Niva Bupa Family Health Insurance Plan
Niva Bupa Health Insurance
7.6/10
OneAssure Rating
7.6/10
OneAssure Rating
Highlighted Features
Unlimited Room Rent
No cap on room rent for normal and ICU hospitalization, ensuring maximum flexibility, comfort, and financial security for policyholders without any restrictions on hospital room expenses.
Cutting-Edge Advanced Treatments Coverage
Covers robotic surgeries, immunotherapy, stereotactic radio surgeries, stem cell therapy, and more, ensuring access to the latest medical advancements for critical illnesses.
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Our Verdict
Niva Bupa ReAssure is ideal for individuals and families seeking high coverage with unlimited reinstatement and carry-forward benefits. While premiums may be high, its inflation protection and add-ons ensure long-term security.
About the Plan
The Niva Bupa ReAssure Health Insurance Plan offers comprehensive coverage for individuals and families, including in-patient care with no room rent cap, pre/post-hospitalization, daycare, domiciliary, organ transplants, AYUSH treatments, and ambulance services. Key benefits include ReAssure+ (unlimited sum reinstatement), Booster+ (coverage carry-forward up to 10x), and Live Healthy (30% renewal discount). Optional add-ons cover disease management and inflation protection. The policy offers ₹3 lakh to ₹1 crore sum insured, available for 1-3 years, covering up to six family members.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
Normal: No Limit
ICU: No Limit
Advanced Treatments
Robotic Surgeries
Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Deep Brain stimulation
Oral chemotherapy
Immunotherapy- Monoclonal Antibody to be given as injection
Intra vitreal injections
Stereotactic radio surgeries
BronchicalThermoplasty
Co-payment
20% of co-payment is covered.
Waiting Periods
Initial Waiting Periods- 30 Days
Specific Treatments -24 Months
Pre-Existing Diseases- 36 Months
Cashless Healthcare Providers
10,000+ Healthcare Providers
Day Care Treatments
The Day Care Treatment would be covered if the Insured Person is admitted for more than 2 hours and would also cover treatment taken for Angiography, Dialysis, Radiotherapy or Chemotherapy for cancer.
AYUSH Treatment
Covers treatments under Ayurveda, Unani, Siddha, and Homeopathy systems.
Exclusions
Expenses related to weight management or obesity treatments.
Procedures associated with gender transition.
Surgeries aimed at enhancing appearance without medical necessity.
Injuries resulting from participation in dangerous sports or activities.
Medical expenses arising from substance misuse or addiction.
Treatment of conditions present from birth, unless specified otherwise.
Routine dental procedures unless necessitated by an accident.
Expenses related to assisted reproduction or fertility treatments.
Costs associated with childbirth and related complications, unless covered under a specific benefit.
Injuries or illnesses due to war, riots, or nuclear hazards.
Exclusions
Personal Accident Cover - Provides a lump sum benefit for accidental death, permanent total disability, and permanent partial disability.
Booster+ Advantage - Allows accumulation of unused base sum insured for subsequent policy years, up to 5 or 10 times, depending on the chosen variant.
Safeguard+ - Covers all non-payable items listed in the Non-Payables Annexure and protects the Booster+ benefit if claims within a policy year are below ₹1 lakh.
Tiered Network Add-on - Offers access to a specified network of hospitals with potential premium discounts.
Inflation Shield - Adjusts your sum insured annually based on the Consumer Price Index, ensuring your coverage keeps pace with inflation.
Add-ons
Looking for a Specific Hospital ?
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About the Company
Niva Bupa Health Insurance, formerly known as Max Bupa Health Insurance, is a prominent health insurance provider in India. It is a joint venture between Bupa, a UK-based healthcare services expert, and True North, an Indian private equity firm. The company offers a diverse range of health insurance plans tailored to meet the varying needs of individuals and families. Their policies are designed to provide comprehensive coverage, ensuring financial protection against unforeseen medical expenses.
One of their notable offerings is the ReAssure 2.0 Health Insurance Policy, which covers a wide array of medical expenses, including hospitalization, surgeries, doctor consultations, and post-hospitalization care. With a network of over 10,000 trusted healthcare providers across India, Niva Bupa ensures that policyholders have access to quality medical care when needed. Their commitment to customer satisfaction is evident through streamlined claim processes and wellness benefits, aiming to deliver peace of mind and financial security during medical emergencies.
In June 2024, Niva Bupa announced plans to raise $360 million through an initial public offering (IPO), potentially valuing the company at up to $2.5 billion.
This move underscores their growth trajectory and commitment to expanding their services in the Indian health insurance market.
Krishnan Ramachandran serves as the Managing Director and CEO of Niva Bupa Health Insurance Company Limited. With over 24 years of experience in the health insurance, healthcare, and life sciences industries, Mr. Ramachandran has previously held leadership positions at Apollo Munich Health Insurance Company Limited and Apollo DKV Insurance Company Ltd.
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