Network hospitals
10000+
Incurred claim ratio
54.05%
Sum insured
Up to 3 CR
No. of Plans
16
Solvency Ratio
1.7
Pan India Presence
200+
PolicyX.com is a Recognised Niva Bupa Partner View Certificate
Network hospitals
10000+
Incurred claim ratio
54.05%
Sum insured
Up to 3 CR
No. of Plans
16
Solvency Ratio
1.7
Pan India Presence
200+
PolicyX.com is a Recognised Niva Bupa Partner View Certificate
Nothing Seems Impossible
A comprehensive plan that gives coverage against any medical emergency for you and your family members. One of the various functional health insurance plans, Niva Bupa offers the new Niva Bupa Reassure 2.0 plan. You will get a sum insured of up to 1 crore at a very reasonable price of premiums. Earlier the plan had only two variants, Titanium+ and Platinum+, but with time they introduced other variants to the customers.
So, if you want to buy a health insurance policy for 6 family members, this plan is for you. Read below to understand the benefits of the plan.
Niva Bupa REASSURE 2.0 Detailed Review 2023
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
Covered up to SI
OPD Charges
Optional Coverage
Coverage Terms
COVID-19 Treatment
Covered
Cataract
Covered
No Claim Bonus
Booster Plus Available
Automatic Restoration
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 covered up to Sum Insured.
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 provides optional 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 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 covers 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 available as Booster Plus 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 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.
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 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.
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 is a standalone trusted brand in the health insurance sector. Now, they offer a cashless anywhere facility under which you can opt for hospitalisation regardless of taking care of the network hospitals. They offer several health insurance plans that are suitable for everyone. Niva Bupa Reassure 2.0 health insurance plan is one of those plans that offers comprehensive coverage for you along with your family members.
If you want to understand anything regarding the Niva Bupa ReAssure 2,0 health insurance, you can call PolicyX today.
Niva Bupa Health Insurance company offers several tailored health plans that are designed to serve you in the best way possible. Take a look:
Comprehensive
This plan is designed for youngsters and allows the policyholder to go overseas for treatments.
Unique Features
Comprehensive
A complete health insurance policy that covers you and your family with a wide range of SI (3 Lakh to 1 Crore) and continues to give you more benefits.
Unique Features
Comprehensive
An individual and family plan that covers all day care treatments, modern treatments, comes with a safeguard add-on and provides annual health check-ups.
Unique Features
Comprehensive
A policy for you and your family which covers modern treatments, laser surgery, e-consultations, annual health check-ups, and coverage of 3 Crores.
Unique Features
Affordable
A budget-friendly health insurance plan that offers coverage to individuals and families with tailor-made benefits and great value for money.
Unique Features
Digital
A modern-day digital insurance plan offering you cashless OPD and diagnostic services along with basic coverage and healthcare benefits.
Unique Features
Comprehensive
A complete health plan, providing a wide range of medical benefits along with global emergency coverage.
Unique Features
Affordable
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
Top-up plan
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
Critical Illness
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
Personal Accident
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
Comprehensive and Top-Up plan
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
Senior Citizen
A plan providing comprehensive protection to senior citizens with multiple coverage options counting from 5 - 25 Lakhs.
Unique Features
Suraksha Plan
A personal accident insurance policy that offers a lump sum compensation in case of permanent disability or death resulting from an accident.
Unique Features
Corona Plan
The plan covers you and your family against COVID-19, covers the Comorbidities arising out of COVID, and imposes no room rent capping.
Unique Features
Niva Bupa Health Insurance Network Hospitals are present in 32 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.
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.
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Raghoba Phadke
Guwahati
April 8, 2024
PolicyX made me buy the Niva Bupa Reassure 2.0 health policy. And the customer care executives are so soft-spoken and compassionate about their customer needs.
Akshat R Verma
Allahabad
April 8, 2024
PolicyX suggested buying Niva Bupa Senior First health insurance for my old age parents. I& 039;m happy to gift them good health, thank you PolicyX.
Akash Banerjee
Pune
April 8, 2024
The team of PolicyX is always open to clear any doubts. I highly recommend buying Niva Bupa health policy from them.
Sarthak Parmal
Delhi
April 8, 2024
I bought Niva Bupa health insurance for my parents, thanks to PolicyX that now I can be prepared for their health needs.
Trishna Rohilla
Bengaluru
April 8, 2024
I got hospitalized due to an accident and my base policy was not sufficient for treatment. So, PolicyX made me buy the Niva Bupa Health Recharge add-on plan. Now, I’ll be prepared for any...
Sunaina Khanna
Ahmedabad
April 8, 2024
All my queries related to claim settlement ratio for Niva Bupa and claim process were resolved by PolicyX insurance agents
Babita Thapa
Allahabad
April 8, 2024
I had some reimbursement claim queries related to the Niva Bupa Aspire policy, the customer support team of PolicyX understood my requirement and they stood by me to get the claim.
Ritu Mandotkar
Guwahati
April 8, 2024
I lost my grandmother because my family did not have so much wealth or savings to get her treatment done. But I decided to buy health insurance for my parents and now I feel relieved because my...
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