Niva Bupa Health Insurance

Niva Bupa ReAssure Plan

ReAssure -

Unlimited reinstatement of sum insured for any illness or any person in the same year, triggered from the 1st claim itself so that you can claim as many times as needed.

Live Healthy Benefit -

To avail this benefit, all you have to do is Collect health Points by taking steps ounted on Max Bupa Health App.

Tax Savings -

Income tax* benefit upto INR 42,744 under the Section 80D of the Income Tax Act, 1961.

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    Niva Bupa Health ReAssure Plan (formerly known as Max Bupa ReAssure)

    A plan that offers comprehensive coverage and unlimited reinstatement of base sum insured.

    The ‘Niva Bupa Health ReAssure‘ (formerly known as Max Bupa ReAssure) has been designed to protect you and your whole family in the time of medical emergencies with a huge cover ranged up to ₹1 Crore. It offers a lot of health benefits including domiciliary hospitalization, in-patient hospitalization, pre-hospitalization, post-hospitalization, air-ambulance etc along with some superior features which are lifetime renewables, booster benefits, live healthy benefits, add-on riders and many more. SO BE ASSURED WITH ‘Re-Assure‘ PLAN.

    Niva Bupa Health ReAssure Plan Specifications

    Minimum Age

    18 Years (Adult) &
    91 Days as Child

    Type of Policy

    Individual / Family

    Policy Term

    1 | 2 | 3 Years

    Renewal

    Lifetime Renewability

    Sum Insured

    3 Lakh to 1 Crore

    Coverage Starts

    31st Day On words

    *The initial waiting period is the period between the time of issuance of a policy and when it begins to operate. During this period, the policyholder must wait to use the benefits offered by the health insurance plan.

    Coverage under the Niva Bupa ReAssure Plan

    1. In- Out Patient Coverage

    COVERED UP TO SI

    What are ICU Charges?

    ICU is a special department in hospitals that treats patients with serious medical conditions, that requires intensive care.

    And its charges can be very high.

    What is the status of your Niva Bupa ReAssure Plan coverage?

    ICU charges are covered up to the selected SI under this plan.

     

     

    COVERED UP TO 60 DAYS

    What is the pre-hospitalization?

    It is the medical expenses incurred, prior to the hospitalization of the policyholder. It may include investigation/tests, treatment and medication.

    What is the status of your Niva Bupa ReAssure Plan coverage?

    Pre-hospitalization medical expenses are covered for up to 60 days under this plan.

     

    COVERED UP TO SI

    What is Room Rent?

    If you are hospitalized, the room rent limit is the maximum amount you can claim for the bed charge.

    Common Room categories covered under room rent are:

    Common Room categories covered under room rent are:

    · Private Single AC Room

    · Twin Sharing

    · General Ward

    Coverage status under Niva Bupa ReAssure Plan-Under this plan, there is no room rent capping, and the same is covered up to the selected SI.

     

    NOT COVERED

    What are the OPD charges?

    Expenses incurred during Medications, treatments and tests that are prescribed by doctors, but which do not require any hospitalization.

    What is the status of your Niva Bupa ReAssure Plan coverage?

    OPD charges are not payable

     

    COVERED UP TO 180 DAYS

    What is the post-hospitalization?

    The medical expenses incurred Following the policyholder’s discharge from the hospital. It may include follow-up tests, treatment and medication.

    What is the status of your Niva Bupa ReAssure Plan coverage?

    Under this plan, medical expenses incurred post-hospitalization are covered upto a duration of 180 days.

     

    ALL DAY-CARE TREATMENTS COVERED

    What is it?

    Treatments that need less than 24 hours of hospitalization, such as blood dialysis, cataract surgery, etc.

    What is the Niva Bupa ReAssure Plan coverage status?

    All day-care procedures are included in this plan.

     

    COVERED

    What is it?

    When the insured person has to be hospitalized at home, due to the lack of medical facilities in hospitals, it is called domiciliary hospitalization. In order to qualify for coverage, the treatment must last 72 hours or more.

    What is the status of your Niva Bupa ReAssure Plan coverage?

    This plan covers domiciliary hospitalization.

     

    2. Coverage Terms

    COVERED UP TO SI

    COVID-19 Treatment: What is it?

    The cost of treatment for COVID-19 with a confirmative diagnosis from the government authorised diagnostic centres is included.

    What is the status of your Niva Bupa ReAssure Plan coverage?

    Under this plan, COVID-19 treatment is covered up to the opted sum insured, from 16th day onwards.

     

    Available As Booster Benefit

    What is a No-Claim Bonus?

