Niva Bupa ReAssure 2.0 Titanium
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Expert Review: Niva Bupa Health Insurance
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About
About Niva Bupa Health Insurance
Inclusions and Exclusions
Inclusions and Exclusions of Niva Bupa Insurance Company Limited
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
Co-payment
Not available
Daycare Treatment
Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured
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
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
Initial Waiting Period
30 days
Specific Waiting Period
2 years
PED Waiting Period
3 years
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
Coverage Options
Available coverage options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L and ₹1 Cr
Maternity Cover
Not available
Claim Settlement Ratio
92.02%
Pre-Hospitalisation
You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved
Deductible Option
Available as an option
Cumulative Bonus
Your sum insured increases by 100% every year, maximum up to 1000%
Cashless Healthcare Providers
10,000+ Healthcare Providers
Annual Health Checkup
Health check-up is available once every policy year, from day 1 of the policy
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
Co-payment
Not available
Exclusions
Injuries from hazardous or adventure sports.
Cosmetic or plastic surgeries unless medically necessary.
Treatments related to obesity or weight control.
Conditions arising from substance abuse or self-inflicted harm.
Experimental or unproven medical treatments.
Gender transformation procedures.
Treatment for infertility or sterility.
Maternity expenses unless specified in the policy.
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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