Niva Bupa Reassure 2.0 Health Plan
  • High Sum Insured
  • Lock your premiums
  • Booster + Benefit
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Network hospitals

9100+

premium

Claim settlement ratio

99.99

premium

Sum insured

3 CR

premium

No. of Plans

14

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Solvency Ratio

1.7

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Pan India Presence

-

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

9100+

premium

Claim settlement ratio

99.99

premium

Sum insured

3 CR

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No. of Plans

14

premium

Solvency Ratio

1.7

premium

Pan India Presence

-

Niva Bupa Reassure 2.0 Health Plan

One of the various functional health insurance plans Niva Bupa offers is the new Niva Bupa Reassure 2.0 plan. The plan is reasonably priced, is comprehensive, and gives alternatives for sums covered ranging from 5 lakhs to 1 crore. Niva Bupa Reassure 2.0 has two variations—titanium+ and platinum+—and is available as a family and individual floater plan. A family plan with Niva Bupa Reassure 2.0 can include up to 6 people.

The comprehensive features of the Niva Bupa Reassure 2.0 health insurance plan include pre- and post-hospitalization costs, in-patient and out-patient coverage, organ transplant, in-home hospitalization, emergency ambulance coverage, daycare treatment coverage, and many other advantages. The Niva Bupa Reassure 2.0 also extends coverage through various optional coverage benefits like safeguard and safeguard+.

Niva Bupa Reassure 2.0 Eligibility Criteria

Entry Age

Minimum: 18 years

Adult Entry Age

Maximum: 65 years

Policy Type

Individual/Family Floater

Policy Term

1 Year

Sum Insured

5 L | 10 L | 15 L | 20 L | 25 L | 50 L | 1 Cr

Initial Waiting Period*

30 Days*

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

For more plan specifications download the brochure:

Choose Your Niva Bupa Reassure 2.0

Individuals can select their preferred sum-insured Niva Bupa Reassure 2.0 variant with optional coverage features.

In-patient & Out-patient coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered up to 60 days

Post-Hospitalization

Covered up to 180 days

Domiciliary Hospitalization

Covered

Daycare Treatment

Not Covered

OPD Charges

Not Covered

Coverage Terms

COVID-19 Treatment

Not Covered

Cataract

Not Covered

No Claim Bonus

Not Applicable

Automatic Restoration

Not Applicable

Daily Hospital Cash

Available

Organ Donor

Covered

Maternity Cover

Not Covered

New Born Baby Cover

Not Available

Alternative Treatments

AYUSH Treatment

Covered

IVF Treatment

Not Available

Modern Treatment

Covered

Emergency Coverage

Ambulance

Covered

Air Ambulance

Covered

Compassionate Travel

Not Covered

Global Coverage

Not Covered

Wellness Programmes

E-Consultation

Covered

Health Check-Up

Covered

Second Medical Opinion

Covered

Vaccination

Not Covered

Limitations

Co-payment

Applicable

Sub-limits

Available

What is Room Rent?

The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common Room categories covered under room rent are:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under Niva Bupa Reassure 2.0?

Under Niva Bupa Reassure 2.0 Plan, the room rent is covered up to Sum Insured without any capping.

What are ICU Charges?

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under Niva Bupa Reassure 2.0?

Under the Niva Bupa Reassure 2.0 Plan, ICU charges are covered up to Sum Insured without any capping.

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under Niva Bupa Reassure 2.0?

Under the Niva Bupa Reassure 2.0 Plan medical expenses incurred during pre-hospitalization are covered for up to 60 days.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under Niva Bupa Reassure 2.0?

Under Niva Bupa Reassure 2.0 Plan, medical expenses incurred during post-hospitalization are covered for up to 180 days.

What is Domiciliary Hospitalization?

Home hospitalization arrangements for the insured person due to the unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.

Coverage status under Niva Bupa Reassure 2.0?

Under Niva Bupa Reassure 2.0, domiciliary hospitalization is covered up to SI.

What is Daycare Treatment?

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under Niva Bupa Reassure 2.0?

Under Niva Bupa Reassure 2.0 Plan daycare procedures are not covered.

What are OPD charges?

Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization.

Coverage status under Niva Bupa Reassure 2.0?

Niva Bupa Reassure 2.0 does not cover OPD charges.

What is COVID-19 Treatment?

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.

