Loading...
Loading...
Reviewed by Finzony Finance TeamLast updated:
Niva Bupa ReAssure 2.0 is a comprehensive indemnity health plan for individuals and families, built around three ideas. ReAssure Forever restores your base sum insured unlimited times once your first claim is paid, and it stays for life as long as you renew without a break. Booster+ carries forward your unused base sum insured, up to 3, 5 or 10 times the base cover depending on the variant. Lock the Clock keeps your premium at your entry age until a claim is paid. The base cover pays for hospitalisation of 2 hours or more (24 hours for AYUSH), 60 days of pre-hospitalisation and 180 days of post-hospitalisation expenses, home care treatment, organ donor expenses, 12 listed modern treatments, road ambulance up to the sum insured and air ambulance up to ₹2.5 lakh. You also get an annual health check-up from day 1, unlimited e-consultations, a second medical opinion once a year and a Live Healthy discount of up to 30% for walking. Four variants are listed on Niva Bupa's website: Bronze+, Platinum+, Titanium+ and Gold. Optional covers include Safeguard and Safeguard+ for non-payable items and inflation, Hospital Cash, Personal Accident, a deductible, a co-payment and a change to the pre-existing disease wait. Pre-existing diseases wait 36 months, and maternity is not covered.
A standalone comprehensive plan with high sum insured (up to ₹6Cr) — no deductible or dependency on an existing base policy required.
Finzony reads ReAssure 2.0 as a plan for people who expect to claim more than once and want their cover to keep refilling. ReAssure Forever is the stand-out. After your first paid claim, your base sum insured is restored for every later claim, for the same person and the same illness, for life. It does not need to be renewed each year. The limit to understand is that each claim is capped at the base sum insured, so a ₹10 lakh base plan pays at most ₹10 lakh from the restored amount on one claim. Booster+ and any Safeguard top-ups come on top. Two features are worth reading closely. Lock the Clock keeps your premium at your entry age, but only until a claim is paid, and on a floater a claim by any member unlocks the age for the whole policy. And the room terms differ between the website and the wording. The website says room rent has no cap. The wording gives a room category for your plan, with a pro-rata cut in room, nursing, doctor and OT charges if you go higher, and only ICU is always paid up to the base sum insured. Non-payable items such as gloves and masks are deducted unless you add Safeguard or Safeguard+, which cost extra. The Claim Promise of zero deductions applies only on ₹10 lakh and above with Safeguard+. The waiting periods are the standard Indian clocks: 30 days, 24 months for listed conditions and 36 months for pre-existing disease, which you can pay to reduce or remove. It suits a healthy buyer who wants a cover that grows and refills for the long term, and who is happy to add Safeguard. Maternity and OPD are not part of it, so look elsewhere if you plan a pregnancy.
Niva Bupa Health Insurance
Key Insights
Founded
2008
Niva Bupa Health Insurance was established 18 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
91.6% CSR, calculated as a 3-year average
Niva Bupa Health Insurance settles 91.6% of all claims it receives.
Network Hospitals
10,000+
Niva Bupa Health Insurance has a network of 10,000+ hospitals, ensuring wide accessibility and convenience for policyholders.
Pays the medical expenses of treatment during hospitalisation, including room, nursing, doctors, medicines and procedures. The stay needs to be 2 hours or more, and AYUSH treatment needs 24 hours.
Admissions only for investigations are not paid, and expenses not linked to treatment, such as food and toiletries, are excluded.
Covers inpatient treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy in an AYUSH hospital, up to the sum insured.
Yoga and Naturopathy claims need prior approval.
Covers 12 listed treatments: uterine artery embolisation and HIFU, monoclonal antibody immunotherapy, laser prostate vaporisation, stem cell therapy for bone marrow transplant, balloon sinuplasty, oral chemotherapy, robotic surgery, stereotactic radiosurgery, deep brain stimulation, intravitreal injections, bronchial thermoplasty and intra-operative neuro monitoring.
Covers consultations, medicines, physiotherapy and diagnostic tests for 60 days before admission and 180 days after discharge, when they relate to the condition for which the hospital claim is paid.
