Are pre-existing diseases covered under ReAssure 2.0 Titanium+?

Pre-existing diseases are subject to a waiting period and the insurer’s acceptance of the disclosed condition. The accompanying policy wording specifies a 36-month waiting period, but it carries an older UIN. Confirm the applicable waiting period in the current Titanium+ policy schedule before purchase.

What does the 10X Booster+ benefit mean?

Booster+ carries forward unused Base Sum Insured to subsequent policy years, up to a maximum of 10 times the Base Sum Insured for Titanium+. The applicable policy terms determine how the accumulated amount is maintained and used.

Are pre- and post-hospitalisation expenses covered?

The benefit table lists 60 days of pre-hospitalisation cover and 180 days of post-hospitalisation cover for eligible expenses, subject to the applicable policy conditions and an admissible hospitalisation claim.

Does ReAssure+ provide unlimited claim benefits?

Yes. The first paid eligible claim triggers ReAssure+. The benefit is unlimited while the policy is renewed without a break, but each claim paid under ReAssure+ is limited to the Base Sum Insured. Claims remain subject to the policy’s terms and conditions.

Can I use a cashless hospital for treatment under Titanium+?

The supplied benefit table states that Niva Bupa has more than 10,000 network hospitals. Cashless treatment is subject to the hospital being in the applicable network, pre-authorisation where required, and the claim meeting the policy terms. Check the latest network list before admission.

What sum insured options are available under Titanium+?

The supplied benefit table lists ₹5 lakh, ₹7.5 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh, ₹25 lakh, ₹50 lakh and ₹1 crore as Base Sum Insured options.

Does Titanium+ include annual health check-ups?

Yes. Annual health check-ups are available from Day 1 for defined tests, on a cashless-only basis through the insurer’s network. The listed limit is ₹500 per ₹1 lakh of Base Sum Insured, up to ₹5,000 per insured individual or ₹10,000 per family floater policy.

OneAssure

Health Insurance

Niva Bupa

Reassure 2.0 Titanium+

Niva Bupa ReAssure 2.0 Titanium

Comprehensive health insurance with unlimited ReAssure+ claims benefit and up to 10X Booster+ accumulation.

92.02%

Claim Settlement Ratio

10,000+

Network Hospitals

10/10

Plan Rating

Policy Brochure

Policy Policy wording

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Our Verdict

Expert Review: Niva Bupa Reassure 2.0 Titanium+

Final Verdict

ReAssure 2.0 Titanium+ stands out for its 10X Booster+ accumulation and ReAssure+ benefit, which can provide unlimited additional claim capacity after the first eligible paid claim. It also includes annual health check-ups, hospitalisation-related benefits and unlimited network e-consultations. However, buyers should not evaluate the plan on these features alone. Deductibles, room eligibility, co-payment provisions, exclusions and treatment-specific limits can affect how much the insurer ultimately pays. Since the supplied benefit table and policy wording carry different UINs, confirm the current Titanium+ policy documents before finalising or publishing this entry.

About

What Is Reassure 2.0 Titanium+?

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.

Titanium+ Ratings

Titanium+

Insurer Rating

7.1

out of 10

Insurance Rating

10

out of 10

No Room Rent Limit

Yes

Consumables Covered

Yes

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

Niva Bupa Reassure 2.0 Titanium+ Inclusions and Exclusions

Room Rent

All room categories are covered

Modern Treatment

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Co-payment

Not available

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

ICU Charges

No restriction on ICU room rent

Disease-wise sublimits

No

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

Consumable Cover

No. However, available as an add-on

Initial Waiting Period

30 days

Specific Waiting Period

2 years

PED Waiting Period

3 years

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

Coverage Options

Available coverage options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L and ₹1 Cr

Claim Settlement Ratio

92.02%

Maternity Cover

Not available

Pre-Hospitalisation

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

Deductible Option

Available as an option

Cumulative Bonus

Your sum insured increases by 100% every year, maximum up to 1000%

Cashless Healthcare Providers

10,000+ Healthcare Providers

Annual Health Checkup

Health check-up is available once every policy year, from day 1 of the policy

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.

Add ons

Reassure 2.0 Titanium+ Add-Ons and Riders

Disease Management Option

Hospital Cash

Acute Care Option

Personal Accident Option

Guard

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About the company

About Niva Bupa

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.

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.