Niva Bupa ReAssure 2.0 Bronze
92.02
Claim Settlement Ratio
10000
Network Hospitals
7.4
Customer Rating
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92.02
Claim Settlement Ratio
10000
Network Hospitals
7.4
Customer Rating
Our Verdict
Expert Review: Niva Bupa Health Insurance
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Final Verdict
About
About Niva Bupa Health Insurance
Inclusions and Exclusions
Inclusions and Exclusions of Niva Bupa Insurance Company Limited
Co-payment
Not available
Daycare Treatment
Daycare Treatment covers medical procedures that require less than 24 hours of hospitalisation due to advanced technology
AYUSH Treatment
Covers AYUSH treatment expenses up to your annual sum insured during the policy period
ICU Charges
No restriction on ICU room rent
Disease-wise sublimits
No
Cumulative Bonus
Your sum insured increases by 100% every year, maximum up to 300%
Initial Waiting Period
30 days
Specific Waiting Period
2 years
PED Waiting Period
3 years
Annual Health Checkup
Health check-up is available once every policy year, from day 1 of the policy
Pre-Hospitalisation
You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved
Post-Hospitalisation
You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it
Outpatient Department Cover (OPD Expense)
OPD expense is not included
Deductible Option
Available as an option
Claim Settlement Ratio
92.02%
Maternity Cover
Not available
Room Rent
All room categories are covered
Modern Treatment
Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period
Cashless Healthcare Providers
10,000+ Healthcare Providers
Restoration Benefit
Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses
Consumable Cover
No. However, available as an add-on
Coverage Options
Available coverage options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L and ₹1 Cr
Co-payment
Not available
Daycare Treatment
Daycare Treatment covers medical procedures that require less than 24 hours of hospitalisation due to advanced technology
AYUSH Treatment
Covers AYUSH treatment expenses up to your annual sum insured during the policy period
Exclusions
Diagnostic tests not leading to treatment.
Rest cures, rehabilitation, and respite care.
Obesity or weight control treatments.
Procedures for gender transformation.
Cosmetic or plastic surgeries.
Injuries from hazardous or adventure sports.
Treatment for conditions arising from unlawful acts.
Substance abuse-related treatments.
Add ons
Add-Ons
Disease Management Option
Hospital Cash
Acute Care Option
Personal Accident Option
Insurance Premium Calculator
Insurance Premium Calculator
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About the company
About the company
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