Niva Bupa Health Insurance – Niva Bupa Reassure

7.5
Expert ScoreRead review
  • Booster Benefit- Get discounts during renewals for every claim free year.
  • Shared accomodation cash benefit: Up to 15 Lacs base sum insured: 800 per day (maximum 4,800) Above 15 Lacs base sum insured: 1,000 per day; (maximum 6,000)
Niva Bupa Health Insurance Company Ltd. (formerly known was Max Bupa Health Insurance Company Limited) is a joint venture between Fettle Tone LLP (an affiliate of True North Fund VI LLP), a leading Indian private equity firm, and the UK based healthcare services expert, Bupa Singapore Holdings Pte. Limited.While Bupa has six decades of experience in the healthcare industry and a 29 million customer-base in over 190 countries; Fettle Tone LLP (an affiliate of True North Fund VI LLP) is a leading Indian private equity firm, with a focus on investing in and transforming mid-sized profitable businesses into world-class industry leaders.
  • Cover :₹ 25.0 Lakhs
  • Bonus / NCB :Sum insured increased by 50% from previous sum insured amount if no claim has been made. This benefit would be available till sum insured doubles in value. For example: 5 lakh SI will increase to 7.5 Lakh SI in 2nd year and 10 Lakh SI in 3rd Year. But SI will not increase beyond 10 Lakhs.
  • Copay :No copayment 
  • Claims Settled :99.99%

15,943.00

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Health insurance

Niva Bupa Health Insurance – Niva Bupa Reassure

7.5
Expert ScoreRead review


Premium Amount

15,943.00

  • Booster Benefit- Get discounts during renewals for every claim free year.
  • Shared accomodation cash benefit: Up to 15 Lacs base sum insured: 800 per day (maximum 4,800) Above 15 Lacs base sum insured: 1,000 per day; (maximum 6,000)
Niva Bupa Health Insurance Company Ltd. (formerly known was Max Bupa Health Insurance Company Limited) is a joint venture between Fettle Tone LLP (an affiliate of True North Fund VI LLP), a leading Indian private equity firm, and the UK based healthcare services expert, Bupa Singapore Holdings Pte. Limited.While Bupa has six decades of experience in the healthcare industry and a 29 million customer-base in over 190 countries; Fettle Tone LLP (an affiliate of True North Fund VI LLP) is a leading Indian private equity firm, with a focus on investing in and transforming mid-sized profitable businesses into world-class industry leaders.
  • Cover :₹ 25.0 Lakhs
  • Bonus / NCB :Sum insured increased by 50% from previous sum insured amount if no claim has been made. This benefit would be available till sum insured doubles in value. For example: 5 lakh SI will increase to 7.5 Lakh SI in 2nd year and 10 Lakh SI in 3rd Year. But SI will not increase beyond 10 Lakhs.
  • Copay :No copayment 
  • Claims Settled :99.99%
100% Cover restoration
100% of cover amount
Free Health Check-up
-
Daily cash allowance
Maximum Value: Rs. 6,000 for shared accomodation
Ambulance charges
Road ambulance : Covered upto 2,000 per hospitalization , Air ambulance : Cashless claim- Covered up to sum insured , Reimbursement claim- Covered up to 2.5 Lacs
Pre-hospitalisation
Expenses for 60 days covered
No claim bonus
For example: 5 lakh SI will increase to 7.5 Lakh SI in 2nd year and 10 Lakh SI in 3rd Year. But SI will not increase beyond 10 Lakhs., Sum insured increased by 50% from previous sum insured amount if no claim has been made. This benefit would be available till sum insured doubles in value.
Post hospitalisation
Expenses for 180 days covered
Ayush treatments
Ayush benefit up to Rs. 2500000
Maternity
NA
Outpatient Expense
NA
Organ donor expenses
Covered up to Rs. 2500000
New-born treatment
NA
Domiciliary Hospitalisation
Covered up to Rs. 2500000
Recovery allowance
NA
Sum Insured
25 Lakh
E- Consultation
NA

Pros

NA
For example: 5 lakh SI will increase to 7.5 Lakh SI in 2nd year and 10 Lakh SI in 3rd Year. But SI will not increase beyond 10 Lakhs., Sum insured increased by 50% from previous sum insured amount if no claim has been made. This benefit would be available till sum insured doubles in value.
Ayush benefit up to Rs. 2500000
Domiciliary Hospitalisation
Covered up to Rs. 2500000

cons

USP of This Plan

  • Booster Benefit- Get discounts during renewals for every claim free year.
  • Shared accomodation cash benefit: Up to 15 Lacs base sum insured: 800 per day (maximum 4,800) Above 15 Lacs base sum insured: 1,000 per day; (maximum 6,000)
Niva Bupa Health Insurance Company Ltd. (formerly known was Max Bupa Health Insurance Company Limited) is a joint venture between Fettle Tone LLP (an affiliate of True North Fund VI LLP), a leading Indian private equity firm, and the UK based healthcare services expert, Bupa Singapore Holdings Pte. Limited.While Bupa has six decades of experience in the healthcare industry and a 29 million customer-base in over 190 countries; Fettle Tone LLP (an affiliate of True North Fund VI LLP) is a leading Indian private equity firm, with a focus on investing in and transforming mid-sized profitable businesses into world-class industry leaders.
  • Cover :₹ 25.0 Lakhs
  • Bonus / NCB :Sum insured increased by 50% from previous sum insured amount if no claim has been made. This benefit would be available till sum insured doubles in value. For example: 5 lakh SI will increase to 7.5 Lakh SI in 2nd year and 10 Lakh SI in 3rd Year. But SI will not increase beyond 10 Lakhs.
  • Copay :No copayment 
  • Claims Settled :99.99%

