
Niva Bupa Reassure 2.0 Platinum Policy And Plan
Niva Bupa Health Insurance
7.0/10
OneAssure Rating
7.0/10
OneAssure Rating
Highlighted Features

Unlimited Room Rent
No cap on room rent for both normal and ICU stays, allowing policyholders to choose hospital rooms freely without financial concerns.

Advanced Treatments Coverage
The plan covers modern medical procedures like robotic surgeries, stereotactic radiosurgery, immunotherapy, deep brain stimulation, and more, ensuring access to cutting-edge healthcare without additional financial burden.
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Our Verdict
ReAssure 2.0 Platinum+ suits those seeking high, unrestricted coverage with unlimited restoration and sum carry-forward. No co-payment or sub-limits ensures comprehensive care, though premiums may be higher for extensive benefits.
About the Plan
The ReAssure 2.0 Platinum+ Plan by Niva Bupa offers ₹5 lakh to ₹1 crore coverage with no co-payment and no disease-wise sub-limits. It features Unlimited Restoration, Booster+ Benefit (carrying forward unused sum insured), and No Room Rent Restrictions. Covers domiciliary hospitalization, pre/post-hospitalization, AYUSH treatments, and includes annual health check-ups from day one, second medical opinion, and unlimited e-consultations. Optional add-ons like Hospital Cash and Personal Accident Cover enhance financial protection, ensuring comprehensive healthcare security.
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 the co-payment is covered.
Waiting Periods
Initial Waiting Period- 30 Days
Specific Treatments -24 Months
Pre-Existing Diseases- 36 Months
Cashless Healthcare Providers
10,000+ Healthcare Providers.
Day Care Treatments
Requiring hospitalization for less than 24 hours are included in the policy coverage, up to the sum insured.
AYUSH Treatment
It is covered. Covers treatments under Ayurveda, Unani, Siddha, and Homeopathy systems.
Exclusions
Injuries or illnesses resulting from terrorism, nuclear or radiological emissions, war-like situations, or rebellion.
Expenses related to screening, counseling, or treatment of external birth defects.
Use of a ventilator for patients in a vegetative state without prospects of recovery.
Diagnostic tests not leading to treatment.
Rest cures, rehabilitation, and respite care.
Obesity or weight control treatments.
Procedures for gender transformation.
Cosmetic or plastic surgeries.
Injuries from hazardous or adventure sports.
Treatment for conditions arising from unlawful acts.
Substance abuse-related treatments.
Unproven or experimental treatments.
Maternity expenses, unless specified.
Exclusions
Safeguard+ Benefit - Covers non-payable items during hospitalization, reducing out-of-pocket expenses.
Booster+ Benefit - Allows carry forward of unutilized base sum insured to the next policy year, enhancing future coverage.
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.