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

About Niva Bupa Reassure 2.0 Health Plan

A quick read on what this Niva Bupa Health Insurance plan covers and why it might be a fit for you.

Niva Bupa Reassure 2.0 offers coverage for medical emergencies. Under this plan, you will get a sum insured of up to 1 crore at a very reasonable premium price. Earlier the plan had only two variants, Titanium+ and Platinum+, but with time they introduced other variants to the customers.

Read further to explore what is reassure 2.0 by Niva Bupa.

Currently, Niva Bupa Reassure 2.0 has five variants, which are:

  • Platinum+ - Carry forward the balance sum insured up to 5x of base coverage.
  • Titanium+ - Carry forward the balance sum insured up to 10x of base coverage.
  • Bronze+ - Carry forward the balance sum insured up to 3 times of base cover, and get hospitalization coverage for 2 hours or more.
  • Gold- Carry forward the balance sum insured up to 10 times the base cover.
  • Bronze- Carry forward the balance sum insured for 3 times the base sum insured.

So, if you want to buy a health insurance policy for 6 family members, this plan is for you. Read below to understand the benefits of the plan.

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

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

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!

Variants of ReAssure 2.0

VariantCarry Forward BenefitKey HighlightBest For
Bronze3x base sum insuredEntry-level protectionBasic family coverage
Bronze+3x base sum insuredIncludes 2+ hour hospitalization coverBudget buyers needing wider eligibility
Gold10x base sum insuredStrong carry forward benefitFamilies needing higher protection
Platinum+5x base sum insuredBalanced premium + benefitsMid-range comprehensive cover
Titanium+10x base sum insuredHighest carry forward benefitHigh medical risk / large families

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 →

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Inclusions

  • Inpatient hospitalization expenses (room rent, ICU, surgery)
  • Pre and post hospitalization medical expenses
  • Day care procedures
  • Domiciliary (home-based) treatment
  • Organ donor expenses
  • Ambulance charges (road & air, as per plan)
  • AYUSH treatment coverage
  • Modern treatment procedures (as per policy terms)
  • Health check-up benefits
  • Restoration of sum insured
  • Carry forward of unused sum insured (Booster benefit)
  • Optional add-ons like personal accident and hospital cash cover

Exclusions

  • Permanent diseases or health conditions that are not included under Niva Bupa Reassure 2.0 Health Insurance Plan are:
  • Hospitalization out of war, riot, strike, and nuclear weapons
  • Intentional self-injury
  • Miscarriage, and abortion
  • Congenital disease
  • Infertility and in vitro fertilization
  • Pre-existing diseases 36 months
  • Listed Ailments 24 months

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

Other features & benefits

How Niva Bupa Reassure 2.0 Plan is Different from Others?

Mentioned below are factors that set Niva Bupa Reassure 2.0 apart from others

  1. Disease Management

    Provides coverage for specific diseases like diabetes and hypertension. Also, you will get a renewal discount of up to 20%.

  2. Acute Care

    You will get unlimited teleconsultation with the general physician, specialists or super specialists of Apollo 24x7. This way you can talk to them regarding any problem. Also, the plan covers pharmacy and diagnostics up to the limit.

  3. Personal Accident Cover

    A health insurance plan that is also your personal accident cover.

  4. Hospital Cash

    With this benefit, you will be eligible to get in hand cash, when you are hospitalized for up to 30 days. You can pay for non-covered items.

  5. Lock the Clock

    With the Lock the Clock benefit, you can pay the premiums as per your entry age until you make a claim.

  6. Live Healthy Benefit

    With this Live Healthy benefit, you will get up to a 30% discount on your next renewal.

Conclusion

This was the detailed Niva Bupa Health Insurance Reassure 2.0 review highlighting its variants, benefits, and what sets it apart from other plans. Niva Bupa is a standalone trusted brand in the health insurance sector. Now, they offer a cashless anywhere facility under which you can opt for hospitalization regardless of taking care of the network hospitals. They offer several health insurance plans that are suitable for everyone. Niva Bupa Reassure 2.0 health insurance plan is one of those plans that offers comprehensive coverage for you along with your family members.

Niva Bupa Health Reassure 2.0 Plan: FAQs

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.

Explore Niva Bupa Health Insurance

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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: 5 Jul 2024 · Originally published: 27 Sep 2024

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