Overview of ReAssure 2.0 Platinum+
Niva Bupa’s ReAssure 2.0 Platinum+ is a premium health insurance policy offering comprehensive coverage with sum insured options up to ₹1 crore. It features the "ReAssure Forever" benefit, alongside the "Booster+" benefit, which allows unused coverage to be transferred over to the next policy year (up to 5 times the base sum insured). The plan includes no room rent restrictions , coverage for daycare treatments without financial limits, and annual health check-ups. It also offers add-ons like Safeguard+ & Hospital Cash..
Experts' Review of ReAssure 2.0 Platinum+
Written by Nikhil Nair
Senior Writer
The Niva Bupa ReAssure 2.0 Platinum+ plan is a top-tier health insurance solution, offering robust financial protection with innovative features like unlimited restoration and coverage multiplication. Its "Lock the Clock" feature ensures premium stability at entry age until a claim is made, making it ideal for long-term savings. The absence of room rent restrictions and comprehensive daycare coverage enhances flexibility during medical emergencies.
Compared to the Bronze+ variant, Platinum+ offers more extensive benefits, including the "Lock the Clock" feature and higher coverage multiplication under the "Booster+" benefit. However, premiums for Platinum+ are significantly higher due to its advanced features and higher coverage limits. Overall, Platinum+ is suitable for those seeking premium benefits and comprehensive protection.
Pros
Offers a wide range of features.
Great pick if you're looking for something affordable.
Insurer has a solid track record with great claim and service metrics.
Offers Lock the Clock, which makes this policy stand out.
You can pick any room you like, a highly valued feature.
Unlimited Restoration Benefit, which adds significant value to the policy.
Cons
Maternity benefits not offered, which is a notable gap.
Doctor consultations are not covered, which could be a drawback for some. Need to opt add-on for doctor consultations.
Niva Bupa (erstwhile Max Bupa)
Key Insights
Founded
2008
Niva Bupa (erstwhile Max Bupa) was established 18 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
93% CSR, calculated as a 3-year average
Niva Bupa (erstwhile Max Bupa) settles 93% of all claims it receives demonstrating strong credibility.
Network Hospitals
10,000+
Niva Bupa (erstwhile Max Bupa) maintains a moderate network of 10,000 hospitals, offering reasonable coverage across key locations.
Complaints
37 complaints per 10,000 claims registered
Niva Bupa (erstwhile Max Bupa) experiences a moderate number of complaints, indicating room for improvement in addressing customer concerns.
The aforementioned ratios have been averaged over three years (FY24-FY26)
Features of ReAssure 2.0 Platinum+
Lock the Clock
Standout
Your premiums will only increase due to inflation and not due to age until you make a claim. However, once the claim is made, the premiums will be charged based on the exact age at renewals.
Co-payment
The insurer will bear the entire cost of treatment (up to the sum insured). You won't have to pay a single penny. Meaning this policy has no co-payment.
Customisable
Get 15% discount on premiums with 20% Co-payment for the insured members if treatment is taken in Non-Tiered Network Hospitals.
Customisable
Choose a co-payment between 20% and 50% to reduce premiums.
Room Rent
Shared room, single room, deluxe room or any room that's available. The insurer won't nitpick on your choice of room since the policy has no restrictions on room rent.
Customisable
Change Any Room to Single Private Room or Shared Room.
Disease sub-limit
No funny business here. If your insurer hasn't explicitly stated they won't cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you're dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.
Pre existing diseases waiting
If you're already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.
Customisable
For Hypertension & Diabetes: Pre existing disease waiting period is reduced from 3 years to 0 days.
Add-ons of ReAssure 2.0 Platinum+
Safeguard
Recommended
Increase your cover in line with inflation every year, your bonus amount will not be affected if the claim is less than Rs. 50,000 in the entire year and you also get extended coverage for generally excluded items like syringes, gloves, PPE kits etc as per List I.
Safeguard +
Recommended
Increase your cover in line with inflation every year, your bonus amount will not be affected if the claim is less than 1 Lakh in the entire year and you also get extended coverage for generally excluded items like syringes, gloves, PPE kits etc as per List I, II, III & IV.
