Health Insurance
Health Insurance Companies
Term Insurance
Term Insurance Companies
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Network hospitals
9100+
Claim settlement ratio
99.99
Sum insured
3 CR
No. of Plans
14
Solvency Ratio
1.7
Pan India Presence
-
Network hospitals
9100+
Claim settlement ratio
99.99
Sum insured
3 CR
No. of Plans
14
Solvency Ratio
1.7
Pan India Presence
-
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+.
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.
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
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:
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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:
Coverage status under Niva Bupa Reassure 2.0?
Under Niva Bupa Reassure 2.0 Plan the newborn baby cover is not available.
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.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under Niva Bupa Reassure 2.0?
Under the Niva Bupa Reassure 2.0 IVF treatment is not covered.
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.
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.
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.
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.
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.
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.
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
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.
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.
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.
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.
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
Pre-existing diseases 36 months
Listed Ailments 24 months
Niva Bupa Reassure 2.0 is a unique health insurance policy that offers multiple benefits catering to individuals and families.
Get tax relief under section 80D
Save as you grow older
Live Healthy Discount
Carry forward your Sum Insured
Avail annual health check-up
Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.
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.
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.
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.
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.
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.
Click here to Renew Niva Bupa Health Policy Online
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
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
A budget-friendly health insurance plan that offers coverage to individuals and families with tailor-made benefits and great value for money.
Unique Features
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
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
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
A modern-day digital insurance plan offering you cashless OPD and diagnostic services along with basic coverage and healthcare benefits.
Unique Features
A complete health plan, providing a wide range of medical benefits along with global emergency coverage.
Unique Features
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
A plan providing comprehensive protection to senior citizens with multiple coverage options counting from 5 - 25 Lakhs.
Unique Features
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
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.
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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
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.
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...........
Sagar Jain
Delhi
September 14, 2022
Very Good Organization, Very Decent Staff. Sales team is very good, they are following clients in proper manner
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.
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
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.
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!
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.
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.
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.
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