel any time with 7 days' written notice. For a term up to one year, the unexpired-period premium is refunded proportionately if no claim was made; for longer terms, premium for policy years not yet started is refunded. No refund if a claim has been paid.","display":"Proportionate refund for the unexpired period if no claim; nothing if a claim was paid","note":null,"quote":"The policy holder may cancel his/her policy at any time during the term, by giving 7 days’ notice in writing. The insurer shall: a) Refund proportionate premium for unexpired policy period, if the term of the policy upto one year and there is no claim(s) made during the policy period. b) Refund premium for the unexpired policy period, in respect of policies with term more than 1 year and risk coverage for such policy years are not commenced. ... Note: We will NOT refund any premium if we have paid a claim.","sources":[{"clause":"6.1.2","heading":"Cancellation","page":21,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-6-1-2"},{"clause":null,"heading":"Simplified for you","page":21,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-simplified-for-you-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"cross-checked","value":"Hospital cover in India; treatment anywhere in the world is covered under the optional Borderless benefit. AYUSH treatment is covered in India only.","display":"India; worldwide with the optional Borderless cover","note":"The wording preamble says 'This Policy covers Allopathic treatments anywhere in the world', but treatment abroad is described only under the optional Borderless benefit (default 50% co-payment, reducible to 0%), which is not available to non-Indian citizens or non-residents. All claims are payable in India in Indian Rupees. M-iracle and WellConsult (OPD) apply only in India.","quote":"This Policy covers Allopathic treatments anywhere in the world. AYUSH treatments are covered in India only. ... Optional Benefit: ... 4.1.23. Borderless Get emergency or planned treatments anywhere in the world. Choose from a range of co-payments options 0%, 20%, 30%, 40% & 50% ... This optional benefit is not available to Non-Indian citizens & people who are not permanent residents of India. ... Borderless | Get treatment anywhere in the world. Covered up to Sum Insured with 50% Co-payment. (Option to reduce co-payment to 0%/20%/30%/40%)","sources":[{"clause":"1","heading":"Preamble","page":1,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-1"},{"clause":null,"heading":"Policy Period: 3 years","page":13,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-policy-period-3-years"},{"clause":"4(b)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-4-b-8"},{"clause":null,"heading":"Optional Benefits","page":34,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/187#c-optional-benefits"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days","note":"Not on renewals. Refund less proportionate risk premium, medical examination and stamp duty costs.","quote":"The insured person shall be allowed free look period of thirty days from date of receipt of the policy document to review the terms and conditions of the policy.","sources":[{"clause":"6.1.1","heading":"Free Look Period","page":21,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-6-1-1"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days (15 days for monthly instalments)","note":"15 days where premium is paid monthly.","quote":"b) At the end of the policy period, the policy shall terminate and can be renewed within the Grace Period of 30 days (annual installment) to maintain continuity of benefits without break in policy. ... i) Grace Period of 30 days in all types of policies, and a period of 15 days in case of monthly instalments","sources":[{"clause":"6.1.3","heading":null,"page":22,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-6-1-3"},{"clause":"6.1.17","heading":"Premium Payment in Instalments","page":26,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-6-1-17"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"cross-checked","value":"From 0 days to 65 years; adults from 18 years. The maximum entry age for adults and dependent children is 65 years.","display":"0 days to 65 years (adults 18 to 65)","note":"From the prospectus. No maximum cover ceasing age on renewal.","quote":"This policy covers persons in the age group 0 days and 65 years. The minimum entry age for adult is 18 years. The maximum entry age limit for adults and dependent child in this product is 65 