Niva Bupa Reassure 2.0 Plan: Get Extensive Coverage

What is Niva Bupa Reassure 2.0 Plan?

The Niva bupa reassure 2.0 plan offers comprehensive coverage with a number of unique benefits, such as reassure forever, lock the clock benefit, booster benefit, safeguard+, etc. In addition to hospitalization costs, it covers ambulance expenses, home care treatment, Ayush treatments, e-consultations, etc. With disease management rider diabetes and hypertension are covered from day one onwards. It entirely removes the pre-existing disease waiting period.

Niva Bupa Reassure 2.0 Health Insurance Plan Review

Network hospital – 10000+ network hospitals are covered under the Niva bupa reassure 2.0 plan.
Claim settlement ratio – Niva bupa reassure 2.0 plan has currently 99.99% claim settlement ratio.
Claim approval time – Niva bupa reassure 2.0 plan approve the claim within 30 Minute of claim intimation.
Claim type – In the niva bupa reassure 2.0 plan it settles the claim directly, and there is no TPA [Third Party Administrator] between the company and the customer.

Eligibility Criteria of Niva Bupa Reassure 2.0 Plan

There are some eligibility criteria in Niva bupa reassure 2.0 plan. Check the details as mentioned below:

Entry age	91 days to 65 years
Family size	Covered up to 6 members
Plan type	Individual/Family floater
Tenure	1 Year, 2 Year & 3 Year
Cashless hospitalization	All over India
Base sum insured	5lakh, 10lakh, 15lakh, 20lakh, 25lakh, 50lakh & 1crore

Details of Niva Bupa Reassure 2.0 Plan

Features	Re Assure 2.0 Plan
In-Patient treatment	Covered up to the sum insured
Room rent	Actual
ICU charges	Actual
Pre-hospitalization	60 days
Post-hospitalization	180 days
Day Care Treatment	All daycare treatments covered
Organ donor	Covered up to the sum insured
Domiciliary hospitalization	Covered up to the sum insured
Home care treatment	Covered up to the sum insured
Reassure	100% of the sum insured, unlimited times
Booster benefit	Bronze (3X) – Increase your sum insured up to 3 times Platinum (5X) – Increase your sum insured up to 5 times Titanium (10X) – Increase your sum insured up to 10 times
Ayush treatment	Covered up to the sum insured
Modern treatment	Covered up to sum insured & sub-limit of INR 1lakh on few robotic surgeries
Road ambulance	Actual amount covered
Air ambulance	Covered up to INR 2.5lakh
Shared accommodation	Up to 15lakh sum insured – INR 800/Day up to INR 4800 Above 15lakh sum insured – INR 1000/Day up to INR 6000
Preventive health check-up	Cover from day 1
Second e-opinion	Once in a policy year
E-consultation	Avail unlimited e-consultation
Live healthy benefit	Renewal discounts of up to 30%
Tax benefit u/s 80D	Up to INR 75000

Unique Features of Niva Bupa Reassure 2.0 Plan

Lock-the-clock benefit - Pay the health insurance premium as per age while you purchase the policy, until the claim is taken.
Health checkup from day 1 – Niva bupa reassure 2.0 plan covers your health checkup from the same year onwards.
Booster benefit - If you are not taken any claim during the policy period then your unutilized sum insured will be carried forward to the next year maximum up to 10 Times.
Renewal discount Up To 30% - Niva Bupa offers 30% renewal discount for staying fit and improvement in health.
Child cover – Child covered with parents till 30 years.

