Niva Bupa ReAssure 2.0 Health Insurance

Niva Bupa ReAssure 2.0 is a health insurance plan that provides comprehensive coverage. The plan is available in three variants- platinum+, bronze, and titanium+. Additionally, policyholders can buy ReAssure 2.0 health plans either on an individual basis or on a family floater basis. Read on to find out more about ReAssure 2.0 in detail.

Niva Bupa ReAssure 2.0 Plan Details at a Glance

Coverage	Individual and Family cover
Riders	Hospital cash, Safegaurd benefit
Variants	Bronze, Platinum, and Titanium
Key features	Cashless hospitalisation, wellness discount, renewal discount, etc
Inclusion	Pre and post hospitalisation, Day care treatment, AYUSH treatment, E-consultation, Annual health check-up, etc
Exclusion	Maternity treatment, Cosmetic or plastic surgery, Obesity or weight control treatments, Infertility or sterility, Dental treatments, etc

Niva Bupa ReAssure 2.0 Plan

ReAssure 2.0 is a comprehensive health insurance policy that provides both individual and family coverage. The plan provides numerous benefits to policyholders and is considered one of India's best health insurance plans. This health plan will ensure financial protection for both you and your loved ones. Additionally, insured individuals can keep track of their health by going for regular health checkups. Aside from standard benefits, policyholders of the Niva Bupa ReAssure 2.0 plan can avail of multiple discounts on their premium amount.

Key Features of Niva Bupa ReAssure 2.0

The key features of the Niva Bupa ReAssure 2.0 Plan are as follows:

• Variants: The policyholders can choose from three variants: titanium+, bronze, and platinum+ health insurance plans. So, depending on your budget and need, you can choose the variant.

• Cashless Hospitalization: You can avail of cashless treatment facilities at 10,000+ network hospitals of Niva Bupa Health Insurance.

• Quick Claim Settlement: Niva Bupa has a high claim settlement ratio of 90.70%. Therefore, the company is more reliable and trustworthy when it comes to claim settlement.

• Waiting Period: The initial waiting period for ReAssure 2.0 plan is 30 days. However, the policyholders with any pre-existing condition may have to serve 2 2-year waiting period.

• Discounts: The policyholders can avail of up to 30% discount on their ReAssure 2.0 health plan for living a healthy lifestyle.

Eligibility Criteria For Niva Bupa ReAssure 2.0 Plan

The Niva Bupa ReAssure 2.0 Plan policyholders should meet the following eligibility criteria:

Parameters	Eligibility Criteria
Entry age	18-65 years
Sum assured	Rs. 5 lakh - Rs. 1 crore
Type of Coverage	Individual, family-floater, multi-individual
No. of family members covered	6
Policy tenure	1 year
Renewability	Lifetime

Benefits of Niva Bupa ReAssure 2.0 Plan

The following are the benefits of the Niva Bupa ReAssure 2.0 health plan:

• Regular Health Check-Ups: The policyholders can take care of their health by going for regular health check-ups. Additionally, you get unlimited medical teleconsultations if you purchase Smart Health+rider with this health insurance plan.
• Discount on Premium: You can enjoy up to a 30% discount on a premium paid against your Niva Bupa ReAssure 2.0 Plan if you maintain a healthy lifestyle.
• ReAssure+ Benefit: With this benefit, the policyholders can pay as per entry age and ReAssure Forever after their first claim.
• Booster+ Benefit: The policyholders of ReAssure 2.0 health plan, the policyholders can carry forward the unused sum assured up to 10 times of base insurance cover.
• Alternative Treatments: In addition to allopathy treatment, the policyholders of the Niva Bupa ReAssure 2.0 health plan can opt for other treatment methods such as Ayurvedic, Siddha, Unani, and Homeopathy.

Variants of Niva Bupa ReAssure 2.0 Health Insurance

There are basically three variants that you can choose when you are buying the Niva Bupa ReAssure 2.0 Health Plan. These variants are Bronze, Platinium, and Titanium. While most of the coverage offered under these variants is the same, however, the coverage amount may vary. So, listed below are the differences between the variants of the Niva Bupa ReAssure 2.0 Health Insurance plan that you should know about:

Parametres	Bronze	Platinum	Titanium
Sum Insured	Rs. 5 lakhs - Rs. 100 lakhs	Rs. 5 lakhs - Rs. 100 lakhs	Rs. 5 lakhs - Rs. 100 lakhs
In-patient Care	Up to SI	Up to SI	Up to SI
Booster	3X - unutilised sum insured gets forward up to 3 times	5X - unutilised sum insured gets forward up to 5 times	10X - unutilised sum insured gets forward up to 10 times
Live Healthy	Up to 30% discount during renewal	Up to 30% discount during renewal	Up to 30% discount during renewal
Organ donor expenses	Covered up to SI	Covered up to SI	Covered up to SI
Riders	Hospital Cash, Personal Accident, Safeguard, Safeguard+, Annual Aggregate Deductible	Hospital Cash, Personal Accident, Safeguard, Safeguard+, Annual Aggregate Deductible	Hospital Cash, Personal Accident, Safeguard, Safeguard+, Annual Aggregate Deductible

