Niva Bupa ReAssure 2.0 Platinum
Niva Bupa
7.0/10
OneAssure Rating
7.0/10
OneAssure Rating
Highlighted Features
Unlimited Room Rent
No cap on room rent for both normal and ICU stays, allowing policyholders to choose hospital rooms freely without financial concerns.
Advanced Treatments Coverage
The plan covers modern medical procedures like robotic surgeries, stereotactic radiosurgery, immunotherapy, deep brain stimulation, and more, ensuring access to cutting-edge healthcare without additional financial burden.
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Policy Wording
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Our Verdict
ReAssure 2.0 Platinum+ suits those seeking high, unrestricted coverage with unlimited restoration and sum carry-forward. No co-payment or sub-limits ensures comprehensive care, though premiums may be higher for extensive benefits.
About the Plan
The ReAssure 2.0 Platinum+ Plan by Niva Bupa offers ₹5 lakh to ₹1 crore coverage with no co-payment and no disease-wise sub-limits. It features Unlimited Restoration, Booster+ Benefit (carrying forward unused sum insured), and No Room Rent Restrictions. Covers domiciliary hospitalization, pre/post-hospitalization, AYUSH treatments, and includes annual health check-ups from day one, second medical opinion, and unlimited e-consultations. Optional add-ons like Hospital Cash and Personal Accident Cover enhance financial protection, ensuring comprehensive healthcare security.
About the Plan
Product Stats
Rating
Features of the Product
Claim Settlement Ratio
92.02%
Cashless Healthcare Providers
10,000+ Healthcare Providers
AYUSH Treatment
Covers AYUSH treatment expenses up to your annual sum insured during the policy period
ICU Charges
No restriction on ICU room rent
Disease-wise sublimits
No
Cumulative Bonus
Your sum insured increases by 100% every year, maximum up to 500%
Consumable Cover
No. However, available as an add-on
Initial Waiting Period
30 days
Specific Waiting Period
2 years
PED Waiting Period
3 years
Annual Health Checkup
Health check-up is available once every policy year, from day 1 of the policy
Restoration Benefit
Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses
Post-Hospitalisation
You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it
Outpatient Department Cover (OPD Expense)
OPD expense is not included
Deductible Option
Available as an option
Coverage Options
Available coverage options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L and ₹1 Cr
Maternity Cover
Not available
Modern Treatment
Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period
Pre-Hospitalisation
You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved
Room Rent
All room categories are covered
Co-payment
Not available
Daycare Treatment
Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured
Exclusions
Injuries or illnesses resulting from terrorism, nuclear or radiological emissions, war-like situations, or rebellion.
Expenses related to screening, counseling, or treatment of external birth defects.
Use of a ventilator for patients in a vegetative state without prospects of recovery.
Diagnostic tests not leading to treatment.
Rest cures, rehabilitation, and respite care.
Obesity or weight control treatments.
Procedures for gender transformation.
Cosmetic or plastic surgeries.
Injuries from hazardous or adventure sports.
Treatment for conditions arising from unlawful acts.
Substance abuse-related treatments.
Unproven or experimental treatments.
Maternity expenses, unless specified.
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
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