Niva Bupa ReAssure 2.0

Plan details

Every field, in one place

Honesty note: NCB displaced by Booster+ benefit — single ncbPercent not meaningful, hence null. Verify Booster+ caps against current ReAssure 2.0 policy wording.

Indicative premium

Order-of-magnitude only — NOT a quote

Indicative figures vary by city, family member count, medical loading and policy term. Always confirm on the insurer's premium calculator.

Known exclusions

What this plan typically does NOT cover

• ✕Cosmetic and weight-loss surgery (unless medically necessary)
• ✕Pregnancy, childbirth and related complications (unless rider)
• ✕AYUSH treatments outside listed institutions
• ✕Self-inflicted injury and substance abuse
• ✕Experimental / unproven treatments

Known traps

The fine print that decides claim outcomes

• ▸ReAssure unlimited restoration triggers ONCE per policy year regardless of illness — but the marketing says unlimited.
• ▸Booster+ benefit (carry-forward unutilised cover) caps at 10x base sum insured over 10 years.
• ▸Renewal age cutoffs override IRDAI lifetime renewability on some variants — confirm before locking in at 60+.
• ▸Hospital must have minimum 15 in-patient beds (non-metro 10) — restrictive for tier-3 cities.
• ▸Lock The Clock (premium frozen at entry age) only applies if first policy bought before age 35.

How to claim

Cashless vs reimbursement — the steps

1. 1Notify insurer. Within 24 hours of emergency admission or 48-72 hours for planned hospitalisation. Use Niva Bupa's helpline or app — keep the reference number.
2. 2Cashless: Pre-authorisation form filled by hospital, sent to Niva Bupavia the hospital's TPA desk. Approval typically 4-6 hours during business; longer overnight. If your hospital is OUT of network (or PPN-only), you'll be on reimbursement.
3. 3Reimbursement:Pay hospital out-of-pocket, then submit claim form + original bills + discharge summary + investigation reports + KYC. Insurer's IRDAI-mandated turnaround is 30 working days from receipt of complete documents.
4. 4Watch for deductions. Room rent above your eligible category triggers proportionate deduction across the WHOLE bill, not just room rent. Sub-limits on cataract / modern treatment apply even when total SI is far higher.
5. 5If denied: Ask for a written denial citing the exact clause. Internal grievance redressal first, then IRDAI Bima Bharosa or the Insurance Ombudsman.