Niva Bupa’s ReAssure 2.0 Plan

Niva Bupa Health Insurance offers various health insurance products that can cater to your medical needs and provide you with reliable financial support. Among these plans is Niva Bupa’s ReAssure 2.0 that offers substantial coverage and various add-on benefits to give you customisation options. 

 

You can also enjoy other perks, such as unlimited e-consultations, rewards for staying healthy, annual health checkups, and more. Your organ donor expenses, hospitalisation needs, home-care treatments, alternative procedures, etc. can be covered by this policy. You can purchase the ReAssure 2.0 plan on Bajaj Markets, starting ₹434/month, including GST.-(Monthly premium is only for display will source only annual mode of payment)

Niva Bupa's ReAssure 2.0 Plan: Key Highlights

Here are the key highlights of the Niva Bupa's ReAssure 2.0 Health Insurance plan. 

• Sum Insured up to ₹1 Crore

• Pay as per age of entry until claim filing

• Booster+ to carry the unused sum insured into a new policy term

• Access to unlimited sum insured under ReAssure Forever

• Up to 30% discount on renewal as per step count on Niva Bupa Health app

Benefits of the Niva Bupa's ReAssure 2.0 Plan

Given below are the benefits you can enjoy in addition to the coverage offered by Niva Bupa’s ReAssure 2.0 policy.

1. In-patient Care (Hospitalisation)

This plan can cover the medical expenses you may incur during a hospitalisation period of more than 2 hours. This coverage includes room rent expenses (with no maximum limit), medical practitioner’s fees, pharmaceutical expenses, testing costs, OT expenses, etc. 

2. Home Care or Domiciliary Benefit

Under this benefit, you can enjoy the benefits of at-home treatments if you find that you can’t opt for hospitalisation. You can claim coverage up to the maximum sum insured. 

3. Modern Treatments

This policy can help you access advanced treatments like deep brain stimulation, robotic surgeries, oral chemotherapy, and more. The maximum coverage limit is equal to the total sum insured, subject to sub-limits and a few conditions stated in the policy document. 

4. Pre-hospitalisation and Post-hospitalisation Expenses

You can claim coverage up to the base sum insured for your pre-hospitalisation and post-hospitalisation expenses. This applies to a duration of 60 days prior to the hospitalisation and 180 days after the hospitalisation.

5. Organ Donor Expenses

This policy can cover medical expenses associated with your organ donor’s in-patient treatment required for the process of harvesting the organ for transplantation. Additionally, if you decide to be an organ donor for someone in need, you can claim financial support to have your in-patient expenses covered. 

6. Ambulance Coverage

Under this benefit, you can claim coverage for the costs of road and air ambulance services. 

7. Booster+

The unused sum insured will be carried forward to the next policy year. It can accumulate up to 10x the base sum insured. 

8. ReAssureX Benefit

If you renew your ReAssure 2.0 policy without any breaks, this benefit will remain active and allow you to access an unlimited sum insured. This benefit is triggered once the first claim is cleared and hence, it stays on forever. 

9. Lock the Clock Premiums

The sooner you get this insurance plan, the better. This benefit will trigger your policy to lock your age when you buy the insurance. This means that as you age, your premium amount will remain the same. This is applicable only until you file a claim. After that, the generic age slabs will be triggered.

10. Annual Health Check-ups

Under this benefit, you will be given a sub-limit up to which you can get medical checkups done for free. This is applicable only at network hospitals. 

11. Shared Accommodation Benefit

If your hospitalisation requires you to occupy a shared room, this policy will cover the subsequent costs in the form of a daily cash benefit. 

12. Second Opinion Coverage

If you’d like to get a second medical opinion before opting for a particular treatment or hospitalisation, this policy can offer you coverage for the costs that follow. 

13. Live Healthy Benefit

You can download the Niva Bupa Health App in order to keep a close eye on your health. As a benefit, you can get up to a 30% discount on renewals by counting your steps on this mobile application. 

14. e-Consultations

You can opt for an unlimited number of e-consultations with medical professionals from the comfort of your home. This benefit is limited to hospitals and medical facilities that come under the Niva Bupa Health Insurance network. 

15. Discounts

Here are the discounts offered by Niva Bupa’s ReAssure 2.0 policy.

• Family Discount

You can get up to 10% discount if your include two or more family members to your individual policy

• Term Discount

Get up to a 7.5% discount for a two-year policy term (for the second year’s premium only) and a discount of up to 15% for a three-year policy term. 

• Doctor Discount

If you are a certified medical practitioner, you can get a discount of up to 5% on the policy premium. 

• Live Healthy Discount

Get up to 30% discount for using the Niva Bupa Health app to track your health and fitness progress. 

Niva Bupa's ReAssure 2.0 Plan Eligibility Criteria

Here is the eligibility criteria for Niva Bupa’s ReAssure 2.0 policy.

• Minimum entry age: 91 days for children

• Minimum entry age for adults: 18 years- add maximum age 65

• Maximum entry age for dependent children: 30 years

• Relationships allowed under group/family floater plans: self, spouse, parents, parents-in-law, children, employer, and employees

 

Note: Niva Bupa’s ReAssure 2.0 offers lifetime renewability. Hence, there is no maximum limit of the age of an adult policyholder. Pertaining to family floater plans, a family unit with up to 4 children is allowed under this policy. 

