How does the waiting period affect my coverage?

ReAssure 2.0 has a 30-day initial waiting period, 24 months for specific diseases, and 36 months for pre-existing conditions.

What happens if I don’t use my health insurance benefits for the entire year?

ReAssure 2.0 offers a no-claim bonus, increasing the sum insured by 50% annually, up to 100%.

Will my health insurance cover treatment abroad?

ReAssure 2.0 does not provide global coverage; treatments are covered within India as per policy terms.

OneAssure

Health Insurance

Niva Bupa

Reassure 2.0

Niva Bupa ReAssure 2.0

Experience India's most trusted health insurance with Niva Bupa Health Insurance. Get instant cashless treatment at 10000 network hospitals with sum insured up to ₹50 lakhs.

92.02

Claim Settlement Ratio

10000

Network Hospitals

8

Customer Rating

Get a Quote

92.02

Claim Settlement Ratio

10000

Network Hospitals

8

Customer Rating

Our Verdict

Expert Review: Niva Bupa Health Insurance

Final Verdict

Niva Bupa Reassure 2.0 provides coverage with good inbuilt features. 100% carry-over of unclaimed amount every year on renewal and no capping on room rent category are some of the attractive features. A standout feature is Lock the Clock, available in the Platinum and Titanium variants, where the premium does not increase with age until a claim is made. This is particularly beneficial for individuals starting their careers, as the policy can serve as a long-term safety net for future healthcare needs.However, it is important not to base judgment solely on these features. Niva Bupa's claim servicing, especially for reimbursement claims, has been reported as less smooth compared to other insurers, with a high number of complaints regarding the process.

Niva Bupa Reassure 2.0 provides coverage with good inbuilt features. 100% carry-over of unclaimed amount every year on renewal and no capping on room rent category are some of the attractive features. A standout feature is Lock the Clock, available in the Platinum and Titanium variants, where the premium does not increase with age until a claim is made. This is particularly beneficial for individuals starting their careers, as the policy can serve as a...

About

About Niva Bupa Health Insurance

Niva Bupa's ReAssure 2.0 health insurance plan offers comprehensive coverage with innovative features. It provides unlimited sum insured reinstatements, ensuring continuous protection even after multiple claims. The 'Booster+' benefit allows policyholders to carry forward unused base sum insured to the next policy year, potentially increasing coverage up to 10 times. Additionally, the 'Lock the Clock' feature enables premiums to remain based on the entry age until a claim is made. This plan also offers premium discounts of up to 30% on renewal based on health points earned.

Niva Bupa's ReAssure 2.0 health insurance plan offers comprehensive coverage with innovative features. It provides unlimited sum insured reinstatements, ensuring continuous protection even after multiple claims. The 'Booster+' benefit allows policyholders to carry forward unused base sum insured to the next policy year, potentially increasing coverage up to 10 times. Additionally, the 'Lock the Clock' feature enables premiums to remain based on the entry age until a claim is made. This plan also offers premium...

Inclusions and Exclusions

Inclusions and Exclusions of Niva Bupa Insurance Company Limited

Room Rent

Normal: Covered Up to Sum Insured
ICU: Covered Up to Sum Insured

Advanced Treatments

Robotic surgeries
Stem cell therapy
Oral chemotherapy
Deep brain stimulation
Bronchial thermoplasty
Intraoperative neuro monitoring (IONM)

Co-payment

The policy does not mandate a co-payment, meaning the insurer covers the full admissible claim amount without requiring the insured to pay a portion.

Waiting Period

Initial Waiting Period: 30 days from policy inception for all illnesses, except accidents.
Specific Diseases: A 24-month waiting period applies to certain specified conditions.
Pre-existing Conditions: Coverage for pre-existing diseases begins after a 36-month waiting period.

Cashless Healthcare Providers

Access to over 10,000 network hospitals and clinics for cashless treatments, ensuring convenient and hassle-free medical care.

Daycare Treatment

Covers medical procedures that require less than 24-hour hospitalization, such as cataract surgery and chemotherapy, accommodating treatments that don't necessitate extended hospital stays.

AYUSH Treatment

Expenses for alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered when availed at government-recognized institutions, promoting holistic healthcare options.

Room Rent

Normal: Covered Up to Sum Insured
ICU: Covered Up to Sum Insured

Advanced Treatments

Robotic surgeries
Stem cell therapy
Oral chemotherapy
Deep brain stimulation
Bronchial thermoplasty
Intraoperative neuro monitoring (IONM)

Co-payment

The policy does not mandate a co-payment, meaning the insurer covers the full admissible claim amount without requiring the insured to pay a portion.

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Exclusions

Treatment for alcohol or drug abuse, self-inflicted injuries, or suicide attempts.
Injuries or illnesses arising from participation in hazardous activities or adventure sports.
Cosmetic or plastic surgery unless required due to accident, burns, or medically necessary procedures.
Treatment for infertility, sterility, or assisted reproductive procedures like IVF.
Pre-existing diseases within the waiting period specified in the policy terms.
Expenses related to weight control treatments, obesity surgery, or dietary supplements.
OPD consultations, dental treatment, and hearing aids unless specifically covered under the policy.
Treatment for congenital diseases, genetic disorders, or developmental conditions.

Add ons

Add-Ons

Disease Management Option

Hospital Cash

Acute Care Option

Personal Accident Option

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About the company

Niva Bupa Health Insurance Company Ltd. (formerly Max Bupa) is a standalone health insurer in India, formed through a joint venture between the UK-based Bupa Group and Indian private equity firm True North. Established in 2008, the company offers a comprehensive range of health insurance products for individuals, families, and senior citizens, designed to make quality healthcare more accessible and affordable. The company operates with a nationwide network of over 10,000 hospitals and provides coverage across hospitalization, surgeries, consultations, and post-hospital care. Under the leadership of Managing Director and CEO Krishnan Ramachandran, Niva Bupa has expanded its presence and strengthened its digital and service capabilities to enhance the customer experience. Listed on both the BSE and NSE after its November 2024 IPO, Niva Bupa reflects...

Niva Bupa Health Insurance Company Ltd. (formerly Max Bupa) is a standalone health insurer in India, formed through a joint venture between the UK-based Bupa Group and Indian private equity firm True North. Established in 2008, the company offers a comprehensive range of health insurance products for individuals, families, and senior citizens, designed to make quality healthcare more accessible and affordable. The company operates with a nationwide network of over 10,000 hospitals and provides coverage...

FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.