Niva Bupa Reassure Policy: Everything You Need to Know

Niva Bupa is one of the prominent players in the insurance industry and they offer different kinds of health insurance plans to its customers. One of the plans of Niva Bupa Health Insurance is ReAssure which is an Individual and family floater plan that provides coverage for both individuals and their family members. In this article, we will talk about this plan and will try to provide you with necessary and important information.

Key Features of Niva Bupa ReAssure Policy

There are certain key features that are available in the Niva Bupa Reassure Plan and they are: 

1. In-Patient Care (Hospitalisation)

In this feature, you will get coverage for hospitalisation done for 2 hours or more than that in which AYUSH treatment is also included.

2. Pre & Post Hospitalisation Medical Expenses

In this plan, you will get the features in which you will get coverage for pre and post-hospitalisation expenses. The time period for pre-hospitalisation is 60 days and for post-hospitalisation, it is 180 days.

3. Domiciliary Treatment

You will get coverage for the treatment taken at home. 

4. Emergency Ambulance

You will get coverage for the expenses incurred in reaching the hospitals by road or air ambulance.

5. Hospital Accommodation

You will get coverage for room rent up to the sum insured without any capping.

Unique Benefits of the ReAssure Policy

1. Alternative Treatment: Alternative treatment is the option that is available for the treatment of any disease.

2. Live Healthy Benefit: You can get a 30% discount on the premium at the time of renewal if you fulfil the step count by walking.

3. Tax Benefits: You will get a tax benefit on the premium you paid for the policy under section 80D.

4. Safeguard: In this feature, all non-payable items required in the hospital during treatment are covered.

Niva Bupa ReAssure Plan Eligibility Criteria

There are certain eligibility criteria which are to be fulfilled by you before purchasing the Niva Bupa ReAssure and the eligibility criteria are as follows:

Age

Minimum age requirement- 18 years

Maximum age requirement- 65 years

Inclusion of Niva Bupa ReAssure

Below mentioned is the inclusion of Niva Bupa ReAssure :

• In-patient hospitalisation
• Pre- and post-hospitalisation expenses
• Daycare procedures
• Ambulance expenses
• Organ donation expenses
• Domiciliary hospitalisation

Optional Covers

• Disease Management
• Acute Care

Exclusions of Niva Bupa ReAssure Plan

Below are the exclusions of Niva Bupa ReAssure:

• Pre-existing disease
• Cosmetic surgery
• Self-imposed disease
• Dental and vision care

FAQs

Ques 1. Does ReAssure cover maternity?

Ans. No, Niva Bupa Health Insurance plan ReAssure does not cover maternity and any other treatment related to it.

Ques 2. What is the hospital cash benefit?

Ans. Hospital cash benefit is the daily cash which is provided to the policyholder during the hospitalisation and it may vary according to the sum insured.

Ques 3. What is the sum insured range available in ReAssure?

Ans. The sum insured range available in the Niva Bupa ReAssure is from 3 Lakh to 1 Crore.

Ques 4. Are daycare procedures covered?

Ans. Yes daycare procedure is covered in the Niva Bupa ReAssure health insurance plan.

Ques 5. Is there any room rent capping?

Ans. No there is no room rent capping available in the plan you can opt for any type of room as per your choice.