What does Max Bupa ‘ReAssure’ Health Insurance Plan Offer?

Max Bupa ReAssure Health Insurance is a comprehensive health insurance policy that offers unlimited sum insured for all the covered hospitalization expenses including coronavirus treatment. During the time of COVID-19 pandemic, everyone is facing the trouble to avail the best healthcare services, especially people suffering from critical illnesses like cancer, organ failure, etc.  In this policy, the policyholder and the insured members can file as many medical claims to avail the best possible treatment for themselves and their loved ones. As the insurer allows filing as many claims during a year without any additional cost, under ReAssure benefit a single claim will be payable up to the base sum insured or coverage amount.

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    The claim can be filed, for the same or different illness during a policy term with no additional cost. Even if two family members are hospitalized at the same time, ReAssure benefit will be initiated by the first claim.

    Coronavirus treatment has led to an increase in awareness and demand for medical insurance cover. Max Bupa Coronavirus survey shows that 71% of people have now realized the benefits of health insurance and 57% of people now prefer to buy comprehensive health insurance plans for financial protection against medical emergencies.

    ReAssure Health Insurance promises three things during the times of COVID 19 Pandemic–

    • Assurance by providing multiple customer benefits
    • Accessibility through the network of quality hospitals across the country
    • Affordability through different financial benefits offered under this policy

    Benefits of Buying Max Bupa ‘ReAssure’ Health Insurance Plan

    One of the major benefits of buying Max Bupa ReAssure health insurance plan is that it will ensure that the policyholders and the insured family members do not fall short of coverage required for unforeseen medical expenditure towards different types of illnesses, including Coronavirus treatment. Even in case of critical illnesses cancer or kidney dialysis, where multiple hospitalizations are required in the same year, it will be quite useful to have unlimited coverage benefit in the health insurance plan.

    Here is an illustration

    For example, Rohan and his wife and children are covered under the Max Bupa ReAssure policy for a sum insured of Rs 15 Lakh on family floater basis. And if one of the needs to get hospitalized for Coronavirus treatment or any other illness covered in the insurance policy then they can claim an amount equal to Rs 15 lakh along with the ReAssure benefit getting activated.

    For the next health insurance claim, an additional amount of Rs 15 lakh per claim will be available for as many numbers as required during a policy term. Starting from the first claim the ReAssure benefit gets activated, even if more than one family member is availing hospitalization cover at the same time.

    Booster Benefit

    In addition to this Max Bupa ‘ReAssure’ Health Insurance Plan comes with a ‘Booster Benefit’ under which the sum insured amount is doubled within two claim-free years. In case no claim is filed during the policy term, then the policy sum insured will be increased by 50 per cent. And in the subsequent claim free year, there will be another addition of 50% sum insured that will make it 100% increase in the sum insured in two claim-free years.

    One of the unique benefits is that the Booster Benefit will continue even if the insured person or policyholder files claim for COVID-19 treatment. The sum insured amount will not be reduced and will continue to increase by 50% and up to a maximum of 100%.

    What is covered under Max Bupa ‘ReAssure’ Health Insurance Plan?

    Max Bupa ‘ReAssure’ Health Insurance Plan covers a wide range of illnesses and their medical treatments as listed below:

    • Sum Insured- The sum insured amount under this policy starts from Rs 3 Lakh to Rs 1 Crore
    • Modern treatment- It covers modern medical procedures like Robotic surgeries are covered with a sub-limit of only Rs 1 Lakh
    • Air ambulance cover- The benefit can be availed up to Rs 2.5 Lakh in case of reimbursement claims and up to the sum insured limit in case of cashless claims
    • 100 per cent coverage of medical expenses- The policy covers medical expenses along with the cost of consumable items that are usually not covered. You can claim for the cost incurred on PPE kits or Personal Protective Equipment Kit, Masks, Gloves, Oxygen during coronavirus treatment under the Safeguard Benefit. It helps in minimizing any out of pocket expenses during hospitalization
    • Inflation Protection- Safeguard benefit also increases the base sum insured on a cumulative basis every year as per the CPI inflation rate
    • Booster Benefit- Additionally, this policy also offers booster benefits with no impact on the sum insured if claim amount in a year does not exceed Rs 50,000
    • Domiciliary Hospitalization Cover- This comprehensive health insurance policy also covers the medical treatment expenses taken at home as advised by the medical practitioner
    • Shared Accommodation Cash Benefit- The limit of this benefit differs on the basis of the sum insured amount i.e. Rs 1000 per day for base cover up to Rs 5 Lakh, Rs 2000 per day for base cover up to Rs 7.5 Lakh, and Rs 4000 per day for the base cover above Rs 15 Lakh
    • Second Medical Onion Cover- Unlike other policies you can file a claim for second medical opinion expenses if it requires hospitalization
    • Optional Personal Accident Cover- You can pay an additional premium to get personal accident cover up to Rs 1 Crore or 5 times of the base sum insured amount

    Special Discounts under Max Bupa ‘ReAssure’ Health Insurance Plan

    Max Bupa ‘ReAssure’ Health Insurance Plan also offers multiple discounts:

    • The policyholder can avail up to 30% discount the time of renewal under ‘Live Healthy’ benefit just by taking steps
    • 5% discount is offered to the doctors
    • 10% discount is offered in case more than two members are insured under an individual policy
    • 5 % discount is provided on second year’s premium for a two-year policy
    • You can avail an additional 15% discount on third year’s premium for a three-year policy


    Clearly, during the times of Coronavirus people are more aware of health insurance, and its needs and the purpose it serves. Not only COVID-19 treatment, but Max Bupa ‘ReAssure’ Health Insurance Plan caters to people who are battling life due to serious illnesses like cancer.  If you do not have health insurance or are planning to renew or buy one, this health insurance policy can be a prudent choice during this pandemic.

    Written By: PolicyBazaar - Updated: 28 June 2021
    Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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