Niva Bupa Reassure 2.0 Titanium+
Overview
Niva Bupa ReAssure 2.0 Titanium+ plan offered by Niva Bupa Health Insurance is a premium health insurance plan that provides comprehensive coverage with almost no restrictions. It is loaded with innovative features like Lock the Clock, ReAssure+ and Booster+. These are the industry-first features offered by Niva Bupa.
You can customise your coverage with a wide range of optional benefits such as Safeguard, Safeguard+, Personal Accident and Hospital Cash. Adding disease management rider provides day 1 coverage for pre-existing health conditions like diabetes and hypertension.
The plan is fairly priced for the benefits it offers. But, rich and innovative features in the plan may pose challenges for the insurer to service effectively in the future. Niva Bupa already faces a lot of service and claim-related issues that reflect in its high volume of claim complaints. Will the insurer be able to resolve service issues and be a customer champion? Only time will tell.
Pros and Cons
- Lock the Clock – Your age gets locked until you make your first claim under the policy. Pay all your renewal premiums as per your age at entry until you make a claim.
- ReAssure+ – Unlimited restorations are available after you make your 1st claim.
- Booster+ Benefit – Carry forward unused sum insured up to 10X.
- No Room Restriction – Choose any room to suit your lifestyle.
- Health Check-up – Health check-up available once every year from day 1.
- Disease Management Rider – Get day 1 coverage on diabetes and hypertension with this add-on.
- Room Rent Modification – Option to choose a lower category room such as single private room or shared accommodation, reduces premium commitment.
- Benefits like Safeguard+ (covers non-medical items) come at extra cost.
- Sub-limit of Rs. 1 Lakh on modern treatments like robotic ones.
- High Complaint Volumes – Niva Bupa faces a high volume of claim-related complaints indicating operational challenges faced by the company.
Plan Benefits
No Room Restriction
Choose any room you like as per your lifestyle. Your insurer will cover your hospitalisation expenses up to sum insured.
Pre and Post-Hospitalisation Expenses Covered
Covers treatment related medical expenses 60 days before and 180 days after hospitalisation making the coverage more comprehensive.
Lock your age at entry
Your age gets locked till the time you make your first claim in the policy. Until then, no age related increase in the premium at each renewal. Buy your policy at 25 and pay renewal premium for a 25 year old at the age of 35 if you haven’t made a claim in the last 10 years.
Unlimited restorations, once triggered, always available.
After you make the first claim, you unlock unlimited restorations for life. This means that there is no requirement of first claim to re-trigger unlimited restorations after each renewal.
Carry forward the unutilised sum insured
Carry forward your unutilised base sum insured into the future. ReAssure 2.0 Bronze+ variant allows up to 3X carry forward. .
Coverage even if you are hospitalised at home
If you are hospitalised at home under the supervision of a medical practitioner who monitors your treatment regularly, the insurer covers the treatment cost like normal hospitalisation..
Covers alternative medicine
Want to take alternative treatment like Ayurveda or Homeopathy? Your insurer still covers all your hospitalisation expenses.
Ambulance charges covered
Road ambulance charges are fully covered up to sum insured. Air ambulance is covered up to Rs 2.5 lakh per hospitalisation, only in case of emergencies.
Organ donor expenses covered
Your insurer pays for the medical expenses related to organ harvesting, when you are the organ recipient. Also, your insurer also covers the cost of organ harvesting when you are the donor.
Annual health check-up available
Annual health check-ups are available for all insured lives once every policy year, which can include preventive as well as diagnostic tests.
Modify room category for lower premium
Choose a lower category room such as a single private room or shared accommodation at policy purchase to suit your needs. This reduces your premium commitment. ICU charges remain covered at actuals.
Opt for a deductible
If you find the plan expensive, choose a small deductible to lower the premium. But, choose your deductible carefully. In case of a claim, you have to pay upfront an amount equal to your deductible for policy benefits to get triggered.
Live healthy discounts
Walk daily and stay healthy to get up to a 30% discount on your renewal premium. Step tracking is through the insurer’s official health app.
e-Consultations
Unlimited online doctor consultations are available within network centres.
Policy Conditions
| Sum Insured Range | Rs. 5 Lakh – Rs. 1 Crore |
| Entry Age | 91 Days – 30 Years for dependent children; 18 Years onwards for adults |
| Policy Tenure Options | 1, 2 or 3 Years |
| Coverage Types | Individual, Multi-individual and Family Floater |
| Family Coverage | Up to 2 adults and 4 children under the family floater option, up to 4 adults and 5 children under multi-individual option |
| Premium Payment | Annual. EMI options are available. |
Exclusions
Waiting Periods
- Initial Waiting Period: 30 days (except accidents)
- Specific Illness Waiting Period: 24 months
- Waiting Period on Pre-Existing Diseases: 36 months
Medical Exclusions
- Cosmetic surgeries (unless due to accident, cancer, etc.)
