Network hospitals
10000+
Claim settlement ratio
99.99
Sum insured
3 CR
No. of Plans
14
Solvency Ratio
1.7
Pan India Presence
-
PolicyX.com is a Recognised Niva Bupa Partner View Certificate
Network hospitals
10000+
Claim settlement ratio
99.99
Sum insured
3 CR
No. of Plans
14
Solvency Ratio
1.7
Pan India Presence
-
PolicyX.com is a Recognised Niva Bupa Partner View Certificate
A plan that offers comprehensive coverage and unlimited reinstatement of base sum insured.
Niva Bupa Health ReAssure (formerly known as Max Bupa ReAssure) is designed to protect you and your family during medical emergencies with a cover of up to 1 crore. It offers a multitude of healthcare benefits including in-patient hospitalization, domiciliary hospitalization, etc. along with some stand-out features. These are booster benefit, Live Healthy benefit, add-on riders, lifelong renewability and much more as ReAssure just keeps giving you more.
Niva Bupa Health Insurance Plan Detailed Review
All about Niva Bupa Health Insurance Company
With several features, the plan ensures to look after your & your family's healthcare needs. Take a glimpse of Niva Bupa ReAssure Plan below:
Entry Age
18 years
Policy Type
Individual / Family Floater
Policy Term
1 | 2 | 3 Years
Renewal
Lifetime Renewability
Sum Insured
3L | 4L | 5L | 7.5L | 10L | 12.5L |15L | 20L | 25L | 50L | 75L | 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.
Read more specifications in the Niva Bupa Health ReAssure Brochure.
ReAssure Niva Bupa offers vast coverage to its customers. The same is mentioned in the next section. Take a look:
In-patient & Out-patient coverage
Room Rent
Covered up to SI
ICU Charges
Covered up to SI
Pre-Hospitalization
Covered up to 60 days
Post-Hospitalization
Covered up to 180 days
Domiciliary Hospitalization
Covered
Daycare Treatment
All Day-Care Treatments Covered
OPD Charges
Not Covered
Coverage Terms
COVID-19 Treatment
Covered
Cataract
Not Covered
No Claim Bonus
Available as a Booster Benefit
Automatic Restoration
Available as ReAssure Benefit
Daily Hospital Cash
Available as a Rider
Organ Donor
Covered
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
Alternative Treatments
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Covered up to 1L
Emergency Coverage
Ambulance
Covered up to 2K per hospitalization
Air Ambulance
Covered
Compassionate Travel
Not available
Global Coverage
Not available
Wellness Programmes
E-Consultation
Not available
Health Check-Up
Available Annually
Second Medical Opinion
Available
Vaccination
Not Covered
Limitations
Co-payment
Not Applicable
Sub-limits
Applicable
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 Plan?
Under this plan, there is no room rent capping, and the same is covered up to the selected SI.
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under Niva Bupa ReAssure Plan?
Under this plan, ICU charges coverage is available up to the selected SI.
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under Niva Bupa ReAssure Plan?
This plan covers medical expenses incurred during pre-hospitalization for up to 60 days.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under Niva Bupa ReAssure Plan?
This plan covers medical expenses incurred during post-hospitalization for up to 180 days.
Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the financial coverage.
Coverage status under Niva Bupa ReAssure Plan?
The domiciliary hospitalization is covered under this plan.
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under Niva Bupa ReAssure Plan?
This plan covers expenses of all day care procedures such as Dental, ENT and other procedures.
The cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under Niva Bupa ReAssure Plan?
Not Covered
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 Plan?
COVID-19 treatment cover is available under this plan.
A common eye condition in which your vision gets blurred.
Coverage status under Niva Bupa ReAssure Plan?
Not Covered
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 certain percentage that varies from plan to plan.
Coverage status under Niva Bupa ReAssure Plan?
The plan offers Booster Benefit, wherein for every claim free year, there would be a 50% increase in sum insured, maximum to 100% of SI.
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 Plan?
The plan has ReAssure benefit, wherein a person can enjoy the unlimited reinstatements of the sum insured for same and different illness in a policy year.
It is a cash amount that you receive each day during the time of hospitalization.
Coverage status under Niva Bupa ReAssure Plan?
The Daily hospital cash available under the plan is as follows:
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 Plan?
Organ Donor coverage is available under this plan.
It refers to the cover that includes expenses for normal and c-section procedures deliveries.
Coverage status under Niva Bupa ReAssure Plan?
Not Available
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 Plan?
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 Plan?
AYUSH treatment is covered under this plan.
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 Plan?
Not Available
Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under Niva Bupa ReAssure Plan?
The plan offers coverage against the surgeries like oral chemotherapy, deep-brain stimulation, etc. up to Sum Insured with a sub-limit of 1L.
An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.
Coverage status under Niva Bupa ReAssure Plan?
This plan covers Ambulance charges up to 2K per hospitalization.
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 Plan?
The plan covers the expenses for Air Ambulance as per the below limits:
Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.
Coverage status under Niva Bupa ReAssure Plan?
Not Available
Any kind of medical/health emergency when you are outside of India.
Coverage status under Niva Bupa ReAssure Plan?
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 Plan?
Not Available
A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.
Coverage status under Niva Bupa ReAssure Plan?
The plan offers annual health check-ups from Day 1.
It covers up to INR 500 for every 1 Lakh sum insured (Individual policy: maximum 5,000 per Insured; Family Floater policy: maximum 10,000 per policy) for the defined list of tests.
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 Plan?
Not Available
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under Niva Bupa ReAssure Plan?
Not Available
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.
Coverage status under Niva Bupa ReAssure Plan?
Co-payment is not applicable under this plan.
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.
