What is the ReAssure 2.0 Policy?

Niva Bupa Ressure 2.0 insurance policy is a highly beneficial individual and family floater health insurance plan in India. It comes with an array of features and benefits designed to cater to various health requirements, making it a comprehensive option for families.

Niva Bupa ReAssure 2.0 is a customer-centric health insurance plan with comprehensive coverage and unique benefits like ReAssure Forever, Lock the Clock and more. It covers hospitalization, ambulance charges, home care, AYUSH treatments and e-consultations, providing a 1-day coverage for diabetes and hypertension with the Smart Health+ rider. Additionally, it offers the option to remove the pre-existing disease waiting period.

Niva Bupa ReAssure 2.0 is a strong competitor in the Indian health insurance market, offering comprehensive coverage with unique benefits, particularly for families. It is important for potential buyers to carefully consider the plan’s features and compare them with customer service feedback before making a decision.

Types of ReAssure 2.0 Health Insurances

As mentioned above, the Niva Bupa ReAssure 2.0 health insurance policy can be broadly categorized under individual and family plans. Prospective customers can choose from the different available variants of the ReAssure 2.0 insurance plans mentioned below.

ReAssure 2.0 Platinum+ Policy

Pay premiums based on entry age until a claim is made
Includes annual health check-ups
The unused balance sum insured can be carried forward up to 5x the base cover
Unlimited use and restoration of the base coverage
Covers up to 6 family members, ranging between 5 lakh and 1 crore rupees
Premiums start from 10,519/- rupees per year

ReAssure 2.0 Titanium+ Policy

Premiums are based on entry age until a claim
Includes annual health check-up
Carry forward unused balance sums insured up 10 10x the base cover
Base coverage can be replenished indefinitely
Covers up to 6 family members, ranging between 5 lakh and 1 crore rupees
Premiums start from 10,519/- rupees per year

ReAssure 2.0 Bronze+ Policy

Offers comprehensive coverage with hospitalization for 2+ hours and health check-ups
Unused sum insured carry forward thrice
Base coverage restores unlimited times
Covers up to 6 family members, ranging between 5 lakh and 1 crore rupees
Premiums start from 10,519/- rupees per year

ReAssure 2.0 Gold Policy

Covers hospitalization for 2+ hours with annual health check-ups
Unused coverage carries forward up to 10x the base cover
Base coverage can be restored unlimited times
Covers up to 6 family members, ranging between 5 lakh and 1 crore rupees
Premiums start from 10,519/- rupees per year

ReAssure 2.0 Bronze Policy

Coverage starts from 2 hours and includes annual check-ups
Allows unused sum insured to be carried forward up to 3x the base cover
Includes annual health check-ups
Unused sum insured can be carried forward up to 3x the base cover
Base coverage can be restored unlimited times
Covers up to 6 family members, ranging between 5 lakh and 1 crore rupees
Premiums start from 10,519/- rupees per year

Niva Bupa ReAssure 2.0 Policy Specifications

Particular	Details
Product Name	Aspire
UIN	NBHHLIP24129V012324
Base Sum Insured Options	INR 3 Lakh, 5 Lakh, 7.5 Lakh, 10 Lakh, 15 Lakh, 20 Lakh, 25 Lakh, 50 Lakh, 1 Crore
Expenses in Reaching a Hospital	Up to sum insured for Road & Air Ambulance
Hospitalisation Expenses	Sum insured covers up to 2 hours of hospitalization, including AYUSH treatments (24 hours for AYUSH treatments)
Modern Treatments	Covered up to the sum insured amount
Pre and Post Hospitalisation Expenses	60 days before and 180 days after hospitalization are covered, up to the insured amount
Home Care/Domiciliary	Covered up to the sum insured amount
Organ Donor Expenses	Covered up to the sum insured amount
Annual Health Check-Up	Covered for limited cashless tests
ReAssure Forever Benefit	Unlimited claims after the first claim, each up to the base sum insured
Lock the Clock	Pay premium based on the entry age until a claim is paid (not applicable for some variants)
Booster+ Benefit	The base sum insured carries forward up to 10x based on the age and variant
M-iracle Benefit	Carries forward the unutilized sum insured for maternity, IVF, adoption, surrogacy and more, up to the Booster+ limits
M-iracle Waiting Period	9 to 48 months depending on the variant
Live Healthy Benefit	30% discount on premium at renewal
Second Medical Opinion	Unlimited network visits per policy year
E-Consultation	No limits within the network
Optional Benefits	Fast Forward, Future Ready, Borderless, Cash-Bag, Safeguard+, WellConsult, Personal Accident, Hospital Daily Cash, Annual Deductible.
Additional Information	30 Mins Claim Processing, 10k+ Network Hospitals, 24X7 Customer Service, 10L+ Claims Processed, 1Cr+ Lives Covered.

