**Niva Bupa Aspire**

Comprehensive Coverage:

• In-Patient Hospitalization: Covers expenses related to in-patient care, including room rent, ICU charges, doctor’s fees, and nursing costs.
• Daycare Treatments: Covers medical procedures that do not require a 24-hour hospital stay, such as cataract surgery or chemotherapy.
• Pre and Post-Hospitalization: Expenses incurred before and after hospitalization are covered for a specified number of days (e.g., 30 days before and 60 days after hospitalization).

No Room Rent Capping:

• Freedom of Choice: There is no cap on room rent, allowing policyholders to choose any room type during hospitalization without worrying about additional charges.

Annual Health Check-ups:

• Preventive Care: Offers free annual health check-ups for policyholders to monitor their health and detect any potential issues early.

Maternity and Newborn Coverage:

• Maternity Benefits: Covers maternity expenses, including delivery and pre/postnatal care.
• Newborn Baby Coverage: Covers newborn expenses, including vaccinations, from day one of birth under the maternity benefits section.

Loyalty Additions:

• Increase in Sum Insured: Provides an increase in the sum insured as a reward for claim-free years, enhancing coverage over time.

Alternative Treatment (AYUSH):

• Holistic Coverage: Covers alternative treatments such as Ayurveda, Yoga, Unani, Siddha, and Homeopathy under the AYUSH category.

No Age Restriction:

• Lifetime Renewal: The policy can be renewed for life, and there is no upper age limit for purchasing the policy.

Family Floater Option:

• Shared Coverage: The policy offers a family floater option, allowing multiple family members to be covered under a single sum insured, making it cost-effective.

International Coverage:

• Global Healthcare: Covers specified treatments abroad, providing international coverage for certain medical conditions.

Cashless Treatment:

• Network Hospitals: Provides cashless treatment across a wide network of hospitals, reducing the hassle of out-of-pocket payments during emergencies.

Free Second Medical Opinion:

• Expert Consultation: Offers a free second medical opinion from a panel of expert doctors, ensuring informed decision-making for critical treatments.

Mental Health Coverage:

• Psychiatric Support: Covers mental health treatments, recognizing the importance of mental well-being alongside physical health.

Health Coach Services:

• Wellness Guidance: Provides access to health coaches who can offer guidance on fitness, nutrition, and lifestyle, promoting overall well-being.

Digital Healthcare:

• Teleconsultation: Includes the option for teleconsultations, allowing policyholders to consult doctors remotely via phone or video calls.

Tax Benefits:

• Section 80D Deduction: Premiums paid for the policy are eligible for tax deductions under Section 80D of the Income Tax Act.