Coverage status under Niva Bupa Reassure 2.0?

COVID-19 treatment is not covered by Niva Bupa Reassure 2.0 Plan.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under Niva Bupa Reassure 2.0?

Niva Bupa Reassure 2.0 Plan does not cover Cataract Treatment.

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a percentage that varies from plan to plan.

Coverage status under Niva Bupa Reassure 2.0?

The no-claim Bonus is not available under Niva Bupa Reassure 2.0.

What is Automatic Restoration?

Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.

Coverage status under Niva Bupa Reassure 2.0?

Under Niva Bupa Reassure 2.0 automatic restoration is not available.

What is Daily Hospital Cash?

It is a cash amount that you receive each day during the time of hospitalization.

Coverage status under Niva Bupa Reassure 2.0?

The daily hospital cash is available as an optional benefit under Niva Bupa Reassure 2.0.

  • Up to INR 5 Lac Base Sum Insured: INR 1,000/day
  • Between INR 10 Lac to INR 15 Lac Base Sum Insured: INR 2,000/day
  • Above 15 Lac Base Sum Insured: INR 4,000/day
What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under Niva Bupa Reassure 2.0?

Under Niva Bupa Reassure 2.0, organ donor expenses are covered up to SI.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedure deliveries.

Coverage status under Niva Bupa Reassure 2.0?

Under the Niva Bupa Reassure 2.0 Plan maternity expenses are not covered.

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under Niva Bupa Reassure 2.0?

Under Niva Bupa Reassure 2.0 Plan the newborn baby cover is not available.

What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under Niva Bupa Reassure 2.0?

AYUSH Treatment is covered Under Niva Bupa Reassure 2.0 upto SI.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under Niva Bupa Reassure 2.0?

Under the Niva Bupa Reassure 2.0 IVF treatment is not covered.

What is a Modern Treatment?

Medical treatments that demand modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under Niva Bupa Reassure 2.0?

Under Niva Bupa Reassure 2.0 modern treatments are covered up to SI with a sub-limit of INR 1 Lac per claim on few robotic surgeries.

What is an Ambulance Cover?

An ambulance is used to move the patient from home to the hospital, transfer to another hospital, and take them for different tests outside the hospital.

Coverage status under Niva Bupa Reassure 2.0?

Under Niva Bupa Reassure 2.0 Plan, Ambulance expenses are covered up to Sum Insured.

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under Niva Bupa Reassure 2.0?

Under Niva Bupa Reassure 2.0 Plan, Air Ambulance is covered up to INR 2,50,000 per Hospitalisation.

What is Compassionate Travel?

Refers to the traveling expenses of a family member of the insured person in case the policyholder gets admitted to a hospital outside his/her residential city.

Coverage status under Niva Bupa Reassure 2.0?

Under the Niva Bupa Reassure 2.0 compassionate plan is not covered.

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under Niva Bupa Reassure 2.0?

Under Niva Bupa Reassure 2.0 Global coverage is not available.

What is E-Consultation?

If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under Niva Bupa Reassure 2.0?

Under Niva Bupa Reassure 2.0, e-consultation is covered. It is Unlimited e-consultation within the network of Niva Bupa.

What is a Health Checkup?

A facility where the policyholder can avail of free health check-ups after fulfilling the company's policies.

Coverage status under Niva Bupa Reassure 2.0?

Under Niva Bupa Reassure 2.0, a health checkup is covered

  • For a defined list of tests; up to INR 500 for every INR 1 Lac Base Sum Insured.
  • (Individual: Maximum INR 5,000 per Insured; Family Floater: Maximum INR 10,000 per policy).
What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

Coverage status under Niva Bupa Reassure 2.0?

Under Niva Bupa Reassure 2.0 second medical opinion is covered once for any condition in a Policy Year.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under Niva Bupa Reassure 2.0?

Under the Niva Bupa Reassure 2.0 Plan, vaccination expenses are not covered.

What is Co-payment?

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Status under Niva Bupa Reassure 2.0?

Co-pay is applicable but it is not applicable to Annual Health Check-up, Live Healthy, Second Medical Opinion, Shared Accommodation Cash, e-consultation, Personal Accident, Hospital Daily Cash benefits.

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.

Status under Niva Bupa Reassure 2.0?

Applicable under Niva Bupa Reassure 2.0.

