About Niva Bupa ReAssure 2.0 Plan
Niva Bupa ReAssure 2.0 is a pro-customer health insurance plan that offers comprehensive coverage with several unique benefits, such as ReAssure Forever, Lock the Clock, Booster+, Safeguard+, etc. It covers hospitalization expenses along with ambulance charges, home care expenses, AYUSH treatments, e-consultations, etc.
Niva Bupa ReAssure 2.0 Plan: Key Highlights
| Categories | Specifications |
|---|---|
| Sum Insured | Rs 5 lakh to Rs 1 crore |
| Plan Types | Platinum+, Titanium+ |
| Pre-existing Diseases Waiting Period | 3 years |
| Discount | Up to 30% live healthy discount |
or select from popular citiessReAssure 2.0 Platinum+ Features
Search ReAssure 2.0 Platinum+ Cashless Network Hospital list
Key Benefits of Niva Bupa ReAssure 2.0 Plan
Niva Bupa ReAssure 2.0 Plan: Inclusions, Exclusions & Optional Cover
-
In-patient CareIt covers the cost of any hospitalization with admission for 2 hours or more, including ICU stay.
-
Pre-hospitalization ExpensesIt pays for the medical expenses incurred for up to 60 days before getting hospitalized.
-
Post-hospitalization ExpensesIt covers the medical expenses incurred for up to 180 days after being discharged from the hospital.
-
Modern TreatmentsIt pays for the cost of 12 modern treatments, including robotic surgeries, oral chemotherapy, immunotherapy, deep brain simulation, etc.
-
Day Care TreatmentsIt covers the cost of all day care treatments, including the various dental, ENT and other procedures.
-
Road AmbulanceIt pays for the cost of road ambulance services availed to transport the insured to the hospital.
-
Dental TreatmentsIt does not pay for any dental treatments unless required after an accident or cancer.
-
Obesity and Weight Control TreatmentsIt does not cover the cost of surgery required for the treatment of obesity or excessive weight.
-
Maternity ExpensesIt does not pay for the medical expenses resulting from pregnancy or childbirth.
-
Treatments for Alcohol or Drug AddictionIt does not cover the cost of treating alcohol or drug addiction and its consequences.
-
Hazardous or Adventure SportsIt does not pay for any treatment required due to participation in hazardous or adventure sports.
-
Infertility and SterilityIt does not cover the cost of treating infertility and sterility.
-
Disease ManagementThis variant of the Smart Health+ rider offers day 1 coverage for hypertension & diabetes along with up to 20% savings on the renewal premium.
-
Acute CareThis variant of the Smart Health+ rider offers unlimited teleconsultations with doctors of Apollo 24x7, including general physicians and medical specialists. It also covers the cost of medicines and diagnostic tests up to the specified limits.
-
Pre-existing Disease Waiting Period ModificationIt enables the insured to reduce or completely remove the pre-existing disease waiting period.
-
SafeguardIt covers the cost of non-payable items, protects the sum insured from inflation and safeguards the booster+ benefit from the impact of a claim.
-
Safeguard+It enhances the coverage offered under the safeguard cover as it covers more number of non-payable items, safeguards the booster+ benefit from claims up to a higher limit and protects the sum insured from inflation.
-
Personal AccidentIt pays compensation in case the insured suffers from accidental death, permanent total disability and permanent partial disability.
In case of emergency we are just a call away. Take care of your family, we will do the rest. Our claim specialists will reach your location & complete the formalties from filing the claim to documentation to coordinating with insurer, TPA & hospital. Available in New Delhi and 114+ cities View cities list ›Policybazaar Claim Process
Explore Other Health Insurance Plans
Niva Bupa ReAssure 2.0 Plan: FAQs
-
Q. Will my premium remain the same after I raise a claim under Niva Bupa ReAssure 2.0?
Ans: No. The premium of your Niva Bupa ReAssure 2.0 policy will be charged as per your current age as the ‘Lock the Clock’ feature is applicable only if no claims have been raised. Once a claim is raised, this feature ceases to exist.
-
Q. How many times can I avail the ‘ReAssure Forever’ benefit under Niva Bupa ReAssure 2.0?
Ans: Once the ‘ReAssure Forever’ benefit has been triggered with your first claim, you can avail it unlimited times in the lifetime of your Niva Bupa ReAssure 2.0 policy.
-
Q. Can I opt for both Safeguard and Safeguard+ cover under the Niva Bupa ReAssure 2.0 plan?
Ans: No. You can either opt for the Safeguard cover or the Safeguard+ cover under your Niva Bupa ReAssure 2.0 plan at a given point in time.
-
Q. What is the advantage of selecting a policy with a duration of more than 1 year?
Ans: If one buys Aditya Birla Health Insurance for more than a year, one can save 7.5 % and 10% on the 2 and 3 years premium, respectively.
-
Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
-
Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
-
Q. What is a waiver of a mandatory co-pay cover?
Ans: This benefit is covered on payment of an additional premium. Therefore, any mandatory co-payment that is applicable under the Aditya Birla Activ Health Essential Plan will be waived off.
Niva Bupa Health Insurance offers two types of claim settlements – cashless and reimbursement. Follow the steps to raise a claim:
- Find the nearest network hospital of Niva Bupa Health Insurance
- Get admitted to the hospital
- Notify the insurance company about the hospitalization
- In case of pre-planned hospitalization, intimate the insurer before hospital admission.
- Fill up the pre-authorization form and submit it to the hospital staff
- The pre-authorization form will be sent to Niva Bupa Health Insurance for approval.
- Once approved, obtain medical treatment.
- At the time of discharge, sign all the medical documents.
- Pay for the items/services not covered under the Niva Bupa Health Insurance policy
- The network hospital will send the hospital bill to Niva Bupa Health Insurance.
- After review, the insurance company will pay the bill amount directly to the network hospital.
- Inform the insurance company about the hospitalization
- In case of planned hospitalization, notify the insurer before hospital admission.
- Receive medical treatment
- At the time of discharge, pay the entire hospital bill in full.
- Collect all the medical documents, bills and payment receipts
Our Claim specialists in below cities will reach your hospital or home in 30 minutes to support your health insurance claim
