
Niva Bupa Reassure 2.0 Plan
Niva Bupa Health Insurance
8.6/10
OneAssure Rating
8.6/10
OneAssure Rating
Highlighted Features

Unlimited Room Rent & ICU Coverage
Covers hospital room and ICU expenses up to the sum insured, ensuring complete hospitalization flexibility.

Day Care Treatments Coverage
Covers procedures requiring hospitalization under 24 hours, like cataract surgery and chemotherapy, ensuring comprehensive treatment coverage.
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Policy Wording
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Our Verdict
Niva Bupa Reassure 2.0 provides coverage with good inbuilt features. 100% carry-over of unclaimed amount every year on renewal and no capping on room rent category are some of the attractive features. A standout feature is Lock the Clock, available in the Platinum and Titanium variants, where the premium does not increase with age until a claim is made. This is particularly beneficial for individuals starting their careers, as the policy can serve as a long-term safety net for future healthcare needs.
However, it is important not to base judgment solely on these features. Niva Bupa's claim servicing, especially for reimbursement claims, has been reported as less smooth compared to other insurers, with a high number of complaints regarding the process.
About the Plan
Niva Bupa's ReAssure 2.0 health insurance plan offers comprehensive coverage with innovative features. It provides unlimited sum insured reinstatements, ensuring continuous protection even after multiple claims. The 'Booster+' benefit allows policyholders to carry forward unused base sum insured to the next policy year, potentially increasing coverage up to 10 times. Additionally, the 'Lock the Clock' feature enables premiums to remain based on the entry age until a claim is made. This plan also offers premium discounts of up to 30% on renewal based on health points earned.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
Normal: Covered Up to Sum Insured
ICU: Covered Up to Sum Insured
Advanced Treatments
Robotic surgeries
Stem cell therapy
Oral chemotherapy
Deep brain stimulation
Bronchial thermoplasty
Intraoperative neuro monitoring (IONM)
Co-payment
The policy does not mandate a co-payment, meaning the insurer covers the full admissible claim amount without requiring the insured to pay a portion.
Waiting Periods
Initial Waiting Period: 30 days from policy inception for all illnesses, except accidents.
Specific Diseases: A 24-month waiting period applies to certain specified conditions.
Pre-existing Conditions: Coverage for pre-existing diseases begins after a 36-month waiting period.
Cashless Healthcare Providers
Access to over 10,000 network hospitals and clinics for cashless treatments, ensuring convenient and hassle-free medical care.
Day Care Treatments
Covers medical procedures that require less than 24-hour hospitalization, such as cataract surgery and chemotherapy, accommodating treatments that don't necessitate extended hospital stays.
AYUSH Treatment
Expenses for alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered when availed at government-recognized institutions, promoting holistic healthcare options.
Exclusions
Treatment for alcohol or drug abuse, self-inflicted injuries, or suicide attempts.
Injuries or illnesses arising from participation in hazardous activities or adventure sports.
Cosmetic or plastic surgery unless required due to accident, burns, or medically necessary procedures.
Treatment for infertility, sterility, or assisted reproductive procedures like IVF.
Pre-existing diseases within the waiting period specified in the policy terms.
Expenses related to weight control treatments, obesity surgery, or dietary supplements.
OPD consultations, dental treatment, and hearing aids unless specifically covered under the policy.
Treatment for congenital diseases, genetic disorders, or developmental conditions.
Hospitalization primarily for rest, rehabilitation, or diagnostic purposes without active treatment.
Exclusions
ReAssure Forever - Unlimited reinstatement of the sum insured for claims throughout the policy lifetime.
Safeguard Benefit - Covers non-payable medical expenses like consumables and inflation-based sum insured increment.
Booster+ Benefit - No reduction in accumulated benefits, even if a claim is made during the policy year.
Live Healthy Benefit - Earn rewards and discounts on renewal premiums by tracking and maintaining a healthy lifestyle.
Enhanced Global Coverage - Provides worldwide medical treatment coverage for planned and emergency hospitalization.
Hospital Cash Benefit - Additional daily cash allowance for every 24-hour hospitalization, helping cover extra expenses.
Personal Accident Cover - Provides financial protection in case of accidental death or permanent disability.
Add-ons
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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.