Niva Bupa Reassure Plan
Niva Bupa Reassure Plan from Niva Bupa Health Insurance is made to safeguard you and your family during medical emergencies. It offers up to 1 crore of the sum insured amount to fulfil the need of those who want a higher sum insured. Niva Bupa Health Insurance provides a wide range of coverage benefits, such as in-patient hospitalization, domiciliary hospitalization, daycare treatments, etc. Moreover, Niva Bupa Health Reassure plan also offers various additional benefits along with the coverage benefits, such as booster benefits, lifelong renewability, Live Healthy benefit, etc.
Highlights of Niva Bupa Reassure Plan
Below mentioned are the highlights of the Niva Bupa Health Reassure Insurance Policy:
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Entry Age
Adult: 18 Years to 65 Years
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Renewability
Lifelong
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Policy Type
Individual and Family Floater
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Sum Insured
3L, 4L, 5L, 7.5L, 10L, 12.5L, 15L, 20L, 25L, 50L, 75L, 1 Cr
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Policy Term
1, 2, 3 Years
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Waiting Period for PED
Up to 3 years
Network Hospitals
Niva Bupa Reassure Plan Coverage Benefits
Niva Bupa Health Reassure offers various coverage benefits to its policyholders to keep them secure and comfortable during hospitalization. Below mentioned are the coverage benefits offered under the Niva Bupa Reassure Plan:
- 3L to 1 Crore
Room Rent
Up to Sum Insured
ICU Charges
Up to Sum Insured
Pre-Hospitalization
Covered up to 60 Days
Post-Hospitalization
Covered up to 180 Days
Domiciliary Hospitalization
Covered up to the Sum Insured
Home Care Treatment
Covered up to Sum Insured
Daycare Treatments
Covered up to Sum Insured
COVID-19 Treatments
Covered
No Claim Bonus
Available up to 100% of SI
Automatic Restoration
Unlimited
Organ Donor
Covered
AYUSH Treatment
Covered
Modern Treatment
Covered up to INR 1 Lakh
Ambulance Cover
Covered up to INR 2K
Air Ambulance Cover
In case of a Cashless Claim: Covered up to the sum insured In case of a Reimbursement Claim: Covered up to 2.5L
Health Checkup
Covered*
Sub-Limit
Applicable
*It provides coverage of up to INR 500 for each 1 Lakh of the insured amount (Individual policies: maximum INR 5K per Insured; Family Floater policies: maximum INR 10K per policy) for the specified list of tests.
Coverage after Waiting Period
Given below are the coverage benefits offered under the Niva Bupa Reassure insurance policy after a certain waiting period:
| Coverage Benefits | Waiting Period |
|---|---|
| Initial Waiting Period | 30 Days |
| Specific Diseases | 24 Months |
| Pre-Existing Diseases | 36 Months |
Niva Bupa Reassure Health Insurance Plan Exclusion
Below mentioned is the list of diseases and conditions that are not covered under Niva Bupa Health Reassure Plan:
- Investigation & Evaluation
- Cosmetic Surgery
- OPD treatment
- Unproven Treatments
- Unrecognized Physician or Hospital
- Breach of the law
- Conflict & Disaster
- Excluded Providers
- Hazardous or Adventure sports
- Change-of-Gender treatments
- Hormone Replacement Therapy
- Cosmetic or plastic Surgery
- Sleep disorders
- Treatment for alcoholism
- Drug or substance abuse or any addictive condition
- Dental/oral treatment
- Sterility and Infertility
- Maternity Expenses
- Circumcision
- External Congenital Anomaly
- Sexually transmitted Infections & diseases(STIs & STDs)
- HIV / AIDS
- Intentional self-inflicted Injury or attempted suicide
Niva Bupa Reassure Health Insurance Additional Benefits
Niva Bupa ReAssure Plan offers several additional riders to enhance its coverage. By adding these riders, the policyholder can enhance their basic coverage and customize their plan as per their specific needs. Below are some additional riders offered under the Niva Bupa ReAssure Plan:
- Personal Accident Cover: You can get coverage against the mishaps mentioned below by adding this add-on cover:
1. Accidental Death
2.Permanent & Total Disability
3. Permanent Partial Disability
4. Temporary Total Disability.
- Hospital Daily Cash: If your hospitalization exceeds 48 hours, you can get a daily allowance of up to 30 days with this add-on rider. You can get your Hospital Daily Cash as mentioned below:
1. Up to INR 5 Lac SI: INR 1K/day
2. 7.5 Lacs to 15 Lacs SI: INR 2K/day
3. Above 15 Lacs SI: INR 4K/day
- Safeguard Benefit: Safeguard benefit benefits policyholders in the below-mentioned ways:
1. Claim safeguard: The policyholders will get coverage for the non-payable items up to the sum insured amount.
2. Booster Benefit Safeguard: There will be no impact on the booster benefit if your claim in a policy year is less than INR 50K.
3. Sum Insured Safeguard: The Sum Insured safeguard cumulatively increases the Base Sum Insured every insurance year based on the rate of inflation. The Consumer Price Index (CPI) of the Central Statistical Organization (CSO) for the entire year will be used to calculate the Inflation Rate. Under this additional cover, the sum insured can expand without any maximum cap.
- Booster Benefit: This benefit doubles your sum insured in just two claim-free years. This means your Base Sum Insured will increase by 50%, up to a maximum of 100%, assuming there were no claims in the Policy Year.
- Shared Accommodation Cash Benefit: In shared room accommodation cash benefit, policyholders will get a daily cash amount for each continuous 24 hours of hospitalization.
- Family Discount: Policyholder will get a discount of 10% on premiums if two or more members are covered under an individual health insurance policy.
- Doctor Discount: Policyholders will get a 5% of additional discount on premiums if the insured person is a certified medical practitioner.
- ReAssure Benefit: Policyholders will get unlimited restoration of the sum insured amount for any illness and for any insured person.
- Live Healthy Benefit: The policyholder will get an additional discount of up to 30% based on the health points collected by you on the Niva Bupa Health App.
- Tenure Discount: Policyholders will get a discount of 7.5% and 15% on the premium for the second and third policy years if they pay the premium in advance for both policy terms.
