Niva Bupa ReAssure 2.0
Niva Bupa
8.0/10
OneAssure Rating
8.0/10
OneAssure Rating
Highlighted Features
Unlimited Room Rent & ICU Coverage
Covers hospital room and ICU expenses up to the sum insured, ensuring complete hospitalization flexibility.
Day Care Treatments Coverage
Covers procedures requiring hospitalization under 24 hours, like cataract surgery and chemotherapy, ensuring comprehensive treatment coverage.
Brochure
Policy Wording
Explore more features
Our 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.
About the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
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.
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.
Hospitalization primarily for rest, rehabilitation, or diagnostic purposes without active treatment.
Exclusions
Hospital Cash - It gives you a fixed daily cash benefit for every 24 hours you are hospitalized regardless of your actual hospital bill. Hospital cash
Acute Care Option - Provides specialized support and services for treatment of sudden and severe medical conditions.
Personal Accident Option - Personal Accident Addon provides personal accident coverage to the primary insured adult. It offers a lump-sum pay-out in case of accidental death or permanent total disability as per the policy terms.
Guard - Increases cover with inflation, protects bonus for claims under ₹50,000, and covers some of the excluded consumable items like syringes, gloves, PPE kits etc.
Disease Management Option - Covers hospital costs for chronic conditions like blood pressure, cholesterol, and diabetes after a short 30-day wait.
Add-ons
Related Variants
Looking for a Specific Hospital ?
Why OneAssure?
We help you maximize your coverage over time for stronger protection.
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 strong financial performance and market confidence.
About the Company
Still Confused ?
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.
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.
Related Blogs
Family Floater Plans: A Quick Overview
How Does Life Insurance Work? Everything You Need to Know Before Buying
Discover how life insurance works in India, including key terms, premium payments, and what happens on claim settlement.
What Is Insurable Interest in Life Insurance and Why Is It Important?
Learn what insurable interest is in life insurance, why it is important, and look at examples of insurable interest. See how it impacts the policies and claims.
Insurance in 2026: Great for Your Wallet, But What’s Still Missing?
The Union Budget 2026 was just presented by the Finance Minister, and for the first time in years, the "boring" world of insurance has some of the most exciting updates for young earners.
Term Insurance Medical Test Fail: Common Mistakes You Should Avoid
What Happens If You Fail a Term Insurance Medical Test? Understanding the Reasons, Next Steps, and How to Improve Your Eligibility
ICICI Elevate vs Care Supreme: Which Health Plan Offers Better Coverage in 2025?
Explore ICICI Elevate vs Care Supreme to find the best health insurance in 2025.
Understanding the Critical Illness List in Insurance Policies
Explore the critical illness list in insurance, key coverage details, and how it helps safeguard your finances against major health risks.
Understanding Mahatma Jyotiba Phule Jan Arogya Yojana: A Comprehensive Guide
Mahatma Jyotiba Phule Jan Arogya Yojana: Eligibility, Enrollment Process & Key Healthcare Benefits
Factors to consider when buying critical illness insurance
Explore the importance of critical illness insurance, how it works, what it covers, and key factors to consider before buying a policy for financial protection.
Top Senior Citizen Health Insurance Schemes by Government of India
Explore government-backed senior citizen health insurance schemes in India, offering cashless hospitalization, financial security, and comprehensive medical coverage.
How to Surrender Your HDFC Life Policy Online and Claim Your Surrender Value?
Learn how to surrender HDFC Life policy online and claim your surrender value in India.
Benefits of Having a Death Insurance Policy
Explore the potential benefits of opting for a death insurance policy in India in 2025.
Pre-Existing Disease in Health Insurance: All You Need to Know Before Buying
.png)
Tips To Choose The Best Health Insurance Plan
Making Health Insurance Affordable: Is EMI Really the Best Way?
In India, we’ve mastered the art of the EMI. From the latest iPhone to that fancy fridge, if it has a price tag, it probably has an "Easy Monthly Installment" plan. So, it was only a matter of time before the insurance world caught up.
How India’s Budget 2026 Could Shape the Future of Insurance - A Young Earner’s Guide.
Let’s break down what the latest Union Budget means for you - not just as a citizen, but as someone earning, planning finances, and thinking seriously about securing your future with insurance.
