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Niva Bupa Reassure 2.0 Bronze Plan vs Optima Restore Plan

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Niva Bupa Reassure 2.0 Bronze Plan vs Optima Restore Plan

Niva Bupa Reassure 2.0 Bronze Plan

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 reasonabl...

Optima Restore Plan

HDFC ERGO Optima Restore Policy is the best-selling plan of HDFC ERGO since its launch. It offers comprehensive health cover to you and your family under two variants i.e. Optima Restore Individual and Optima Restore Family. The two unique advantages of HDFC ERGO health insurance optima restore are:...

PLAN DETAILS

Niva Bupa Reassure 2.0 Bronze Plan


Optima Restore Plan

Premium Including GST
Product Type Individual and Family Health Insurance Individual and Family Health Insurance
Key Features
(Key features of the plan)
  • High Sum Insured
  • Lock Your Premiums
  • Booster+ Benefit
  • Recovery benefit
  • SI restoration
  • Waiting period reduction
OPD Details
(In some policies, OPD (Out patient department) expenses are also covered.)
Covered Not Covered
Room Rent
(A limit of room rent cover during hospitalization if any)
Covered Covered
Domicillary Hospitalization
(It is the expenses incurred on treatment of the patient at home)
Covered Covered
Pre-hospitalization
(Expenses before the insured is hospitalized)
Covered Covered
Post-hospitalization
(Expenses after discharge from the hospital)
Covered Covered
Day Care Treatment Covered
(Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.)
Covered Covered
Hospital_network
(Number of Hospital Network in city)
10425 15000
Organ Donor Expenses
(Expenses incurred on organ donor in case of organ transplants)
Covered Covered
Hospital Daily Allowance
(Some plans offer daily allowance to take care of expenses like food, etc)
Covered Covered
Ambulance Charges
(Expenses incurred on ambulance charges)
Covered Covered
Maternity Benefits
(All Hospitalization cost covered at the time of pregnancy.)
Not Covered Not Covered
New Born Baby Covered
(Newborn babies can be covered under the insurance plan after a certain period)
Not Covered Not Covered
Health Checkup
(An added benefit of one time full health checkup of policy holder.)
Covered Not Covered
Sub Limit
(Sub-limit is a monetary capping that applies on specific diseases like cataract)
Applicable Not Covered
Co-pay
(Mentioned %, if any is to be borne by Insured and rest will be borne by insurer)
Applicable Not Covered
Plan Entry Age 18 to 99 years 5 to 65 years
Plan Premium Entry Age and S/A 1581 8852
Plan Waiting Period 30 30
Plan Coverage - Individual & Family floater
Plan Sample Premium 1581 8852
Plan Brochure Brochure URL Brochure URL
Policy Term 1 Year 1, 2 years
ICU Charges Covered Not Covered
Covid-19 Treatment Covered Covered
Cataract Covered Covered
Automatic Restoration Covered Covered
Ayush Treatment Covered Not Covered
Modern Treatment Covered Covered
E Consultation Covered Covered
Air Ambulance Covered Not Covered
Global Coverage Not Covered Not Covered
Claim Ratio 98 95.30
Solvency Ratio 2.55 1.68
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Know More About Plans

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 premium price. Earlier the plan had only two variants, Titanium+ and Platinum+, but with time they introduced other variants to the customers.

Read further to explore what is reassure 2.0 by Niva Bupa.

Currently, Niva Bupa Reassure 2.0 has five variants, which are:

  • Platinum+ - Carry forward the balance sum insured up to 5x of base coverage.
  • Titanium+ - Carry forward the balance sum insured up to 10x of base coverage.
  • Bronze+ - Carry forward the balance sum insured up to 3 times of base cover, and get hospitalisation coverage for 2 hours or more.
  • Gold- Carry forward the balance sum insured up to 10 times the base cover.
  • Bronze- Carry forward the balance sum insured for 3 times the base sum insured.

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.

Health Insurance Companies

Finding a reliable insurance company is as critical as purchasing suitable medical insurance plans to avail of all the expected benefits of the policy. Here are the 28 most trusted health insurance providers in India.

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