*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
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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. The plan also offers day 1 coverage for diabetes & hypertension with the Smart Health+ rider and comes with the option to fully remove the pre-existing disease waiting period.
|Sum Insured||Rs 5 lakh to Rs 1 crore|
|Policy Tenure||1 year|
|Plan Types||Platinum+, Titanium+|
|Incurred Claim Ratio (2021-22)||62.12%|
|Pre-existing Diseases Waiting Period||3 years|
|Specific Diseases Waiting Period||2 years|
|Initial Waiting Period||30 days|
|Discount||Up to 30% live healthy discount|
Take a look at the key benefits of buying the Niva Bupa ReAssure 2.0 plan:
The insured can avail unlimited sum insured for the lifetime of the policy even after a claim is made under the ‘ReAssure Forever’ feature of the ‘ReAssure+’ benefit. However, this health insurance plan gets activated after the first claim is made by the policyholder.
The ‘Lock the Clock’ feature under the ‘ReAssure+’ benefit allows the insured to pay the premium as per the entry age unless a claim is made by locking the age at which the policy was bought.
The Niva Bupa ReAssure 2.0 plan comes with the ‘Booster+’ benefit that allows the insured to carry forward the unused sum insured to the next policy year for a maximum of 5 to 10 times the base sum insured amount.
This plan offers coverage for any hospitalization of 2 hours or more as opposed to the general mandate for in-patient coverage that requires at least 24 hours of hospitalization to qualify as a claim.
Annual health check-up facilities are available to the insured from day 1 of the policy period on a cashless basis ensuring that any disease or medical condition is detected at the right time.
The Niva Bupa ReAssure 2.0 plan does not come with any room rent limit for in-patient hospitalization or ICU admission.
The live healthy benefit allows the insured to save up to 30% on the renewal premium by earning health points on the Niva Bupa Health app for every 1000 steps.
The Niva Bupa Health Insurance Company Limited offers cashless treatment facilities to the insured across 8600+ empanelled hospitals on its network.
Policyholders can claim tax benefits on the premium paid for buying a Niva Bupa ReAssure 2.0 plan under Sec 80D of the Income Tax Act, 1961.
Here are the eligibility criteria for buying a Niva Bupa ReAssure 2.0 plan:
|Minimum Entry Age||18 years|
|Maximum Entry Age||65 years|
|Coverage Type||Individual, family floater and multi-individual|
|Maximum No. of Family Members Covered||6|
The following coverage is included under the Niva Bupa ReAssure 2.0 plan:
The Niva Bupa ReAssure 2.0 plan excludes the following:
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