Niva Bupa health insurance plans

Niva Bupa ReAssure Family Health Insurance

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Key Highlights of Health ReAssure Family Health Insurance

A health insurance plan designed to give you and your family more than you expect from a health insurance plan.

Key features of Health ReAssure Family Health Insurance

  • Room Rent: Covered upto Sum Insured
  • Sum Insured: Rs. 3 lakhs to 1.crore
  • Renewal: Lifelong

Niva Bupa Health Insurance review

Niva Bupa Health Insurance
Niva Bupa Health Insurance sum insured
2 lacs − 300 lacs options available
Incurred Claims Ratio *
54.00%
Niva Bupa Health Insurance tenure options
1 year
Claims Settlement Ratio **
85.96%
List of network hospitals
6,900+ hospitals
Number of policies issued *
696,107
Maximum family floater coverage
Self, Spouse + 4 dependent children
Number of lives covered *
54,33,000
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website

Niva Bupa ReAssure Family Health Insurance features

  • Key advantages
  • Unique features
  • Benefits
  • Exclusions

Niva Bupa ReAssure some of the key advantages of the policy are as follows:

Reassure
Feature Explanation
Plan Options Individual or Family Floater Policies available
Cashless 6900+ Network Hospital- Upto Sum Insured
Pre Hospitalisation
Post Hospitalisation
60 Days
180 Days
Day Care Treatment All Treatments covered
ReAssure benefit Unlimited Reinstatements of Sum Insured for the same & different illness / ailments
Premium NO Co- PAY Standard across the country - NO Zone Wise Capping
Co – Pay NIL
Room Rent Capping Single Private Room – no Room Rent capping at all Health Check Up Annual Health Check-up is available from Day 1 of Policy and limit in 1 Cr plan is Rs 5000 for Individual and Rs 10,000 for Family Floater
Air Ambulance Cover Covered upto the Sum Insured
No Claim Bonus 20% & max 200%- Rider- No Reduce
Booster Benefit 50% Additional Sum Insured in case of no claim, max up to 100% - this means in two claim free years the Sum Insured gets doubled
Live healthy benefit Simply walk & get up to 30% discount on renewal premium
Safeguard Truly cashless feature with coverage even for non-payables like PPE kit, gloves and more
Shared Accommodation Benefit Cash benefit at ₹1,000 per day upto ₹6,000
Claims Processing Time 30 minutes for Cashless Claims, subject to all formalities being completed

There is no Pre Medical Check up or screening required at any age and for any Sum Insured. However the underwriting details are as follows:
  • Till 60 Years(NO Pre Existing Diseases(PED) ) – Straight Through Policy (STP) Issuance - If you don't have a Pre Existing condition to declare, the policy will be issued straight through, post Tele-underwriting
  • PED at any age- Tele Required & Required Previous Medical Reports (PMR) Related to diseases - If you have a Pre Existing Medical condition, there will be Tele-underwriting and you will need to submit Previous Medical records relating to the condition
  • Sum Insured Above ₹25 Lacs:- Tele underwriting Required - You will receive a call from a Doctor panel at Niva Bupa and you have to answer their questions on a recorded call.

Unique features of Niva Bupa ReAssure Family Health Insurance:

  • Covers ranging from ₹ 3 lakhs - ₹ 1 crore.
  • Pre & post hospitalisation coverage upto 60/180 days respectively.
  • No room rent capping.
  • Health check-ups : Annually
  • All day care treatments covered.
  • Emergency ambulance : Up to Rs.2000/hospitalisation

Benefits of Niva Bupa ReAssure Family Health Insurance:

  • Inpatient Care
  • Pre and Post-Hospitalization Expenses : Coverage for pre and post hospitalization expenses up to the sum insured, 60 days prior and 180 days post hospitalization.
  • Day Care Treatment : Coverage for all medical expenses incurred during Day Care Treatment requiring more than 2 hours of hospitalization, including angiography, dialysis, radiotherapy and more.
  • Alternative Treatments : Coverage for inpatient treatment under AYUSH that allows you to opt for Ayurveda, Unani, Siddha, and Homeopathy treatments.
  • Living Organ Donor Transplant: Coverage of all medical expenses for organ donor’s in-patient treatment for harvesting of the organ donated.
  • Health check-up : Annual (From Day 1); For defined list of tests; up to 500 for every 1 Lac sum insured (Individual policy: maximum 5,000 per Insured; Family Floater policy: maximum 10,000 per policy).
  • Emergency ambulance : Covered upto 2,000 per hospitalization.
  • Air ambulance : Cashless claim : Covered up to sum insured Reimbursement claim: Covered up to 2.5 Lacs.
  • Hospital cash : Up to 5 Lac base sum insured: 1,000/day
    7.5 Lacs to 15 Lacs base sum insured: 2,000/day
    Above 15 Lacs base sum insured: 4,000/day

Waiting period and Exclusions

  • Treatment during the first 30 days of the plan will not be covered, unless the treatment needed is a result of an accident. This waiting period does not apply for renewal policies.
  • Any pre-existing conditions will be covered after a waiting period of 3 years. Whereas, conditions specified in your policy under Personal Waiting Period will be covered after a waiting period of 2 years
  • 2 years exclusion for specified disease/procedures like cataract, pancreatitis, chronic kidney disease, hernia, internal congenital anomaly, spinal disorder, etc
  • Investigation & Evaluation, OPD treatment
  • Unproven Treatments, Unrecognized Physician or Hospital
  • Breach of law, Conflict & Disaster, Excluded Providers
  • Hazardous or Adventure sports

Niva Bupa Health Insurance FAQ's

What is a waiting period?

A waiting period is the length of time you, the insured, will have to wait before the benefits under the health policy can be utilised.

A ‘Free Look Period’ is a period of 15 days from the date of receipt of the policy that a policyholder, in this case you, have to review the entire health insurance plan. If you disagree with any of the terms or conditions mentioned in the policy, you have the option of returning the policy by stating the reasons for the objection. Following this, you are entitled to a refund of the premium paid, provided no claim has been made under this mediclaim insurance policy (subject only to a deduction of the expenses incurred by the company on medical examination and the stamp duty charges). Please note that this facility is not applicable on renewal and portability cases.

A grace period refers to a period of 30 days immediately following the premium due date of the medical insurance policy. During this period you can pay the premium of your expired policy and avail continuity benefits such as waiting periods and coverage of pre-existing disease.

Hospital cash is a daily benefit which provides the insured person with a lump sum amount in case of hospitalisation. You can use the money for meeting additional expenses or for compensating the loss of income during the period of hospitalisation.

Brochure

Review Health ReAssure Family Health health brochure to understand coverage details.


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Proposal form

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Policy wordings

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022
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