Disease Management
Recommended
For Hypertension & Diabetes: Pre existing disease waiting period is reduced from 3 years to 0 days.
Acute Care
Get unlimited tele-consultations with Doctors (General Medical Practitioners, Specialists & Super Specialists) along with coverage for pharmacy and diagnostics up to a certain limit.
Hospital Cash
Hospital cash benefit paid out if hospitalization is at least 2 days, with a maximum payout of ₹2000 for up to 30 days.
Personal Accident Cover
Paid out as a lump sum of 500% of sum insured for Accidental Death, Total Permanent Disability, Permanent Partial Disability up to a limit of ₹10000000.
Aggregate Deductible
Choose deductible between ₹20,000 and ₹1,00,000 and get a discount on premiums.
Tiered Network
Get 15% discount on premiums with 20% Co-payment for the insured members if treatment is taken in Non-Tiered Network Hospitals.
Voluntary Co-Payment
Choose a co-payment between 20% and 50% to reduce premiums.
Room Rent Modifier
Change Any Room to Single Private Room or Shared Room.
Exclusions in ReAssure 2.0 Platinum+
Conditions or treatments that the policy clearly says it will not cover.
Expenses related to any admission primarily for diagnostics and evaluation purposes are excluded.
Diagnostic expenses not related or incidental to current diagnosis and treatment are excluded.
Expenses for admission primarily for bed rest and not for treatment are excluded.
Custodial care at home or in a facility for help with daily activities is excluded.
Services for terminally ill individuals addressing non-medical needs are excluded.
Disclaimer: For illustration purposes only - exact terms are in the policy wording.
Specific Illness
The following illnesses are not covered under the policy for 2 years.
Pancreatitis and stones in biliary and urinary system
Cataract, glaucoma and retinal detachment
Hyperplasia of prostate, hydrocele and spermatocele
Prolapse of uterus and cervix, endometriosis/adenomyosis, fibroids, PCOD, hysterectomy (unless necessitated by malignancy), abnormal utero-vaginal bleeding
Hemorrhoids, fissure, fistula or abscess of anal and rectal region
Waiting Period
30 days Initial waiting period
2 years Specific illness waiting period
3 years Pre-existing disease waiting periodCustomisable
Ditto's Take
◦ Excellent ◦
Waiting periods on this policy are excellent. This policy also further allows to reduce the PED waiting period to 0 days for certain diseases.
What's missing in ReAssure 2.0 Platinum+
Maternity benefits not offered.
Doctor consultations are not covered. Need to opt add-on for doctor consultations.
Reviews for ReAssure 2.0 Platinum+
Y
Yashodhara Kale
Lock the Clock is the reason I bought at 36 rather than waiting. My premium moves with inflation but not with my age until the first claim, and five years on the renewal notice has barely shifted.
R
Rizwan Sopariwala
Unlimited restoration plus no room-rent condition at all. My mother had two separate admissions in one policy year, one of them in a deluxe room, and the full sum insured was reinstated both times without a single query.
A
Anuja Karnik
Booster+ carries unused base cover into the next year I started at ₹10 lakh, claimed ₹2 lakh, and had ₹18 lakh the following year. It keeps stacking to 6x the base, which is plenty for a family our size.
S
Sudhir Tekale
No co-payment, no disease-wise sub-limits, 60 days pre and 180 days post hospitalisation. Structurally there is nothing hiding in this policy, which is more than I can say for the two I compared it against.
F
Fiona Rodrigues
Paid the three-year premium upfront for 7.5% off year two and 15% off year three, and my husband got the 5% medical practitioner discount on top. The stacked discounts made a genuinely premium plan affordable.
Frequently Asked Questions
Does ReAssure 2.0 Platinum+ have waiting periods?
- 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
- Specific Illness Waiting Period: There’s a 2-year waiting period for a list of diseases which is a mandate before you can start claiming.
- Pre-Existing Disease Waiting Period: There's a 3-year waiting period for any pre-existing disease you may have while buying the policy.
Does ReAssure 2.0 Platinum+ have room rent restrictions?
Does ReAssure 2.0 Platinum+ offer a restoration benefit?
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