Optional Covers

Here are the 4 add-ons or optional covers offered by Niva Bupa’s ReAssure 2.0.

• Hospital Cash Cover

If you are hospitalised, you can claim an additional daily hospital cash allowance from your insurer. You can utilise this money for hospital bills or personal expenses during a hospitalisation duration of 48+ hours.

• Personal Accident Cover

This optional cover can provide you compensation against an unfortunate, accidental demise and accidental disability. Any family member above the age of 18 can claim this compensation. 

• Safeguard Covers

The Safeguard add-on cover can give you direct access to various benefits. You can claim coverage for non-payable items under the Claim Safeguard benefit. You can get your entire base sum insured carried into a renewed policy year if your previous claim amount was less than ₹50,000. Another benefit includes an increase in the base sum insured on a cumulative basis depending on the medical inflation rate of the previous year. 

• Safeguard+ Cover

Much like the Safeguard cover, this add-on offers you an opportunity to claim coverage for non-payable medical items. You can carry the base sum insured into a renewed policy term if prior claims do not exceed ₹1 Lakh. Moreover, you can enjoy a cumulative increase in the base sum insured depending on the yester-year medical inflation rates. 

Exclusions of the Niva Bupa's ReAssure 2.0 Plan

Here is everything that is not covered under this policy.

1. Evaluation and Investigation

The policy will not cover day-care or in-patient hospitalisation needs for diagnosis or observation.

2. Obesity/Weight Control Treatments

Coverage will not be provided for any weight loss surgeries or treatments. Any obesity-related expenses are excluded from the policy as well. 

3. Cosmetic or Plastic Surgeries

Any cosmetic and plastic surgeries undertaken voluntarily with the intention of beautification will not be given coverage. An exception, in this case, would be the medical need for plastic or cosmetic surgery arising due to an accident or health risk. 

4. Hazardous or Adventure Sports

Injuries resulting from hazardous activities or adventure sports will not be covered under this policy. 

5. Breaching the Law

If your injuries or ailments are the direct consequence of an unlawful or illegal act, compensation or coverage will not be provided.

6. Unproven Treatments

Unproven treatments refer to procedures and medical support that do not hold sufficient evidence or research to prove their effectiveness.The claim will not be entertained if you claim coverage for unproven treatments.

7. Infertility or Sterility Treatments

This policy does not cover any contraceptive or sterilisation treatment expenses. It also excludes assisted reproduction treatments, reversal of sterilisation, and gestational surrogacy expenses. 

8. Maternity Expenses

The medical expenses of childbirth, medical termination of pregnancy, or miscarriage will not be covered under this policy. However, an exception can be made for miscarriage due to an accident and complications during delivery/caesarean surgeries. 

9. Conflict or Disaster

Your claim will not be entertained if you seek treatment for injuries or anomalies arising from nuclear attacks, war or war-like scenarios, radiological emissions, acts of armed resistance, or acts of terrorism. 

10. External Congenital Anomalies

These anomalies are visible and accessible on external body parts, for example, a cleft lip, cleft palate, etc. This policy will not cover any screenings, treatment, or counselling for such anomalies.  

11. Unrecognised Doctor or Medical Facility

If your medical treatment, advice, or prescriptions are from an unrecognised medical professional or facility, the claim will not be entertained. Any doctor or hospital you consult for your treatment should be recognised by the Medical Council of India, the Central Council of India Medicine, or the Central Council of Homeopathy.

12. Dental Treatment

Dental treatment expenses are prohibited exclusions under this policy. However, an exception can be made if the need for dental treatment arises due to accidental injuries or cancers. 

13. Treatment for Substance Abuse

Treatments for alcoholism, drug abuse, or other addictive conditions will not be covered. This also includes the medical ailments that come as a consequence of such conditions. 

14. Specified Treatments

Any treatment that includes nature cure clinics, spas, health hydros, and other related establishments will not be covered. 

15. Refractive Error

This is an eye disorder where the eyes lose the ability to focus on images registered from the outside world. Such disorders are not covered under this policy. 

16. Other Treatments

The costs of customary treatments that are not medically necessary will not be covered under this plan. Artificial life maintenance costs for a patient under vegetative state cannot be included. 

 

Note: For additional exclusions, please refer to the policy documents carefully before purchasing this policy. 

 

Disclaimer - Niva Bupa Health Insurance Company Limited (formerly known as Max Bupa Health Insurance Company Limited) (IRDAI Registration No. 145). ‘Bupa’ and ‘HEARTBEAT’ logo are registered trademarks of their respective owners and are being used by Niva Bupa Health Insurance Company Limited under license. Registered office:- C-98, First Floor, Lajpat Nagar, Part 1, New Delhi - 110024; Fax: +911141743397; Customer Helpline: 1860-500-8888; www.nivabupa.com. CIN: U66000DL2008PLC182918. For more details on risk factors, terms and conditions please read the sales brochure carefully before concluding sales.* Niva Bupa processes pre-auth requests within 30 minutes for all active policies, subject to receiving all documents and information(s) up to Niva Bupa’s satisfaction. The above commitment doesn’t include pre-authorization settlement at the time of discharge or system outage.