years.","sources":[{"clause":"1.2","heading":null,"page":1,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/187#c-1-2"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"cross-checked","value":["Annual","Half Yearly","Quarterly","Monthly"],"display":"Annual, half-yearly, quarterly or monthly","note":"Term discount for 2 and 3 year policies is not given on monthly, half-yearly or quarterly instalments.","quote":"within the Grace Period of 30 days (annual installment) ... lf the insured person has opted for Payment of Premium on an instalment basis i.e. Half Yearly, Quarterly or Monthly","sources":[{"clause":"6.1.3","heading":null,"page":22,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-6-1-3"},{"clause":"6.1.17","heading":"Premium Payment in Instalments","page":26,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-6-1-17"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"cross-checked","value":["Annual Aggregate Deductible","Hospital Cash","Co-Payment","Pre-Existing Disease Waiting Time Modification","Room Type Modification","Personal Accident","Safeguard","Safeguard+","Future Ready","Borderless","Cash-Bag","WellConsult (OPD)"],"display":"Annual Aggregate Deductible, Hospital Cash, Co-Payment, Pre-Existing Disease Waiting Time Modification, Room Type Modification, Personal Accident, Safeguard, Safeguard+, Future Ready, Borderless, Cash-Bag, WellConsult (OPD)","note":"Only one of Safeguard or Safeguard+; Co-Payment and Annual Aggregate Deductible cannot be taken together. ReAssure+ or ReAssureX comes with the variant, not as an option.","quote":"Optional Coverage: • Annual Aggregate Deductible • Hospital Cash • Co-Payment • Pre-Existing Disease Waiting Time Modification • Room Type Modification • Personal Accident • Safeguard • Safeguard+ • Future Ready • Borderless • Cash-Bag • WellConsult (OPD)","sources":[{"clause":"Row 5","heading":"Policy Coverage","page":1,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/188#c-row-5"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"cross-checked","value":"No for annual renewals: you are not insured during the grace period. When premium is paid in instalments, cover continues during the grace period.","display":"No (yes only for instalment payers)","note":"Continuity of waiting-period credit is kept if paid within the grace period.","quote":"Note: You are NOT insured during the grace period. ... ii) For policies where premium is paid in instalments only, the coverage will be given during grace period.","sources":[{"clause":"5.1.6","heading":"Fraud","page":18,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/187#c-5-1-6"},{"clause":"6.1.17","heading":"Premium Payment in Instalments","page":26,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-6-1-17"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for the hospital room, or the room category allowed. If you take a costlier room, other bills can be cut in proportion.","status":"cross-checked","value":"No room rent limit: any room up to Sum Insured. The Gold variant is limited to a single private room.","display":"No limit (Gold variant: single private room)","note":"The benefit table also marks 'Single Private Room Only' in the Gold column. Optional Room Type Modification lets you choose Shared Room or Standard Single Room for a lower premium; a costlier room then means an extra co-payment of 10%, 15% or 25%.","quote":"We don’t limit your choice. Choose the room you like, but choose judiciously to protect your Sum Insured. ... • Room Type Capping: Up to Single Private ... Room for Gold variant and Up to Sum Insured ... for all other variants","sources":[{"clause":"4(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-4-a-2"},{"clause":"Excl13(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/188#c-excl13-b"}],"law":[]},{"key":"room_category","label":"Room category allowed","section":"Limits and co-pay","meaning":"Shared room, single private room or any room, by plan, when the limit is a room type rather than a rupee amount.","status":"cross-checked","value":"Any room in all variants except Gold (single private room). With the optional Room Type Modification, Shared Room or Standard Single Room.","display":"Any room (Gold: single private room)","note":"Room Type Modification co-payment for a higher room: Shared to Single 10%, Shared to Deluxe/Suite 25%, Single to Deluxe/Suite 15%.","quote":"Choose the room you like, but choose judiciously to protect your Sum Insured. ... All Day Care Treatments Covered. Single Private Room Only ... Room type Modification | Shared Room, Standard Single Room ... Shared Room | Standard Single Room | 10% ... Shared Room | Deluxe/Suite Room | 25% ... Standard Single Room | Deluxe/Suite Room | 15%","sources":[{"clause":"4(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-4-a-2"},{"clause":"Annexure III","heading":"Product Benefit Table","page":33,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/187#c-annexure-iii"},{"clause":null,"heading":"Optional Benefits","page":34,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/187#c-optional-benefits"},{"clause":"4(b)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-4-b-7"}],"law":[]},{"key":"icu_limit","label":"ICU limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for intensive care.","status":"cross-checked","value":"ICU admission is always paid up to Sum Insured, whatever room type is chosen.","display":"Up to Sum Insured","note":"Stated in the Room Type Modification section of the wording; no separate ICU cap is printed.","quote":"Irrespective of the Room type you choose, ICU admission will always be paid up to Sum Insured.","sources":[{"clause":"4(b)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-4-b-7"}],"law":[]},{"key":"proportionate_deduction","label":"Proportionate deduction","section":"Limits and co-pay","meaning":"If you choose a room above your limit, whether the insurer reduces associated charges (doctor fees, tests, procedures) by the same proportion.","status":"cross-checked","value":"Yes, if you take a room higher than the eligible room category in your schedule: associated medical expenses (room, nursing, doctors' fees, operation theatre) are paid in the ratio of eligible to actual room rent.","display":"Yes, if room above eligible category","note":"Most variants have no room limit, so this matters for the Gold variant and Room Type Modification, where the wording also sets an extra co-payment for a higher room.","quote":"d) If you opt for a Hospital room which is higher than the eligible room category as specified in your Policy Schedule, then We will pay only a pro-rated portion of the total Associated Medical Expenses (including surcharge or taxes thereon) as per the following formula: (Eligible Room Rent limit / Room Rent actually incurred) * total Associated Medical Expenses Associated Medical Expenses shall include Room Rent, nursing charges, Medical Practitioners’ fees and operation theatre charges.","sources":[{"clause":"6.2.4(d)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-6-2-4-d"}],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself, and when it applies (age, zone, choice of hospital).","status":"cross-checked","value":"None unless the optional co-payment is chosen (0%, 10%, 20%, 30%, 40% or 50%).","display":"None unless opted","note":"Borderless (treatment abroad) carries 50% co-payment by default, reducible to 0%. Room Type Modification adds 10% to 25% for a higher room. WellConsult (OPD) 20% on reimbursement. Co-payment does not apply to M-iracle and some other benefits.","quote":"ii. Co-payment – • Optional benefit with following options – 0%, 10%, 20%, 30%, 40% and 50%. • Borderless: Option to choose co-payment as per customer - 0%, 20%, 30%, 40% and 50%.","sources":[{"clause":"Excl13(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/188#c-excl13-b"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"An amount of each claim or each year that you bear before the policy pays.","status":"cross-checked","value":"None unless the optional Annual Aggregate Deductible is chosen (INR 10,000 to INR 5,00,000 a year).","display":"None unless opted","note":"Aggregate in a year. Does not apply to M-iracle, Cash-Bag, OPD, health check-up, PA, hospital cash, Borderless. Cannot be taken with co-payment.","quote":"iii. Annual Aggregate Deductible - Optional benefit with following options - INR 10,000; INR 20,000; INR 30,000; INR 50,000; INR 1,00,000; INR 2,00,000; INR 3,00,000; INR 4,00,000; INR 5,00,000","sources":[{"clause":"Excl13(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/188#c-excl13-b"}],"law":[]},{"key":"disease_sublimits","label":"Disease or procedure sub-limits","section":"Limits and co-pay","meaning":"Caps on what is paid for named treatments (cataract, knee replacement...), even if the sum insured is higher.","status":"cross-checked","value":["Maternity (M-iracle): INR 4,000 to INR 25,000 per year by Base Sum Insured","Modern treatments: up to Base Sum Insured","Tests on an adopted child: up to INR 10,000"],"display":"Maternity (M-iracle) INR 4,000 to 25,000 a year; modern treatments up to Base Sum Insured; no caps on named illnesses","note":"M-iracle limit by Base Sum Insured: 3L 4,000; 5L 5,000; 7.5L 10,000; 10L 12,000; 15L 15,000; 20L/25L 20,000; 50L/1Cr 25,000, and unused M-iracle