Network hospitals
10263+
Incurred claim ratio
100%
Sum insured
Up to 2 Cr
No. of Plans
1
Solvency Ratio
1.7
Pan India Presence
320+
A plan that keeps giving you more.
Niva Bupa Health ReAssure is specially designed to protect you and your family during medical emergencies. It gives a comprehensive coverage up to 1 crore. Now, you do not need to worry about 'who will take you to the hospital', as this plan covers ambulance charges, both air and road ambulance. You can add up to 6 members in this plan. This plan offers a whole host of benefits with unlimited restoration. This means that whenever you are hospitalised and some part of your sum insured is used, then the plan will restore the full cover amount.
Have a look below to understand the main features of the Niva Bupa ReAssure Plan.
To understand Niva Bupa ReAssure Plan Insurance in detail, take a look at the below table:
18 years
Individual and Family Health Insurance
3L | 4L | 5L | 7.5L | 10L | 12.5L | 15L | 20L | 25L | 50L | 75L | 1 Cr
30 Days
Lifetime
1 | 2 | 3 Years
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Read more specifications in the brochure.
With wide coverage options available, Niva Bupa ReAssure Plan Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Covered
Daycare Treatment
Covered
OPD Charges
Not Covered
COVID-19 Treatment
Covered
Cataract
Covered
No Claim Bonus
Covered
Automatic Restoration
Covered
Daily Hospital Cash
Covered
Organ Donor
Covered
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Ambulance
Covered
Air Ambulance
Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
E-Consultation
Not Covered
Health Check-Up
Covered
Second Medical Opinion
Covered
Vaccination
Not Covered
Co-payment
Not Applicable
Sub-limits
Applicable
The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).
It is a special hospital department where patients with serious medical conditions are treated.
Medical expenses incurred before hospitalisation of the policyholder.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.
Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .
It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.
A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.
For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.
It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.
Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.
It refers to the cover that includes expenses for normal and c-section deliveries.
It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:
Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.
An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.
Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.
If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.
In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.
Niva Bupa Health Insurance Plan Detailed Review
All about Niva Bupa Health Insurance Company
Niva Bupa Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Niva Bupa Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Niva Bupa Health ReAssure has certain pre-determined treatments and diseases that are not covered under the plan's coverage portfolio. Take a look at few of them:
Permanent diseases or health conditions that are not included under this plan are:
OPD treatments
Sex change treatment
Therapies related to Hormone replacement, cosmetic and plastic surgery.
Dental/oral treatments
Sleep disorders
Alcohol/drug or substance abuse
Sexually Transmitted Diseases such as HIV
Self-inflicted injuries or attempted suicide
Adventurous or Hazardous Sports
Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:
Listed ailments after 2 years
Pre-existing diseases after 3 years
To enhance the coverage of your Niva Bupa ReAssure Plan, the plan offers several riders. These riders allow the policyholder to customize their plan as per their needs and enhance their basic coverage.
To cater to the different medical needs of an individual & their family, Niva Bupa Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to Niva Bupa Health Insurance plans explore more:
Critical Illness Health Insurance
Health dangers are rapidly increasing in today’s fast-paced world, which includes some chronic life-threatening diseases. Anyone can have a crit...
Unique Features
Individual and Family Health Insurance
"Introducing a health insurance that rewards you for starting young." A plan that allows you to go for overseas treatment. Several health insurance p...
Unique Features
Individual and Family Health Insurance
With all the haze of ‘this policy is not gonna work for every medical emergency’, don’t get fooled again. Niva Bupa Arogya Sanjeevan...
Unique Features
Top Up and Super Top Up
Go an extra mile for the health of your family with Niva Bupa Health Recharge Niva Bupa Health Recharge (formerly known as Max Bupa Health Recharge) i...
Unique Features
Individual and Family Health Insurance
Your Niva Bupa GoActiveTM plan has exclusive features to provide for all your health insurance needs. There could be several incidences that lead...
Unique Features
Individual and Family Health Insurance
Niva Bupa Super Saver is a comprehensive health insurance plan that consists of two separate plans- Niva Bupa Health Pulse and Niva Bupa Health Recha...
Unique Features
Individual and Family Health Insurance
Niva Bupa Money Saver health insurance plan is a combination of two separate health plans- Niva Bupa Health Companion and Niva Bupa Health Recharge. I...
