Niva Bupa ReAssure 2.0 Health Insurance Plan | PolicyX
Niva Bupa Health Insurance Niva Bupa Health Insurance ★ 4.4

Niva Bupa Reassure 2.0 Health Plan

ReAssure 2.0 provides broad medical coverage with strong financial pro ...Read More

Up to 1 Cr
Sum insured
1
No. of plans
320+
Pan India presence
94.4%
Claim settlement ratio
🛡️ IRDAI Approved
4.4/5 · 2,747 reviews
🏥 10,000+ hospitals
📊 3.03 solvency ratio
94.4% claim settlement

About Niva Bupa Reassure 2.0 Health Plan

A quick read on what this Niva Bupa Health Insurance plan covers and why it might be a fit for you.

Niva Bupa Reassure 2.0 offers coverage for medical emergencies. Under this plan, you will get a sum insured of up to ₹1 Crore at a very reasonable premium price. Initially, the plan offered two variants, Titanium+ and Platinum+, with additional variants introduced later.

Explore the features of Niva Bupa ReAssure 2.0 below.

Niva Bupa Reassure 2.0 currently offers five variants:

  • Platinum+ - Carry forward unused sum insured up to 5x of base coverage.
  • Titanium+ - Carry forward unused sum insured up to 10x of base coverage.
  • Bronze+ - Carry forward unused sum insured up to 3 times the base cover, and get hospitalization coverage for 2 hours or more.
  • Gold - Carry forward unused sum insured up to 10 times the base cover.
  • Bronze - Carry forward unused sum insured for 3 times the base sum insured.

This plan is suitable for families, including those with up to 6 members. Read on to understand the plan's benefits.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
18 to 99 years
Plan type
Individual and Family Health Insurance
Waiting period
30 days
Renewability
Lifetime
Policy term
1 Year

*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.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Personal accident cover
  • Acute Care benefits
  • Emergency Ambulance
  • Five Plan variants
  • Domiciliary (home care) treatments

Cons

  • No OPD Cover
  • No Maternity Cover
  • Sleep disorders not covered
  • Pre-existing diseases covered after 3 years waiting period
  • Alcoholism not covered

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Covered
  • E-consultation Covered
  • Health check-up Covered
  • Second medical opinion Covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Applicable
  • Sub-limits Applicable
  • Compassionate travel Not covered
  • Global coverage Not covered

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

Niva Bupa REASSURE 2.0 Detailed Review 2023

Niva Bupa REASSURE 2.0 Detailed Review 2023

Choose the Niva Bupa Reassure 2.0 Health Plan and ensure your health is fully protected. It s more than just insurance; it s your partner in well-being. Learn more in our video!

Variants of ReAssure 2.0

  • Bronze: Offers 3x base sum insured carry forward, providing entry-level protection, best for basic family coverage.
  • Bronze+: Offers 3x base sum insured carry forward, includes 2+ hour hospitalization cover, best for budget buyers needing wider eligibility.
  • Gold: Offers 10x base sum insured carry forward, a strong carry forward benefit, best for families needing higher protection.
  • Platinum+: Offers 5x base sum insured carry forward, providing balanced premium and benefits, best for mid-range comprehensive cover.
  • Titanium+: Offers 10x base sum insured carry forward, the highest carry forward benefit, best for high medical risk or large families.

Niva Bupa Health Insurance Network Hospital List

Niva Bupa Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Niva Bupa Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Know More About Network Hospitals →

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Inclusions

  • Inpatient hospitalization expenses (room rent, ICU, surgery)
  • Pre and post-hospitalization medical expenses
  • Day care procedures
  • Domiciliary (home-based) treatment
  • Organ donor expenses
  • Ambulance charges (road & air, as per plan terms)
  • AYUSH treatment coverage
  • Modern treatment procedures (as per policy terms)
  • Annual health check-up benefits
  • Restoration of sum insured
  • Carry forward of unused sum insured (Booster+ benefit)
  • Optional add-ons like personal accident and hospital cash cover

Exclusions

  • Permanent diseases or health conditions that are not included under Niva Bupa Reassure 2.0 Health Insurance Plan are:
  • Hospitalization due to war, riot, strike, or nuclear weapons
  • Intentional self-injury
  • Miscarriage and abortion
  • Congenital diseases
  • Infertility and in-vitro fertilization
  • Pre-existing diseases: 36 months
  • Specific listed ailments: 24 months

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry Age: 18 years
  • Max Entry Age: No maximum age limit
  • Sum Insured: ₹5 Lakh to ₹1 Crore
  • Initial Waiting Period: 30 days

Other features & benefits

How Niva Bupa Reassure 2.0 Plan is Different from Others?

Key features that differentiate Niva Bupa ReAssure 2.0 from other plans include:

  1. Disease Management

    Covers specific diseases like diabetes and hypertension, offering up to a 20% renewal discount.

  2. Acute Care

    Offers unlimited teleconsultation with general physicians, specialists, or super specialists via Apollo 24x7, covering pharmacy and diagnostics up to specified limits.

  3. Personal Accident Cover

    Provides personal accident coverage in addition to health insurance.

  4. Hospital Cash

    Receive daily cash benefits for up to 30 days of hospitalization, which can be used for non-covered expenses.

  5. Lock the Clock

    Allows you to pay premiums based on your entry age until a claim is made.

  6. Live Healthy Benefit

    Offers up to a 30% discount on renewal premiums based on healthy living activities.

Conclusion

This review highlights the variants, benefits, and unique features of the Niva Bupa ReAssure 2.0 plan. Niva Bupa is a trusted brand known for its comprehensive health insurance solutions, including a 'Cashless Anywhere' facility. The ReAssure 2.0 plan offers extensive coverage for individuals and families.

Niva Bupa Health Reassure 2.0 Plan: FAQs

The 10 most-asked questions about Niva Bupa Reassure 2.0 Health Plan, answered.

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.
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.
No, maternity and newborn baby cover are not 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
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.
Reassure 2.0 by Niva Bupa is a versatile health insurance plan offering comprehensive coverage, including five different variants, personal accident cover, hospital cash, and more.
The pre-existing disease waiting period for the Reassure 2.0 Bronze variant is 3 years.
25 years is the maximum entry age for dependent children in the Niva Bupa Reassure 2.0 plan.
Under Niva Bupa Reassure 2.0, your premium won’t stay the same after a claim. The “Lock the Clock” feature ends with the first claim, and premiums then follow standard age-based rates, increasing as you grow older.
The Niva Bupa ReAssure 2.0 plan offers comprehensive health coverage for you and your family, including hospitalisation, personal accident, teleconsultation, booster benefits, and optional add-ons like Safeguard+ and Smart Health+.

Conclusion

ReAssure 2.0 offers broad hospitalization cover with added features like restoration of sum insured,

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

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