Features of Niva Bupa Reassure 2.0 Plan

Lifelong renewal - Renew your cover lifelong and stay covered forever.
No sub-limit on room rent - With this health plan you can get the room you like and the treatment you deserve without a hassle.
No geography-based sub-limits - No matter where you buy your policy you can get treated in any city or hospital you like in the country with no additional co-pays or sub-limits.
Hospitalization expenses - Cover medical expenses incurred at the time of hospitalization that include room rent, ICU expenses, nursing expenses, surgeon’s fees road ambulance charges, anesthesia fees, blood, oxygen etc.
Pre-hospitalization - Niva bupa reassure 2.0 plan covers medical expenses for 60 days pre-hospitalization. It covers tests, medicine purchases and other medical expenses that has incurred before hospitalization.
Post hospitalization - Niva bupa reassure 2.0 plan covers medical expenses for 180 days post-hospitalization. It covers tests, medicine purchase and other medical expenses that has incurred after discharge.
Day care treatment - Day-care treatments are those surgery that take hospitalization less than 24-hours like stone, cataract, dialysis, chemotherapy, radiotherapy etc.
Organ donor expenses – Company will indemnify the medical expenses incurred for a living organ donor’s treatment as an Inpatient for the harvesting of the organ donated.
Domiciliary hospitalization – Secure all medical expenses during domiciliary hospitalization.
Home health care – Get treated at home.
Reassure benefit - With the reassure benefit of Niva bupa reassure 2.0 plan if any claim, partial or totally is made during the policy period than 100% sum insured will be restored automatically multiple time without any additional cost.
Booster benefit -
1. If you choose Bronze(3X) don’t lose what you don’t use just carry forward your unutilized sum insured to the next year's maximum upto 3times.
2. If you choose Platinum (5X) don’t lose what you don’t use just carry forward your unutilized sum insured to the next year maximum upto 5times.
3. If you choose Titanium (10X) don’t lose what you don’t use just carry forward your unutilized sum insured to the next year maximum upto 10times.
Ayush treatment – Niva bupa reassure 2.0 plan covers in patient hospitalizations expenses even for alternate treatments method. Ayurveda, yoga, naturopathy, Unani, siddha and homeopathy.
Modern treatment – Modern treatment covered treatment like deep brain stimulation, oral chemotherapy to robotic surgery, stem cell therapy, bronchial thermoplasty, intra vitreal injections balloon Sinuplasty etc.
Road ambulance - Niva bupa reassure 2.0 plan covers road ambulance cost up to the sum insured.
Emergency Air ambulance - Niva bupa reassure 2.0 plan covers air ambulance expenses maximum up to INR 2.5lakh
Share accommodation - If you choose share accommodation Up to Rs. 15lakh sum insured you will get INR 800/Day up to 4800 and above 15 lakh sum insured you will get INR 1000/Day up to INR 6000.
Preventive health checkup – You will get preventive health checkup benefits from same year onwards, irrespective of claim.
E-opinion - Get e opinion on 51 critical illness through network provider in India.
Unlimited e-consultation – Get unlimited e-consultation within our network.
Tax benefits - You can avail tax benefits for the premium amount under section 80D of the income tax act.
Free look period - Get a 15 days free look period to understand and change your decision.
Long-term discount - Pay for a 2 years policy term and get 7.5% discount and 15% discount on choosing 3 years policy term.

Add On Covers of Niva Bupa Reassure 2.0 Plan

Hospital daily cash benefit – The company will pay an Insured, an additional fixed amount for each day’s hospitalization for a maximum of up to 30 days. One day is considered 24 continuous hours of hospitalization.
Personal accident – In the event of the unfortunate demise of the insured within the policy period from the date of the accident, the company will pay the Sum Insured. The personal accident benefit will terminate after the accidental death benefit is paid for.
Safeguard - Limited non-payable items will be covered with a safeguard feature.
Safeguard plus - All non-payable items will be covered with the safeguard+ feature.
Disease management - The disease management rider removes the waiting period on pre-existing diseases such as hypertension and diabetes.
Acute care – Get the best care with unlimited tele - consultation.
Deductible benefit – If you are choosing deductible options such as INR 20000, INR 30000, INR 50000 & INR 100000 which reduce your premium.

Waiting Period of Niva Bupa Health Insurance Plans

Cover from day 1 - Only accidental.
Cover after 30 days - Dengue, malaria, fever, jaundice, typhoid, etc.
Cover after 2 years - Stone, hernia, piles, ulcer, fistula, gallbladder, hip & joint replacement, tonsils, ENT surgery, Gyno surgery, etc.
Cover after 3 years – Pre-existing disease such as hypertension, thyroid, asthma, diabetes, etc.

