Niva Bupa Insurance Company

Reassure Health Insurance

A comprehensive health insurance plan available both on an individual and family floater basis, Reassure can provide all the coverage benefits that your family needs.

Features of Niva Bupa Reassure Health Insurance: 

• Unlimited sum insured reinstatement: The plan allows unmatched coverage by allowing unlimited sum insured reinstatement. If you suffer multiple claims in a year and your sum insured gets used up, the plan would refill the sum insured, as many times as you want.

• Healthy living benefits: The plan has a wellness program wherein you can accumulate reward points every time you go walking and take a specified number of steps. Your steps would be tracked and depending on the count you can accumulate your reward points. These points can then be used to claim a discount on the premium on renewal.

• Double your sum insured in just 2 years: The plan has the booster no claim benefit wherein the sum insured would increase by 50% if you don’t  claim in a policy year. So, if you don’t claim for two successive policy years, you can double the sum insured and that too is free of cost.

• Air ambulance cover: Coverage for air ambulance expenses is also allowed if you require such transportation for hospitalisation. In the case of cashless claims, coverage is allowed up to the sum insured. However, for reimbursement claims the coverage limit is Rs.2.5 lakhs.

• Range of optional benefits: There are different types of optional coverage benefits under the policy that can help you enhance the coverage as per your needs at affordable premiums.

Eligibility Conditions of Niva Bupa Reassure Health Insurance

Companion

This is also an indemnity-based health insurance policy that covers your actual medical costs. The policy has the following salient features: 

• Different coverage variants: The plan has four coverage variants with different coverage benefits, limits and sum insured levels. You can choose a variant that best matches your coverage needs and affordability.

• Refill benefit: The plan allows the sum insured refill benefit wherein if your sum insured is used on a previous claim in the same policy year, the sum insured would be refilled to the original amount to pay for any subsequent claims.

• Vaccination cover: In the case of animal bites, coverage for the cost of vaccines is allowed.

• Coverage for modern treatments: The plan covers modern and robotic surgeries and treatments up to the sum insured. However, in the case of some treatments, coverage is allowed up to Rs.1 lakh.

Eligibility conditions of Niva Bupa Health Companion Plan

Health Recharge

Health Recharge is a super top-up policy that has a sum insured and a deductible. If your aggregate claims exceed the chosen deductible, the policy pays the excess claim. Some of the highlights of the policy are as follows –

• The facility of online consultations: You can avail of multiple online and teleconsultations with expert medical practitioners. You just have to get in touch with a networked service provider and then consult with a doctor free of cost.

• Coverage for treatments due to mental disorders: If you are hospitalised due to mental disorders, the costs incurred on treating such disorders would be covered by the policy. Moreover, there is no coverage restriction as you can enjoy coverage up to the sum insured

• Loyalty benefit: Every year that you don’t claim your policy, you earn a loyalty benefit of a 5% increase in the sum insured without any additional premium. You can continue accumulating the increase for each claim-free year up to a maximum of 50%.

• Coverage for HIV/AIDS and artificial life maintenance: Coverage for HIV/AIDS as well as for maintaining artificial life is allowed under the plan while other plans might not include it. Moreover, you can avail of coverage up to the sum insured

Eligibility conditions of Health Recharge Plan