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

Policy Brochure

Policy Policy Wording

Get a Quote

92.02

Claim Settlement Ratio

10000

Network Hospitals

8

Customer Rating

Policy Brochure

Policy Policy Wording

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...

Reassure 2.0 Ratings

Reassure 2.0

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

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.

Cashless Healthcare Providers

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

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.

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.

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.

Add ons

Add-Ons

Disease Management Option

Hospital Cash

Acute Care Option

Guard

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...

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.