
Niva Bupa ReAssure 2.0 Titanium
Niva Bupa
6.8/10
OneAssure Rating
6.8/10
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 Treatment Access
We cover robotic surgeries, immunotherapy, deep brain stimulation, and more, ensuring cutting-edge medical care without additional financial burden.
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Our Verdict
ReAssure 2.0 Titanium+ is ideal for those seeking extensive coverage with no co-payment or sub-limits. Unlimited restoration and sum carry-forward provide strong financial security, though higher premiums may apply for these benefits.
About the Plan
The ReAssure 2.0 Titanium+ 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
Room Rent
All room categories are covered
ICU Charges
No restriction on ICU room rent
Disease-wise sublimits
No
Co-Payment
Not available
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
Cumulative Bonus
Your sum insured increases by 100% every year, maximum up to 1000%
Consumable Cover
No. However, available as an add-on
Initial Waiting Period
30 days
Specific Waiting Period
2 years
PED Waiting Period
3 years
Modern Treatments
Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period
Annual Health Checkup
Health check-up is available once every policy year, from day 1 of the policy
Daycare Treatment
Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured
AYUSH Treatment
Covers AYUSH treatment expenses up to your annual 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
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
Cashless Healthcare Providers
10,000+ Healthcare Providers
Coverage Options
Available coverage options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L and ₹1 Cr
Claim settlement ratio
90.1
Maternity Cover
Not available
Exclusions
Injuries from hazardous or adventure sports.
Cosmetic or plastic surgeries unless medically necessary.
Treatments related to obesity or weight control.
Conditions arising from substance abuse or self-inflicted harm.
Experimental or unproven medical treatments.
Gender transformation procedures.
Treatment for infertility or sterility.
Maternity expenses unless specified in the policy.
Injuries or illnesses due to war, terrorism, or nuclear exposure.
Non-medical expenses like hospital registration and administrative costs.
Exclusions
Safeguard+ - Increases cover with inflation, protects bonus for claims under ₹1 Lakh, and covers all excluded consumable medical items like syringes, gloves, PPE kits etc.
Safeguard - 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 Rider - Covers hospital costs for chronic conditions like blood pressure, cholesterol, and diabetes after a short 30-day wait.
Hospital Cash - It gives you a fixed daily cash benefit for every 24 hours you are hospitalized regardless of your actual hospital bill
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.
Acute Care Option - Provides specialized support and services for treatment of sudden and severe medical conditions.
Add-ons
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About the Company
Niva Bupa Health Insurance, formerly known as Max Bupa Health Insurance, is a prominent health insurance provider in India. It is a joint venture between Bupa, a UK-based healthcare services expert, and True North, an Indian private equity firm. The company offers a diverse range of health insurance plans tailored to meet the varying needs of individuals and families. Their policies are designed to provide comprehensive coverage, ensuring financial protection against unforeseen medical expenses.
One of their notable offerings is the ReAssure 2.0 Health Insurance Policy, which covers a wide array of medical expenses, including hospitalization, surgeries, doctor consultations, and post-hospitalization care. With a network of over 10,000 trusted healthcare providers across India, Niva Bupa ensures that policyholders have access to quality medical care when needed. Their commitment to customer satisfaction is evident through streamlined claim processes and wellness benefits, aiming to deliver peace of mind and financial security during medical emergencies.
In June 2024, Niva Bupa announced plans to raise $360 million through an initial public offering (IPO), potentially valuing the company at up to $2.5 billion.
This move underscores their growth trajectory and commitment to expanding their services in the Indian health insurance market.
Krishnan Ramachandran serves as the Managing Director and CEO of Niva Bupa Health Insurance Company Limited. With over 24 years of experience in the health insurance, healthcare, and life sciences industries, Mr. Ramachandran has previously held leadership positions at Apollo Munich Health Insurance Company Limited and Apollo DKV Insurance Company Ltd.