What is the ReAssure 2.0 Policy?

Niva Bupa Ressure 2.0 insurance policy is a highly beneficial individual and family floater health insurance plan in India. It comes with an array of features and benefits designed to cater to various health requirements, making it a comprehensive option for families.

Niva Bupa ReAssure 2.0 is a customer-centric health insurance plan with comprehensive coverage and unique benefits like ReAssure Forever, Lock the Clock and more. It covers hospitalization, ambulance charges, home care, AYUSH treatments and e-consultations, providing a 1-day coverage for diabetes and hypertension with the Smart Health+ rider. Additionally, it offers the option to remove the pre-existing disease waiting period.

Niva Bupa ReAssure 2.0 is a strong competitor in the Indian health insurance market, offering comprehensive coverage with unique benefits, particularly for families. It is important for potential buyers to carefully consider the plan’s features and compare them with customer service feedback before making a decision.

Types of ReAssure 2.0 Health Insurances

As mentioned above, the Niva Bupa ReAssure 2.0 health insurance policy can be broadly categorized under individual and family plans. Prospective customers can choose from the different available variants of the ReAssure 2.0 insurance plans mentioned below.

ReAssure 2.0 Platinum+ Policy

Pay premiums based on entry age until a claim is made
Includes annual health check-ups
The unused balance sum insured can be carried forward up to 5x the base cover
Unlimited use and restoration of the base coverage
Covers up to 6 family members, ranging between 5 lakh and 1 crore rupees
Premiums start from 10,519/- rupees per year

ReAssure 2.0 Titanium+ Policy

Premiums are based on entry age until a claim
Includes annual health check-up
Carry forward unused balance sums insured up 10 10x the base cover
Base coverage can be replenished indefinitely
Covers up to 6 family members, ranging between 5 lakh and 1 crore rupees
Premiums start from 10,519/- rupees per year

ReAssure 2.0 Bronze+ Policy

Offers comprehensive coverage with hospitalization for 2+ hours and health check-ups
Unused sum insured carry forward thrice
Base coverage restores unlimited times
Covers up to 6 family members, ranging between 5 lakh and 1 crore rupees
Premiums start from 10,519/- rupees per year

ReAssure 2.0 Gold Policy

Covers hospitalization for 2+ hours with annual health check-ups
Unused coverage carries forward up to 10x the base cover
Base coverage can be restored unlimited times
Covers up to 6 family members, ranging between 5 lakh and 1 crore rupees
Premiums start from 10,519/- rupees per year

ReAssure 2.0 Bronze Policy

Coverage starts from 2 hours and includes annual check-ups
Allows unused sum insured to be carried forward up to 3x the base cover
Includes annual health check-ups
Unused sum insured can be carried forward up to 3x the base cover
Base coverage can be restored unlimited times
Covers up to 6 family members, ranging between 5 lakh and 1 crore rupees
Premiums start from 10,519/- rupees per year

Niva Bupa ReAssure 2.0 Policy Specifications

Particular	Details
Product Name	Aspire
UIN	NBHHLIP24129V012324
Base Sum Insured Options	INR 3 Lakh, 5 Lakh, 7.5 Lakh, 10 Lakh, 15 Lakh, 20 Lakh, 25 Lakh, 50 Lakh, 1 Crore
Expenses in Reaching a Hospital	Up to sum insured for Road & Air Ambulance
Hospitalisation Expenses	Sum insured covers up to 2 hours of hospitalization, including AYUSH treatments (24 hours for AYUSH treatments)
Modern Treatments	Covered up to the sum insured amount
Pre and Post Hospitalisation Expenses	60 days before and 180 days after hospitalization are covered, up to the insured amount
Home Care/Domiciliary	Covered up to the sum insured amount
Organ Donor Expenses	Covered up to the sum insured amount
Annual Health Check-Up	Covered for limited cashless tests
ReAssure Forever Benefit	Unlimited claims after the first claim, each up to the base sum insured
Lock the Clock	Pay premium based on the entry age until a claim is paid (not applicable for some variants)
Booster+ Benefit	The base sum insured carries forward up to 10x based on the age and variant
M-iracle Benefit	Carries forward the unutilized sum insured for maternity, IVF, adoption, surrogacy and more, up to the Booster+ limits
M-iracle Waiting Period	9 to 48 months depending on the variant
Live Healthy Benefit	30% discount on premium at renewal
Second Medical Opinion	Unlimited network visits per policy year
E-Consultation	No limits within the network
Optional Benefits	Fast Forward, Future Ready, Borderless, Cash-Bag, Safeguard+, WellConsult, Personal Accident, Hospital Daily Cash, Annual Deductible.
Additional Information	30 Mins Claim Processing, 10k+ Network Hospitals, 24X7 Customer Service, 10L+ Claims Processed, 1Cr+ Lives Covered.

