Niva Bupa Health Insurance has Introduced a Health Insurance that rewards you for starting young, targeting the specific needs of millennials and Gen Z. Addressing the unique needs and aspirations of the Gen Z and millennial segment, this product has forward-thinking approach to health insurance.



Covers all expenses related to maternity including IVF treatment, surrogacy and more. It provides coverage for antenatal check-ups, gynecologist consultations and other tests, vaccines for the expecting mother, delivery charges - normal or caesarean section as well as delivery by surrogate mother. It also covers adoption charges. The maternity sum insured available to the customer is dependent on the base sum insured opted by the consumer and unutlised maternity coverage will keep on accumulating up to 10X.


Lock the Clock+(2)
Save as you age. Pay as per entry age, until you claim. M-iracle claim will not impact the AGE LOCK! The "Lock the Clock" feature allows policyholders to pay premiums based on their entry age until the first claim is paid. 


Don't lose what you don't use. "Booster+" feature, permit policyholders to carry forward unutilized base sum insured and M-iracle sum insured up to 10 times. 




Flash Pay is compatible with a wide range of devices and payment terminals, providing users with flexibility and convenience in their payment options.


Fast Forward(5)
Flash Pay is enabled with RuPay NCMC features that customer can use during their transit such as metro station and all NCMC enabled POS terminals.


Use your Flash Pay device at Fuel Station for refilling fuel and receive assured cashback up to ₹125 on your contactless transaction. Customers will be receiving the cashback within 90 days from the date of the transaction. 




Future Ready(7)
Contactless machines and devices/cards have a limited range. Your Flash Pay device needs to be within 3-4 cms from the POS Terminal/machine for completing a successful transaction.


Disclaimer: Niva Bupa Health Insurance Company Limited (formerly known as Max Bupa Health Insurance Company Limited) (IRDAI Registration No. 145). 'Bupa' and 'HEARTBEAT' logos are registered trademarks of their respective owners and are being used by Niva Bupa Health Insurance Company Limited under license. (1) M-iracle sum insured will be as per the limits defined in the policy schedule. Unutilised M-iracle sum insured will be carried forward up to a maximum of 10X as per the entry age and variant opted. (2) Part of ReAssure+ Benefit. The premium of the age you entered at, will apply until a claim is paid. The product may be repriced as per IRDAI guidelines and policy terms and conditions. (3) Unutilised Base and M-iracle Sum Insured will be carried forward up to a maximum of 10X as per the entry age and variant opted. (4) This is an optional benefit and is available on payment of an extra premium. Accumulates 10% of 1st renewal premium and 5% of every subsequent renewal premiums. (5) This is an add-on and is available on payment of an extra premium. Applicable for policies with 2 & 3 years of tenure only. (6) This is an optional benefit and is available on payment of an extra premium. Co-payment would be applicable as mentioned in your policy schedule. (7) Loadings may apply on the future spouse as per underwriting guidelines. Registered Office Address: C-98, First Floor, Lajpat Nagar, Part 1, New Delhi-110024, Customer Helpline No.: 1860-500-8888. Fax: +91 11 41743397. Website: CIN: U66000DL2008PLC182918. For more details on risk factors, terms, and conditions please read the sales brochure carefully before concluding a sale. Aspire. Product UIN: NBHHLIP24129V012324. Add-on Name: Fast Forward, UIN: NBHHLIA24126V012324. UIN: NB/SS/CA/2024-25/016.

Product Design and Eligibility

Policy Type:

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.

Entry Age:

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.


Allowed can be self, spouse, mother, father, mother-in-law, father-in-law, son, daughter, employer, employee

Lifetime Renewability:

There is no maximum cover ceasing age on renewals.

Discounts Offered

Multi Individual Discount:

10% discount on premium if 2 or more members are covered under an individual policy.

Term discount:

The default policy term for all plans is one year. Two year and three-year policy term options are also available under the product. You get 7.5% discount on the premium for second policy year + 15% discount on the premium for third policy year (If opted for)

Standing Instruction Discount:

2.5% discount on premium if standing instruction for renewal is provided and the policy is renewed using the same.

Doctor Discount:

5% discount on premium if an Insured Person is a certified Medical Practitioner.

Live Healthy:

Up to 30% Discount basis step count at renewals.

Others Health Insurance Related Product



The Federal Bank Limited is a Corporate Agent having registration number - Regn. No. CA0227.  The service provided by The Federal Bank Limited is purely an agency service and is carried out strictly on a non-risk participation basis. The Federal Bank Limited, as corporate agent does not underwrite the risk or act as an insurer. Participation by the Federal Bank’s customers in the insurance product is purely on a voluntary basis and is not linked to the availment of any other facility from the Federal Bank Limited.