Niva Bupa Health Insurance (formerly known as Max Bupa Health Insurance) offers the ReAssure 2.0 Health Insurance Policy, a comprehensive health insurance plan designed to meet the diverse medical needs of individuals and families. This policy offers comprehensive coverage, including hospitalization, pre- and post-hospitalization expenses, modern treatments, etc. The Niva Bupa ReAssure 2.0 plan has five different variants, with the sum insured option of up to 1 crore at affordable premium rates. This policy provides a strong financial safety net, protecting you and your family from unexpected medical expenses. The five variants of Niva Bupa Reassure 2.0 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 three times the base cover and get hospitalisation coverage for two 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.
Highlights of Niva Bupa Reassure 2.0 Plan
Below are the highlights of the Niva Bupa Health Reassure 2.0 Insurance Policy:
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Entry Age
Adult: 18 Years to 65 Years
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Renewability
Lifelong
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Policy Type
Individual and Family Floater
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Sum Insured
5L, 7.5L, 10L, 12.5L, 15L, 20L, 25L, 50L, 75L, 1 Cr
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Policy Term
1, 2, 3 Years
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Waiting Period for Pre-Existing Disease
3 Year
Eligibilities to buy Niva Bupa ReAssure 2.0 Insurance Policy
Below is the eligibility of the Niva Bupa ReAssure 2.0 Health Insurance:
- Individual
- Family Floater
Entry Age: 18 Years to 65 Years
Entry Age: 18 Years to 65 Years
Policy Term: 1,2,3 Years
No. of Covered Member: 5 Members
Child: 91 Days to 25 Years
No. of Covered Members: 6 Members
Niva Bupa Reassure 2.0 Plan Coverage Benefits
Niva Bupa Reassure 2.0 health insurance comes in five different variants and offers various coverage benefits to its policyholders. Below are the coverage benefits offered under the Niva Bupa Reassure 2.0 Plan:
- 5 Lac
- 7.5 Lac
- 10 Lac
- 12.5 Lac
- 15 Lac
- 20 Lac
- 25 Lac
- 50 Lac
- 75 Lac
- 1 Cr
Room Rent
Up to the INR 4,800
Up to the INR 4,800
Up to the INR 4,800
Up to the INR 4,800
Up to the INR 4,800
Up to the INR 6K
Up to the INR 6K
Up to the INR 6K
Up to the INR 6K
Up to the INR 6K
ICU Charges
Up to the Sum Insured
Pre-Hospitalization
Covered up to 60 Days
Post-Hospitalization
Covered up to 180 Days
Domiciliary Hospitalization
Covered up to Sum Insured
Home Care Treatment
Covered up to Sum Insured
Daycare Treatments
Covered up to Sum Insured
Covid-19 Treatment
Covered
No Claim Bonus
Available up to 100% of SI
Automatic Restoration
Unlimited
Organ Donor
Covered up to SI
AYUSH Treatment
Covered up to SI
Modern Treatment
Covered up to INR 1 Lakh
Ambulance Cover
Covered up to SI
Air Ambulance
Covered up to INR 2.5L per hospitalization
Health Checkup
Available
Sub-Limit
Applicable
E-consultation
Unlimited e-consultation
Second Medical Opinion
Once in a policy year
Coverage after Waiting Period
Given below are the coverage benefits offered under the Niva Bupa Reassure 2.0 insurance policy after a certain waiting period:
| Coverage Benefits | Waiting Period |
|---|---|
| Initial Waiting Period | 30 Days |
| Pre-Existing Diseases | 36 Months |
| Specific Diseases | 24 Months |
Niva Bupa Reassure 2.0 Health Insurance Plan Exclusion
Below is the list of diseases and conditions not covered under the Niva Bupa Health Reassure 2.0 Plan:
- Investigation & Evaluation
- OPD treatment
- Unproven Treatments
- Unrecognized Physician or Hospital
- Breach of the law
- Conflict & Disaster
- Excluded Providers
- Hazardous or Adventure sports
- Change-of-Gender treatments
- Hormone Replacement Therapy
- Cosmetic or plastic Surgery
- Sleep disorders
- Treatment for alcoholism
- Drug or substance abuse or any addictive condition
- Dental/oral treatment
- Sterility and Infertility
- Maternity Expenses
- Circumcision
- External Congenital Anomaly
- Sexually transmitted Infections & diseases(STIs & STDs)
- HIV / AIDS
- Intentional self-inflicted Injury or attempted suicide
Network Hospitals
Niva Bupa ReAssure 2.0 Health Insurance Additional Benefits
Niva Bupa ReAssure 2.0 Plan offers several additional benefits to enhance its basic coverage. Policyholders can enhance their basic coverage and customize their plans per their needs. Below are some additional benefits offered under the Niva Bupa ReAssure 2.0 Plan:
Hospital Daily Cash
If your hospitalization exceeds 48 hours, you can get a daily allowance of up to 30 days with this add-on rider. You can get your Hospital Daily Cash as mentioned below:
- Up to INR 5 Lac SI: INR 1K/day
- 7.5 Lacs to 15 Lacs SI: INR 2K/day
- Above 15 Lacs SI: INR 4K/day
Personal Accident Cover
You can get coverage of 5 times the base sum insured, up to a maximum of 1 crore against the mishaps mentioned below, by adding this add-on cover:
- Accidental Death
- Permanent & Total Disability
- Permanent Partial Disability
- Temporary Total Disability.
Safeguard Benefit
Safeguard benefit benefits policyholders in the below-mentioned ways:
- Claim safeguard: The policyholders will get coverage for the non-payable items up to the sum insured amount.
- Booster Benefit Safeguard: The booster benefit will not be affected if your claim in a policy year is less than INR 50K.
- Sum Insured Safeguard: The Sum Insured safeguard cumulatively increases the Base Sum Insured every insurance year based on the inflation rate. The Consumer Price Index (CPI) of the Central Statistical Organization (CSO) for the entire year will be used to calculate the Inflation Rate. Under this additional cover, the sum insured can expand without a maximum cap.
Safeguard + Benefit
Safeguard benefit benefits policyholders in the below-mentioned ways:
- Claim safeguard: The policyholders will get coverage for the non-payable items up to the sum insured amount.
- Booster Benefit Safeguard: The booster benefit will not be affected if your claim in a policy year is less than INR 1 Lakh.
- Sum Insured Safeguard: The Sum Insured safeguard cumulatively increases the Base Sum Insured every insurance year based on the inflation rate. The Consumer Price Index (CPI) of the Central Statistical Organization (CSO) for the entire year will be used to calculate the Inflation Rate. Under this additional cover, the sum insured can expand without a maximum cap.
Annual Health Checkup
The insured person will get an annual health checkup for the specified list of tests up to INR 500 for each 1 Lakh of the insured amount (Individual policies: maximum INR 5K per Insured; Family Floater policies: maximum INR 10K per policy).
ReAssure+
In this benefit, the premium amount will remain the same at the time of renewal till a claim is paid.
Live Healthy Discount
Policyholders can earn a 30% discount at renewal by walking. Every 1000 steps give you one point, and you can earn a discount based on your points.
Booster+
Booster+ benefits allow you to carry forward the sum insured that has not been utilized. The booster+ benefit offers 5X and 10X options. Under the 5X option, the unutilized Base Sum Insured carries forward to the next policy year, a maximum of up to 5 times the Base Sum Insured. Under the 10X option, the unutilized Base Sum Insured carries forward to the next policy year, a maximum of up to 10 times the Base Sum Insured.
