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.

How does the "Booster+" benefit safeguard my unutilized coverage when transitioning into a new policy term?

The Booster+ feature tracks your unutilized base cover at the end of each policy year and seamlessly carries it forward into the subsequent term, allowing your available coverage to compound over consecutive years up to a maximum limit of 10 times your original sum insured.

How does the "ReAssure+" feature handle the reinstatement of my coverage pool during a policy year?

The policy incorporates an automatic reinstatement benefit that instantly restores 100% of your sum insured unlimited times within a single policy year, activating immediately from the very first claim to secure both related and unrelated subsequent illnesses.

OneAssure

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

Policy Brochure

Policy Policy Wording

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92.02

Claim Settlement Ratio

10000

Network Hospitals

7.6

Customer Rating

Policy Brochure

Policy Policy Wording

Our Verdict

Expert Review: Niva Bupa Health Insurance

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...

Reassure Ratings

Reassure

Insurer Rating

5.28

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

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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

Cashless Healthcare Providers

10,000+ Healthcare Providers

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

Waiting Period

Initial Waiting Periods- 30 Days
Specific Treatments -24 Months
Pre-Existing Diseases- 36 Months

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 Days
Specific Treatments -24 Months
Pre-Existing Diseases- 36 Months

AYUSH Treatment

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

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.

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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...

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...