Inclusions And Exclusions For Niva Bupa ReAssure 2.0 Plan

Like all other health insurance plans, there are some benefits that are not covered under the Niva Bupa Health Insurance ReAssure 2.0 plan. It is crucial that you understand all the inclusions and exclusions of this plan to avoid any claim rejections in the future. Let’s dive into more details!

Inclusions For ReAssure 2.0 Health Plan

• In-patient care
• Pre-hospitalization treatment cost
• Post-hospitalization expenses
• Modern treatments
• Road and air ambulance
• Day care treatment
• AYUSH treatment
• Domiciliary hospitalization
• Annual health check-ups
• Second medical opinion
• E-consultation

Exclusions For ReAssure 2.0 Health Plan

• Maternity treatment
• Cosmetic or plastic surgery
• Obesity or weight control treatments
• Infertility or sterility
• Dental treatments
• Unproven treatments
• Artificial life maintenance
• Hazardous or adventure sports
• External congenital treatments

Riders For Niva Bupa ReAssure 2.0 Plan

Riders are additional benefits that insured individuals can purchase along with their standard health insurance. The policyholders of Niva Bupa ReAssure 2.0 health insurance can also enhance their health insurance plan coverage by purchasing riders. Some of the riders offered under this plan are highlighted below:

• Hospital Cash Benefit: A health insurance company pays hospital cash benefit for up to 30 days of hospitalisation if the policyholder is hospitalised for more than 48 hours.
• Safeguard Benefit: Get additional benefits like an increase in the sum assured based on the inflation rate annually, coverage for consumable items, and more.

Process To Buy Niva Bupa ReAssure 2.0 Plan

Individuals who want to ensure financial protection for themselves and their families during medical illnesses can buy the Niva Bupa ReAssure 2.0 Plan. The steps you need to follow are highlighted below:

Documents Required To Buy ReAssure 2.0 Plan

• Income proof
• Identity proof
• Bank details
• Nominee information
• Recent medical reports
• Policy form
• Address proof

Steps You Should Follow To Buy ReAssure 2.0 Plan

• Visit the official website of InsuranceDekho.
• Under the “health insurance companies” category, click on the “Niva Bupa Health Insurance” section.
• Select ReAssure 2.0 health plan from the list of health plans available.
• Read all the terms and conditions mentioned in the Niva Bupa ReAssure 2.0 policy wording carefully.
• Upload all the necessary documents to complete the KYC process.
• Make an online premium payment once the KYC process is completed.
• You will get the policy document at your registered e-mail address.

Process To Claim Niva Bupa ReAssure 2.0 Plan

The policyholders can make easy and hassle-free claims for their ReAssure 2.0 Plan. Niva Bupa is one of the best health insurance companies in India and provides a 30-minute claim settlement process to its policyholders. Read on to find out the process in detail!

Documents Required To Claim ReAssure 2.0 Plan

• Hospital discharge summary
• Photo ID proof
• Diagnosis reports
• Surgeon’s bills and receipts
• Original hospital bills and other treatment bills
• Copy of medico-legal certificate or 3-month salary slip
• Details of the surgeon or medical practitioner
• FIR copy in case of accidental hospitalisation

Steps You Should Follow To Claim ReAssure 2.0 Plan

ReAssure 2.0 health plan policyholders can either visit the network hospital of an insurance company to make cashless claims or visit the hospital of their choice and reimburse the claim settlement amount later. Here is a detailed guide that you will need to follow in each case:

For Cashless Claims

• Get hospitalized at any network hospital of an insurance company.
• The hospital authorities may ask you to show your Niva Bupa Health Card for identification purposes. Additionally, you may be required to submit policy details like the policy number, previous claim details, and more.
• The network hospital may verify the details you submit and will send the pre-authorization request form to a health insurance company.
• An insurance company will evaluate the claim request and will provide confirmation to the network hospital via fax or email.
• Once the above process is completed, the insurer will directly settle the claim with a network hospital.

For Reimbursement Claims

• Visit any hospital or medical service provider of your choice.
• Get the treatment and pay the bills from your own pocket.
• Now, download the claim application form on the day of discharge. Moreover, collect all the above-mentioned necessary documents from the hospital.
• Submit the application form along with all the other documents attached.
• Niva Bupa Health Insurance will verify the documents submitted by you. Once the verification process is completed, the company will settle your claim.