Who can buy Niva Bupa ReAssure?

The documented entry-age range is 91 days to 99 years. Adults must be at least 18 years old. Dependent children can be covered up to 30 years under a Family Floater, subject to policy conditions. There is no maximum renewal age.

What family combinations are allowed under a Family Floater?

The plan allows combinations ranging from one adult and one child to two adults and four children. Eligible adults can include self, spouse, parents or parents-in-law, subject to the policy wording.

How does the ReAssure benefit work?

The benefit starts with the first paid claim and is available for subsequent claims in that policy year, without a fixed limit on the number of reinstatements. Each claim under the benefit is limited to Base Sum Insured and can relate to any illness or insured member, subject to policy terms.

What are Loyalty Additions?

At each policy anniversary, Loyalty Additions add 50% of the previous year's Base Sum Insured, up to a maximum of 100% of Base Sum Insured.

Is room rent capped under ReAssure?

No. The plan does not impose room rent capping, subject to the policy terms.

Are robotic surgeries fully covered?

Most robotic surgeries have a ₹1 lakh limit. Robotic radical prostatectomy, cardiac, partial nephrectomy and cancer surgeries are listed as exceptions. The optional Modern Treatment+ add-on removes the ₹1 lakh limit.

What is the pre-existing disease waiting period?

The waiting period is 36 months of continuous coverage. Declared pre-existing diseases are covered after the waiting period if accepted at proposal, subject to policy terms.

Is there a separate waiting period for listed conditions?

Yes. A 24-month waiting period applies to listed conditions and procedures, subject to policy terms. The specific waiting period does not apply to accidents.

Is there any co-payment under ReAssure?

There is no co-payment under the base plan. If you choose the optional Tiered Network add-on, a 20% co-payment applies when treatment is taken at a non-tiered network hospital.

What ambulance benefits are available?

Road ambulance expenses are covered up to ₹2,000 per hospitalisation. Air ambulance reimbursement is capped at ₹2.5 lakh, subject to policy conditions.

Does ReAssure cover maternity or OPD expenses?

No. Maternity expenses and OPD treatment are excluded under the base plan.

Can I get a renewal discount?

Yes. The Live Healthy programme offers a renewal discount of up to 30%, based on steps tracked through the Niva Bupa app and the programme's applicable terms.

OneAssure

Health Insurance

Niva Bupa

Reassure

Niva Bupa ReAssure Plan

Niva Bupa ReAssure Plan No room rent cap, cover that refills from your first paid claim, and Loyalty Additions that can double your Base Sum Insured.

92.02%

Claim Settlement Ratio

10,000+

Network Hospitals

8/10

Plan Rating

Policy Brochure

Policy Policy Wording

Get a Quote

Our Verdict

Expert Review: Niva Bupa Reassure

Final Verdict

Niva Bupa ReAssure is ideal for individuals and families seeking high coverage with unlimited reinstatement and carry-forward benefits. While premiums may be high, its inflation protection and add-ons ensure long-term security.

About

What Is Reassure?

The Niva Bupa ReAssure Health Insurance Plan offers comprehensive coverage for individuals and families, including in-patient care with no room rent cap, pre/post-hospitalization, daycare, domiciliary, organ transplants, AYUSH treatments, and ambulance services. Key benefits include ReAssure+ (unlimited sum reinstatement), Booster+ (coverage carry-forward up to 10x), and Live Healthy (30% renewal discount). Optional add-ons cover disease management and inflation protection. The policy offers ₹3 lakh to ₹1 crore sum insured, available for 1-3 years, covering up to six family members.

Reassure Ratings

Reassure

Insurer Rating

7.1

out of 10

Insurance Rating

8

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

Yes

Unlimited Restoration

Yes

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

Yes

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

swipe

Inclusions and Exclusions

Niva Bupa Reassure Inclusions and Exclusions

Pre-Hospitalisation

Covered for up to 60 days, up to Sum Insured, on a reimbursement basis.