sum insured carries forward. The CIS lists M-iracle and the Gold room capping as its sub-limits. The prospectus benefit table and the CIS say modern treatments are covered 'up to Sum Insured'. No caps on named illnesses such as cataract or joint replacement are printed.","quote":"b) We pay for Modern treatments, up to Base Sum Insured for the list as specified below: ... Up to INR 10,000 will be paid for tests conducted on the child, at the time of adoption. ... Base Sum Insured | 3L | 5L | 7.5L | 10L | 15L | 20L/25L | 50L/1CR M-iracle Sum Insured per year | 4,000 | 5,000 | 10,000 | 12,000 | 15,000 | 20,000 | 25,000","sources":[{"clause":"4(b)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-4-b-2"},{"clause":"3.10","heading":"M-iracle","page":6,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/187#c-3-10"}],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days before admission that are paid if related to the hospitalisation.","status":"cross-checked","value":{"unit":"days","amount":60},"display":"60 days","note":"Up to Sum Insured.","quote":"We will pay expenses incurred on consultations, medicines, physiotherapy, diagnostic tests for 60 days before the date of admission and 180 days after date of discharge IF these are related to the condition for which hospitalization claim is paid.","sources":[{"clause":"4(b)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-4-b-2"}],"law":[]},{"key":"post_hospitalisation","label":"Post-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days after discharge that are paid if related to the hospitalisation.","status":"cross-checked","value":{"unit":"days","amount":180},"display":"180 days","note":"Up to Sum Insured.","quote":"We will pay expenses incurred on consultations, medicines, physiotherapy, diagnostic tests for 60 days before the date of admission and 180 days after date of discharge IF these are related to the condition for which hospitalization claim is paid.","sources":[{"clause":"4(b)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-4-b-2"}],"law":[]},{"key":"day_care","label":"Day-care treatments","section":"Cover","meaning":"Treatments needing less than 24 hours in hospital (chemotherapy, dialysis, cataract) and whether all or only listed ones are covered.","status":"cross-checked","value":"All day care treatments are covered: hospitalisation of 2 hours or more qualifies.","display":"All day care treatments covered","note":"No payment if only investigations were done (MRI, CT, endoscopy etc.).","quote":"• Hospitalized for 2 hours or more (minimum 24 hours for AYUSH treatment in a AYUSH Hospital). This means that all Day Care Treatments will also be covered.","sources":[{"clause":"4(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-4-a-2"}],"law":[]},{"key":"domiciliary","label":"Treatment at home","section":"Cover","meaning":"Whether treatment at home is covered when hospital admission is not possible or a doctor advises it.","status":"cross-checked","value":"Yes, up to Sum Insured, when a medical practitioner advises treatment at home, with daily monitoring by a doctor and a signed daily chart.","display":"Yes, up to Sum Insured on doctor's advice","note":"Peritoneal dialysis and chemotherapy at home are covered; medical devices used at home (BP monitors, CPAP etc.) are not. Pre and post hospitalisation also apply.","quote":"Home Care Treatment means treatment availed by the insured person at home which in normal course would require care and treatment at a hospital but is actually taken at home provided that: ... a) The medical practitioner advices the insured person to undergo treatment at home ... b) There is continuous active line of treatment with monitoring of health status by a medical practitioner for each day through the duration of the home care treatment ... c) Daily monitoring chart including records of treatment administered duly signed by the treating doctor is maintained ... Home Care/ Domiciliary | Covered up to Sum Insured","sources":[{"clause":"4(b)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-4-b-2"},{"clause":"4(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-4-a-3"},{"clause":"4(b)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-4-b-3"},{"clause":"4(c)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-4-c"},{"clause":"Annexure III","heading":"Product Benefit Table","page":33,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/187#c-annexure-iii"}],"law":[]},{"key":"ayush","label":"AYUSH treatment","section":"Cover","meaning":"Ayurveda, Yoga, Unani, Siddha and Homeopathy treatment in a recognised hospital, and any