How does the waiting period affect my coverage?

The Niva Bupa ReAssure 2.0 Titanium+ policy imposes a 30-day initial waiting period, a 24-month waiting period for specific treatments, and a 36-month waiting period for pre-existing diseases.

What happens if I don’t use my health insurance benefits for the entire year?

This policy offers a Booster+ benefit, allowing unutilized base sum insured to carry forward to the next policy year, enhancing future coverage.

Will my health insurance cover treatment abroad?

The Niva Bupa ReAssure 2.0 Titanium+ policy does not provide coverage for treatments outside India.

Are there any add-ons available with Niva Bupa ReAssure 2.0 Titanium Plus?

Yes, optional add-ons like Hospital Cash and Personal Accident Cover are available to enhance financial protection, ensuring comprehensive healthcare security.

What is the "Lock the Clock" feature under the ReAssure 2.0 Titanium+ plan, and how does it affect my premium?

Lock the Clock is a highly innovative feature that freezes your entry age for premium calculation from the time you purchase the policy, meaning your renewal premium will not increase due to age transitions until you file your very first paid hospitalization claim.

OneAssure

Health Insurance

Niva Bupa

Reassure 2.0 Titanium+

Niva Bupa ReAssure 2.0 Titanium

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

6.8

Customer Rating

Policy Brochure

Policy Policy wording

Get a Quote

92.02

Claim Settlement Ratio

10000

Network Hospitals

6.8

Customer Rating

Policy Brochure

Policy Policy wording

Our Verdict

Expert Review: Niva Bupa Health Insurance

Final 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

About Niva Bupa Health Insurance

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

5.28

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

swipe

Inclusions and Exclusions

Inclusions and Exclusions of Niva Bupa Insurance Company Limited

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

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

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

Add-Ons

Disease Management Option

Hospital Cash

Acute Care Option

Guard

Personal Accident Option

Insurance Premium Calculator

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Name

Phone Number

Email

Your Enquiry

Name

Phone Number

Email

Your Enquiry

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...