Our Take

7.5Expert Score
  • Booster Benefit- Get discounts during renewals for every claim free year.
  • Shared accomodation cash benefit: Up to 15 Lacs base sum insured: 800 per day (maximum 4,800) Above 15 Lacs base sum insured: 1,000 per day; (maximum 6,000)
Niva Bupa Health Insurance Company Ltd. (formerly known was Max Bupa Health Insurance Company Limited) is a joint venture between Fettle Tone LLP (an affiliate of True North Fund VI LLP), a leading Indian private equity firm, and the UK based healthcare services expert, Bupa Singapore Holdings Pte. Limited.While Bupa has six decades of experience in the healthcare industry and a 29 million customer-base in over 190 countries; Fettle Tone LLP (an affiliate of True North Fund VI LLP) is a leading Indian private equity firm, with a focus on investing in and transforming mid-sized profitable businesses into world-class industry leaders.
  • Cover :₹ 25.0 Lakhs
  • Bonus / NCB :Sum insured increased by 50% from previous sum insured amount if no claim has been made. This benefit would be available till sum insured doubles in value. For example: 5 lakh SI will increase to 7.5 Lakh SI in 2nd year and 10 Lakh SI in 3rd Year. But SI will not increase beyond 10 Lakhs.
  • Copay :No copayment 
  • Claims Settled :99.99%
Best values score
7.5

Policy Exclusions :

Any claim other than accidental claims inside 30 day waiting period

Obesity & weight control
Any claim for PEDs made during the waiting period of 36 months for 1 & 2 year policies or 30 months for 3 year policy.
Change of gender treatments
Any claim for specific procedures or diseases during the waiting period of 24 months
Cosmetic or plastic surgery
Investigation & Evaluation
Hazardous or adventure sports
Rest care & rehab outside the limits covered
Breach of law
Alcholism, drug or substance abuse
Excluded providers
Treatment recieved in nature clinics, health hydros, spas, etc and dietary supplements and substances purchase without prescription
Refractive error
Unproven treatments
Sterility, Infertility expenses and Maternity expenses over and above those covered in the policy

Claims settlement

If you go to a non-network hospital, you will have to get the claim settled on reimbursement basis by providing the original bills and documents to the insurer
If you get admitted to a network hospital, you can get a cashless authorization from the insurer and then the insurer will settle the expenses directly with the hospital.
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7.5Expert Score
  • Booster Benefit- Get discounts during renewals for every claim free year.
  • Shared accomodation cash benefit: Up to 15 Lacs base sum insured: 800 per day (maximum 4,800) Above 15 Lacs base sum insured: 1,000 per day; (maximum 6,000)
Niva Bupa Health Insurance Company Ltd. (formerly known was Max Bupa Health Insurance Company Limited) is a joint venture between Fettle Tone LLP (an affiliate of True North Fund VI LLP), a leading Indian private equity firm, and the UK based healthcare services expert, Bupa Singapore Holdings Pte. Limited.While Bupa has six decades of experience in the healthcare industry and a 29 million customer-base in over 190 countries; Fettle Tone LLP (an affiliate of True North Fund VI LLP) is a leading Indian private equity firm, with a focus on investing in and transforming mid-sized profitable businesses into world-class industry leaders.
  • Cover :₹ 25.0 Lakhs
  • Bonus / NCB :Sum insured increased by 50% from previous sum insured amount if no claim has been made. This benefit would be available till sum insured doubles in value. For example: 5 lakh SI will increase to 7.5 Lakh SI in 2nd year and 10 Lakh SI in 3rd Year. But SI will not increase beyond 10 Lakhs.
  • Copay :No copayment 
  • Claims Settled :99.99%
Best values score
7.5

Specification: Niva Bupa Health Insurance – Niva Bupa Reassure

Co-pay

Claims settlment Ratio

Sum Insured

100% Cover restoration

No claim bonus

,

Free Health Checkup

,

Ambulance charges

Daily Cash Allowance

Pre-hospitalisation Expenses

Post hospitalisation expenses

Organ donor expenses

Maternity

New-born treatment

Domiciliary Hospitalisation

Outpatient

Ayush treatments

Day Care Procedures

Abundance of network hospitals

Pre-existing diseases (PED)Coverage

Recovery allowance

Room Rent Limit

Tele-Consultation

The waiting period

Treatment at Home

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Niva Bupa Health Insurance – Niva Bupa Reassure
Niva Bupa Health Insurance – Niva Bupa Reassure

15,943.00

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