Niva Bupa Reassure Plan: Ensuring Care Beyond Hospitalization

Why Choose Niva Bupa Reassure Plan

Niva Bupa ReAssure Plan offers various sum insured options ranging from Rs. 3 Lakh to Rs. 1 Crore, so you can choose as per your needs. In addition to hospitalization expenses and Daycare expenses are covered, the policy also covers Robotic surgery & Modern treatments. It also covers Emergency Road Ambulance, Air Ambulance expenses, and E-opinions. As its name suggests, the policy provides complete coverage for COVID-19-related treatments and it is covered after 15days waiting period. This means you can begin using the policy benefits 15 days after it was enacted. As well as offering coverage benefits, the policy provides a free look period, lifetime renewal benefits, portability and migration benefits as well as tax benefits. With a cover of up to 1 crore, it protects you and your family in case of medical emergencies. As Reassure keeps giving you more, this includes booster benefits, Live Healthy benefits, add-on riders, lifelong renewals, and much more.

Network Hospital	10000+	Cashless claim approval	30Min.
Claim Settlement Ratio	99.99%	Claim type	In house claim
Eligibility Criteria

Entry age		91 Days to 65 Years
Family size		Covered upto 6 member
Tenure		1 Year, 2 Year & 3 Year
Plan Type		Individual/Family Floater
Cashless hospitalization		All over India
Base Sum Insured		3L, 4L, 5L, 7.5L, 10L, 12.5L, 15L, 20L, 25L, 50L, 75L, 1Cr

Features		ReAssure Plan
In-Patient treatment		Covered upto sum insured
Room rent		Actual
ICU Charges		Actual
Pre-Hospitalization		60 Days
Post-Hospitalization		180 Days
Day Care treatment		All Day Care treatment covered
Organ donor		Covered upto sum insured
Domiciliary Hospitalization		Covered upto sum insured
Home care treatment		Covered upto sum insured
Reassure benefit		100% of sum insured, unlimited times
Booster benefit/No Claim Bonus		50% of sum insured up to 100%
Alternative treatment		Covered upto sum insured
Modern treatment		Covered up to sum insured & sub limit of 1 lac on few robotic surgery
Road Ambulance		INR 2000/Hospitalization
Air Ambulance		Covered up to INR 2.5lakh
Share Accommodation		Up to 15lakh sum insured – INR 800/Day up to INR 4800
		Above 15lakh sum insured – INR 1000/Day up to INR 6000
Preventive health checkup		Cover from day 1
Second E-Opinion		Once in a policy year
Live healthy benefit		Renewal discount up to 30%
Tax Benefit u/s 80D		Up to INR 75000
Waiting Period
From Day One	Only Accidental
After 30 Days	Dengue, Malaria, Fever, Jaundice, Typhoid, etc
After 2 Years	Stone, hernia, Piles, Ulcer, Fistula, Gallbladder, Hip & Joint replacement, Tonsils, ENT surgery, Gyno surgery, etc
After 3 Years	Pre Existing Disease Such As Hypertension, Thyroid, Asthma, Diabetes etc.

Optional Benefits		Hospital Cash Benefit
		Personal Accident(PA)
		Safeguard Benefit
		Disease Management
		Acute Care

More Unique Features

Unlimited restoration – Claim 100% of the base sum insured unlimited times in the same time period.
Health Checkup from Day 1– Niva Bupa Reassure plan covers your health checkup from the same year onwards.
Booster Benefit - If you are not taken any claim during the policy period then your sum insured will increase by 50% of the base sum insured every year maximum up to 100%.
Renewal Discount Up To 30% - Niva Bupa offers a 30% renewal discount for staying fit and improving health.
Child covered – Child covered with parents till 30 years.

What Covered Under Niva Bupa Reassure Plan?

Lifelong renewal - Renew your cover lifelong and stay covered forever.
No sub-limit on room rent - With this health plan you can get the room you like and the treatment you deserve without any hassle.
No geography-based sub-limits - No matter where you buy your policy you can get treated in any city or hospital you like in the country with no additional co-pays or sub-limits.
Hospitalization expenses – Cover medical expenses incurred at the time of hospitalization that include Room rent, ICU expenses, Nursing expenses, Surgeon’s fees, Anesthesia fees, blood, oxygen, x-ray, etc.
Pre-hospitalization –Niva Bupa reassure plan covers medical expenses for 60 days of pre-hospitalization. These cover tests, medicine purchases, and other medical expenses that have been incurred before hospitalization.
Post-hospitalization - Niva Bupa reassure plan covers medical expenses for 180 days post-hospitalization. These cover tests, medicine purchases, and other medical expenses that have been incurred after discharge.
Day Care treatment – Day-care treatments are those surgery that take hospitalization less than 24 hours like Stone, Cataract, Dialysis, Chemotherapy, Radiotherapy etc.
Road ambulance – Niva Bupa's reassure plan covers road ambulance cost up to INR 2000/hospitalization.
Emergency air ambulance – Niva Bupa's reassure plan covers Air Ambulance expenses maximum of up to INR 2.5lakh.
Share accommodation – If you choose to share accommodation Up to Rs. 15lakh sum insured you will get INR 800/Day up to INR 4800 and above 15 lakh sum insured you will get INR 1000/Day up to INR 6000.
Preventive health checkup – You will get preventive health checkup benefits from the same year onwards, irrespective of claim.
Reassure Benefit– With the unlimited reinstatement benefit of reassure plan, if any claim, partial or full, is made at any time during the same policy period, then 100% of the cover gets restored in the policy automatically multiple times, without any additional cost.
Home health care – Get treated at Home.
Second medical opinion – Once for any condition for which hospitalization is triggered.
Alternative treatment – Niva Bupa reassure plan covers In-patient hospitalization expenses even for alternate treatments method. Ayurveda, yoga, naturopathy, Unani, Siddha, and homeopathy are covered.
Modern Treatment – Modern treatment Covered treatments like deep brain stimulation, oral chemotherapy to robotic surgery, stem cell therapy, bronchial thermoplasty, intra vitreal injections balloon Sinuplasty, etc.
Domiciliary hospitalization – Secure all medical expenses during domiciliary hospitalization.
Organ donor expenses – The company will indemnify the Medical Expenses incurred for a living organ donor’s treatment as an Inpatient for the harvesting of the organ donated.
Tax benefits - You can avail of tax benefits for the premium amount under Section 80 D of the Income Tax Act.
Free look period – Get a 15-day free look period to understand and change your decision.

