Niva Bupa ReAssure 2.0 Plan

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*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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      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. 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.

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      Niva Bupa ReAssure 2.0 Plan: Key Highlights

      Categories Specifications
      Sum Insured Rs 5 lakh to Rs 1 crore
      Policy Tenure 1 year
      Plan Types Platinum+, Titanium+
      Network Hospitals 8600+
      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

      Benefits of Niva Bupa ReAssure 2.0 Plan

      Take a look at the key benefits of buying the Niva Bupa ReAssure 2.0 plan:

      1. Unlimited Sum Insured Forever 

      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.

      2. Lock the Clock

      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.

      3. Unlimited Carry Forward of Unused Sum Insured

      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.

      4. Coverage for Hospitalization of a Minimum of 2 hours

      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. 

      5. Annual Health Check-ups from Day 1

      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.

      6. No Room Rent Limit

      The Niva Bupa ReAssure 2.0 plan does not come with any room rent limit for in-patient hospitalization or ICU admission.

      7. Live Healthy Benefit

      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.

      8. Cashless Treatment

      The Niva Bupa Health Insurance Company Limited offers cashless treatment facilities to the insured across 8600+ empanelled hospitals on its network. 

      9. Tax Benefits

      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. 

      Niva Bupa ReAssure 2.0 Plan Eligibility Criteria

      Here are the eligibility criteria for buying a Niva Bupa ReAssure 2.0 plan:

      Parameters Eligibility Criteria
      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
      Renewability Lifelong

      Inclusions of Niva Bupa ReAssure 2.0 Plan

      The following coverage is included under the Niva Bupa ReAssure 2.0 plan:

      • In-patient Care – It covers the cost of any hospitalization with admission for 2 hours or more, including ICU stay.
      • Pre-hospitalization Expenses – It pays for the medical expenses incurred for up to 60 days before getting hospitalized.
      • Post-hospitalization Expenses – It covers the medical expenses incurred for up to 180 days after being discharged from the hospital.
      • Modern Treatments – It pays for the cost of 12 modern treatments, including robotic surgeries, oral chemotherapy, immunotherapy, deep brain simulation, etc.
      • Day Care Treatments – It covers the cost of all day care treatments, including the various dental, ENT and other procedures. 
      • Road Ambulance – It pays for the cost of road ambulance services availed to transport the insured to the hospital.
      • Air Ambulance – It covers the cost of air ambulance services availed for emergency transportation of the insured.
      • AYUSH Treatment – It pays for the treatments taken through the AYUSH system of medicines, provided the insured has been admitted for at least 24 hours. 
      • Home Care/ Domiciliary Hospitalization – It covers the cost of medical treatments taken at home, which would normally require care and treatment at a hospital.
      • Organ Donor – It pays for the cost of harvesting the organ of a donor in case the insured is undergoing an organ transplant surgery.
      • Annual Health Check-up – It covers the medical expenses incurred on annual preventive health check-ups of the insured from day 1 of the policy tenure. 
      • Shared Accommodation Cash Benefit – It pays a daily cash amount to the insured for each day of hospitalization if he/she opts to stay in a shared hospital room.
      • Second Medical Opinion – It covers the cost of taking a second medical opinion from a doctor for any illness or medical condition once in a policy year.
      • E-consultation – It covers the cost of availing unlimited e-consultations from doctors and medical professionals within the network of the insurance company. 

      Optional Covers:

      • Disease Management - This variant of the Smart Health+ rider offers day 1 coverage for hypertension & diabetes along with up to 20% savings on the renewal premium. 
      • Acute Care – This 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 Modification – It enables the insured to reduce or completely remove the pre-existing disease waiting period.
      • Safeguard – It 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 Accident – It pays compensation in case the insured suffers from accidental death, permanent total disability and permanent partial disability.
      • Hospital Cash – It pays a fixed cash amount to the insured for each day of hospitalization for a maximum of 30 days.
      • Room Type Modification – It allows the insured to choose a hospital room category as per choice for all hospitalizations in the future.
      • Annual Aggregate Deductible – It enables the insured to pay a fixed deductible amount annually during claims after which the claim amount is fully paid by the insurance company.
      • Co-payment – It ensures that the insured pays a fixed percentage of the claim amount during claim settlement while the insurance company pays the remaining amount.

      Exclusions of Niva Bupa ReAssure 2.0 Plan

      The Niva Bupa ReAssure 2.0 plan excludes the following:

      • Dental treatments (except those resulting from accidents or cancer)
      • Obesity or weight-control treatments
      • Maternity expenses
      • Treatments for alcohol or drug addiction or its consequences
      • Hazardous or adventure sports
      • Infertility and sterility
      • Cosmetic or plastic surgery
      • External congenital anomaly
      • Artificial life maintenance
      • Unproven treatments

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