Niva Bupa ReAssure Health Insurance Plan
Niva Bupa ReAssure Health Insurance Plan Summary
Niva Bupa ReAssure is a comprehensive health insurance plan that comes with an unlimited reinstatement benefit. It has a family floater plan as well as an individual plan option. One of the prominent features of this plan is that it covers non-payable expenses too through their cashless facility. The USP of the ReAssure plan is the reinstatement of the sum insured for any kind of illness or the policyholder is covered for an infinite number in the same year. Meaning, if the policyholder is admitted for a particular illness for an infinite number of times, the expenses will still be covered and the sum insured will be restored even after the first claim was triggered.
| Plan Name | Niva Bupa ReAssure Health Insurance Plan |
| Policy type | Health Plan |
| UIN | MAXHLIP21060V012021 |
Compare this plan with other Health Plans
Niva Bupa ReAssure Health Insurance Plan - Key Features
Can avail health checkup right after the purchase of the policy.
Insurance coverage up to Rs.1 crore
Cashless claim processing in just 30 mins
Doubles the sum insured in 2 claim free years
Niva Bupa ReAssure Health Insurance Plan - Benefits
When the policyholder gets hospitalized for more than 24 hours, the expenses occurring during that period is covered.
This plan gives an extensive pre and post hospitalization cover to the policyholder. The expenses covered period is 60 days prior to being admitted
Medical expenses that are incurred on the part of the organ donor along with the insured person during the process of transplant are covered.
Day care treatments are those where the patient is not required to be hospitalized for more than 24 hours. Chemotherapy, radiation, dialysis, catar
This benefit means a policyholder is considered hospitalized even when they are getting treated at home. It is only considered when approved or pre
Hospital accomodation are the facilities that are usually provided by the hospitals or medical facility center. Your daily meals, refreshments come
The ambulance transportation in an airplane or helicopter can only be used in case of life threatening conditions which require immediate and rapid
The policyholder is entitled to get a cash benefit of Rs. 800 per day (Maximum of Rs. 4,800) on base sum assured up to Rs. 15 Lakhs on hospitalizat
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Working with Example
Scenario 1
Say Mr. Khan, age 30, purchases a Niva Bupa ReAssure Individual Health Insurance Plan of Rs. 1 cr. He can avail ReAssure benefits, cashless facilities for modern treatments like oral chemotherapy, deep brain stimulation and more. The premium charged for this plan would be as below:
| Parameters | Premiums for Individuals |
| 1 Year | Rs. 20,983 |
| 2 Years | Rs. 40,391 |
| 3 Years | Rs. 58,227 |
Scenario 2
Say Mr. Khan, age 30, purchases a Niva Bupa ReAssure Family Floater Health Insurance Plan of Rs.1 cr. Here he covers his spouse Mrs.Khan, age 28 and child, age 2 years. The whole family can avail ReAssure benefits, cashless facility and other benefits. The premium charged under ReAssure Family Floater would be as below:
| Parameters | Premiums for 2 Adults & 1 Child |
| 1 Year | Rs. 41,961 |
| 2 Years | Rs. 80,776 |
| 3 Years | Rs. 1,16,442 |
Eligibility Criteria in Niva Bupa ReAssure Health Insurance Plan
| Parameters | Minimum | Maximum |
| Sum assured | 3 Lakhs | 1 Crore |
| Policy Term (in yrs.) | 1 | 3 |
| Health check up | ||
| Emergency ambulance | ||
| Members | 2 members in a Family Floater Plan | Up to 6 members (2 adults & 4 kids) in a Family Floater plan |
Exclusion in Niva Bupa ReAssure Health Insurance Plan
- Pre-existing diseases
- Involvement of policyholders in Hazardous/ Adventure sports and any injury due to sports is excluded.
- Dental/ Oral treatment
- Medical assistance outside geographical boundaries of India
- Treatment of plastic surgery, gender change, hormone replacement, therapy and more
- Treatment during the first 30 days post purchasing the policy