    For every claim-free year, the insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus upon policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

    Coverage status under Niva Bupa ReAssure Plan?

    The plan offers Booster Benefit, AS REASSURE, wherein for every claim free year, there would be a 50% increase in sum insured, maximum to 100% of basic sum insured.

     

    Not Covered

    Cataract Treatment: What is it?

    A condition in which your eye lenses become cloudy, and vision becomes blurred.

    Do you have coverage under the Niva Bupa ReAssure Plan?

    Treatrment for cataract is Covered, after a waiting period of 24 months.

     

    Not Covered

    COVERED

    Organ Donor Coverage – What is it?

    This policy covers the cost of removing the damaged or malfunctioning organs from the body, and replacing with the healthy one that is donated by someone.

    Do you have coverage under the Niva Bupa ReAssure Plan?

    Expenses for removal of organs from donor and transplanting for receiver are covered.

     

    COVERED UP TO 180 DAYS

    Automatic Restoration: What is it?

    An automatic restoration is a benefit in which the insurance company restores the sum insured amount entirely or up to a certain percentage after the amount exhausts due to treatments on yearly basis. This restoration amount and multiple may vary from plan to plan.

    Coverage status under Niva Bupa ReAssure Plan?

    The plan has ReAssure benefit, wherein the insured person can enjoy the unlimited reinstatements of 100% of the sum insured for same and different illness in a policy year.

     

    Not Covered

    Maternity Cover – What is it?

    Under this benefit, expenses for normal and c-section deliveries are covered.

    Do you have coverage under the Niva Bupa ReAssure Plan?

    Not Available

     

    Not Covered

    Cover for new born babies – what is it?

    In case of unforeseen circumstances, it takes care of any medical expenses incurred due to the hospitalization of the new-born. The following are common treatments that are covered under the new-born plan, and these common treatments can vary from plan to plan:

    · Congenital anomalies (conditions since birth)

    · Acute condition

    · Chronic condition

    · Premature delivery

    · Birth asphyxia

    · Day care treatment

    Coverage status under Niva Bupa ReAssure Plan?

    Not Available.

     

    Available As A Rider

    Daily Hospital Cash: What is it?

    It is a fixed amount that the insured person receives on daily basis when being hospitalised. The amount is reimbursed to insured’s account after discharge.

    Coverage status under Niva Bupa ReAssure Plan?

    Hospital daily cash benefit is available as additional rider under this policy. It can be availed by paying a little extra premium. Feature available is as follows:

    3 Lakh to 5 Lakhs: Rs. 1000/day

    7.5 Lakhs – 15 Lakhs: Rs. 2000/day

    Above 15 Lakhs: Rs. 4000/day

     

    3. Alternative Treatment

    COVERED

    AYUSH Treatment – What is it?

    AYUSH refers to Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy treatment, as well as the associated costs. These are the alternative treatments/medications to allopathy treatments.

    What is the status of your Niva Bupa ReAssure Plan coverage?

    Hospitalization during AYUSH treatments, that are authorised by government of India, is covered under this plan.

     

    NOT COVERED

    in Vitro Fertilization (IVF) is a method of assisted reproductive technology. A The common expenses incurred under IVF and infertility treatments are for:

    · Full infertility

    · No fertility

    · Infertility diagnosis

    · Infertility diagnosis and limited fertility treatment

    · Medication (which may or may not include fertility drug prescriptions)

    Coverage status under Niva Bupa ReAssure Plan?

    No IVF treatment is claimable under this plan

     

    COVERED UP TO 1 L

    What is a Modern Treatment?

    Modern medical treatments that require the use of modern technology, such as robotic surgery, stem cell therapy, etc.

    Coverage status under Niva Bupa ReAssure Plan?

    The plan offers coverage against the surgeries like oral chemotherapy, deep-brain stimulation, etc. up to Sum Insured with a sub-limit of 1L

     

    4. Emergency Coverage

    COVERED UP TO 2K PER HOSPITALITION

    Ambulance coverage – what is it?

    Charges for ambulance transportation from home to hospital and back to home or switching hospitals, while being hospitalised. In an ambulance, a patient is transported from home to the hospital, transferred to another hospital, and taken for tests outside of the hospital.

    Is Niva Bupa ReAssure covered?

    Niva bupa plan covers ambulance charges up to 2K per hospitalization.

     

    COVERED

    What is an Air Ambulance?

    Charges for air ambulance for air lifting a patient, In case of an emergency that are not curable within the city. air ambulances are specially prepared planes/helicopters that carry patients from one location to another.

    Is Niva Bupa ReAssure covered?

