ACKO
Platinum Health Plan
- Individual and family floater Plan type
- No limits; any room of choice; no ICU day/
charge limits Room rent
Premium depends on your profile
Niva Bupa · NBHHLIP26049V022526
Niva Bupa Aspire
Niva Bupa Aspire (IRDAI UIN NBHHLIP26049V022526) is an individual and family floater health insurance plan with sum insured from 3 lakh to 1 crore (9 options).
Premiums depend on age, cover, city, health and the options you choose. Where the insurer published a premium, the figure shown is for the exact profile stated next to it; your premium will differ. Comparezi does not sell insurance or give advice: check the insurer's prospectus and policy wording, which prevail.
In short
Niva Bupa Aspire is a health insurance plan from Niva Bupa. Key specifications: plan type Individual and family floater, room rent No limit (any room); optional room type modification. Among health insurance here it fits best for longer pre- and post-hospital cover.
Premium depends on your profile
- Plan type
- Individual and family floater
- Room rent
- No limit (any room); optional room type modification
Pros
- No co-payment unless you choose one for a lower premium
- No room-rent cap
Who should buy it
- Best for Longer pre- and post-hospital cover · What matters most? (pick any) #10 of 53 health insurance for this
Full specifications
Cover
| Plan type | Individual and family floater |
|---|---|
| Sum insured options | 3 lakh, 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 1 crore |
| Highest sum insured | 100 lakh |
| Room rent | No limit (any room); optional room type modification |
| Co-payment | None mandatory; optional Tiered Network carries 20% co-payment outside the network |
Waiting periods
| Initial waiting period | 30 days |
|---|
Benefits
| Pre-hospitalisation | 60 days |
|---|---|
| Post-hospitalisation | 180 days |
| Day-care treatment | Yes |
| AYUSH treatment | Yes |
| Restore benefit | ReAssure Forever: triggers after the 1st claim; unlimited; each claim up to the Base sum insured |
| No-claim bonus | Booster+ |
| Maternity | Covered under M-iracle sum insured; waiting period 48 months (Gold+ |
| OPD | Not covered in base (unlimited e-consultation); optional WellConsult OPD wallet |
Insurer
| Health incurred claim ratio (insurer) | 61.22% |
|---|---|
| Claims figures for | FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10) |
| Network hospitals (insurer) | 19,000+ |
| IRDAI UIN | NBHHLIP26049V022526 |
About the Aspire
Niva Bupa Aspire (IRDAI UIN NBHHLIP26049V022526) is an individual and family floater health insurance plan with sum insured from 3 lakh to 1 crore (9 options). It is one of 53 health insurance plans on Comparezi, from Niva Bupa.
Information only. Comparezi does not sell insurance, does not give advice and is not paid by insurers. The policy wording issued by the insurer prevails over this summary.
Cover and limits
- Plan type: Individual and family floater
- Sum insured options: 3 lakh, 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 1 crore
- Room rent: No limit (any room); optional room type modification
- Co-payment: None mandatory; optional Tiered Network carries 20% co-payment outside the network
Waiting periods
- Initial waiting period: 30 days
Benefits
- Pre-hospitalisation: 60 days
- Post-hospitalisation: 180 days
- Day-care treatment: Covered
- AYUSH treatment: Covered
- Restore benefit: ReAssure Forever: triggers after the 1st claim; unlimited; each claim up to the Base sum insured
- No-claim bonus: Booster+: unutilised Base sum insured carries forward, up to 1X-10X by variant and entry age
- Maternity: Covered under M-iracle sum insured; waiting period 48 months (Gold+), 24 months (Diamond+), 9 months (Platinum+/Titanium+)
- OPD: Not covered in base (unlimited e-consultation); optional WellConsult OPD wallet
How it compares on Comparezi
Of the 49 health insurance plans on Comparezi with a stated post-hospitalisation period, none has a longer one and 21 have the same.
Premium
It depends on your age, cover, city and options. Niva Bupa does not publish a premium chart for this plan that Comparezi could check, so no figure is shown. Get a quote from the insurer.
About the insurer
Niva Bupa's health incurred claim ratio was 61.22% in FY 2024-25 (IRDAI Annual Report; includes personal accident). An incurred claim ratio compares claims with premiums earned; it is not the share of claims paid. Niva Bupa states a network of 19,000+ hospitals.
Similar plans from other insurers
- ACKO Platinum Health Plan (Niva Bupa Aspire vs ACKO Platinum Health Plan)
- ACKO Platinum Lite Health Plan (Niva Bupa Aspire vs ACKO Platinum Lite Health Plan)
- Aditya Birla Health Activ Fit (Niva Bupa Aspire vs Aditya Birla Health Activ Fit)
- Care Health Care Supreme (Niva Bupa Aspire vs Care Health Care Supreme)
Other health insurance plans from Niva Bupa
Sources
- Insurer document (PDF) (transactions.nivabupa.com)
- Policy wording (transactions.nivabupa.com)
- IRDAI publication (irdai.gov.in)
Checked 6 November 2026. Values the documents do not state are left out rather than estimated. See how Comparezi checks data.
Alternatives
Alternatives to the Aspire
- Individual and family floater Plan type
- No limits; any room of choice; no ICU day/
charge limits Room rent - 36 months Pre-existing disease waiting
Premium depends on your profile
Aditya Birla Health
Activ Fit
- Individual and family floater Plan type
- Any Room (SI Rs 5 lacs and above) Room rent
- 36 months Pre-existing disease waiting
Premium depends on your profile
Care Health
Care Supreme
- Individual and family floater Plan type
- Up to SI Room rent
- 36 months Pre-existing disease waiting
Sample premium
₹12,292 a year*
Similar cover
Similar health insurance plans
Niva Bupa
ReAssure 3.0
- Individual and family floater Plan type
- By variant: Classic General Room; Select Twin Sharing; Elite all rooms except Deluxe/
Suite; Black any room (co-payment if room category breached) Room rent - 36 months Pre-existing disease waiting
Premium depends on your profile
Niva Bupa
Rise
- Individual and family floater Plan type
- Up to twin sharing room without co-payment; flat 20% co-payment if above twin sharing room Room rent
- 36 months Pre-existing disease waiting
Premium depends on your profile
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Questions
Aspire FAQs
It depends on your age, cover, city and options. Niva Bupa does not publish a premium chart for this plan that Comparezi could check, so no figure is shown. Get a quote from the insurer.
NBHHLIP26049V022526. The UIN identifies the exact product version filed with IRDAI; check it on your policy documents.
Room rent as stated by the insurer: No limit (any room); optional room type modification.
Co-payment as stated by the insurer: None mandatory; optional Tiered Network carries 20% co-payment outside the network.
Maternity as stated by the insurer: Covered under M-iracle sum insured; waiting period 48 months (Gold+), 24 months (Diamond+), 9 months (Platinum+/Titanium+).
60 days before and 180 days after hospitalisation.
3 lakh, 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 1 crore.
Data sources
- Manufacturer official pages
Last updated
Product details
Disclosure
Links to insurers are not paid. Comparezi earns only from labelled ads, which never affect the Comparezi Score, the order of insurers, or the price shown, which is what the insurer listed when we checked.