Discounts

Long Term Discount – Pay for a 2 years policy term and get a 7.5% discount and a 15% discount on choosing 3 years policy term.
Family Discount - 10% on family discounts on 2 or more members who are covered under an individual policy.
Standing Instruction Discount – 2.5% Discount on auto debit on renewal.
Doctor Discount – 5% discount if an insured person is a certified medical practitioner.
Live Healthy Benefit – Collect health points by taking steps and get a 30% discount on renewal.

Add on covers

Hospital Daily Cash Benefit – Company will pay an Insured, an additional fixed amount for each day’s hospitalization for a maximum of up to 30 days. One day is considered 24 continuous hours of hospitalization.
Personal Accident – In the event of the unfortunate demise of the insured within the policy period from the date of the Accident, the company will pay the Sum Insured. The Personal accident benefit will terminate after the Accidental Death benefit is paid for.
Safeguard - Limited Non-payable items will be covered with a safeguard feature.
Acute Care - Get the best care with unlimited tele consultations.
Disease Management – From day 1 coverage for hypertension & diabetes.

Renewal Process

Life-long Renewal - Get a life-long renewal, regardless of your health status or previous claims made under your policy.
Sum Insured Enhancement - To protect yourself from rising medical expenses, you can enhance your sum insured or add more members of your family to your existing policy at the time of renewal.
Portability and Migration - You can port or migrate your policy at the time of renewal. Please reach out to us for any queries regarding migration and portability.

How to File a Claim

You can file a claim in Niva bupa reassure plan in two ways as mentioned below:

1. Cashless Claim

Intimation – Fill up the pre-authorization form at the network hospital for cashless approval.
Approval/ rejection – once the hospital intimates the company, the company sends you the status update.
Hospitalization – hospitalization can be done on the basis of pre-authorization approval.
Claim settlement – at the time of Discharge Company will settle the claim directly with the hospital.

2. Reimbursement

Hospitalization – you need to pay the bills initially and preserve the original invoices.
Register your claim – Post-hospital discharge send to the company all your invoices and documents.
Verification – The company verifies your claim-related invoices and treatment documents.
Claim settlement – The company sends the approved amount to your bank account.

Exclusions of Niva Bupa Reassure Plan

Conflict & Disaster: Treatment for any Injury or Illness resulting directly or indirectly from nuclear, radiological emissions, war or war-like situations, or rebellion.
Breach of law – The company does not cover expenses for treatment directly arising from or consequent upon any insured person committing or attempting a breach of law with criminal intent.
Treatment for alcoholism & drug abuse – Treatment for alcoholism, drug or substance abuse, or any addictive condition and consequence thereof remain uncovered.
Congenital external disease, defects, or anomalies – The company does not cover medical expenses incurred for congenital external disease defects or anomalies.
Maternity Expenses - Pregnancy, dental treatment, external aids, and appliances.
Investigation & Evaluation - Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded. Any diagnostic expenses which are not related or not incidental to the current diagnosis and treatment are excluded.
Unproven Treatments - Expenses related to any unproven treatment, services, and supplies for or in connection with any treatment. Unproven treatments are treatments, procedures, or supplies that lack significant medical documentation to support their electiveness.
Unrecognized Physician or Hospital - Treatment or Medical Advice provided by a Medical Practitioner not recognized by the Medical Council of India or by Central Council of Indian Medicine or by Central Council of Homeopathy.
Costs that are not Reasonable and customary and treatments that are not medically Necessary.

FAQ

Is it possible to claim tax benefits on the premiums paid for my Reassure Policy?

Yes, of course. Under Section 80D of the Income Tax Act, 1961, if you are covered under a Reassure policy, you can claim tax benefits on the premium paid. You can claim a maximum of Rs. 25,000 as a taxpayer when including yourself, your spouse, and your dependent children. You can receive tax benefits up to Rs. 50,000 if you are a senior citizen

Is it possible to increase the sum insured under my Niva Bupa Health Insurance Reassure Policy?

That's right. When you renew your Reassure policy, you can increase the sum insured. In addition, to sum insured enhancement, you can also include members in your policy.

Under this policy, how many days am I covered for pre-hospitalization and post-hospitalization expenses?

Under this policy, you are covered for 30 days of pre-hospitalization and 180 days of post-hospitalization expenses.

Is Reassure Policy portable and migrate able?

Yes, of course. At the time of policy renewal, you can take advantage of portability or migration benefits.

Can I get modern treatments covered by this policy?

Definitely. There are several modern treatments covered by this policy, including oral chemotherapy, balloon Sinuplasty, bronchial thermoplasty, intra vitreal injections, deep brain stimulation, etc.

Download Brochure