Niva Bupa ReAssure 2.0 Platinum
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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
Claim Settlement Ratio
92.02%
Cashless Healthcare Providers
10,000+ Healthcare Providers
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 500%
Consumable Cover
No. However, available as an add-on
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
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
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
Coverage Options
Available coverage options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L and ₹1 Cr
Maternity Cover
Not available
Modern Treatment
Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period
Pre-Hospitalisation
You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved
Room Rent
All room categories are covered
Co-payment
Not available
Daycare Treatment
Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured
Claim Settlement Ratio
92.02%
Cashless Healthcare Providers
10,000+ Healthcare Providers
AYUSH Treatment
Covers AYUSH treatment expenses up to your annual sum insured during the policy period
Exclusions
Injuries or illnesses resulting from terrorism, nuclear or radiological emissions, war-like situations, or rebellion.
Expenses related to screening, counseling, or treatment of external birth defects.
Use of a ventilator for patients in a vegetative state without prospects of recovery.
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.
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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