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Find a plan that fits
your needs

Disease Management

Day 1 coverage for Hypertension & Diabetes (Variant under Smart Health+ Add On.)

Acute Care

Best Care with unlimited tele-consultations (Variant under Smart Health+ Add On.)

Live Healthy Benefit

Up to 30% discount on renewal premium basis steps taken

ReAssure Benefit 

Unlimited reinstatements up to base sum insured in an year

Booster Benefit 

50% increase in sum insured in case of a claim free year; max 100% (reduction of 50% in case of claim)

Cashless Facility

Get hassle-free cashless medical help at any of the network hospitals 

Alternative treatment

Get cover for even Ayurvedic, Unani, Siddha and Homeopathic treatments

Know what’s covered under ReAssure Plan

Simply search for your queries regarding the ReAssure health insurance plan or check out the features listed below

Hospitalisation

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IN-PATIENT CARE (HOSPITALISATION)

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Get medical coverage for hospitalisation for all insured members

HOSPITAL ACCOMMODATION

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Get coverage up to sum insured for room rent and ICU charges without any capping

PRE & POST HOSPITALISATION MEDICAL EXPENSES

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The policy will cover pre and post hospitalisation expenses as well. The period of the treatment covered is 60 days before you get admitted to the hospital and 180 days after you get discharged from the hospital. 

DOMICILIARY HOSPITALISATION

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The policy will reimburse you for the medical treatment taken at home on account of unavailability of a hospital bed or the doctor’s advice.

ORGAN TRANSPLANT

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Avail coverage for medical expenses incurred on the organ donor’s treatment as well

EMERGENCY AMBULANCE

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Get coverage for the ambulance expenses following an emergency to a hospital. These expenses are paid once the in-patient claims are approved

ALL DAY-CARE TREATMENT COVERED

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Your health insurance will cover a host of dental, ENT and other procedures

Standout Features

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ReAssure

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Unlimited reinstatements for same and different illness in a policy year 

LIVE HEALTHY BENEFIT

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Get up to 30% renewal premium discount on number of steps taken

BOOSTER BENEFIT

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50% increase in sum insured in case of a claim free year; max 100% (reduction of 50% in case of claim)

HEALTH CHECK-UP

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Avail health check-up for all insured members starting from Day 1

TAX BENEFIT

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Save taxes on the premiums paid under section 80D of the income tax act​

RENEWAL FOR LIFE

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Get assured renewal of the policy for life with no extra loadings based on your claim history​

Add-on Features​

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Optional Benefits:

 

DISEASE MANAGEMENT (Add on)

Get day 1 coverage for Diabetes and Hypertension. Along with up to 20% renewal discount.

ACUTE CARE (Add on)

Unlimited tele-consultations with Doctors (general, specialists & super specialists) of Apollo 24X7. Also, covers pharmacy and diagnostics up to limits.

SAFEGUARD

Get access to additional benefits like- annual increase in coverage based on inflation rate, coverage for non-payable items and no impact on booster benefit.

PERSONAL ACCIDENT COVER

Get personal accident cover depending on the base sum insured 

HOSPITAL CASH

The add-on pays hospital cash for up to 30 days of hospitalisation if hospitalised for more than 48 hours​

 

Exclusions

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Permanent Exclusions

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  • 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
  • Change-of-Gender treatments, Hormone Replacement Therapy, Cosmetic or plastic Surgery
  • Sleep disorders, treatment for alcoholism, drug or substance abuse or any addictive condition
  • Dental/oral treatment
  • Sterility and Infertility, Maternity Expenses
  • Circumcision, External Congenital Anomaly
  • Sexually transmitted Infections & diseases (other than HIV / AIDS)
  • Any treatment or medical services received outside the geographical limits of India
  • Intentional self-inflicted Injury or attempted suicide, Neuro-developmental delays and disorders, Mental retardation

Get the most value from ReAssure

Doctors Speak

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Live well with Niva Bupa

Check out what the doctors and the  experts have to say about your health and health insurance

Calculate Medical Expenses

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Financial Calculator Benefit

Painless renewals

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Assured plan renewal for life

Get up to 20% off on renewals for staying healthy

Get health check annually starting from Day 1

Assured policy renewal with no extra loading

Get 50% more coverage for every claim-free year; max up to 100%

Hassle-free one click renewal on app

Seamless renewal options.

Frequently Asked Questions

HOW CAN I BUY THIS POLICY?

IS THERE ANY TAX BENEFIT THAT ONE CAN AVAIL WHILE PURCHASING HEALTH INSURANCE?

IS A MEDICAL CHECKUP NECESSARY BEFORE BUYING A POLICY?

IS COVID-19 COVERED UNDER REASSURE FAMILY FLOATER PLAN ?

HOW CAN I BUY THIS POLICY? - +

There are various ways in which you can purchase this policy:

Online: On purchase of health insurance plan online your policy will be generated almost instantly along with your policy kit and card. This is applicable for cases which do not require further underwriting or medical checkup.

Telephone: If you wish to know more about Niva Bupa’s Health Insurance Plans, please speak to our specially trained sales team or your local advisor. Call us on Phone 1860 500 8888 (Toll Free) between 9 am and 6 pm IST (Monday to Saturday) or click on ‘Click to arrange a call’ to buy the policy over the phone or to fix up an appointment.

Branch: Please visit our branch in your city. The complete list of branch locations is available in the Contact Us section of the website

The Niva Bupa Promise

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The Niva Bupa Promise

30 Minute cashless claims processing

Spend less time on paperwork and more with your family

Health network beyond hospitals

A strong network of 10000+ hospitals

No third-party agents! Direct claim settlement

No TPA involvement in processing your claim

Your everyday health partner

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Your Everyday Health Partner

Niva Bupa Health App

Track your health, manage your policy & renewals

Download App now>>

LIVE HEALTHY BENEFIT 

Get up to 30% renewal premium discount on number of steps taken

Download App Now >>

Document locker

Store & access all your medical records with a few taps

Login to Health App>>

HEALTH CHECK-UP

Avail health check-up for all insured members starting from Day 1

Hassle-free claims

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Hassle-free Claims
Get admitted

Visit us at one of our hospitals

Use your health card

Identify yourself with your NivaBupa health card

Get validated

After validation your request will be sent directly to us

We Review

No third party involved!

Claim Settled

In as less as 30 minutes!

Get a quote

Tell us a little about yourself and we’ll get you the right quote.

Find the right plan now>

Compare plans

Not sure if it’s the right plan for your family? Compare it with other similar plans.

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