Niva Bupa Reassure 2.0 Health Insurance Plan - Policyx.com
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Niva Bupa Reassure 2.0 Health Plan

ReAssure 2.0 provides broad medical coverage with strong financial pro ...Read More

Up to 1 Cr
Sum insured
1
No. of plans
320+
Pan India presence
98%
Claim settlement ratio
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,740 reviews
🏥 10,000+ hospitals
📊 3.03 solvency ratio
✅ 98% claim settlement

ReAssure 2.0 provides broad medical coverage with strong financial protection, including hospitalization expenses, pre and post care, and high-value add-on benefits for long-term security. It is available in 5 different variants with a large sum insured of up to INR 1 Crore and multiple optional benefits such as hospital cash, personal accident, and more.

Why Do We Recommend This?
  • Coverage for non-payable items is available with Safeguard+
  • Up to 30% discount on renewal premium based on fitness activity.
  • Carry forward the balance sum insured.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
18 to 99 years
Plan type
Individual and Family Health Insurance
Sum insured options
₹5 L, ₹10 L, ₹15 L, ₹20 L, ₹25 L, ₹50 L, ₹1 L
Waiting period
30 days
Renewability
Lifetime
Policy term
1 Year

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Personal accidents covered
  • Acute Care
  • Emergency Ambulance
  • Three Plan variants
  • Home Care Treatments

Cons

  • No OPD Cover
  • No Maternity Cover
  • No Sleep Disorder Covered
  • Pre-Existing Diseases after 3 yrs.
  • Alcoholism not covered

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Covered
  • E-consultation Covered
  • Health check-up Covered
  • Second medical opinion Covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Applicable
  • Sub-limits Applicable
  • Compassionate travel Not covered
  • Global coverage Not covered

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

Niva Bupa REASSURE 2.0 Detailed Review 2023

Niva Bupa REASSURE 2.0 Detailed Review 2023

Choose the Niva Bupa Reassure 2.0 Health Plan and ensure your health is fully protected. It s more than just insurance; it s your partner in well-being. Learn more in our video!

Niva Bupa Health Insurance Network Hospital List

Niva Bupa Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Niva Bupa Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry Age: - 18 Years
  • Max Entry Age: - No Age Limit
  • SI: - 5 L to 1 Cr
  • Waiting Period: - 30 Days

Frequently Asked Questions

The 10 most-asked questions about Niva Bupa Reassure 2.0 Health Plan, answered.

The sum insured options are ranging from INR 5 lakh to INR 1 crore under Niva Bupa Reassure 2.0 wherein individuals can select the required health insurance plan.
Yes, individuals can cover up to 6 family members under Niva Bupa Reassure 2.0 health insurance plan. It is available as an individual and family floater health plan.
No, maternity and newborn baby cover are not available under Niva Bupa Reassure 2.0 health insurance plan.
Niva Bupa Reassure 2.0 health insurance plan is an essential health plan with a multitude of base features and optional benefits such as Hospital cash Personal Accident Benefit Safeguard Benefit Safeguard+ Benefit
Individuals who invested in Niva Bupa Reassure 2.0 can avail of the facility of the Booster+ benefit wherein they can carry forward the sum insured that has not been utilized. The booster+ benefit offers 5X and 10X options. Under the 5X option the unutilized Base Sum Insured carries forward to the next policy year, a maximum of up to 5 times of Base Sum Insured. Under the 10X option the unutilized Base Sum Insured carries forward to the next policy year, a maximum of up to 10 times of Base Sum Insured.
Reassure 2.0 by Niva Bupa is a versatile health insurance plan offering comprehensive coverage, including five different variants, personal accident cover, hospital cash, and more.
The pre-existing disease waiting period for the Reassure 2.0 Bronze variant is 3 years.
25 years is the maximum entry age for dependent children in the Niva Bupa Reassure 2.0 plan.
Under Niva Bupa Reassure 2.0, your premium won’t stay the same after a claim. The “Lock the Clock” feature ends with the first claim, and premiums then follow standard age-based rates, increasing as you grow older.
The Niva Bupa ReAssure 2.0 plan offers comprehensive health coverage for you and your family, including hospitalisation, personal accident, teleconsultation, booster benefits, and optional add-ons like Safeguard+ and Smart Health+.

Conclusion

ReAssure 2.0 offers broad hospitalization cover with added features like restoration of sum insured.

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 1 Jun 2026 · Originally published: 27 Sep 2024

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