Unique Features
Individual and Family Health Insurance
A plan that keeps giving you more. Niva Bupa Health ReAssure is specially designed to protect you and your family during medical emergencies. It gives...
Unique Features
Individual and Family Health Insurance
The Smart Just Got Smarter The all-new, improved and comprehensive plan that will keep you and your family, financially secure during any unexpected m...
Unique Features
Individual and Family Health Insurance
Nothing Seems Impossible A comprehensive plan that gives coverage against any medical emergency for you and your family members. One of the vari...
Unique Features
Individual and Family Health Insurance
Niva Bupa Health Premia is a comprehensive health insurance plan that offers complete coverage to an individual and their family. The plan offers wide...
Unique Features
Individual and Family Health Insurance
Go an extra mile for the health of your family with Niva Bupa Health Recharge Niva Bupa Health Pulse Plan protects you and your family's health and pr...
Unique Features
Senior Citizen Health Insurance
Niva Bupa Senior First is a senior citizen health plan packaged with features that give policyholders the assurance of good health at all times. So wh...
Unique Features
Individual and Family Health Insurance
Niva Bupa, formerly known as Max Bupa, is a leading health insurance company in India with a collaboration between Max India Limited and Bupa, a UK-ba...
Unique Features
Critical Illness Health Insurance
CritiCare, a plan that gives health and financial protection to you and your family against 20 critical illnesses! The critical illness can be contagi...
Unique Features
The cash benefit limit under Niva Bupa Reassure (formerly known as Niva Bupa ReAssure) Shared Accommodation Cash Benefit are: For SI up to 15L: INR 800 per day; (Nivaimum 4,800) For SI above 15L: INR 1,000 per day; (Nivaimum 6,000)
Live Healthy Benefit offers up to 30% discounts on renewal premiums, and encourages the policyholders to stay active and opt for a healthy lifestyle. With its Live Healthy Benefit, this plan promises to keep you motivated to stay fit so you can stay healthy and keep gaining more! Niva Bupa Health App will track your steps and will turn them into Health Points. 1 health point would be earned for every completed 1000 steps. To avail of this benefit you must download the mobile app within 30 days of the policy commencement.
Yes, the plan offers several discounts to its customers such as family discount, doctor discount, tenure discount.
Yes, under ReAssure Booster Benefit, there would be a reduction of 50% in the SI in case of claim.
Under the Niva Bupa Reassure plan, one can cover a minimum of 6 members in several combinations.
No, you are not required to undergo any medical health check-ups, however, it is always advisable to have a full body checkup prior to buying a policy. Not only it helps in keeping the check on your health, but will also avoid any unnecessary delays at the time of claim settlement.
Yes, the policy covers the expenses incurred on treatment taken at home for Chemotherapy or Dialysis.
There are no such criteria for the renewal of your policy. The plan offers guaranteed lifelong renewal with no extra loadings based on your claim history.
The list of tests covered under this benefit are: Complete blood count, Urine Routine, Erythrocyte Sedimentation Rate (ESR), Fasting Blood Glucose, Electrocardiogram, S Cholesterol, Complete Physical Examination by Physician, Post prandial / lunch blood sugar (PPBS / PLBS), Uric Acid, Lipid Profile, Kidney function test, Serum Vitamin D, Serum Electrolytes, HbA1C, Thyroid profile (TSH), Liver Function Test (LFT), Treadmill test (TMT) and Ultrasound test.
It offers you additional advantages including an increase in SI amount annually on the basis of the inflation rate, coverage for non-payable articles such as gloves, and no impact on booster benefit.
See More Health Insurance Articles
See More Health Insurance Articles
4.4
Rated by 2629 customers
Select Your Rating
Let us know about your experience or any feedback that might help us serve you better in future.
An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Travelling and writing are her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and seamlessly solves the reader’s query.
You May Also Know About
Our experts will provide you with guidance and address all your concerns within 30 minutes.
Note: Choose your desired date and time slot and our expert will get in touch with you shortly.
In case you have not found your desired slot, you can visit at website and use the Request Call Back option.
You are just one step away from getting insurance.
Policyx offers a completely spam-free experience. We will never contact you unless you request us to do so.
Your call has been scheduled with Policyx for health insurance.
Talk to an advisor
February 5, 2023
Asia/Kolkata
Do you have any thoughts you’d like to share?