NIVA
Aspire Titanium
Niva Bupa
Modern health insurance with mental health cover
Sum Insured₹5 Lakhs - ₹3 Crores
PremiumStarting ₹7,800/year
Claim Ratio90%
About Aspire Titanium
Niva Bupa Aspire Titanium offers 100% sum insured restoration, modern treatment cover including robotic surgery, and mental illness cover from day one.
Key Features
100% sum insured restoration
Modern treatment cover (robotic surgery)
Mental illness cover from day 1
AYUSH treatment covered
No room rent capping
Annual health check-up
Global cover (optional)
Maternity and newborn cover
Eligibility
AgeEntry: 18-65 years, Renewal: Lifelong
Sum Insured₹5 Lakhs to ₹3 Crores
Medical TestMay be required for higher ages
Waiting Period30 days initial, 3 years pre-existing
What's Covered
In-patient hospitalization
Day care procedures
Pre and post hospitalization
Mental illness treatment
Modern treatments
Alternative medicine (AYUSH)
Exclusions
- Pre-existing (3 year wait)
- Cosmetic procedures
- Experimental treatments
- Self-inflicted injuries
Pros & Cons
Advantages
- Mental health covered from day 1
- Modern treatment coverage
- Competitive premium
- No co-payment
- Good claim ratio
Disadvantages
- Newer company compared to others
- Network could be smaller in some cities
Frequently Asked Questions
Aspire Titanium
(4.6)
- Sum Insured₹5 Lakhs - ₹3 Crores
- PremiumStarting ₹7,800/year
- Claim Ratio90%
- TypeHealth Insurance
IRDAI registered insurer
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Disclaimer: Insurance is subject to terms and conditions. Premium shown is indicative and may vary based on your age, health, and coverage chosen. Please read policy documents carefully before purchasing.