Niva Bupa Health Insurance

Niva Bupa Reassure 2.0 Plan

Niva Bupa Health Insurance

8.6/10

OneAssure Rating

85.18%
Claim Settlement Ratio
10,000
Network Hospitals

Highlighted Features

Unlimited Room Rent & ICU Coverage

Unlimited Room Rent & ICU Coverage

Covers hospital room and ICU expenses up to the sum insured, ensuring complete hospitalization flexibility.
 

Day Care Treatments Coverage

Day Care Treatments Coverage

 Covers procedures requiring hospitalization under 24 hours, like cataract surgery and chemotherapy, ensuring comprehensive treatment coverage.
 

Brochure

Policy Wording

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

Product Stats

Rating

Coverage
Claim Settlement
Hospital Network
Co-Payment
Waiting Periods
No Claim Bonus

Features of the Product

01

Room Rent (Normal & ICU)

  1. Normal: Covered Up to Sum Insured

  2. ICU: Covered Up to Sum Insured 

Learn more
02

Advanced Treatments

  1. Robotic surgeries

  2. Stem cell therapy

  3. Oral chemotherapy

  4. Deep brain stimulation

  5. Bronchial thermoplasty

  6. Intraoperative neuro monitoring (IONM)

Learn more
03

Co-payment

  1.  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.

Learn more
04

Waiting Periods

  1. Initial Waiting Period: 30 days from policy inception for all illnesses, except accidents.

  2. Specific Diseases: A 24-month waiting period applies to certain specified conditions.

  3. Pre-existing Conditions: Coverage for pre-existing diseases begins after a 36-month waiting period.

Learn more
05

Cashless Healthcare Providers

  1. Access to over 10,000 network hospitals and clinics for cashless treatments, ensuring convenient and hassle-free medical care.

Learn more
06

Day Care Treatments

  1. 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.

Learn more
07

AYUSH Treatment

  1. Expenses for alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered when availed at government-recognized institutions, promoting holistic healthcare options.

Learn more

Exclusions

Add-ons

Looking for a Specific Hospital ?

Explore Network Hospitals
alt

Why OneAssure?

Coverage That Grows with You

We help you maximize your coverage over time for stronger protection.

About the Company

Still Confused ?

Talk to Our Experts for your Insurance Assistance for FREE.

Frequently Asked Questions

Related Blogs

Blog

Niva Bupa ReAssure Vs ICICI Health Shield Vs HDFC Ergo my: Health Suraksha Gold

Difference between Niva Bupa ReAssure, ICICI Health Shield and HDFC Ergo my: Health Suraksha Gold

Blog

CA: Star Comprehensive, Niva Bupa ReAssure

Comparison between Star Comprehensive, Niva Bupa ReAssure & ICICI health shield

Blog

Best Health Insurance Company in India

Explore the best health insurance companies in India, with top benefits, cashless services, and quick claim settlement. Find the right coverage for you and your family.

Blog

Is Niva Bupa Health Insurance Good? A Detailed Company Analysis and Review

Wondering "Is Niva Bupa Health Insurance Good?" Read our expert analysis covering features, pros, cons, and real user feedback.