Niva Bupa ReAssure 2.0 Plan

Niva Bupa ReAssure 2.0 Plan is a reliable and comprehensive health insurance policy. It offers a range of benefits and coverage to ensure that you and your loved ones are financially protected in times of medical emergencies. Whether you're looking to opt for the Niva Bupa ReAssure 2.0 Plan online or obtain further information about the policy, here are the necessary steps to secure your health and well-being with Niva Bupa Health Insurance.

The key highlights of the Niva Bupa ReAssure 2.0 plan are:

• Sum Insured: The Niva Bupa ReAssure 2.0 plan offers a flexible sum insured range, starting from Rs 5 lakh and going up to Rs 1 crore. This allows individuals to select a coverage amount that aligns with their healthcare needs and financial capacity.
• Policy Tenure: The plan has a policy tenure of 1 year, providing individuals with the flexibility to review and renew their coverage annually. This ensures that they can adapt their health insurance to changing circumstances and requirements.
• Plan Types: Niva Bupa ReAssure 2.0 offers two plan types – Platinum+ and Titanium+. These plans provide different levels of coverage and benefits, allowing individuals to choose the one that best suits their healthcare needs and preferences.
• Network Hospitals: With a wide network of over 10000+ hospitals, policyholders can avail of cashless treatment at these network hospitals. This extensive network ensures that policyholders have convenient access to quality healthcare services across various locations.
• Waiting Periods: The plan has waiting periods for pre-existing diseases and specific diseases. The waiting period for pre-existing diseases is 3 years, while the waiting period for specific diseases is 2 years. During these periods, coverage for these conditions may be restricted or excluded.
• Initial Waiting Period: When you purchase the Niva Bupa ReAssure 2.0 Plan online, it has an initial waiting period of 30 days from the policy start date. This means that individuals need to wait for 30 days before they can make any claims, except for accidental injuries.
• Discount: The Niva Bupa Health Insurance offers a live healthy discount of up to 30%. This discount is based on factors like step count or fitness activities, incentivising policyholders to maintain a healthy lifestyle and rewarding them with reduced renewal premiums.
• ReAssure Forever: This feature activates after the first claim and allows policyholders unlimited claim submissions for unrelated illnesses or accidents. It provides continuous coverage and peace of mind, ensuring that individuals can receive necessary medical treatment without worrying about exhausting their coverage.
• Booster+: With Booster+, individuals can carry forward the balance sum insured to the next policy year if it remains unused. This feature prevents the loss of unused coverage and allows policyholders to accumulate a higher sum insured over time.
• Safeguard+: When you buy Niva Bupa ReAssure Policy, it covers all non-payable expenses, such as registration fees, service charges, and consumables during hospitalisation. Niva Bupa Health Insurance ensures comprehensive coverage and minimises out-of-pocket expenses for policyholders.
• Live Healthy: In addition to the Live Healthy discount, the plan offers various wellness benefits. These include a discount on renewal premiums based on step count, and encouraging individuals to lead an active lifestyle. The plan also provides coverage for hospitalisation of up to 2 hours, ensuring that short-term hospital visits are covered.
• Cashless Claim Processing: The plan offers hassle-free cashless claim processing within 30 minutes, making it convenient for policyholders to avail treatment at network hospitals.

The remarkable features of the Niva Bupa Health ReAssure Health Insurance Plan are as follows.

• ReAssure: Imagine a safety net for your health that offers unlimited reinstatements in a policy year, whether it's for the same illness or different ones. Rest easy knowing your coverage is always there when you need it.
• Live Healthy Benefit: Get rewarded when you buy Niva Bupa ReAssure 2.0 plan just to stay fit! By staying active and taking more steps, you can enjoy up to a 30% discount on your renewal premium. It's a fantastic motivator to maintain a healthy lifestyle.
• Booster Benefit: When you purchase Niva Bupa ReAssure 2.0 Plan Online and you go a whole year without making any claims, your coverage increases by an impressive 50%, with a maximum boost of 100%. However, if you do make a claim, Niva Bupa Health Insurance is reduced by 50%. It's a unique way to reward you for prioritising your health.
• Health Check-Up: Early detection is key to maintaining good health. That's why our insurance plan includes health check-ups for all insured members. Take preventive measures and catch potential health issues before they become major concerns.
• Tax Benefit: The ReAssure Niva Bupa Health coverage not only offers peace of mind for your health but also helps you save on taxes. You can avail of Income Tax benefits for the premium paid for your health insurance plan upto Rs 25,000 u/s 80D of the Income Tax Act.
• Renewal for Life: With this policy, you're guaranteed lifelong renewal without any additional costs based on your claim history. Feel reassured that your coverage remains accessible as you age, without any worries or hidden expenses.