- Infertility treatments
- Unproven therapies
- Obesity treatments (unless certain conditions met)
- OPD expenses
- Dental treatments
Non-Medical Exclusions
- Investigation and evaluation
- Self-injury or attempt to suicide
- Alcoholism, drug or substance abuse
- Expenses for treatment necessitated by committing breach of law with criminal intent
- Expenses for treatment taken by a medical practitioner outside his discipline.
- War, terrorism, nuclear events
About the Insurer
Niva Bupa Health Insurance (formerly Max Bupa) is a leading stand-alone health insurance company in India known for innovative plans. It was founded in 2008 as a joint venture between Max India and Bupa Singapore Holdings Pte Limited, a UK based healthcare services provider. In 2019, the entire 51% stake of Max India was acquired by Fettle Tone LLP, an affiliate of private equity firm True North and hence the name Niva Bupa.
Niva Bupa offers a wide range of feature-rich health insurance plans for young adults, families and senior citizens.
Performance Highlights (FY24)
Turnover – Rs. 5,608 Crore
Claim Settlement Ratio – 91.93%
Incurred Claim Ratio – 59%
Volume of Claim Complaints – 38.76 / 10,000 claims
Network Hospitals – 10,000+
Get In Touch
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Frequently Asked Questions
How does ‘Lock the Clock’ feature work in Niva Bupa Reassure 2.0 Titanium+?
Your age at policy purchase is locked for premium calculation until you make your first claim under the policy. Until then, all your renewal premiums are based on your entry age
How does ‘Reassure+’ work in Niva Bupa Reassure 2.0 Titanium+?
Once you make your first claim, the ReAssure+ benefit is triggered. It provides unlimited restorations of your base sum insured forever. There is no requirement of first claim to re-trigger unlimited restorations after each renewal.
What is Booster+ benefit in Niva Bupa Reassure 2.0 Titanium+?
Over the policy years, Booster+ feature allows you to accumulate all your unused sum insured to be carried forward up to 10X of your base sum insured.
What is the maximum sum insured I can accumulate under Niva Bupa Reassure 2.0 Titanium+?
You can accumulate up to 10X your base sum insured. For example, a Rs. 10 Lakh base sum insured can become Rs. 1.1 Crore over time with Booster+ benefit of Rs. 1 Crore and base sum insured of Rs. 10 Lakh.
What is Booster+ benefit in Niva Bupa Reassure 2.0 Titanium+?
Over the policy years, Booster+ feature allows you to accumulate all your unused sum insured to be carried forward up to 10X of your base sum insured.
Does Niva Bupa Reassure 2.0 Titanium+ plan have any room rent restrictions?
No, there are no room rent restrictions. You can choose any room in the hospital based on your preference. However, you can modify the room category at purchase to reduce the premium.
Can I modify my room type after buying the policy?
No, once you choose your room category (e.g., single private or shared room) at purchase, it cannot be changed later.
Are pre and post-hospitalisation expenses covered under Niva Bupa Reassure 2.0 Titanium+?
Yes, the plan covers medical expenses 60 days before and 180 days after hospitalisation.
Does the plan cover home (domiciliary) hospitalisation?
Yes, the plan covers expenses for treatment at home under a doctor’s supervision.
Is coverage available for alternative treatments like Ayurveda and Homeopathy?
Yes, AYUSH hospitalisation expenses are covered up to the sum insured if you take treatment in recognised AYUSH hospitals.
Are ambulance charges covered under Niva Bupa Reassure 2.0 Titanium+?
Yes, road ambulance charges are covered up to the sum insured and air ambulance charges up to Rs. 2.5 Lakh per hospitalisation.
Are organ donor expenses covered under Niva Bupa Reassure 2.0 Titanium+?
Yes, the plan covers expenses for organ harvesting whether you are an organ donor or a recipient.
What is the waiting period for pre-existing diseases under Niva Bupa Reassure 2.0 Titanium+?
The plan covers pre-existing diseases after a waiting period of 36 months. If you add the disease management rider, you get day 1 coverage for conditions like diabetes and hypertension.
What are the optional add-ons available
Optional riders include Safeguard, Safeguard+, Hospital Cash, Personal Accident, Disease Management Rider (for diabetes, hypertension from Day 1) .
Does Niva Bupa Reassure 2.0 Titanium+ cover non-medical items?
No, the base policy does not cover the cost of non-medical items. You can add Safeguard or Safeguard+ rider to get non-medical items covered.
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