    Air Ambulance expenses are covered by the plan as per the following limits:

    Cashless claim: Covered up to the sum insured

    Reimbursement claim: up to 2.5 lakhs covered

     

    NOT AVAILABLE

    What is Compassionate Travel?

    Travel expenses of a family member of the insured person if he or she is admitted to a hospital outside the insured’s home city/ town.

    Do you have coverage under the Niva Bupa ReAssure Plan?

    Not Available

     

    NOT AVAILABLE

    What is Global Coverage? A

    any kind of medical/health emergency when you are outside of India.

    Coverage status under Niva Bupa ReAssure Plan?

    Not Available

     

    5. Wellness Programs

    AVALABLE ANNULLY

    What is a Health Check-up?

    It is a facility where the policyholder/insured person can avail free health check-ups within a policy yrar

    Coverage status under Niva Supa ReAssure Plan?

    The plan offers annual health check-ups from Day one.

    It offers a cover up to ₹500 for every ₹1 Lakh sum insured for the defined list of tests.

    Individual policy: maximum 5.000 per Insured

    Family Floater policy: maximum 10,000 per policy

    NOT AVAILABLE

    What is E-Consultation?

    If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

    Coverage status under Niva Bupa ReAssure Plan?

    Not Available

    AVAILABLE

    What is a Second Medical Opinion?

    If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company.s network of medical practitioners.

    Coverage status under Niva Bupa ReAssure Plan?

    Not Available

    NOT COVERED

    What is Vaccination cover? I

    Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

    Coverage status under Niva Bupa ReAssure Plan?

    Not Available

    6. Limitation

    NOT APPLICABLE

    What is Co-payment?

    In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

    Coverage status under Niva Bupa ReAssure Plan?

    Co-payment is not applicable under this plan.

     

    APPLICABLE

    What is the Sub limit?

    Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.

    Coverage status under Niva Bupa ReAssure Plan?

    Sub-limit under this plan is applicable on modern treatments such as oral chemotherapy, deep-brain stimulation, etc. up to Sum Insured with a sub-limit of IL.

     

    Other Health Insurance Companies

    Niva Bupa ReAssure Plan Riders (formerly known as Max Bupa ReAssure)

    Personal Accident Coverage

    Accidental Eventualities Coverage

    In-Hospital Cash

    During hospitalization, you will receive a daily allowance

    Protection

    Take advantage of three additional benefits.

    Niva Bupa ReAssure Plan Benefits

    Cash Benefit for Shared Accommodation

    When the insured person is hospitalized in a Network Hospital and stays in a shared room, a daily cash payment is made to them for every continuous period of 24 hours spent in the hospital.

    Benefits of Living Healthy

    Get points for every step you take when you download the Niva Bupa Health App. Live healthy and get discounts on your renewal premiums.

    Benefits of Booster

    For every claim-free year, you can increase your sum insured by up to 100%.


    Exclusions from Niva Bupa Health ReAssure

    Exclusions for permanent conditionsPermanent conditions or diseases that are not covered by this plan are:

      OPD treatments
       Sex change treatment
      Therapies related to Hormone replacement, cosmetic and plastic surgery.
      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

    After a waiting period, insurance coverage is available

    Following a certain time period, certain diseases and treatments are covered under this plan. Read the details below:

    Listed ailments after 2 years.

    Pre-existing diseases after 3 years.

    A sample of the premium illustration for Niva Bupa ReAssure

    With various family sizes, Swaraj Finpro has outlined a sample premium for Niva Bupa ReAssure health insurance. You can refer to the section below to understand how much premium you would need to pay for this plan:

    SI Options5L10L20L25L50L1Cr
    Premium Payable7,6979,11113,01013,89517,43920,983
    SI Options5L10L20L25L50L1Cr
    Premium Payable11,40913,35419,90221,23226,54831,864
    SI Options5L10L20L25L50L1Cr
    Premium Payable15,09217,56526,04627,81434,88841,961

    * T&C Applied, This is Sample Illustration.

    Find out more about Niva Bupa Health Insurance

    Click on the following sections to learn more about Niva Bupa Health plans, claim process, buying process, and contact details:

    Process of Filing a Claim

    For more information about Niva Bupa Health ReAssure claims, click here.

    Process of Buying

    Learn more about Niva Bupa Health ReAssure Buying Process.

    We're here to help

    If you need more information, contact Niva Bupa Health Insurance.

    Explore More Plans from Niva Bupa

    Niva Bupa Health Insurance company offers several tailored health plans that are designed to serve you in the best way possible. Take a look:

    Niva Bupa Health ReAssure Plan: FAQs

    The cash benefit limit under Niva Bupa Reassure (formerly known as Max 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.