Exclusions of Niva Bupa Reassure 2.0 Plan

Conflict & disaster - Treatment for any injury or illness resulting directly or indirectly from nuclear, radiological emissions, war or war-like situations, or rebellion.
Breach of law – The company does not cover expenses for treatment directly arising from or consequent upon any insured person committing or attempting a breach of law with criminal intent.
Treatment for alcoholism & drug abuse – Treatment for alcoholism, drug or substance abuse or any addictive condition and consequence thereof remain uncovered.
Congenital external disease, defects, or anomalies – The company does not cover medical expenses incurred for congenital external disease defects or anomalies.
Maternity expenses - Pregnancy, dental treatment, external aids, and appliances.
Investigation & evaluation - Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded. Any diagnostic expenses which are not related or not incidental to the current diagnosis and treatment are excluded.
Unproven treatments - Expenses related to any unproven treatment, services, and supplies for or in connection with any treatment. Unproven treatments are procedures or supplies that lack significant medical documentation to support their electiveness.
Unrecognized physician or hospital - Treatment or medical advice provided by a medical practitioner not recognized by the medical council of India or by the central council of Indian Medicine or the central council of Homeopathy.
Costs that are not reasonable and customary and treatments that are not medically necessary.

Renewal Process of Niva Bupa Reassure 2.0 Plan

Life-long renewal - Get a life-long renewal, regardless of your health status or previous claims made under your policy.
Sum insured enhancement - To protect yourself from rising medical expenses, you can enhance your sum insured or add more members of your family in your existing policy at the time of renewal.
Portability and migration - You can port or migrate your policy at the time of renewal. Please reach out to us for any queries regarding migration and portability.

How to File a Claim Under Niva Bupa Reassure 2.0 Plan

You can file a claim in Niva bupa reassure 2.0 plan in two ways as mentioned below:

1. Cashless Claim

Intimation – Fill up the pre-authorization form at the network hospital for cashless approval.
Approval/ rejection – once the hospital intimates the company, the company sends you the status update.
Hospitalization – hospitalization can be done on the basis of pre-authorization approval.
Claim settlement – at the time of discharge, the company will settle the claim directly with the hospital.

2. Reimbursement

Hospitalization – you need to pay the bills initially and preserve the original invoices.
Register your claim – Post-hospital discharge send to the company all your invoices and documents.
Verification – The company verifies your claim-related invoices and treatment documents.
Claim settlement – The company sends the approved amount to your bank account.

FAQ

After I raise a claim under Niva Bupa ReAssure 2.0, will my premium remain the same?

No, that's not true. As the 'Lock the Clock' feature applies only if no claims have been made, your Niva Bupa ReAssure 2.0 policy premium will be determined according to your current age. This feature ceases to exist once a claim has been raised.

What is the maximum number of times that I can take advantage of Niva Bupa ReAssure 2.0's 'ReAssure Forever' benefit?

As long as your Niva Bupa ReAssure 2.0 policy remains active, you can use the 'ReAssure Forever' benefit unlimited times.

Under Niva Bupa ReAssure 2.0, can I select both Safeguard and Safeguard+ coverage?

No, it is not. Depending on your needs, you can choose either the Safeguard or Safeguard+ cover under your Niva Bupa ReAssure 2.0 plan.

How much can Niva Bupa ReAssure 2.0 pay in a single claim under 'ReAssure Forever'?

In a single claim, the 'ReAssure Forever' benefit under a Niva Bupa ReAssure 2.0 policy is payable up to the base sum insured amount.

The Niva Bupa ReAssure 2.0 plan includes hospital cash cover, but does it have a deductible?

Yes, it is. Inpatient hospitalization for 48 hours triggers the hospital cash cover under the Niva Bupa ReAssure 2.0 plan.

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