Listed below are the incredible benefits when you buy Niva Bupa ReAssure 2.0 plan, designed to provide you with comprehensive coverage and peace of mind.

• In-patient Care (including AYUSH): Covered up to the Sum Insured, which ensures that you receive the necessary medical attention.
• Pre-Hospitalisation: Enjoy coverage for up to 60 days before hospitalisation, up to the Sum Insured.
• Ambulance: Road ambulance is covered up to the Sum Insured, while air ambulance coverage is up to INR 2,50,000 per hospitalisation.
• Modern Treatments: Covered up to the Sum Insured, with a sub-limit of INR 1 Lac per claim on select robotic surgeries.
• Post-Hospitalisation: Receive coverage for up to 180 days after hospitalisation, up to the Sum Insured.
• Organ Donor: Covered up to the Sum Insured, ensuring the cost of an organ donor is taken care of.
• ReAssure+: With just one claim, the ReAssure+ feature ensures unlimited claims, up to the Base Sum Insured.
• Annual Health Checkup: Enjoy a yearly health checkup, with coverage up to INR 500 for every INR 1 Lac Base Sum Insured.
• Home Care/Domiciliary: Avail coverage for home care or domiciliary treatment, up to the Sum Insured.
• Booster+: Unutilised Base Sum Insured carries forward to the next policy year, up to 5 times or 10 times the Base Sum Insured.
• e-consultation: Benefit from unlimited e-consultation within our network, ensuring convenience and accessibility.
• Shared Accommodation: Enjoy accommodation benefits based on your Base Sum Insured, with varying daily limits.
• Second Medical Opinion: While you buy Niva Bupa ReAssure Policy, you get the option to seek a second medical opinion once in a policy year.
• Live Healthy: Receive up to 30% discount on premium at the time of renewal for maintaining a healthy lifestyle.

The Niva Bupa ReAssure 2.0 Plan ensures that you have comprehensive coverage for your healthcare needs, with added features to support your well-being and offer peace of mind.

The Niva Bupa ReAssure 2.0 plan provides comprehensive coverage, including:

Listed below are the exclusions for the Niva Bupa ReAssure 2.0 plan:

• Dental treatments, unless they are necessary due to accidents or cancer
• Treatments for alcohol or drug addiction or any related consequences
• Participation in hazardous or adventure sports
• Infertility and sterility treatments
• Cosmetic or plastic surgery
• Obesity or weight-control treatments
• Maternity expenses are not covered
• Treatment for external congenital anomalies
• Artificial life maintenance
• Unproven or experimental treatments

In addition to the coverage mentioned earlier, the Niva Bupa ReAssure 2.0 plan also offers the following optional covers:

Optional Covers:

• Modification of Waiting Period for Pre-existing Disease: This allows the insured to reduce or completely remove the waiting period for pre-existing diseases.
• Acute Care: The doctors of Apollo 24X7 are available for teleconsultation without any limit under the Smart Health+ rider. This includes medical specialists and physicians. It also covers the cost of medicines and diagnostic tests up to specified limits.
• Annual Aggregate Deductible: This feature enables the insured person to pay a specific fixed amount of deductible annually during claims, after which the insurance company fully covers the remaining claim amount.
• Co-payment: This essentially means that the cost of the treatment or rather the claim amount is shared by the insured and the insurance company as per the pre-decided limits.
• Personal Accident: It provides compensation in the event of accidental death, permanent total disability, and permanent partial disability.
• Hospital Cash: It pays a fixed cash amount to the insured for each day of hospitalisation, up to a maximum of 30 days.
• Safeguard: Under this, the sum insured is protected against inflation, apart from covering non-payable items. To add, this protects the booster and the benefit from a claim and its impact.
• Safeguard+: It enhances the coverage offered under the safeguard cover by including a higher number of non-payable items, protecting the booster+ benefit from claims up to a higher limit, and safeguarding the sum insured from inflation.
• Disease Management: This variant of the Smart Health+ rider provides day 1 coverage for hypertension and diabetes, along with up to 20% savings on the renewal premium.
• Room Type Modification: It allows the insured to choose the category of hospital room for all future hospitalisations.

Here are the eligibility criteria for purchasing a Niva Bupa ReAssure 2.0 plan:

• Minimum Entry Age: The minimum age to purchase the plan is 18 years.
• Maximum Entry Age: The maximum age to purchase the plan is 65 years.
• Coverage Type: The plan offers individual coverage, family floater coverage, and multi-individual coverage.
• Maximum Number of Family Members Covered: The plan allows coverage for up to 6 family members.
• Renewability: The plan provides lifelong renewability, ensuring that you can continue to avail of the benefits as long as you renew the policy on time.