Niva Bupa ReAssure 2.0 (Platinum+)
Introduction to Niva Bupa ReAssure 2.0 (Platinum+)
Niva Bupa ReAssure 2.0 (Platinum+) is a health insurance policy offered by Niva Bupa Health Insurance Company Limited. A health insurance plan protects you from unexpected medical expenses, which can be a significant financial burden. You can ensure that you and your family receive the required medical care without having to worry about the costs associated with it. Niva Bupa’s ReAssure 2.0 (Platinum+) Plan is a robust, comprehensive health insurance plan that comes with several unique benefits and features, including the lock the clock feature - where the age at which you buy the policy gets locked, and you pay the premium as per your entry age, until you make your first claim.
This plan stands out with its unique features and benefits, offering a customized solution for your healthcare needs. One notable feature of the plan is that your age gets locked when you buy it and you pay the premium as per entry age, until your first claim. Additionally, any unused base sum insured can be carried forward to the next policy year, up to a maximum of 5 times the base sum insured. The coverage extends beyond hospitalization expenses and includes non-medical items like gloves, oxygen masks, etc. On the flip side, however, the plan does not offer the option for monthly premium payment. Additionally, as per our research, the insurer has received a higher number of claim settlement and policy purchase complaints. This indicates that the insurer has a poor track record with respect to both purchase and claims service.
Pros & Cons: Niva Bupa ReAssure 2.0 (Platinum+)
Fairly priced in comparison to other products in the market- No restrictions on the type of hospital room you choose
- Age is locked upon policy purchase, and premiums are fixed based on entry age until a claim is made
- Restoration benefit activates after the first claim, and stays triggered forever
- Unused base sum insured carries on to the next policy year, up to a maximum of 5X the base sum insured
- Diagnostic tests as well as preventive tests are covered under Health Check-Up
- Option to automatically increase the cover amount based on previous year's inflation.
- Covers non-medical expenses or the cost of consumables such as gloves, oxygen masks, nebulization kits, etc.
Monthly premium payment mode not available- Received higher number of complaints during policy purchase compared to other insurers
- Received higher number of complaints on claim settlement compared to other insurers
- Our study observed their responses on Twitter to be average in comparison to other insurers
Specific Exclusions: Niva Bupa ReAssure 2.0 (Platinum+)
About Niva Bupa Health Insurance Company Limited
Niva Bupa Health Insurance Company Limited (formerly known as Max Bupa Health Insurance Company Limited) is a joint venture between Fettle Tone LLP and Bupa Singapore Holdings Pte. Limited. This standalone health insurance company provides a wide range of health insurance products that cater to the needs of its customers, such as individual health plans, family floaters, top-up policies, etc. It was founded in 2008 and is headquartered in New Delhi, India. Mr. Ashish Mehrotra is the company's CEO and MD.
Detailed Product Specs: Niva Bupa ReAssure 2.0 (Platinum+)
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