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Niva Bupa Reassure - Plan Review , Benefits | Niva Bupa ReAssure Plan Details 2024 | Niva Bupa
Niva Bupa Health Insurance
Niva Bupa ReAssure Plan
A specially designed plan that offers coverage of up to ₹1 Crore, with ...Read More
Up to 1 Cr
Sum insured
1
No. of plans
320+
Pan India presence
94.4%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,740 reviews
🏥 10,000+ hospitals
📊 3.03 solvency ratio
✅ 94.4% claim settlement
About Niva Bupa ReAssure Plan
A quick read on what this Niva Bupa Health Insurance plan covers and why it might be a fit for you.
A plan that keeps giving you more.
Niva Bupa Health ReAssure is specially designed to protect you and your family during medical emergencies. It provides comprehensive coverage up to ₹1 Crore. It covers ambulance charges (both air and road), ensuring you don't have to worry about transportation during emergencies. You can add up to 6 members to this plan. This plan offers a host of benefits with unlimited restoration, meaning that whenever you are hospitalised and some part of your sum insured is used, the plan will restore the full cover amount.
Explore the key features of the Niva Bupa ReAssure Plan below.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
18 years
Plan type
Individual and Family Health Insurance
Sum insured options
₹3 L, ₹4 L, ₹5 L, ₹7 L, ₹10 L, ₹12 L, ₹15 L, ₹20 L, ₹25 L, ₹50 L, ₹75 L, ₹1 L
Waiting period
30 days
Renewability
Lifetime
Policy term
1 | 2 | 3 Years
*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.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Booster benefit
- Organ donor transplant
- ReAssure
- Live Healthy Benefit
- Second Medical Opinion
Cons
- No OPD Cover
- No Maternity Cover
- No Sleep Disorder Covered
- No Suicide Cover
- No War Injury Cover
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Covered
- Day-care treatment Covered
- OPD charges Not covered
- Covid-19 treatment Covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Covered
- Automatic restoration of SI Covered
- Daily hospital cash Covered
Family & special care
- Maternity cover Not covered
- New-born baby cover Not covered
- IVF treatment Not covered
- AYUSH treatment Covered
- Organ donor expenses Covered
Modern & preventive care
- Modern treatment Covered
- Road ambulance Covered
- Air ambulance Covered
- E-consultation Not covered
- Health check-up Covered
- Second medical opinion Covered
- Vaccination Not covered
Conditions & global
- Co-payment Not Applicable
- Sub-limits Applicable
- Compassionate travel Not covered
- Global coverage Not covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
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What Makes this Plan Unique?
-
Unlimited Restoration Benefits
Receive complete restoration of your sum insured even after a claim.
-
No Co-payment
No out-of-pocket expenses; your health insurance provider covers the entire treatment cost.
-
No Limit on Room Rent
Freedom to choose any hospital room (single, deluxe, or sharing).
-
Bonus for Being Healthy and Not Claiming Insurance
Your sum insured increases by 50% annually for maintaining good health and not making a claim.
-
Free Health Check-up
Receive free annual health check-ups to monitor your well-being.
-
Covers Alternate Medicine
Coverage for alternative treatments like Ayurveda, Homoeopathy, and other recognized systems.
Niva Bupa Health Insurance Network Hospital List
Niva Bupa Health Insurance Network Hospitals are present in 31 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.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- The Niva Bupa Health ReAssure plan has specific treatments and conditions that are not covered. These include:
- Permanent exclusions under this plan are:
- OPD treatments
- Sex change treatment
- Hormone replacement therapy, cosmetic, and plastic surgery
- Dental/oral treatments
- Sleep disorders
- Alcohol/drug or substance abuse
- Sexually Transmitted Diseases (e.g., HIV)
- Self-inflicted injuries or attempted suicide
- Adventurous or Hazardous Sports
- Certain diseases and treatments are covered after specific waiting periods:
- Listed ailments after 2 years
- Pre-existing diseases after 3 years
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Entry Age: - 18 Years
- Max Entry Age: - No Age Limit
- SI: - 3 L to 1 Cr
- Waiting Period: - 30 Days
Other features & benefits
Niva Bupa ReAssure Plan Riders
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 their needs and enhance their basic coverage.
-
Personal Accident Cover
Provides coverage for accidental death, permanent total disability, permanent partial disability, and temporary total disability.
-
Hospital Cash
Receive a daily allowance for up to 30 days of hospitalization, provided hospitalization exceeds 48 hours.
-
Safeguard
This rider offers three key benefits: Claim Safeguard (covers non-payable items up to the sum insured), Booster Benefit Safeguard (no impact on booster benefit if claim is less than ₹50,000 in a policy year), and Sum Insured Safeguard (Consumer Price Index-linked increase in base sum insured).
Niva Bupa Health ReAssure Plan: FAQs
The 10 most-asked questions about Niva Bupa ReAssure Plan, answered.
The cash benefit limit under Niva Bupa Reassure (formerly known as Niva Bupa ReAssure) Shared Accommodation Cash Benefit are: For SI up to 15L: INR 800 per day; (Nivaimum 4,800) For SI above 15L: INR 1,000 per day; (Nivaimum 6,000)
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: Complete blood count, Urine Routine, Erythrocyte Sedimentation Rate (ESR), Fasting Blood Glucose, Electrocardiogram, S Cholesterol, Complete Physical Examination by Physician, Post prandial / lunch blood sugar (PPBS / PLBS), Uric Acid, Lipid Profile, Kidney function test, Serum Vitamin D, Serum Electrolytes, HbA1C, Thyroid profile (TSH), Liver Function Test (LFT), Treadmill test (TMT) and Ultrasound test.
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.
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