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Best health insurance for 21 year old with no medical history ?

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27 Aug, 2022 by  Udbhav Tewari

Hello, Ive been thinking of buying a health insurance and have shortlisted Max Bupa Reassure as one plan. What do you think about this plan ? Is there any other plan which I should look at with a premium of 10-12k. ?

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27 Aug, 2022
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You can definitely consider Niva (Max) Bupa Reassure plan apart from Reassure you can also think HDFC Optima Restore plan


Below are the features of Niva Bupa Reassure


  • The restoration feature (that restores the coverage amount if it exhausts during the year due to a large claim) works irrespective of whether the previous claim that exhausted the coverage was for a related illness or not. This benefit in effect provides you double coverage for the same price, provided you do not have any claim more than your base sum insured.


  • No Claim Bonus: 50% every year - up to 100%, compared to 20% in Health Companion, up to 100%.


  • Safeguard Add-on Benefit: That covers consumables expenses, that are otherwise excluded from health insurance. Besides this, it provides an additional bonus cover every year based on the inflation calculated in the previous year.


  • Pre & Post Hospitalization covered up to 60/180 days in Reassure, compared to 30/60 days in Health Companion.


  • Coverage for Air Ambulance in ReAssure - this is not covered under Health Companion.


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27 Aug, 2022
Udbhav Tewari
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27 Aug, 2022
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Hi Udbhav,


You can think of Niva Bupa Reassure, because of unlimited restoration benefits and no claim bonus, the product is a good choice, premiums are comparatively low while comparing it with other similar products in the market


You can schedule a call with us too for free consultation

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