Covers treatment taken at home on a doctor's advice that would normally need a hospital, with a daily monitoring chart signed by the treating doctor. Chemotherapy and peritoneal dialysis at home are paid.
Medical devices used at home, such as pulse oximeters, BP monitors, CPAP and wheelchairs, are not covered.
Pays non-payable items in list I of Annexure I, protects Booster+ so it is not reduced when claims in a year total up to ₹50,000, and raises the base sum insured each year by the inflation rate.
You lose the accumulated inflation increase if you drop it later. You can have Safeguard or Safeguard+ at a time.
Pays non-payable items in all four lists of Annexure I, protects Booster+ for claims in a year up to ₹1,00,000, and raises the base sum insured each year by the inflation rate.
These clocks run from the first start date of the policy with Niva Bupa, and time already served on another Indian policy can be credited under portability or migration. If you raise the sum insured at renewal, or add a new member, a fresh waiting period applies to the increase or to that member. The renewal grace period is 30 days, and cover need not be available during the grace period itself.
Accidents and annual health check-up
Hospitalisation caused by an accident is covered from day 1, and the annual health check-up is available from the start of the policy.
Initial waiting period
Any illness in the first 30 days is excluded, except accidents. This does not apply if you have more than 12 months of continuous cover. Cancer is covered after the 30 days.
Specific diseases and procedures
The 22 listed groups of conditions and surgeries, such as cataract, hernia and joint replacement, wait 24 months of continuous cover. The wait does not apply to accidents or, after 30 days, to cancer.
Pre-existing diseases
Conditions or treatments that the policy clearly says it will not cover.
These listed conditions and procedures are excluded for the first 24 months, even if they begin after the policy starts. The wait does not apply to accidents (covered from day 1) or to cancer (covered after 30 days). If one of them is also a pre-existing disease, the longer wait applies. Your policy schedule and wording are the final reference.
Insurer
Niva Bupa Health Insurance plans and claim process
ReAssure 2.0 is a comprehensive indemnity health plan from Niva Bupa for individuals and families. Its main features are ReAssure Forever (unlimited restoration of the base sum insured after your first paid claim), Booster+ (unused sum insured carried forward), and Lock the Clock (premium at your entry age until a claim). It covers hospitalisation of 2 hours or more and has Bronze+, Platinum+, Titanium+ and Gold variants.
Your first paid claim triggers ReAssure Forever, which restores the base sum insured, and it stays for life as long as you renew without a break. It works for the same person and the same illness. Each claim from it is capped at the base sum insured. For example, on a ₹10 lakh base, a ₹7 lakh claim leaves ₹3 lakh, and a later ₹12 lakh claim is paid ₹3 lakh from the base and ₹9 lakh from ReAssure Forever.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official Niva Bupa Health Insurance website before purchasing.
Contact Details
1860 500 8888
Headquarters: C-98, First Floor, Lajpat Nagar, Part 1, New Delhi – 110024, India.
The aforementioned ratios have been averaged over three years (FY24-FY26)
Needed for the Claim Promise, which applies from ₹10 lakh. You lose the accumulated inflation increase if you drop it later.
Pays a fixed amount for each day of hospitalisation, for up to 30 days.
Needs a continuous stay of at least 48 hours. The daily amount is in your schedule.
Pays the accidental death sum insured on death within 365 days. Permanent total disability pays 125% of it for loss of two limbs, both eyes or similar, and 50% for one limb or one eye. Partial disability pays a percentage from a table.
Niva Bupa's page says it goes up to 5 times the base sum insured. The benefit ends once death or total disability is paid.
You bear a fixed amount of eligible expenses in a policy year, and Niva Bupa pays the balance. It lowers your premium.
It does not apply to the health check-up, Live Healthy, second opinion, shared accommodation cash, e-consultation, personal accident or hospital cash.
You pay a percentage of every admissible claim in return for a lower premium.
It does not apply to the same set of benefits as the deductible.
You can pay to reduce, or remove, the 36-month wait for pre-existing diseases.
The wording also says the wait can be increased, which lowers the premium. Check your quote.
Switch between a single private room and a sharing room to match your preference, with ICU always paid up to the base sum insured.
Listed on Niva Bupa's product page: day 1 coverage for diabetes and hypertension, with up to 20% renewal discount.
