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Niva Bupa ReAssure 2.0 (Titanium+) logo

Niva Bupa ReAssure 2.0 (Titanium+)

Introduction to Niva Bupa ReAssure 2.0 (Titanium+)

Niva Bupa ReAssure 2.0  (Titanium+) is a health insurance policy offered by Niva Bupa Health Insurance Company Limited. A health insurance policy acts as a protective shield for savings and healthcare, so you and your family can live a happy, fulfilling life. With Niva Bupa’s ReAssure 2.0  (Titanium+) Plan, you can have peace of mind knowing that you and your loved ones will have access to the required medical care without worrying about the financial burden of unexpected medical expenses. It offers several exciting 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.

beshak ratings
Verdict: Niva Bupa ReAssure 2.0 (Titanium+)

This plan offers a variety of unique features and benefits, making it an excellent choice if you want to purchase a plan that is tailored to your specific 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 ten 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 payments. Additionally, based on our research, the insurer has received a higher number of claim settlement and policy purchase complaints. This implies that the insurer has a poor track record with respect to both purchase and claims service.

Pros & Cons: Niva Bupa ReAssure 2.0 (Titanium+)

  • arrow Fairly priced in comparison to other products in the market
  • arrow No restrictions on the type of hospital room you choose
  • arrow Age is locked upon policy purchase, and premiums are fixed based on entry age until a claim is made
  • arrow Restoration benefit activates after the first claim, and stays triggered forever
  • arrow Unused base sum insured carries on to the next policy year, up to a maximum of 10X the base sum insured
  • arrow Diagnostic tests as well as preventive tests are covered under Health Check-Up
  • arrow Option to automatically increase the cover amount based on previous year's inflation.
  • arrow Covers non-medical expenses or the cost of consumables such as gloves, oxygen masks, nebulization kits, etc.
  • arrow Monthly premium payment mode not available
  • arrow Received higher number of complaints during policy purchase compared to other insurers
  • arrow Received higher number of complaints on claim settlement compared to other insurers
  • arrow Our study observed their responses on Twitter to be average in comparison to other insurers

Specific Exclusions: Niva Bupa ReAssure 2.0 (Titanium+)

01 Injury or illness due to nuclear, radiological emissions, war or war like situations
02 Expenses for screening, counseling or treatment related to external birth defects
03 Dental treatment except for treatment required due to cancer or accident
04 Use of ventilator for a patient in vegetative state (brain dead) without any chances of recovery

About Niva Bupa Health Insurance Company Limited

Niva Bupa Health Insurance Company Limited logo

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.

Founded in
JV Partners
Fettle Tone LLP and Bupa Singapore Holdings Pte. Limited
Turnover (GWP)
1025.99 Crores
Number of Policies
Number of Claims

Detailed Product Specs: Niva Bupa ReAssure 2.0 (Titanium+)

Claims Experience 4/5 star green
Customer Service 3.9/5 star green
Product Benefits (10L Sum Insured) 4.7/5 star green
Limits and Exclusions advisor
% of claims settled in less than 30 days
Reflects on the speed of settling valid claims
% of Complaints received on overall claims
% customers unhappy with claims experience
Claims Incurred Ratio
Claim Settlement Ratio (No. of claims)
What % of the claims received were paid?
No. of Cashless Hospitals

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  1. The health insurance data was last updated in June 2023. All data has been sourced from product brochures, policy wordings, prospectus, public disclosures (Q1, FY 2023-2024), IRDAI annual report (2021-22), insurer websites, and the IRDAI website. 
  2. For now, we have considered the most comprehensive plans from leading insurance companies. We will keep updating the product pages with new plans in the coming days.
  3. We have rated only those plans that can be serviced by individual advisors. This is because of our strong belief that health insurance customers need professional assistance from individual advisors before and after purchase. We do not recommend and hence do not rate direct-to-customer health insurance plans or plans where there aren't enough advisors available to service. 
  4. Affordability assessment of plans: 
    • The affordability of comprehensive plans is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1 opting for a cover of ₹10 Lakhs. And, the premiums are as of 31st June 2023.
    • The affordability of Care Freedom Plan is assessed using premiums for a 30-year-old male residing in Zone 1 opting for a cover of ₹5 Lakhs. And, the premiums are as of 31st June 2023.
  5. The product benefits section is based on a sum insured of ₹10 Lakhs and only highlights the top benefits and features of health insurance plans. 
  6. Only those hidden and special conditions that apply to the benefits and features we have considered are included in the product pages. 
  7. The product pages only include the most significant specific exclusions under each plan.
  8. The product pages do not include any generic terms, conditions, or exclusions (those that are the same and apply to all health insurance plans).
  9. If the policy wording, brochure, or prospectus state that a benefit/feature is available with a specific plan but it is not available online when generating the premium quote, we have not considered that benefit/feature to be available with the plan.
  10. The response time on Twitter (Beta) was calculated using a sample set of tweets from April, May, and June 2022 (analyzed in August, September, and October 2022). 
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