Niva Bupa ReAssure Health Insurance

Niva Bupa's ReAssure Health Insurance is a fantastic all-inclusive medical insurance plan that is available for both individuals and families. You can pick a sum insured amount that suits your needs, starting from Rs. 3 Lakh up to Rs. 1 Crore. This plan covers various healthcare costs like hospitalisation, daycare, pre and post-hospitalisation expenses, modern treatments, and even ambulance charges. Plus, it goes the extra mile, offering coverage for emergency road and air ambulance expenses, second medical opinions, and home-based care.

Moreover, you won't have to wait long to enjoy the benefits because the waiting period is just 15 days from the policy start date. Beyond the coverage perks, you get a free look period, the option to renew your policy for life, easy portability, and tax advantages in line with tax laws. With Niva Bupa's ReAssure plan, your health is in good hands.

Health ReAssure Health Insurance At a Glance

Health ReAssure Health Insurance highlights are listed below in the table:

Riders Available With Health ReAssure Health Insurance

Rides available with Niva Bupa ReAssure Health Insurance Plan include the following:

• Personal Accident Cover: Personal Accident coverage depends on the initial sum insured, ensuring you receive the right protection tailored to your needs in case of an accident.
• Hospital Cash: With this add-on, you'll receive extra financial support during extended hospital stays. It offers hospital cash for up to 30 days when your hospitalisation exceeds 48 hours.
• Extra Safeguards: With Safeguard Rider, enjoy added benefits, including an annual increase in coverage to keep pace with inflation, protection for expenses that aren't typically covered, and no impact on your booster benefit, providing a comprehensive and worry-free safeguard for your well-being.

Key Features of Health ReAssure Health Insurance Plan

The following are the key features of the Health ReAssure Health Insurance Plan:

• ReAssure - This feature is like a safety net for your health. It allows for an unlimited number of reinstatements in a policy year, whether it's for the same illness or different ones. You can rest easy knowing your coverage is always there when needed.
• Live Healthy Benefit - Stay fit, and your wallet will thank you! Yes, by taking more steps and staying active, you can enjoy up to a 30% discount on your renewal premium. It's a great motivator to maintain a healthy lifestyle.
• Booster Benefit -. If you have a year without making any claims, your coverage increases by 50%, with a maximum of 100%. Conversely, if you do make a claim, it reduces by 50%. It's a unique way to reward you for staying healthy.
• Health Check-Up - The health check-up feature allows all insured members to have health check-ups, helping you catch potential health issues early and take preventive measures.
• Tax Benefit - ReAssure Niva Bupa Health coverage can also help you save on taxes. You can benefit from tax savings on the premiums paid under Section 80D of the Income Tax Act.
• Renewal for Life - With this policy, you have the assurance of lifelong renewal, and you won't face extra costs based on your claim history. It's a comforting guarantee that your coverage remains accessible as you age.

Eligibility Criteria of Health ReAssure Health Insurance Plan

The eligibility criteria for the Health ReAssure insurance plan are as follows:

Benefits of Health ReAssure Health Insurance Plan

This health insurance plan brings the following benefits to its policyholders:

• Modern Treatments: Your plan covers advanced procedures like oral chemotherapy and deep-brain stimulation, ensuring you have access to cutting-edge healthcare.
• Live Healthy Benefit: Take steps to stay healthy, and you can enjoy up to a 30% discount on your renewal premium, encouraging you to maintain a fit and active lifestyle.
• ReAssure Benefit: Enjoy peace of mind with unlimited reinstatements of your coverage, up to the base sum insured within a year, ensuring you're always protected.
• Booster Benefit: When you stay claim-free, your coverage increases by 50%, up to a maximum of 100%. However, in the case of a claim, your coverage is reduced by 50%, motivating you to stay healthy.
• Cashless Facility: Access hassle-free cashless medical care at any of the network hospitals, making the process of getting treatment smoother and more convenient.
• Alternative Treatment: Your plan also covers alternative therapies like Ayurveda, Unani, Siddha, and Homeopathic treatments, offering you a holistic approach to healthcare beyond conventional medicine.

Inclusions of Health ReAssure Health Insurance Plan

Inclusions of the Health ReAssure plan by Niva Bupa are mentioned below:

• Hospitalisation: Receive coverage for all insured members when hospitalised.
• Hospital Accommodation: Your room rent and ICU charges are covered up to the sum insured, with no caps on expenses.
• Pre & Post Hospitalisation Medical Expenses: The policy covers expenses 60 days before and 180 days after hospitalisation, ensuring you're protected throughout your recovery.
• Domiciliary Hospitalisation: If a hospital bed isn't available or your doctor advises treatment at home, the policy reimburses you for the medical care you receive there.
• Organ Transplant: Medical expenses for the organ donor's treatment are also covered, providing comprehensive protection.
• Emergency Ambulance: Get coverage for ambulance expenses following an emergency, with payment made once in-patient claims are approved.
• All Day-Care Treatment Covered: Your health insurance covers a wide range of treatments, including dental, ENT, and other procedures, ensuring you receive the care you need.

Exclusions of Health ReAssure Health Insurance Plan

The exclusions in the Niva Bupa Health ReAssure insurance plan are as follows:

• Obesity/Weight Control: Treatments related to weight management or obesity are not included.
• Change-of-Gender Treatments: Procedures for gender transition are excluded from your coverage.
• Cosmetic or Plastic Surgery: Elective cosmetic surgeries are not covered by your policy.
• Hazardous or Adventure Sports: Injuries sustained during extreme or adventure sports activities are not part of your coverage.
• Breach of Law: Any healthcare expenses arising from illegal activities are not covered.
• Excluded Providers: Certain healthcare providers might not be included; check your policy details for specifics.
• Charges Not Mentioned: Any hospital costs not explicitly specified in the policy are not funded.
• Conflict & Disaster: Injuries resulting from conflicts or natural disasters may not be part of your coverage.

Documents Required to Buy Health ReAssure Plan

You will need the below-mentioned documents:

• Duly filled application form.
• Identity Proof documents, such as Aadhar card, Passport, Voter ID, or Driver's license.
• Proof of age with documents like a Birth Certificate, School Leaving Certificate, or Passport.
• Proof of address with Utility Bills, Rental Agreement, or your Aadhar Card.
• Provide passport-sized photographs.
• Sometimes, you might need to provide health check-up reports.
• Any other documents requested by the insurance company.

How to Buy Health Reassure Health Insurance?

To buy the Health ReAssure Insurance Plan, you need to follow the steps below:

Step 1: Visit the InsuranceDekho website.

Step 2: Click on "Health Insurance."

Step 3: Choose "Niva Bupa Health Insurance" from the list of health insurance companies.

Step 4: Select the "Health ReAssure" plan.

Step 5: Read the policy document carefully.

Step 6: Upload the required documents for verification.

Step 7: Make the premium payment online.

Step 8: You'll receive the policy document via email.

Claim Process for Health ReAssure Insurance

Below are the ways of claim process for Health ReAssure Health Insurance policy:

Cashless Claim

• Go to a hospital that's partnered with Niva Bupa.
• Provide your Health ReAssureplan details and other information.
• Submit the necessary documents.
• The insurance company will approve and directly pay the hospital for your expenses.

Reimbursement Claim

• Choose a hospital within Niva Bupa's network.
• Pay your medical bills at the hospital.
• Request a reimbursement claim on the insurance company's website.
• Submit the Niva Bupa Health Reassure claim form and related information.
• The insurance company will review your claim and reimburse you for the medical expenses you paid.