Overview of ReAssure
Niva Bupa ReAssure is a cutting-edge health insurance policy offering sum insured options ranging from ₹3 lakhs to ₹1 crore. Its standout features include the "ReAssure Forever" benefit, which provides unlimited reinstatement of the sum insured post the first claim, and a no-claim bonus that increases your base sum insured by 50% every claim-free year. With no room rent restrictions, coverage for modern treatments like robotic surgeries, and pre- and post-hospitalization coverage (60 and 180 days), the plan prioritizes flexibility and financial security.
Experts' Review of ReAssure
Written by Nikhil Nair
Senior Writer
The Niva Bupa ReAssure plan is a game-changer in the health insurance segment, offering innovative benefits that cater to evolving healthcare needs. The "ReAssure Forever" feature ensures policyholders never run out of coverage, making it ideal for families with recurring medical expenses. The "Booster+" benefit incentivizes claim-free years by significantly increasing the sum insured over time, providing unmatched financial preparedness. Additionally, features like no room rent caps and coverage for advanced treatments enhance its appeal for those seeking comprehensive care.
However, the plan has certain limitations. While it offers extensive coverage, premiums can escalate significantly for higher sum insured options or with add-ons like air ambulance cover. The waiting period for pre-existing diseases remains at 36 months, which may deter individuals requiring immediate coverage. Additionally, while technologically advanced, reliance on app-based services for discounts and health points may not suit less tech-savvy users.
Pros
Feature set is satisfactory.
Premiums are relatively well priced.
Insurer has a solid track record with great claim and service metrics.
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.
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
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.
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.
Disease sub-limit
Your insurance cover won’t be fully available in case you are treated for a few robotic surgeries. Meaning the insurance company has a cap of 1L on the total amount they’ll pay out if you are treated for these specific illnesses.
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.
Pre/Post hospitalization
No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 60 days before you are hospitalized and 180 days after discharge. This includes the cost of medication by the way.
Add-ons of ReAssure
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 1 day, 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.
Exclusions in ReAssure
Conditions or treatments that the policy clearly says it will not cover.
RMO charges
Hormone Replacement Therapy
STD other than HIV
The condition which is not clinically significant or is related to anxiety, bereavement, relationship or academic problems, acculturation difficulties, or work pressure.
Expenses related to any admission primarily for diagnostics and evaluation purposes 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, 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
Maternity benefits not offered.
Reviews for ReAssure
H
Hriday Chokshi
I've had this policy for sometime now. AYUSH and home care treatment are both included, but customer support can take a while to respond during claims. Okay, but wouldn't rave about it.
I
Ishaan Iyer
I had been with ReAssure for a while. AYUSH and home care treatment are both included, but the room rent limits feel a bit dated compared to the newer plans. Fine for the price, nothing extraordinary.
S
Saanvi Rawat
Shifted from a plan that capped me at 1% of SI on room rent. ReAssure has zero room-rent restriction, so when my mother needed a single private room in Pune I didn't do mental arithmetic at admission. The 180-day post-hospitalisation window covered her entire physiotherapy course too.
K
Kabir Anand
My parents are covered under ReAssure. Pre and post hospitalisation expenses are both covered generously, and it's been a reliable base plan for a good few years now. Works well for my needs.
I
Ila Pandey
Took the ₹25L cover with Safeguard+ after reading that consumables under Lists I–IV get covered. The bit that actually mattered: any claim under ₹1 lakh in the year doesn't touch my no-claim bonus. Two small claims later, my bonus was still intact.
Frequently Asked Questions
Does ReAssure 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 have room rent restrictions?
Does ReAssure offer a restoration benefit?
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