limit.","status":"cross-checked","value":"Covered up to Sum Insured for admission of 24 hours or more in an AYUSH Hospital, in India only.","display":"Yes, up to Sum Insured (24+ hours in AYUSH Hospital, India only)","note":null,"quote":"AYUSH treatments are covered in India only. ... (minimum 24 hours for AYUSH treatment in a AYUSH Hospital) ... Expenses During Hospitalization (Including AYUSH) | Covered up to Sum Insured","sources":[{"clause":"1","heading":"Preamble","page":1,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-1"},{"clause":"4(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-4-a-2"},{"clause":"Annexure III","heading":"Product Benefit Table","page":33,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/187#c-annexure-iii"}],"law":[{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 1","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 2","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 1","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II A.I(1)","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"modern_treatments","label":"Modern treatments","section":"Cover","meaning":"Robotic surgery, immunotherapy, oral chemotherapy, stem cell therapy and the like, and any cap on them.","status":"conflicting","value":"Covered up to Base Sum Insured for 12 listed treatments, including robotic surgery, immunotherapy, oral chemotherapy, stem cell therapy, stereotactic radiosurgery and deep brain stimulation.","display":"Covered up to Base Sum Insured","note":"The wording (and prospectus section 3.2) cap modern treatments at Base Sum Insured; the prospectus benefit table says 'Modern Treatments: Covered up to Sum Insured.' and the CIS says 'Modern treatments Up to Sum Insured.' The difference matters once Booster+ has built up.","quote":"b) We pay for Modern treatments, up to Base Sum Insured for the list as specified below: 1. Uterine Artery Embolization and HIFU (High intensity focused ultrasound) | 2. Immunotherapy- Monoclonal Antibody to be given as injection | 3. Vaporisation of the prostrate (Green laser treatment or holmium laser treatment) | 4. Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions 5. Balloon Sinuplasty | 6. Oral Chemotherapy | 7. Robotic surgeries | 8. Stereotactic radio Surgeries 9. Deep Brain stimulation | 10. Intra vitreal injections | 11. Bronchical Thermoplasty | 12. IONM - (Intra Operative Neuro Monitoring) ... Modern Treatments: Covered up to Sum Insured. ... Modern treatments Up to Sum Insured.","sources":[{"clause":"4(b)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-4-b-2"},{"clause":"Annexure III","heading":"Product Benefit Table","page":33,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/187#c-annexure-iii"},{"clause":"Row 5","heading":"Policy Coverage","page":1,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/188#c-row-5"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 2","url":"https://indiainsurances.com/law/irdai-health-mc-2024"}]},{"key":"organ_donor","label":"Organ donor expenses","section":"Cover","meaning":"Whether the donor's hospital costs for an organ transplant are paid.","status":"cross-checked","value":"Yes. The donor's hospitalisation expenses for harvesting the organ are paid, up to Sum Insured, only when your hospitalisation claim is paid.","display":"Yes, up to Sum Insured","note":"If the insured person donates an organ, the harvesting expenses are also paid.","quote":"If you ever undergo an organ transplant, we will pay the hospitalization expenses of the donor for harvesting the organ, ONLY when your Hospitalization claim is paid. ... Organ Donor | Covered up to Sum Insured","sources":[{"clause":"4(c)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-4-c"},{"clause":"Annexure III","heading":"Product Benefit Table","page":33,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/187#c-annexure-iii"}],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"conflicting","value":"Road ambulance and air ambulance (emergency only) each up to Base Sum Insured, if the hospitalisation claim is paid and a registered provider is used.","display":"Road and air ambulance up to Base Sum Insured","note":"The wording (and prospectus section 3.1) pay up to Base Sum Insured; the prospectus benefit table says 'Road Ambulance: Up to Sum Insured Air Ambulance: Up to Sum Insured' and the CIS says 'Road ambulance & Air Ambulance covered up to Sum Insured'.","quote":"a) Road Ambulance: We will pay you up to Base Sum Insured ... b) Air Ambulance: Only in case of Emergency. We will pay up to Base Sum Insured. Note: This will be paid only if claim for hospitalization