Coverage Benefits of ReAssure 2.0 Health Insurance Policy

This table summarizes the key coverage benefits of the Niva Bupa ReAssure 2.0 Health Insurance Policy, highlighting its comprehensive nature and various unique features designed to enhance customer experience and coverage flexibility.

Coverage Benefit	Details
Sum Insured Options	₹5 lakh to ₹1 crore
Policy Tenure	1 year
Network Hospitals	8,600+
Incurred Claim Ratio (2021-22)	62.12%
Pre-existing Diseases Waiting	3 years
Specific Diseases Waiting	2 years
Initial Waiting Period	30 days
Unlimited Reinstatement	Unlimited reinstatement of the sum insured amount for the same illness after the first claim
ReAssure Forever	Base sum insured available indefinitely for future claims after the first claim
Lock the Clock	Premium is based on the entry age until the first claim, then remains locked
Booster+ Benefit	The unused sum insured can be carried forward up to 10 times the base cover
Cashless Facility	Cashless treatment at network hospitals
AYUSH Treatments	Coverage for Ayurvedic, Unani, Siddha and Homeopathy treatments
Day 1 Coverage	Smart Health+ rider covers diabetes and hypertension from day one
Annual Health Check-up	Available from day one on a cashless basis.
E-Consultations	Unlimited e-consultations are available.
Second Medical Opinion	Available once per policy year.
Ambulance Charges	Covered up to ₹2.5 lakh per hospitalization.
Home Care Treatment	Covered up to the sum insured.
Domiciliary Hospitalization	Covered up to the sum insured.
ICU Charges	Covered up to the sum insured.
No Claim Bonus	Available up to 100% of the sum insured.
Modern Treatments	Covered up to ₹1 lakh.
COVID-19 Treatment	Covered.
Exclusions	Includes congenital anomalies, sexually transmitted infections, and intentional self-harm.

What’s Covered and Not Covered in the ReAssure 2.0 Policy

ReAssure 2.0 Health Insurance Inclusions

In-patient
CarePre-hospitalization Expenses
Post-hospitalization Expenses
Modern Treatments
Day Care Treatments
Road Ambulance
Air Ambulance
AYUSH Treatment
Home Care/ Domiciliary Hospitalization
Organ Donor
Annual Health Check-up
Shared Accommodation Cash Benefit
Second Medical Opinion
E-consultation
Disease Management
Acute Care
Pre-existing Disease Waiting Period Modification Safeguard
Safeguard+
Personal Accident
Hospital Cash
Room Type Modification
Annual Aggregate Deductible
Co-payment

ReAssure 2.0 Health Insurance Waiting Periods

36 months for pre-existing diseases
24 months for specific diseases
30 days of waiting period initially from the date of policy purchase

Similar Insurance Company Plans

Niva Bupa Aspire Policy

Coverage Benefits

Extensive network hospitals
Customizable coverage options
Wellness programs

Niva Bupa ReAssure 2.0

Coverage Benefits

Extensive network hospitals
Customizable coverage options
Wellness programs

Niva Bupa Senior First Policy

Coverage Benefits

Extensive network hospitals
Customizable coverage options
Wellness programs

Show All Plan

ReAssure 2.0 Health Insurance Claim Process

Below is the Niva Bupa ReAssure 2.0 health insurance claims procedure for your convenience.

Cashless Claims

Admit yourself at a Niva Bupa network hospital

Use the Niva Bupa Health Card or provide the policy number at the hospital with ID proof

The Network hospital will verify your identity and submit the pre-authorization request to the insurer

The insurer validates, reviews and confirms the network hospital by fax and email. You will be notified by text message and email. Niva Bupa usually responds within 30 minutes of filing the claim request

Finalize the insurance claim settlement with the hospital after completing the formalities

Reimbursement Claim Process

Notify the insurer within 48 hours of admission in its network or non-network hospital. Pay the amount directly to the hospital.

Get your documents after leaving the hospital for reimbursement

Send the completed and signed claim form along with your valid ID proof and age proof to the insurer. The claim form can be found on Niva Bupa’s website or in your policy document

The insurer will review the claim request upon receipt of your documents and either approve, query or reject it based on the policy terms and conditions

The insurer will settle and reimburse the approved amount according to the policy terms

OPD Reimbursements

Access “My Account” and then select “Raise a Claim” under the OPD tab

Search for the doctor by entering the details

Click “Raise a Claim” from the search results against the doctor who provided OPD services

Complete the health claim form with accurate bill and bank details, along with the required documents uploaded. Submit after completion

The insurer will review the insurance claim and approve, send a query or reject based on the policy terms

Diagnostic Center Reimbursements

Have a valid copy of the diagnostic claim reimbursement

Access “My Account” and select “Reimbursement Claim” in the annual health check-up tab

Fill out the claim form with accurate bill and bank details and upload specified documents. Submit after completion

The insurer will review your claim and then approve/send a query\reject it according to the policy terms

Best Health Insurance Plans In India

When it comes to the best health insurance, there is no “one-size-fits-all” policy. It is like choosing a Netflix or OTT plan - different plans offer different benefits and have different costs. However, this age is designed to meet the diverse needs of most users, making it a versatile and comprehensive health insurance comparison page.

