How does the waiting period affect my coverage?

The Niva Bupa ReAssure policy imposes a 36-month waiting period for pre-existing diseases and a 24-month waiting period for specific treatments. Coverage for these conditions begins after the respective periods.

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

With the ReAssure policy, if no claims are made during a policy year, a Booster+ benefit increases your base sum insured by 50% annually, up to 100%.

Will my health insurance cover treatment abroad?

The ReAssure policy does not provide coverage for treatments received outside India.

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Health Insurance

Niva Bupa

Reassure

Niva Bupa ReAssure Plan

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

7.6

Customer Rating

Brochure

Policy Wording

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92.02%

Claim Settlement Ratio

10000+

Network Hospitals

7.6

Customer Rating

Brochure

Policy Wording

Our Verdict

Expert Review: Niva Bupa Health Insurance

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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

About Niva Bupa Health Insurance

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.

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...

Inclusions and Exclusions

Inclusions and Exclusions of Niva Bupa Insurance Company Limited

Advanced Treatments

Robotic Surgeries Uterine Artery Embolization and HIFU (High intensity focused ultrasound) Balloon Sinuplasty  Deep Brain stimulation Oral chemotherapy Immunotherapy- Monoclonal Antibody to be given as injection Intra vitreal injections Stereotactic radio surgeries BronchicalThermoplasty

Waiting Period

Initial Waiting Periods- 30 DaysSpecific Treatments -24 MonthsPre-Existing Diseases- 36 Months

AYUSH Treatment

Covers treatments under Ayurveda, Unani, Siddha, and Homeopathy systems.

Daycare Treatment

The Day Care Treatment would be covered if the Insured Person is admitted for more than 2 hours and would also cover treatment taken for Angiography, Dialysis, Radiotherapy or Chemotherapy for cancer.

Room Rent

Normal: No Limit ICU: No Limit

Cashless Healthcare Providers

10,000+ Healthcare Providers

Advanced Treatments

Robotic Surgeries Uterine Artery Embolization and HIFU (High intensity focused ultrasound) Balloon Sinuplasty  Deep Brain stimulation Oral chemotherapy Immunotherapy- Monoclonal Antibody to be given as injection Intra vitreal injections Stereotactic radio surgeries BronchicalThermoplasty

Waiting Period

Initial Waiting Periods- 30 DaysSpecific Treatments -24 MonthsPre-Existing Diseases- 36 Months

AYUSH Treatment

Covers treatments under Ayurveda, Unani, Siddha, and Homeopathy systems.

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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.
Treatment of conditions present from birth, unless specified otherwise.
Routine dental procedures unless necessitated by an accident.

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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...