is paid by us. You must always use a registered ambulance / air ambulance provider. ... Road Ambulance: Up to Sum Insured Air Ambulance: Up to Sum Insured ... Road ambulance & Air Ambulance covered up to Sum Insured","sources":[{"clause":"4(a)","heading":"Road Ambulance","page":6,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-4-a"},{"clause":"4(b)","heading":"Air Ambulance","page":6,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-4-b"},{"clause":"Annexure III","heading":"Product Benefit Table","page":33,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/187#c-annexure-iii"},{"clause":"Row 5","heading":"Policy Coverage","page":1,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/188#c-row-5"}],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up in a year, how much, how often, and whether it works for the same illness.","status":"cross-checked","value":"ReAssure+ or ReAssureX: unlimited refill. The first paid claim triggers ReAssure 'Forever', which stays for life if the policy is renewed without break; each claim under it is paid up to Base Sum Insured.","display":"Unlimited, up to Base Sum Insured per claim, after the first paid claim","note":"Which of ReAssure+ (with Lock the Clock) or ReAssureX applies depends on the variant in the benefit table. The illustration shows it can be used again for later claims in the same year; the documents do not say whether it is limited for the same illness.","quote":"ReAssure “Forever”: Enjoy unlimited Sum Insured. The first paid claim in the life of the policy triggers ReAssure “Forever”. Once Triggered it stays for life, provided that the policy is renewed without break. ... a) Maximum amount ReAssure+ pays for any single claim is up to Base Sum Insured. ... Either ReAssure+ or ReAssureX can be offered in a single policy.","sources":[{"clause":"4(c)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-4-c"},{"clause":"4(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-4-a-4"},{"clause":"4(c)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-4-c-3"}],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"cross-checked","value":"Booster+: unused Base Sum Insured carries forward each year, up to 10 times the Base Sum Insured depending on variant and entry age.","display":"Booster+: unused cover carries forward, up to 10 times Base Sum Insured","note":"The benefit table caps it at 3X, 5X or 10X (entry age 18-35) by variant group, lower for older entry ages; Flexi up to 10X. A paid claim uses up the carried amount (only the unutilised part carries). Optional Safeguard/Safeguard+ keep Booster+ intact for claims up to INR 50,000 / 1,00,000 a year. If Base Sum Insured is reduced, Booster+ reduces proportionately.","quote":"Don’t lose what you don’t use. Unutilized Base Sum Insured carries forward. Maximum it will accumulate up to 10 times of the Base Sum Insured, based on variant chosen and your entry age into this plan. ... • Entry Age 18-35: 3X • Entry Age 36-45: 2X • Entry Age 46+: 1X | • Entry Age 18-35: 5X; • Entry Age 36-45: 3X • Entry Age 46+: 2X | • Entry Age 18-35: 10X • Entry Age 36-45: 5X • Entry Age 46+: 3X","sources":[{"clause":"4(c)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-4-c-3"},{"clause":"Annexure III","heading":"Product Benefit Table","page":33,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/187#c-annexure-iii"}],"law":[]},{"key":"consumables","label":"Consumables and non-medical items","section":"Cover","meaning":"Gloves, PPE, syringes and other items hospitals bill that standard policies exclude; whether this policy pays them.","status":"cross-checked","value":"Not paid in the base cover (Annexure I lists them as not covered). The optional Safeguard pays List I items; Safeguard+ pays Lists I to IV.","display":"Not paid unless optional Safeguard or Safeguard+ is bought","note":"List I includes gloves, masks, nebulisation kit and ambulance collar. Cash-Bag savings can also be used for non-payable items.","quote":"c) The expenses that are not covered or subsumed into room charges / procedure charges / costs of treatment are placed as Annexure I. ... 4.1.20.1.1. Claim Safeguard: We will cover non-payable items mentioned in ‘List I – Expenses not covered’ of Annexure I’. ... 