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What Is Special About Reassure 2.0 Policy?

Flagship health plan from Niva Bupa. Provides benefit of carrying forward the balance sum insured up to 10 times of base cover
  • Booster+: For each unclaimed year, the unutilised sum insured value carries forward till the time your overall sum insured becomes 5 times of the base sum insured value.
  • Reassure+: Unlimited cover restoration for each time you make a claim.
  • Lock the clock: Pay as per your entry age till the time you make your first claim. For example: If you are 31 and buying the policy, your premium will never change per year till you make your first claim. After your first claim, the premium will get adjusted according to age every year.

Features of Niva Bupa Reassure 2.0 Health Insurance Policy

Check the features and coverage of Niva Bupa Reassure 2.0 Health Insurance plan below:

Ambulance Charges

Road ambulance : Covered upto SI Air ambulance: Up to INR 2,50,000 per hospitalization

Ayush Treatment

Ayush benefit up to Rs. 500000


No co-pay

Cover Restoration

Unlimited cover restoration also known as Reassure+ benefit. Reassure+ benefit triggers after 1st claim is made and covers gets restored each time you make a claim

Daily Cash Allowance

Up to INR 5 Lac: INR 1,000/day Between INR 10 Lac to INR 15 Lac: INR 2,000/day Above 15 Lac : INR 4,000/day

Day Care Procedures

All procedures covered. No static list

Niva Bupa Reassure 2.0 Plan Resources

Policy Brochure

Exclusions of Niva Bupa Reassure 2.0 Health Insurance Policy

Niva Bupa Reassure 2.0 plan does not cover the following:

Maternity expenses

New born treatment

Opd expenses

Recovery allowance

Cosmetic or plastic surgery

Treatment for, alcoholism, drug or substance abuse or any addictive condition.

Other Plans From Niva Bupa

Niva Bupa health insurance offers 3 health insurance plans. The premium of these plans starts from Rs. 3762/yr. The sum insured ranges from Rs. 2 Lakh - 1 Cr. Details of the comprehensive coverage provided by the following 3 Niva Bupa health insurance plans are listed below:

Calculate Reassure 2.0 Plan Premium

Use the Niva Bupa health insurance premium calculator to estimate your health insurance premiums.

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Niva Bupa Claim Settlement Ratio


Niva Bupa


Industry Average

Health claim settlement ratio is the percentage of claims settled against the total claims received by the insurance company in a given fiscal year. Niva Bupa has a claim settlement ratio of 91.6%, as compared to the industry average of 94.21%.

Niva Bupa Claim Process

Niva Bupa supports both cashless claims and reimbursement claims. This section covers the information on how to check Niva Bupa health insurance claim status, fill Niva Bupa health insurance claim form, and the claim settlement process.

Cashless claims are a hassle-free way to settle your claims. You can take advantage of a cashless claim only when you seek treatment at a Niva Bupa network hospital.Take a look at the steps you need to follow to ensure a smooth claim.

Step 1: Choose a cashless hospital:
Choose a Niva Bupa cashless hospital for your treatment. You can always choose the hospital at your convenience from the Niva Bupa Hospital list on the company’s website

Step 2: Admission procedure:
On admission, you will have to produce your Health Card at the hospital help desk. In case you do not remember to carry the same or have the Health Card handy, you can always provide the Niva Bupa policy number along with your KYC documents.

Step 3: Pre-authorisation form:
You also need to fill the pre-authorisation form for claim approval which would be sent to the claims department of Niva Bupa from the hospital TPA desk.

Step 4: Cashless treatment:
Once the pre-authorisation is approved by Niva Bupa Health Insurance, your cashless treatment will begin with initial approval

Step 5: Discharge formalities:
At the time of discharge, the hospital would share the final bill along with the line of treatment, discharge summary, original bills and invoices, etc.,to Niva Bupa Health Insurance for final approval. In case additional information is needed, the insurer will share an email with the hospital.

Step 6: Claim settlement:
Once the claims department approves the claim, the bills would be directly settled by the insurer to the hospital. In case of any part of the claim that is not covered, would need to be paid by you such as consumables or deductibles.

If, for some reason, you were not able to seek treatment at a Niva Bupa network hospital, you can always file a reimbursement claim.

Step 1: Hospitalisation:
In case you get admitted to a non-network hospital, you need to inform the Niva Bupa Claims department as a claim “intimation” within a timeframe of 48 hours of the hospitalisation in case of emergency hospitalisation or before 3-5 days for planned treatment.

Step 2: Pay and get the treatment done:
In this case, you would have to pay for the entire treatment on your own.
However, remember to carry all original bills, receipts, prescriptions, discharge summaries specifying the line of treatment, test reports for diagnosis, etc.

Step 3: File a reimbursement claim:
After discharge, you need to file a reimbursement claim with all relevant documents along with your Niva Bupa Health Insurance card, the insured person’s identity and age proof and the policyholder’s bank account details.

Step 4: Verification:
Once Niva Bupa Health Insurance receives all your documents, the same will be verified.

Step 5: Claim settlement:
Thereafter, you will be reimbursed for the hospitalisation expenses, as per your Niva Bupa health plan. Typically, you would be reimbursed within 7 days of submission.

Niva Bupa Health Insurance Renewal Process

Online Renewal Process of Niva Bupa Health Insurance

After a 1 year validity of a health insurance policy, there is a need for renewal of the policy to avoid the lapse for the policyholder and to continue enjoying accumulated benefits.

Below are the steps to renew Niva Bupa Health insurance policy online:

Step 1: Visit the official website of Niva Bupa Health Insurance or use their mobile app. Enter your 14-digit policy number to initiate the renewal process.

Step 2: Provide your date of birth or enter the DoB of any insured family member associated with the Niva Bupa Health policy.

Step 3: Verify your policy by entering the One Time Password to access and review your policy details.

Step 4: Submit the information provided to calculate your annual health insurance premium.

Step 5: Now click on the pay button and make the requisite payment through your debit/credit card/net banking.

Step 6: Upon successful payment, you will receive a policy transaction number along with a link to complete the application form. Please note that your policy will be issued only after you have filled out the complete application form.

Offline Renewal Process of Niva Bupa Health Insurance

Niva Bupa Health Insurance Renewal can also be done offline by visiting the nearest Niva Bupa branch office or reaching out to a Niva Bupa customer care executive to initiate your Niva Bupa Health policy renewal.

Renewal of your Niva Bupa health insurance policy can also be done through Turtlemint. Turtlemint allows you an easy online process to renew your existing plan. To renew, visit Turtlemint’s home page www.turtlemint.com or download the Turtlemint App here.

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