Niva Bupa Reassure 2.0 Health Plan

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.

This plan is suitable for families, including those with up to 6 members.

Niva Bupa ReAssure 2.0: Plan Overview

Explore the Features of Niva Bupa ReAssure 2.0

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.

Detailed 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.

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 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 waiting period
• Specific listed ailments: 24 months waiting period

How Niva Bupa ReAssure 2.0 Plan is Different from Others?

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

• Disease Management

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

• Acute Care

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

• Personal Accident Cover

  Provides personal accident coverage in addition to health insurance.

• Hospital Cash

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

• Lock the Clock

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

• 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.