It is essential to conduct a thorough comparison to find the policy that best suits your needs. We have created a comprehensive table of how some of the top mediclaim policies in India compare to others in the industry.

Insurance Provider	Plan Name	Coverage Type	Sum Insured Range	Age Limit (Adults)	Important Parameters
Care Health Insurance	Care Advantage Health Insurance Plan	Individual & Family Floater	₹2 Lakh - ₹6 Crore	18-65 years	Extensive network hospitals Customizable coverage options Wellness programs	Check Premium
ICICI Lombard Health Insurance	ICICI Elevate Health Insurance Policy	Individual & Family Floater	₹2 Lakh - ₹6 Crore	18-65 years	Extensive network hospitals Customizable coverage options Wellness programs	Check Premium
IFFCO Tokio Health Insurance	IFFCO Tokio Family Health Protector Policy	Individual & Family Floater	₹2 Lakh - ₹6 Crore	18-65 years	Extensive network hospitals Customizable coverage options Wellness programs	Check Premium
Niva Bupa Health Insurance	Niva Bupa Aspire Policy	Individual & Family Floater	₹2 Lakh - ₹6 Crore	18-65 years	Extensive network hospitals Customizable coverage options Wellness programs	Check Premium
SBI Health Insurance	Arogya Supreme Policy	Individual & Family Floater	₹2 Lakh - ₹6 Crore	18-65 years	Extensive network hospitals Customizable coverage options Wellness programs	Check Premium
TATA AIG Health Insurance	TATA AIG Medicare Lite Policy	Individual & Family Floater	₹2 Lakh - ₹6 Crore	18-65 years	Extensive network hospitals Customizable coverage options Wellness programs	Check Premium

Frequently Asked Questions (FAQs)

Niva Bupa ReAssure 2.0 is a versatile family health insurance plan that caters to the medical needs of an entire family under a single policy. Its extensive coverage and distinctive benefits make it stand out in the market, ensuring that families have access to quality healthcare without financial burden.

This plan is great for individuals and families seeking a complete health insurance option with exclusive benefits. It is perfect for those who want to avoid age-related premium increases and may need multiple hospitalizations for the same condition in a year.

The Booster+ benefit is really helpful as it allows policyholders to carry forward any unused sum insured from one policy year to the next, up to a maximum of 10 times the base sum insured. This means that customers do not lose their unutilized coverage, ensuring that their financial protection increases over time.

The Niva Bupa ReAssure 2.0 plan offers a comprehensive health insurance policy with unlimited reinstatement of the sum insured in a year for the same illness. This allows for continuous coverage without the need to worry about benefit exhaustion. Additional features include ReAssure Forever for continued coverage after a claim, Lock the Clock for premium payments based on entry age until a claim is made and coverage for hospitalization expenses, ambulance charges and alternative treatments without any room rent limits.

The ReAssure 2.0 Bronze+ Direct is designed to cater to particular coverage requirements, such as reduced sum insured or a more limited range of features, in comparison to higher-tier plans like Platinum+ or Titanium+.

The Booster 2 feature in the ReAssure 2.0 plan is a valuable addition for policyholders. It enables the carry-forward of the unused sum insured, increasing the plan’s utility and offering greater financial security for the future. This enhancement provides peace of mind, as the unutilized amounts can be leveraged in subsequent policy years.

The Niva Bupa ReAssure 2.0 plan stands out in the health insurance market for its extensive coverage and innovative benefits. With unlimited reinstatement and carry-forward benefits, it offers flexibility and assurance for policyholders. This plan is particularly advantageous for individuals seeking comprehensive health coverage without the concern of depleting their benefits.

The Booster benefit in Niva Bupa's ReAssure 2.0 plan rewards claim-free years by allowing policyholders to carry forward their unused sum insured. This feature provides up to 10 times the base sum insured, enhancing long-term financial protection for policyholders.

The high claim settlement ratio of 90.1% signifies that Niva Bup is committed to fulfilling a substantial portion of the claims made by its policyholders. This demonstrates the company’s reliability and dedication to providing support to its customers in times of need. It also instils confidence in potential customers who are considering purchasing insurance from Niva Bupa, knowing the company has a strong track record of honouring claims.

Niva Bupa ReAssure 2.0

What is the ReAssure 2.0 Policy?