Niva Bupa Reassure 2.0 Health Plan

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.

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 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.

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.

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.

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.

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.

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.