Modern Treatment

Covered up to Sum Insured. Most robotic surgeries have a ₹1 lakh limit, except robotic radical prostatectomy, cardiac, partial nephrectomy and cancer surgeries. The optional Modern Treatment+ add-on removes the ₹1 lakh limit.

ICU Charges

Covered up to Sum Insured under inpatient care, with no separate ICU cap.

Cumulative Bonus

Loyalty Additions add 50% of the previous year's Base Sum Insured at each policy anniversary, up to 100% of Base SI

Consumable Cover

Not covered in the base plan. Optional Safeguard covers List I non-payable items, while Safeguard+ covers Lists I to IV.

Initial Waiting Period

30 days for illnesses. Accidents are covered from day one.

Specific Waiting Period

24 months for listed conditions and procedures, subject to policy terms. This waiting period does not apply to accidents. Cancer is covered after the applicable 30-day initial waiting period.

PED Waiting Period

36 months of continuous coverage for declared pre-existing diseases, subject to policy terms.

Annual Health Checkup

Available from day one, once per policy year. Benefit value is ₹500 per ₹1 lakh of Sum Insured, up to ₹5,000 per insured individual or ₹10,000 per Family Floater policy. Cashless only.

Post-Hospitalisation

Covered for up to 180 days, up to Sum Insured, on a reimbursement basis.

Outpatient Department Cover (OPD Expense)

OPD treatment is not covered under the base plan.

Deductible Option

No deductible option is listed in the base product benefit table.

Coverage Options

Base Sum Insured options are ₹3 lakh, ₹4 lakh, ₹5 lakh, ₹7.5 lakh, ₹10 lakh, ₹12.5 lakh, ₹15 lakh, ₹20 lakh, ₹25 lakh, ₹50 lakh, ₹75 lakh and ₹1 crore. Available on Individual or Family Floater basis, covering up to 2 adults and 4 children.

Maternity Cover

Maternity expenses are excluded under the base plan.

AYUSH Treatment

Eligible inpatient treatment under Ayurveda, Unani, Siddha and Homeopathy at an AYUSH hospital is covered up to Sum Insured. Yoga is not covered.

Co-payment

No co-payment under the base plan. The optional Tiered Network add-on offers a 15% premium discount and applies a 20% co-payment when treatment is taken at a non-tiered network hospital.

Claim Settlement Ratio

96.8% of claims settled by number in FY 2025-26 for the ReAssure product line, which includes ReAssure, ReAssure 2.0 and ReAssure 3.0 UINs in the insurer's disclosure. Company-level figure reported in the annual report: 94.4%.

Room Rent

No room rent capping. Eligible inpatient room categories are covered subject to policy terms.

Cashless Healthcare Providers

Cashless treatment is available at Niva Bupa network providers, subject to network participation and pre-authorisation. Niva Bupa has reported a company-wide network of 10,000+ hospitals.

Daycare Treatment

Eligible day-care treatment is covered up to Sum Insured. The policy wording specifies admission exceeding 2 hours and includes procedures such as angiography, dialysis, radiotherapy and chemotherapy for cancer.

Disease-wise sublimits

No general disease-wise sublimits. Most robotic surgeries have a ₹1 lakh limit, with listed exceptions. Road ambulance is limited to ₹2,000 per hospitalisation, and air ambulance reimbursement is capped at ₹2.5 lakh.

Restoration Benefit

The ReAssure benefit provides unlimited reinstatement within the policy year, triggered from the first paid claim. It is available for subsequent claims for any illness and any insured member. Each claim under the benefit is limited to Base Sum Insured

Exclusions

Expenses related to weight management or obesity treatments.
Procedures associated with gender transition.
Surgeries aimed at enhancing appearance without medical necessity.
Injuries resulting from participation in dangerous sports or activities.
Medical expenses arising from substance misuse or addiction.

Insurance Premium Calculator

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Name

Phone Number

Email

Your Enquiry

Name

Phone Number

Email

Your Enquiry

About the company

About Niva Bupa

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 strong financial performance and market confidence.

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.