Niva Bupa ReAssure Plan

Overview

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, and 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, including unlimited restoration. This means that whenever you are hospitalised and a 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.

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.

Exclusions

The Niva Bupa Health ReAssure plan has specific treatments and conditions that are not covered.

Permanent Exclusions

• 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

Waiting Period Exclusions

Certain diseases and treatments are covered only after specific waiting periods:

• Listed ailments after 2 years
• Pre-existing diseases after 3 years

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 the claim is less than ₹50,000 in a policy year.
  • Sum Insured Safeguard: Consumer Price Index-linked increase in the base sum insured.