By Niva Bupa Health Insurance (formerly Max Bupa Health Insurance)
Indicative premium for a family of 4 with ₹10 Lakh cover. Actual premium varies by age, city, and cover amount.
Why Niva Bupa Reassure 2.0 is built for the long term
Your premium is locked at the age you buy the policy. No age-related premium increases - a unique long-term savings benefit.
The highest NCB in India. Your sum insured grows 50% for every claim-free year, up to 150% of the original cover amount.
Sum insured restored unlimited times in a policy year, for the same or different illness. No single-restoration caps.
No TPA - Niva Bupa settles all claims in-house. Cashless approvals are processed directly with the insurer's team.
Coverage for life-threatening conditions requiring overseas hospitalisation, built into the plan as a standard feature.
Maternity hospitalisation and new-born cover from birth included after the standard waiting period.
Select any hospital room including premium private rooms without worrying about proportionate deductions on other charges.
No co-payment clause means Niva Bupa pays 100% of eligible claim amounts. You do not share any portion of the claim.
Full breakdown of inclusions and exclusions in Niva Bupa Reassure 2.0
| Coverage Feature | Details | Status |
|---|---|---|
| In-patient Hospitalisation | All hospitalisation above 24 hours | Fully Covered |
| Pre-hospitalisation | 60 days before admission | Covered |
| Post-hospitalisation | 180 days after discharge | Covered |
| Day-care Procedures | All IRDAI-listed procedures | Fully Covered |
| Room Rent | No cap - any category | No Sub-limit |
| ICU Charges | No sub-limit applicable | No Sub-limit |
| Lock the Clock Premium | Premium fixed at entry age | Unique Feature |
| No Claim Bonus | Up to 150% of base sum insured | 150% NCB |
| Reinstatement | Unlimited times per year, same illness | Unlimited |
| International Treatment | For life-threatening conditions abroad | Covered |
| Maternity Cover | After standard waiting period | Waiting Period |
| New-born Cover | From birth, linked to maternity cover | Waiting Period |
| Co-payment | No co-payment for any claim | Zero Co-pay |
| Claim Settlement | Direct, no TPA | In-house |
| Road Ambulance | Per hospitalisation | Covered |
| Domiciliary Hospitalisation | Doctor-recommended home treatment | Covered |
| Modern Treatments | Per IRDAI guidelines | Covered |
| AYUSH Treatments | At recognised AYUSH hospitals | Covered |
| Pre-existing Diseases | After 3-year waiting period | 3-yr Wait |
| Cosmetic Surgery | Unless due to accident or disease | Excluded |
Profiles best matched to Reassure 2.0
The Lock the Clock feature is most valuable when you buy young. A 28-year-old who buys Reassure 2.0 today will pay the same age-related premium for life - saving lakhs compared to other plans.
The built-in international treatment cover makes this ideal for those who travel abroad regularly for work or live between countries and want a plan valid for overseas emergencies.
With 150% NCB, a ₹10 Lakh policy grows to ₹25 Lakh over 3 claim-free years. Families who stay healthy see their effective cover grow dramatically without extra premiums.
The unlimited reinstatement means the sum insured refills as many times as needed in a year. This offers unmatched protection for families where multiple hospitalisation events are possible.
An honest assessment of Niva Bupa Reassure 2.0
Common queries about Niva Bupa Reassure 2.0
Our advisors specialise in comparing the long-term value of Lock the Clock and NCB benefits for your age and health profile - completely free.
Chat on WhatsApp: +91 99301 40305See how Niva Bupa Reassure 2.0 compares to other leading health insurance plans