Other Health Insurance Companies

Niva Bupa Reassure 2.0 Exclusions

Permanent Exclusions

Permanent diseases or health conditions that are not included under Niva Bupa Reassure 2.0 Health Insurance Plan are:

Hospitalization out of war, riot, strike, and nuclear weapons

Intentional self-injury

Miscarriage, and abortion

Congenital disease

Infertility and in vitro fertilization

Waiting Periods

Pre-existing diseases 36 months

Listed Ailments 24 months

Niva Bupa Reassure 2.0 Benefits

Niva Bupa Reassure 2.0 is a unique health insurance policy that offers multiple benefits catering to individuals and families.

Tax Benefits

Get tax relief under section 80D

Lock the Clock feature

Save as you grow older

Discount

Live Healthy Discount

Booster + Benefit

Carry forward your Sum Insured

Annual Health Check-Up

Avail annual health check-up

Tax Benefits

Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.

Lock the Clock feature

A unique feature where you can save as you age. Under the Niva Bupa Reassure 2.0 individuals have to pay the same premium they paid when they bought the policy. For example, if an individual purchases the policy at 25 years old, they have to pay the same premium at each renewal, till a claim is paid.

Discount

Niva Bupa Reassure 2.0 health plan offers a 30% discount. Individuals can earn up to 30% discount at renewal just by simply walking. Every 1000 steps will earn individuals one point and once your points are collected you can earn the discount.

Booster + Benefit

Individuals who invested in Niva Bupa Reassure 2.0 can avail of the facility of the Booster+ benefit wherein they can carry forward the sum insured that has not been utilized. The booster+ benefit offers 5X and 10X options. Under the 5X option the unutilized Base Sum Insured carries forward to the next policy year, a maximum of up to 5 times of Base Sum Insured. Under the 10X option the unutilized Base Sum Insured carries forward to the next policy year, a maximum of up to 10 times of Base Sum Insured.

Annual Health Check-Up

Niva Bupa Reassure 2.0 offers annual health check-ups for a defined list of tests; up to INR 500 for every INR 1 Lac Base Sum Insured. For the individual plan variant, it is available for up to a maximum of INR 5,000 per Insured, and for Family Floater plan a Maximum amount of INR 10,000 per policy.

Explore Niva Bupa Health Insurance

Know more about Niva Bupa Health Insurance, its claim process, buying process, and contact details by clicking on the sections below:

Claim Process

Click to know Niva Bupa Health Insurance Claim Process.

Buying Process

Click to know Niva Bupa Health Insurance Buying Process.

Contact Us

Feel free to contact Niva Bupa Health Insurance for more details.

Premium Calculator

Calculate Niva Bupa Premium online, without any hassles.

Renewal Process

Click here to Renew Niva Bupa Health Policy Online

Explore other Niva Bupa Health Insurance Plans

Niva Bupa Health Insurance offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.

Protect your entire family with smart features that provide you with everything you need under a health insurance plan.

Unique Features

  • No room rent capping
  • 20% increase in SI as no-claim bonus
  • 100% SI restoration

A comprehensive medical policy that blends well with the lifestyle of your family while offering SI options from 5 Lakhs to 3 Crores.

Unique Features

  • Maternity benefits available
  • 10% increase in SI annually
  • International coverage available

A budget-friendly health insurance plan that offers coverage to individuals and families with tailor-made benefits and great value for money.

Unique Features

  • No room rent capping
  • Up to 100% of SI restoration
  • 20% increase in SI as no claim bonus

A super top-up plan providing extra coverage to you and your family on the basis of deductible with SI options of up to 95 lakhs.

Unique Features

  • No room rent capping
  • Unlimited E-consultation available
  • Pharmacy and diagnostic services

Buy a cover of up to 2 crores to secure you and your loved ones against 20 major critical illnesses with the Niva Bupa CritiCare plan.

Unique Features

  • Daily hospital cash
  • Accident care available
  • Lifelong renewability

NivaBupa AccidentCare

Offers personal accident cover of up to 2 crores on an individual and family floater basis. Pays 100% of SI to your family in case of accidental death.

Unique Features

  • Global coverage available
  • Child education benefit
  • 125% of SI for permanent disability

NivaBupa Go Active

A modern-day digital insurance plan offering you cashless OPD and diagnostic services along with basic coverage and healthcare benefits.