Coverage Benefits of ReAssure 2.0 Health Insurance Policy

This table summarizes the key coverage benefits of the Niva Bupa ReAssure 2.0 Health Insurance Policy, highlighting its comprehensive nature and various unique features designed to enhance customer experience and coverage flexibility.

Coverage Benefit	Details
Sum Insured Options	₹5 lakh to ₹1 crore
Policy Tenure	1 year
Network Hospitals	8,600+
Incurred Claim Ratio (2021-22)	62.12%
Pre-existing Diseases Waiting	3 years
Specific Diseases Waiting	2 years
Initial Waiting Period	30 days
Unlimited Reinstatement	Unlimited reinstatement of the sum insured amount for the same illness after the first claim
ReAssure Forever	Base sum insured available indefinitely for future claims after the first claim
Lock the Clock	Premium is based on the entry age until the first claim, then remains locked
Booster+ Benefit	The unused sum insured can be carried forward up to 10 times the base cover
Cashless Facility	Cashless treatment at network hospitals
AYUSH Treatments	Coverage for Ayurvedic, Unani, Siddha and Homeopathy treatments
Day 1 Coverage	Smart Health+ rider covers diabetes and hypertension from day one
Annual Health Check-up	Available from day one on a cashless basis.
E-Consultations	Unlimited e-consultations are available.
Second Medical Opinion	Available once per policy year.
Ambulance Charges	Covered up to ₹2.5 lakh per hospitalization.
Home Care Treatment	Covered up to the sum insured.
Domiciliary Hospitalization	Covered up to the sum insured.
ICU Charges	Covered up to the sum insured.
No Claim Bonus	Available up to 100% of the sum insured.
Modern Treatments	Covered up to ₹1 lakh.
COVID-19 Treatment	Covered.
Exclusions	Includes congenital anomalies, sexually transmitted infections, and intentional self-harm.

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ReAssure 2.0 Health Insurance Claim Process

Below is the Niva Bupa ReAssure 2.0 health insurance claims procedure for your convenience.

Cashless Claims

1

Admit yourself at a Niva Bupa network hospital

2

Use the Niva Bupa Health Card or provide the policy number at the hospital with ID proof

3

The Network hospital will verify your identity and submit the pre-authorization request to the insurer

4

The insurer validates, reviews and confirms the network hospital by fax and email. You will be notified by text message and email. Niva Bupa usually responds within 30 minutes of filing the claim request

5

Finalize the insurance claim settlement with the hospital after completing the formalities

Reimbursement Claim Process

1

Notify the insurer within 48 hours of admission in its network or non-network hospital. Pay the amount directly to the hospital.

2

Get your documents after leaving the hospital for reimbursement

3

Send the completed and signed claim form along with your valid ID proof and age proof to the insurer. The claim form can be found on Niva Bupa’s website or in your policy document

4

The insurer will review the claim request upon receipt of your documents and either approve, query or reject it based on the policy terms and conditions

5

The insurer will settle and reimburse the approved amount according to the policy terms

OPD Reimbursements

1

Access “My Account” and then select “Raise a Claim” under the OPD tab

2

Search for the doctor by entering the details

3

Click “Raise a Claim” from the search results against the doctor who provided OPD services

4

Complete the health claim form with accurate bill and bank details, along with the required documents uploaded. Submit after completion

5

The insurer will review the insurance claim and approve, send a query or reject based on the policy terms

Diagnostic Center Reimbursements

1

Have a valid copy of the diagnostic claim reimbursement

2

Access “My Account” and select “Reimbursement Claim” in the annual health check-up tab

3

Fill out the claim form with accurate bill and bank details and upload specified documents. Submit after completion

4

The insurer will review your claim and then approve/send a query\reject it according to the policy terms

Niva Bupa ReAssure 2.0 Health Insurance Contact Details

For any assistance or query regarding Niva Bupa health insurance, kindly use the following channels to get in touch with Niva Bupa representatives.

Website: Bupa Health Insurance
Fax : +91 11 41743397
Toll-Free Number : 1860-500-8888
Office Address : 14th Floor, Capital Cyberscape, Sector 59, Gurgaon

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