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Niva Bupa Health Insurance Niva Bupa Health Insurance ★ 4.4

Niva Bupa ReAssure Plan

A specially designed plan that provides coverage of up to INR 1 Crore. ...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 Plan

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

A plan that keeps giving you more.

Niva Bupa Health ReAssure is designed to protect you and your family during medical emergencies, offering comprehensive coverage up to 1 crore. It covers ambulance charges, both air and road. You can add up to 6 members to this plan. It offers unlimited restoration, meaning the full cover amount is restored whenever you are hospitalized and part of your sum insured is used.

Explore the main features of the Niva Bupa ReAssure Plan below.

Plan at a glance

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

Entry age
18 years
Plan type
Individual and Family Health Insurance
Sum insured options
₹3 L, ₹4 L, ₹5 L, ₹7 L, ₹10 L, ₹12 L, ₹15 L, ₹20 L, ₹25 L, ₹50 L, ₹75 L, ₹1 L
Waiting period
30 days
Renewability
Lifetime
Policy term
1 | 2 | 3 Years

*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

  • Booster benefit
  • Organ donor transplant
  • ReAssure
  • Live Healthy Benefit
  • Second Medical Opinion

Cons

  • No OPD Cover
  • No Maternity Cover
  • No Sleep Disorder Covered
  • No Suicide Cover
  • No War Injury Cover

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 Not 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 Not covered
  • Health check-up Covered
  • Second medical opinion Covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Not 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 - Plan Review , Benefits | Niva Bupa ReAssure Plan Details 2024 | Niva Bupa

Niva Bupa Reassure - Plan Review , Benefits | Niva Bupa ReAssure Plan Details 2024 | Niva Bupa

Niva Bupa Rise Plan 2025 | New Health Insurance Plan | Niva Bupa Health Insurance

Niva Bupa Rise Plan 2025 | New Health Insurance Plan | Niva Bupa Health Insurance

All about Niva Bupa Health Insurance Company

All about Niva Bupa Health Insurance Company

Niva Bupa Health Insurance Plan Detailed Review

Niva Bupa Health Insurance Plan Detailed Review

What Makes this Plan Unique?

  • Unlimited Restoration Benefits

    You will receive complete restoration even after claiming the amount.

  • No co-payment

    With this policy, you do not have to pay anything out of pocket. Your health insurance provider will bear the entire cost of the treatment.

  • No limit on room rent

    You can choose any available room, whether a single room, deluxe room, or shared room.

  • Bonus for being healthy and not claiming insurance

    Your sum insured will increase by 50% every year if you maintain good health.

  • Free health check-up

    You will receive free health check-ups every year to ensure you are fit and healthy.

  • Covers alternate medicine

    If you opt for treatment through Ayurveda, Homeopathy, or any other alternative treatment, the insurer will cover you fully.

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.

Exclusions

  • Niva Bupa Health ReAssure excludes certain treatments and diseases. Here are a few:
  • Permanent diseases or health conditions not covered:
  • OPD treatments
  • Sex change treatment
  • Hormone replacement, cosmetic, and plastic surgery therapies
  • Dental/oral treatments
  • Sleep disorders
  • Alcohol/drug or substance abuse
  • Sexually Transmitted Diseases such as HIV
  • Self-inflicted injuries or attempted suicide
  • Adventurous or Hazardous Sports
  • Certain diseases and treatments are covered after a specific period:
  • Listed ailments after 2 years
  • Pre-existing diseases after 3 years

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry Age: - 18 Years
  • Max Entry Age: - No Age Limit
  • SI: - 3 L to 1 Cr
  • Waiting Period: - 30 Days

Other features & benefits

Niva Bupa ReAssure Plan Riders

Enhance your Niva Bupa ReAssure Plan with several riders. These riders allow policyholders to customize their plan and enhance basic coverage.

  • Personal Accident Cover

    Provides coverage against accidental events, including accidental death, permanent and total disability, permanent partial disability, and temporary total disability.

  • Hospital Cash

    Receive a daily allowance during hospitalization. This rider offers daily hospital cash for up to 30 days if hospitalized for more than 48 hours.

  • Safeguard

    This rider benefits policyholders in three ways: Claim safeguard, Booster Benefit Safeguard, and Sum Insured Safeguard.

Niva Bupa Health ReAssure Plan: FAQs

The 10 most-asked questions about Niva Bupa ReAssure Plan, answered.

The cash benefit limit under Niva Bupa Reassure (formerly known as Niva Bupa ReAssure) Shared Accommodation Cash Benefit are: For SI up to 15L: INR 800 per day; (Nivaimum 4,800) For SI above 15L: INR 1,000 per day; (Nivaimum 6,000)
Live Healthy Benefit offers up to 30% discounts on renewal premiums, and encourages the policyholders to stay active and opt for a healthy lifestyle. With its Live Healthy Benefit, this plan promises to keep you motivated to stay fit so you can stay healthy and keep gaining more! Niva Bupa Health App will track your steps and will turn them into Health Points. 1 health point would be earned for every completed 1000 steps. To avail of this benefit you must download the mobile app within 30 days of the policy commencement.
Yes, the plan offers several discounts to its customers such as family discount, doctor discount, tenure discount.
Yes, under ReAssure Booster Benefit, there would be a reduction of 50% in the SI in case of claim.
Under the Niva Bupa Reassure plan, one can cover a minimum of 6 members in several combinations.
No, you are not required to undergo any medical health check-ups, however, it is always advisable to have a full body checkup prior to buying a policy. Not only it helps in keeping the check on your health, but will also avoid any unnecessary delays at the time of claim settlement.
Yes, the policy covers the expenses incurred on treatment taken at home for Chemotherapy or Dialysis.
There are no such criteria for the renewal of your policy. The plan offers guaranteed lifelong renewal with no extra loadings based on your claim history.
The list of tests covered under this benefit are: Complete blood count, Urine Routine, Erythrocyte Sedimentation Rate (ESR), Fasting Blood Glucose, Electrocardiogram, S Cholesterol, Complete Physical Examination by Physician, Post prandial / lunch blood sugar (PPBS / PLBS), Uric Acid, Lipid Profile, Kidney function test, Serum Vitamin D, Serum Electrolytes, HbA1C, Thyroid profile (TSH), Liver Function Test (LFT), Treadmill test (TMT) and Ultrasound test.
It offers you additional advantages including an increase in SI amount annually on the basis of the inflation rate, coverage for non-payable articles such as gloves, and no impact on booster benefit.

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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