Unique Features

  • Early age enrolment discounts
  • Up to 10 OPD consultations per year
  • No room rent capping

NivaBupa Heart Beat

A complete health plan, providing a wide range of medical benefits along with global emergency coverage.

Unique Features

  • Maternity & New born coverage
  • No room rent capping
  • 10% increase in SI annually

NivaBupa Money Saver

A unique health insurance plan that combines the benefits of basic SI and top-up cover to offer enhanced protection to individuals and families.

Unique Features

  • 100% SI restoration
  • Unlimited e-consultation
  • No room rent capping

A plan providing comprehensive protection to senior citizens with multiple coverage options counting from 5 - 25 Lakhs.

Unique Features

  • Coverage for modern treatments
  • Multiple co-payment options
  • Unlimited SI restoration

NivaBupa Super Saver

An individual and family health plan, providing a cover of up to 1 crore at affordable premiums combined with advanced features and benefits.

Unique Features

  • Up to 200% of SI as NCB
  • Up to 150% of SI restoration
  • Unlimited e-consultation

Max Bupa Health Insurance Network Hospital List

Max Bupa Health Insurance Network Hospitals are present in 32 states nationwide. With a wide network of hospitals, Max Bupa Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Health Insurance Articles

What is OPD Cover?

What is OPD Cover?March, 2022

Niva Bupa Health Reassure 2.0 Plan: FAQs

1. What are the sum insured options available under Niva Bupa Reassure 2.0 health insurance plan?

The sum insured options are ranging from INR 5 lakh to INR 1 crore under Niva Bupa Reassure 2.0 wherein individuals can select the required health insurance plan.

2. Can I cover my children under the Niva Bupa Reassure 2.0 health insurance plan?

Yes, individuals can cover up to 6 family members under Niva Bupa Reassure 2.0 health insurance plan. It is available as an individual and family floater health plan.

3. Is maternity benefit available under Niva Bupa Reassure 2.0 health insurance plan?

No, maternity and newborn baby cover are not available under Niva Bupa Reassure 2.0 health insurance plan.

4. What are the additional features available under Niva Bupa Reassure 2.0 health insurance plan?

Niva Bupa Reassure 2.0 health insurance plan is an essential health plan with a multitude of base features and optional benefits such as

  • Hospital cash
  • Personal Accident Benefit
  • Safeguard Benefit
  • Safeguard+ Benefit

5. What is the Booster+ feature under Niva Bupa Reassure 2.0 Health Insurance Plan?

Individuals who invested in Niva Bupa Reassure 2.0 can avail of the facility of the Booster+ benefit wherein they can carry forward the sum insured that has not been utilized. The booster+ benefit offers 5X and 10X options. Under the 5X option the unutilized Base Sum Insured carries forward to the next policy year, a maximum of up to 5 times of Base Sum Insured. Under the 10X option the unutilized Base Sum Insured carries forward to the next policy year, a maximum of up to 10 times of Base Sum Insured.

Read Reviews & Ratings

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Vishal Singh

Delhi

September 27, 2022

I want to thanks Atul Bhardwaj he suggested me good policy and provide me good comparison which help me to choose best plan...........

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Sagar Jain

Delhi

September 14, 2022

Very Good Organization, Very Decent Staff. Sales team is very good, they are following clients in proper manner

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Mohan Bhargava

Chandigarh

September 14, 2022

Best company I ve ever seen. Good service. Politely way of talk. An employee of policy x is Azhar (13272) a best advisor. Good knowledge about the product and companies.

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Kakali Bagchi

Kolkata

September 14, 2022

The people who is seating in policyx.com are vary supportive and they guide for the best policy and they help after sale also

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Simran

Delhi

June 3, 2022

I must say that they truly process claims in under 30 minutes. It really is true and not just one of those hoax promises by a brand.

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Nivedita

Hyderabad

June 3, 2022

I have been their customer for years. Its hassles free, convenient, and most importantly, the team is proactive in their dealings. Great Job!

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Isha

Jaipur

June 3, 2022

Good company/. I have a good experience with this company especially when it came to a quick claim settlement process.

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Khushwant Kumar

Agra

August 12, 2021

thanks policyx itna help karne ke lie. Good luck. Sahi plan mil gaya mere conditions ke hisaab se. Very happy.

View All Niva Bupa Health Insurance Reviews

Naval Goel

Reviewed By: Naval Goel

Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.