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Niva Bupa Health Insurance Niva Bupa Health Insurance ★ 4.4

Niva Bupa ReAssure Plan

The Niva Bupa Health ReAssure Plan provides comprehensive health cover ...Read More

Up to 1 Cr
Sum insured
1
No. of plans
320+
Pan India presence
94.4%
Claim settlement ratio
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,747 reviews
🏥 10,000+ hospitals
📊 3.03 solvency ratio
✅ 94.4% claim settlement
Written by Naval Goel
Reviewed by Manoj Kumar
Published: 27 Sep 2024
Updated: 26 Jul 2026
Expert Verified
IRDAI Licensed

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.

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

A quick look at what this plan covers — and what it doesn't.

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.

Niva Bupa Reassure - Plan Review , Benefits | Niva Bupa ReAssure Plan Details 2024 | Niva Bupa

Niva Bupa Reassure - Plan Review , Benefits | Niva Bupa ReAssure Plan Details 2024 | Niva Bupa

Niva Bupa Rise Plan 2025 | New Health Insurance Plan | Niva Bupa Health Insurance

Niva Bupa Rise Plan 2025 | New Health Insurance Plan | Niva Bupa Health Insurance

All about Niva Bupa Health Insurance Company

All about Niva Bupa Health Insurance Company

Niva Bupa Health Insurance Plan Detailed Review

Niva Bupa Health Insurance Plan Detailed Review

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.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

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

Frequently Asked Questions

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.

Explore Niva Bupa Health Insurance

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