Coverage status under Niva Bupa ReAssure Plan?
Sub-limit under this plan is applicable on modern treatments such as oral chemotherapy, deep-brain stimulation, etc. up to Sum Insured with a sub-limit of 1L.
To enhance the coverage of your Niva Bupa ReAssure Plan, the plan offers several riders. These riders allow the policyholder to customize their plan as per the needs and enhance their basic coverage.
Personal Accident Cover
Coverage against Accidental Eventualities
Hospital Cash
Get Daily Allowance during Hospitalization
Safeguard
Avail three Additional Benefits
With this rider of ReAssure plan by Niva Bupa, you can get coverage against:
With this rider, one can avail of daily hospital cash for up to 30 days of hospitalization if hospitalized for more than 48 hours.
This rider benefits the policyholder in three different ways such as:
In case of shared room accommodation during hospitalization in a Network Hospital, a daily cash amount is paid to the insured person for each continuous and completed period of 24 hours of hospitalization.
Download Niva Bupa Health App, and collect health points for every step you take. Live healthy and get discounts on your renewal premiums.
Get an increase of up to 100% in your sum insured for every claim-free year.
Niva Bupa Health ReAssure has certain pre-determined treatments and diseases that are not covered under the plan's coverage portfolio. Take a look at few of them:
Permanent diseases or health conditions that are not included under this plan are:
OPD treatments
Sex change treatment
Therapies related to Hormone replacement, cosmetic and plastic surgery.
Dental/oral treatments
Sleep disorders
Alcohol/drug or substance abuse
Sexually Transmitted Diseases such as HIV
Self-inflicted injuries or attempted suicide
Adventurous or Hazardous Sports
Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:
Listed ailments after 2 years
Pre-existing diseases after 3 years
We at PolicyX.com have illustrated the sample premium of Niva Bupa ReAssure health insurance with different family sizes. You can refer to the section below to understand how much premium you would need to pay for this plan:
SI Options | 5L | 10L | 20L | 25L | 50L | 1Cr |
Premium Payable | 7,697 | 9,111 | 13,010 | 13,895 | 17,439 | 20,983 |
SI Options | 5L | 10L | 20L | 25L | 50L | 1Cr |
Premium Payable | 11,409 | 13,354 | 19,902 | 21,232 | 26,548 | 31,864 |
SI Options | 5L | 10L | 20L | 25L | 50L | 1Cr |
Premium Payable | 15,092 | 17,565 | 26,046 | 27,814 | 34,888 | 41,961 |
Niva Bupa Health Insurance company offers several tailored health plans that are designed to serve you in the best way possible. Take a look:
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
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
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
Niva Bupa Reassure 2.0 provides insurance holders with a high sum insured through their platinum, titanium, and bronze variants along with a multitude of other features.
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.
See More Health Insurance Articles
See More Health Insurance Articles
The cash benefit limit under Niva Bupa Reassure (formerly known as Max Bupa ReAssure) Shared Accommodation Cash Benefit are:
Live Healthy Benefit offers up to 30% discounts on renewal premiums, and encourages the policyholders to stay active and opt for a healthy lifestyle. With its Live Healthy Benefit, this plan promises to keep you motivated to stay fit so you can stay healthy and keep gaining more!
Niva Bupa Health App will track your steps and will turn them into Health Points. 1 health point would be earned for every completed 1000 steps. To avail of this benefit you must download the mobile app within 30 days of the policy commencement.
Yes, the plan offers several discounts to its customers such as family discount, doctor discount, tenure discount.
Yes, under ReAssure Booster Benefit, there would be a reduction of 50% in the SI in case of claim.
Under the Niva Bupa Reassure plan, one can cover a minimum of 6 members in several combinations.
No, you are not required to undergo any medical health check-ups, however, it is always advisable to have a full body checkup prior to buying a policy. Not only it helps in keeping the check on your health, but will also avoid any unnecessary delays at the time of claim settlement.
Yes, the policy covers the expenses incurred on treatment taken at home for Chemotherapy or Dialysis.
There are no such criteria for the renewal of your policy. The plan offers guaranteed lifelong renewal with no extra loadings based on your claim history.
The list of tests covered under this benefit are:
It offers you additional advantages including an increase in SI amount annually on the basis of the inflation rate, coverage for non-payable articles such as gloves, and no impact on booster benefit.
Aradhya Jain
Kolkata
October 4, 2023
I ve been a Niva Bupa customer through Policyx.com for years. Their plans have been a lifesaver for me and my family.
Anushka Rana
Chandigarh
October 4, 2023
I ve recommended Niva Bupa Health Insurance through Policyx.com to all my friends and family. The process is simple, and the coverage is extensive.
Anuj Goyal
Indore
October 4, 2023
I m a satisfied customer of Niva Bupa Health Insurance through Policyx.com. Their plans offer great coverage at competitive rates.
Anisha Yadav
Pune
October 4, 2023
The peace of mind that comes with having Niva Bupa Health Insurance through Policyx.com is priceless. Excellent customer service too!
Aniket Verma
Goa
October 4, 2023
I can t thank Policyx.com enough for helping me find Niva Bupa Health Insurance. Their plans are comprehensive and affordable.
Ananya Sharma
Coimbatore
October 4, 2023
Niva Bupa Health Insurance has been my choice for years, and Policyx.com helped me find the perfect plan. Highly recommended!
Amina Patel
Jalandhar
October 4, 2023
I m impressed with the range of options available through Policyx.com for Niva Bupa Health Insurance. Great service and coverage!
Aman Khanna
Chandigarh
October 4, 2023
Policyx.com made it easy to compare and choose the right health insurance plan with Niva Bupa. The process was quick and efficient.
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