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Niva Bupa ReAssure 2.0
Nothing Seems Impossible — India's Most Trusted Family Health Protection with ReAssure Forever
Comprehensive health insurance providing ReAssure Forever unlimited reinstatement from your very first claim, 3X Booster+ unutilised sum carry forward, and cashless day-1 health check-ups.
Plan Details & Concept
Niva Bupa ReAssure 2.0 redefines health insurance security for modern Indian families. Engineered to eliminate coverage exhaustion anxiety, ReAssure 2.0 introduces 'ReAssure Forever', a revolutionary feature that triggers from your very first claim and continues to reinstate your base sum insured an unlimited number of times for any illness — whether related or unrelated — for the rest of your life.
With Booster+ offering up to 300% (3X) unutilized sum insured carry-forward that never diminishes on claim, coupled with 'Lock the Clock' age-locking benefits and Day-1 preventive health screenings, ReAssure 2.0 ensures that escalating medical inflation never stands between your family and premier medical treatments.
Core Benefits & Highlights
ReAssure Forever
Turns on after the 1st claim; unlimited reinstatement forever, each claim up to base sum insured
Booster+ 3X
Unutilised base sum insured carries forward up to 300% and does not decrease even after claims
Lock the Clock
Pay premium as per entry age until a claim is paid, locking in substantial long-term savings
Live Healthy
Earn up to 30% renewal premium discounts based on active daily step counts on Niva Bupa app
Day 1 Health Check-Up
Cashless comprehensive preventive health check-up from day 1 for all covered adults
Any Room Rent
Freedom to choose Single Private Room without room rent deductions or proportionate penalties
AYUSH Treatment
In-patient hospitalization under Ayurveda, Yoga, Unani, Siddha, and Homeopathy covered up to SI
Modern Surgeries
Comprehensive coverage for robotic surgery, stem cell, and oral chemotherapy up to SI
Pre & Post Hospitalization
60 days pre-hospitalization and 180 days post-hospitalization medical expenses covered
Emergency Road Ambulance
Cashless assistance up to ₹2,000 per hospitalization within network
Inpatient & Hospitalization Scope
| Coverage Benefit | Coverage Limit / Terms |
|---|---|
| Sum Insured Options | ₹5 Lakh, ₹7.5 Lakh, ₹10 Lakh, ₹15 Lakh, ₹20 Lakh, ₹25 Lakh, ₹50 Lakh, and ₹1 Crore |
| In-Patient Hospitalization | Covered up to Sum Insured for 24+ hours hospitalization (or eligible day care) |
| ReAssure Forever | Unlimited reinstatement of 100% Sum Insured triggered after first claim, applicable for any illness |
| Booster+ Carry Forward | Unutilized Base Sum Insured carries forward up to 3X (300%) and does not reduce even if a claim is paid |
| Lock the Clock | Pay premiums according to your entry age until you make your first claim under the policy |
| Room Rent & ICU Charges | Any room category covered up to Sum Insured (Single Private Room or higher depending on tier) |
| Pre-Hospitalization Expenses | Medical expenses covered for up to 60 days prior to hospital admission |
| Post-Hospitalization Expenses | Medical expenses covered for up to 180 days after hospital discharge |
| Day Care Procedures | All day care treatments covered up to Sum Insured with no sub-limits |
| AYUSH Hospitalization | Inpatient treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy covered up to SI |
| Modern & Robotic Surgeries | Balloon Sinuplasty, Deep Brain Stimulation, Oral Chemo, Robotic Surgeries covered up to SI |
| Road Ambulance Cover | Covered up to ₹2,000 per hospitalization or actuals within network hospitals |
| Annual Health Check-Up | Comprehensive cashless check-up from Day 1 for all covered adults regardless of claims |
Advanced Policy Innovations
- ReAssure Forever: Unlimited automatic replenishment of your base Sum Insured triggered from the 1st claim, valid for lifetime
- Booster+ 3X: Up to 300% cumulative bonus addition to your base cover that remains intact even after claim settlement
- Lock the Clock: Lock your entry age premium until your first claim is filed, insulating you from standard age bracket hikes
- Live Healthy Discount: Get up to 30% discount on renewal premium by maintaining daily step count on Niva Bupa App
- Second Medical Opinion: Access to independent expert second opinions for critical conditions from leading medical specialists
- No Proportionate Deductions: Zero proportionate room deductions if admitted into higher room categories within eligible criteria
Customize With Optional Riders
Safeguard+ Add-On
Full reimbursement of 68 non-payable medical consumables and inflation-adjusted sum insured protection
Personal Accident Protection
Lump sum payout up to 5X Base Sum Insured (max ₹1 Crore) in case of accidental death or permanent disability
Hospital Daily Cash
₹1,000 to ₹4,000 per day for up to 30 days per hospitalization period
Pre-Existing Disease Reduction
Reduce pre-existing disease waiting period from 36 months down to 12 or 24 months
International Travel Emergency
Emergency cashless medical assistance while traveling abroad for vacation or work
Entry Guidelines & Waiting Periods
Minimum Entry Age: 18 years for adults, 91 days for children.
Maximum Entry Age: No upper age limit for adults, 24 years for dependent children.
Cover Type: Individual or Family Floater (up to 2 Adults + 4 Children).
Policy Term: 1, 2, or 3 years.
Waiting Periods: 30 days initial waiting period (not applicable on accidents), 24 months for listed specific diseases, 36 months for pre-existing ailments (reducible via optional rider).
Our Healthcare Commitments
30 Mins
Cashless Claim Processing
10,000+
Network Hospitals
24x7
Customer Service Support
10 Lakh+
Claims Successfully Processed
Regulatory Disclaimer
Niva Bupa Health Insurance Company Limited. Registered Office: C-98, Lajpat Nagar 1, New Delhi-110024. Corporate Office: Logix Cyber Park, Tower B, Sector 62, Noida, UP-201301. IRDAI Registration No. 145. Product Name: Niva Bupa ReAssure 2.0. UIN: NBHHLIP26042V022526. CIN: U66000DL2008PLC182918. Insurance is a subject matter of solicitation.
Official Policy Brochure
Download the complete product brochure for Niva Bupa ReAssure 2.0 with all terms, waiting periods, and schedules.
Download Plan Brochure