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ReAssure Health Insurance Plan UIN MAXHLIP21060V012021

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 NameNiva Bupa ReAssure Health Insurance Plan
Policy typeHealth Plan
UINMAXHLIP21060V012021
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Health Checkup
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Inpatient Care
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Renewal Discount
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Key Features

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Health Checkup

Can avail health checkup right after the purchase of the policy.

Coverage Rs.1 crore

Insurance coverage up to Rs.1 crore

Inpatient Care

Inpatient care without any room rent capping

Renewal Discount
  • Get up to 30% renewal discount based on the number of steps taken
Cashless claim
  • Cashless claim processing in just 30 mins
  • Doubles the sum insured in 2 claim free years

Benefits

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In-Patient cover

When the policyholder gets hospitalized for more than 24 hours, the expenses occurring during that period is covered.

Pre-Post Hospitalization

This plan gives an extensive pre and post hospitalization cover to the policyholder. The expenses covered period is 60 days prior to being admitted and 180 days post discharge from the hospital. You can know more about the pre & post hospitalization through this article.

Organ Transplant

Medical expenses that are incurred on the part of the organ donor along with the insured person during the process of transplant are covered.

All day care treatments cover

Day care treatments are those where the patient is not required to be hospitalized for more than 24 hours. Chemotherapy, radiation, dialysis, cataract, lithotripsy, tonsillectomy are a few of the other day care treatments covered here.

Domiciliary Hospitalization

This benefit means a policyholder is considered hospitalized even when they are getting treated at home. It is only considered when approved or prescribed by a doctor.

Emergency Ambulance

You can avail coverage for emergency ambulance service

Hospital accommodation:

Hospital accomodation are the facilities that are usually provided by the hospitals or medical facility center. Your daily meals, refreshments come under the head of hospital accommodation. You are entitled to get coverage up to the sum insured for the room rent. There is no capping for ICU room rent.

Air Ambulance
Additional Features
  • Health checkup: You can avail health checkup facility right after the issuance of the policy. For pre-defined list of tests; upto Rs.500 for every sum insured of Rs.1 Lakh. Here is the list of health checkups that you can avail.
  • Booster Benefit: With every claim free year, the sum insured increases by 50% and maximum up to 100%
  • Tax Benefit: You can show this investment to avail tax exemption under section 80D of the Income Tax Act
  • Live healthy Benefits: One of features of ReAssure Health Insurance plan is that one can avail discounts up to 30% on renewal of your policy. Live Healthy Benefits percentage depends on the health points a policyholder achieves through the mobile application of Niva Bupa.
  • Modern Treatment: One can avail of modern treatments like robotic surgeries. Expenses are covered up to a sum insured with a sub-limit of Rs.1 Lakh.
  • Shared accommodation cash benefit: 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 hospitalization and Rs. 1,000 per day (Maximum of Rs. 6,000) on base sum assured above Rs. 15 Lakhs.

How it works

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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

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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

Exclusions

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  • 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