4.1.21.1. Claim Safeguard+: We will cover non-payable items mentioned in ‘List I,II,III,IV of Annexure I’.","sources":[{"clause":"6.2.4(c)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-6-2-4-c"},{"clause":"4(b)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-4-b-8"}],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"cross-checked","value":"Yes, under M-iracle: delivery (normal or caesarean), antenatal check-ups, IVF and other assisted reproduction, infertility treatment, surrogacy, termination and adoption charges, up to INR 4,000 to INR 25,000 a year by Base Sum Insured, after a waiting period of 9 to 48 months by variant. India only.","display":"Yes, INR 4,000 to 25,000 a year; waiting period 9 to 48 months by variant","note":"Waiting period per CIS: Gold+/Gold 48 months, Sapphire 12 months, Diamond+/Diamond 24 months, Platinum and Titanium (and plus) 9 months; Flexi 48/24/12/9 options. Unused M-iracle sum insured carries forward like Booster+. Biological mother must be insured unless surrogacy or adoption. All maternity complications are paid only from M-iracle sum insured; ectopic pregnancy under hospitalisation.","quote":"• Delivery. Normal or Caesarian section ... Base Sum Insured | 3L | 5L | 7.5L | 10L | 15L | 20L/25L | 50L/1CR M-iracle Sum Insured per year | 4,000 | 5,000 | 10,000 | 12,000 | 15,000 | 20,000 | 25,000 ... • This benefit is applicable only in India. ... M-iracle (Maternity) Waiting Period: 48 Months | M-iracle (Maternity) Waiting Period: 12 Months | M-iracle (Maternity) Waiting Period: 24 Months | M-iracle (Maternity) Waiting Period: 9 Months ... Antenatal check-ups ... Assisted reproduction like In vitro fertilization (IVF) ... • Treatment for infertility","sources":[{"clause":"3.10","heading":"M-iracle","page":6,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/187#c-3-10"},{"clause":"Annexure III","heading":"Product Benefit Table","page":33,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/187#c-annexure-iii"}],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"cross-checked","value":"Yes. A newborn added to the policy is covered from day 1, and the external congenital anomaly exclusion does not apply to newborns added.","display":"Covered from day 1","note":"Part of the M-iracle benefit. Vaccines are covered for the expecting mother; the documents do not list newborn vaccinations.","quote":"The New Born will be covered from Day 1 in the policy. (Excl 5.2.3 will not apply for New Born Babies added)","sources":[{"clause":"4(d)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-4-d-2"}],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","status":"not-stated","value":null,"display":null,"note":"The documents do not mention in-patient treatment for mental illness. The optional WellConsult (OPD) includes online emotional wellness sessions.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 3","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch III I","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(4)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 2(1)(s)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(1)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"}]},{"key":"health_checkup","label":"Health check-up","section":"Cover","meaning":"Free preventive check-ups and how often.","status":"cross-checked","value":"Once every policy year from day 1, cashless only, booked through the app, from a defined list of tests: up to INR 500 per INR 1 lakh Base Sum Insured, maximum INR 5,000 per insured (individual) or INR 10,000 per policy (floater).","display":"Every year from day 1, up to INR 500 per lakh (max INR 5,000 individual / 10,000 floater)","note":"All tests must be done within 7 days.","quote":"Available once every Policy Year, from day 1 of the policy. ... This benefit is available ONLY on cashless basis and no reimbursement is allowed. ... Annual Health Check-Up (Only Cashless) | For defined list of tests; up to INR 500 for every INR 1 Lac Base Sum Insured. (Individual: Maximum INR 5,000 per Insured; Family Floater: Maximum INR 10,000 per policy).","sources":[{"clause":"4(c)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-4-c"},{"clause":"Annexure III","heading":"Product Benefit Table","page":33,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/187#c-annexure-iii"}],"law":[]},{"key":"opd","label":"Out-patient (OPD) cover","section":"Cover","meaning":"Doctor consultations, tests and medicines without admission, and the limit.","status":"cross-checked","value":"Not in the base cover beyond unlimited e-consultations. The optional WellConsult (OPD) adds physical consultations INR 10,000, diagnostics INR 10,000 and pharmacy INR 2500 on the network, with 20% co-payment on reimbursement.","display":"Only with optional WellConsult (OPD); unlimited e-consultations in base","note":"WellConsult applies only in India; no dental or ophthalmic consultations, diagnostics or pharmacy. Cash-Bag savings can be used for OPD.","quote":"4.1.13. e-consultation You can take unlimited e-consultations from our Partner Network. Optional Benefit: ... WellConsult (OPD) | • Unlimited Tele Consultation; • Physical Consultation INR 10,000. 