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Niva Bupa ReAssure Health Insurance

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Niva Bupa Health Insurance
ReAssure Policy
Claim Settlement Ratio91.20%
COVID-19 CoverYes
Inception2008
Incurred Claim Ratio54%
Network Hospitals4,500+
RenewabilityLifetime

About Niva Bupa ReAssure Health Insurance

ReAssure Policy offered by Niva Bupa Health Insurance is a feature-packed comprehensive medical insurance policy that offers both individuals as well as family floater coverage. It comes with sum insured options starting from Rs. 3 Lakh going up to Rs. 1 Crore, which you can select as per your requirement. The policy covers you for various healthcare expenses, some of which include in-patient hospitalisation expenses, daycare expenses, pre-hospitalisation and post-hospitalisation expenses, modern treatments, ambulance expenses, among others. It also ensures care beyond hospitalisation, by offering you cover for emergency road and air ambulance expenses, second medical opinion, domiciliary hospitalisation expenses, and so on.

As the name suggests, the policy offers complete reassurance for treatments required due to a positive diagnosis of COVID-19. Another good news is that the waiting period under the policy has been reduced to 15 days, which means that you can start availing of policy benefits after 15 days from the date of inception of the policy. Apart from the coverage benefits, the policy offers you a free look period, lifetime renewability benefits, portability and migration benefits, as well as tax benefits as per the prevailing tax laws.

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Disclaimer : Actual Premium might vary basis your location, age and number of members
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Key Inclusions and Exclusions of the Plan

What's Included

  • All daycare expenses
  • In-patient hospitalisation expenses
  • Pre-hospitalisation and post-hospitalisation expenses
  • Organ donor expenses
  • Road ambulance expenses are included under the plan

What's Not Included

  • Treatment taken outside India
  • Change for gender treatments
  • Treatment required for injury due to participation in adventure sports
  • Cosmetic and plastic surgery expenses
  • Dietary supplements purchased without a prescription

1904 Niva Bupa Cashless Network Hospitals in India

Add-ons to Enhance Benefits

  • Personal Accident

    This ad-on benefit offers you coverage in case of death occurring due to an accident, for up to base sum insured. You can buy this at the time of policy purchase.
  • Hospital Cash

    Hospital cash add-on provides you a pre-decided amount on hospitalisation for more than 48 hours, for a maximum of 30 days. You can buy this add-on by paying an extra premium at the time of policy purchase.
  • Safeguard

    Safeguard provides you access to additional benefits such as annual increase in coverage on the basis of inflation rate, coverage for non-payable items and no impact on booster benefit. It is not compulsory to buy this rider but you can include it to enjoy extra coverage.

Claim Process at Niva Bupa Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on ReAssure Policy Health Insurance Plan

  • If covered under ReAssure Policy, can I avail tax benefits on the premium paid for it?

    Yes. If covered under ReAssure Policy, you can avail tax benefits on the premium paid for it, under Section 80D of the Income Tax Act, 1961, as per the prevailing tax laws. As a taxpayer, you can avail a maximum of Rs. 15,000 on including self, spouse, and dependent children. If you are a senior citizen, you can avail tax benefits for up to Rs. 20,000 

  • Can I enhance the sum insured under my ReAssure Policy offered by Niva Bupa Health Insurance?

    Yes. You can increase the sum insured of your ReAssure policy at the time of policy renewal. Not only sum insured enhancement, but you can also include members under your policy. 

  • Fow how many days am I covered for pre-hospitalisation and post-hospitalisation expenses under this policy?

    You are covered for 30 days pre-hospitalisation and 180 days post-hospitalisation expenses under this policy.

  • Does ReAssure Policy offer me portability and migration benefits?

    Yes. You can avail portability or migration benefits at the time of policy renewal. 

  • Does this policy cover me for modern treatments?

    Yes. This policy covers you for several modern treatments such as oral chemotherapy, balloon sinuplasty, bronchial thermoplasty, intra vitreal injections, deep brain stimulation, etc. 

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