This add-on is on the product page only and was not in the wording we read. Confirm the terms before buying.
Listed on Niva Bupa's product page: unlimited tele-consultations with Apollo 24x7 doctors, with pharmacy and diagnostics up to limits.
This add-on is on the product page only and was not in the wording we read. It is the nearest thing to OPD cover in the plan.
Anything diagnosed or treated in the 36 months before the policy is pre-existing. It is covered after 36 months of continuous cover, and only if declared and accepted. You can pay to reduce or remove this wait.
Personal waiting period
If underwriting names conditions for an insured person in the policy schedule, they wait up to 48 months from the first policy.
If you raise the sum insured or add a member
A fresh waiting period applies to the increased sum insured, and a new member starts with all waiting periods, loading and the pre-existing disease clause afresh.
Moratorium
After 60 continuous months, claims cannot be contested except for proven fraud and permanent exclusions. Limits, sub-limits, co-payments and deductibles still apply.
Booster+ carries forward your unused base sum insured to the next policy year, up to 3, 5 or 10 times the base sum insured depending on the variant. For example, with a ₹10 lakh base on a 10X variant and no claims for 10 years, you would have ₹1.10 crore: ₹10 lakh base and ₹1 crore Booster+. Safeguard or Safeguard+ stops small claims from reducing it.
Lock the Clock charges your premium at the age you entered the policy until a claim is paid. After a claim, the premium follows your current age band at each renewal. On a floater the premium follows the eldest member's entry age, and a claim by anyone unlocks the age for the whole policy. Check which variants include it on your quote.
Niva Bupa's website lists Bronze+, Platinum+, Titanium+ and Gold. The Booster+ multiple differs: 3X for Bronze+, 5X for Platinum+, and 10X for Titanium+ and Gold. All four offer ReAssure Forever, hospitalisation of 2 hours or more and the annual health check-up, and the room category depends on the variant you choose.
There is a 30-day initial wait for any illness, except accidents. Listed conditions and surgeries wait 24 months, but accidents are covered from day 1 and cancer after 30 days. Pre-existing diseases wait 36 months, and you can pay to reduce or remove that wait. Underwriting may also add a personal waiting period of up to 48 months.
No. The wording excludes maternity expenses, including childbirth and lawful termination of pregnancy, and has no maternity benefit. Ectopic pregnancy is not part of that exclusion. If you plan a pregnancy, look at a plan that has maternity cover.
The product page says room rent and ICU are covered up to the sum insured without capping. The wording gives a room category for your plan, either a single private room or a sharing room. If you take a higher room, room, nursing, doctor and OT charges are paid pro rata. ICU is always paid up to the base sum insured, so check your room category on your quote.
Safeguard pays the non-payable items in list I, protects Booster+ for claims up to ₹50,000 in a year, and raises your sum insured by inflation. Safeguard+ pays all four lists, protects Booster+ up to ₹1,00,000, and also raises it by inflation. The Claim Promise gives zero deductions on non-emergency cashless claims if you have ₹10 lakh or more with Safeguard+ and inform Niva Bupa 48 hours before.
There is no compulsory co-payment. A co-payment and an annual aggregate deductible are optional and lower your premium. Pricing has two zones: Zone 1 is Delhi NCR, Mumbai, Kolkata and Gujarat, and Zone 2 is the rest of India. The premium depends on your city of residence.
You earn one health point for each 1,000 steps tracked in the Niva Bupa app, and the points in the 90 days before renewal decide the discount. On a 1-year policy, 3,751 or more points give 30% (15% on a floater with more than one adult), and lower tiers give 5%, 15% or 20%. Only insured persons aged 18 and above count.
Adults from 18 years can buy it, and Niva Bupa's website says applicants are typically 18 to 65, so confirm the limit on your quote. You can cover yourself or a family floater, including spouse, children and dependent parents. The policy is renewable for life.
At a network hospital you can request cashless treatment, and Niva Bupa also offers cashless in hospitals outside its network as per its process. Final authorisation at discharge is processed within three hours of the documents. For reimbursement, send the discharge summary, final bill with break-up, investigation reports and an FIR in accident cases. Niva Bupa must settle or reject a claim within 15 days of the claim submission.