20% co-payment on reimbursement. • Diagnostics INR 10,000. 20% co-payment on reimbursement. • Pharmacy INR 2500. 20% co-payment on reimbursement.","sources":[{"clause":null,"heading":"Policy Period: 3 years","page":13,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-policy-period-3-years"},{"clause":null,"heading":"Optional Benefits","page":34,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/187#c-optional-benefits"}],"law":[]},{"key":"zone_pricing","label":"Zone or city-based premium","section":"Premium","meaning":"Whether premium or co-pay depends on the city you are treated in.","status":"cross-checked","value":"Yes. Premium depends on the residential city, with the country divided into 4 zones (Zone 1 Delhi NCR and others to Zone 4 Rest of India).","display":"Yes, 4 premium zones by residential city","note":"No zone-based co-payment is printed. The order of cost between zones is not printed; Zone 2 is Rest of Gujarat, Kolkata, Mumbai, Palghar, Raigarh (MH), Thane.","quote":"For the purpose of calculating premium, the country has been divided into the following 4 zones: i) Zone 1: Delhi NCR ... iv) Zone 4: Rest of India (Including Bengaluru and Pune) Your premium depends upon your residential city.","sources":[{"clause":"6.2.8","heading":"Zonal pricing","page":29,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-6-2-8"}],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"cross-checked","value":"Yes, at network hospitals; the insurer also offers 'Cashless Everywhere' at hospitals outside its network.","display":"Yes, at network hospitals (and Cashless Everywhere)","note":"The two sentences of the same claims section contradict each other ('network hospitals ONLY' vs 'Cashless Everywhere'). Final bill authorisation within three hours; delay costs borne by the insurer. Borderless is also available cashless.","quote":"a) Cashless claim facility is available at our network hospitals ONLY. ... • We offer Cashless Everywhere, even in hospitals which are not part of our network.","sources":[{"clause":"6.2.4(a)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-6-2-4-a"},{"clause":"6.2.4(g)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-6-2-4-g"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"not-stated","value":null,"display":null,"note":"The documents do not say whether claims are handled in-house or by a TPA; claim clauses refer only to 'we' and the Company.","quote":null,"sources":[],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"cross-checked","value":true,"display":"Yes","note":"Individual policies can cover up to 6 members (4 adults, 5 children); floater premium follows the eldest member's age.","quote":"Aspire can be issued to individual customer(s) or to a family with up to 5 children (refer to as family floater). ... In an Individual policy, maximum up to 6 members (maximum of 4 adults and a maximum of 5 children can be included in a single policy. ... For Floater plan, the age of eldest insured person will be considered for calculating the premium.","sources":[{"clause":"1.1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/187#c-1-1"},{"clause":"1.4","heading":null,"page":1,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/187#c-1-4"},{"clause":"6.2.3(a)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186#c-6-2-3-a"}],"law":[]}],"documents":[{"kind":"wording","label":"Aspire Policy Wording","pages":36,"fetched_at":"2026-10-16 07:11:42.89368+00","source_url":"https://transactions.nivabupa.com/pages/doc/policy_wording/Aspire_Policy_Wordings.pdf?v=1.8","url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/186"},{"kind":"prospectus","label":"Aspire Prospectus","pages":40,"fetched_at":"2026-10-16 07:11:42.89368+00","source_url":"https://transactions.nivabupa.com/pages/doc/prospectus/Aspire_Prospectus.pdf?v=1.8","url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/187"},{"kind":"cis","label":"Aspire","pages":14,"fetched_at":"2026-10-16 07:11:42.89368+00","source_url":"https://transactions.nivabupa.com/pages/doc/Customer-Information/Aspire-Customer-Information-Sheet.pdf","url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526/document/188"}],"versions":[],"where_to_buy":[],"claims_and_complaints":[],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Aspire (UIN NBHHLIP26049V022526), IndiaInsurances, https://indiainsurances.com/policy/niva-bupa-health-insurance/aspire-nbhhlip26049v022526"}