Quick Overview
Imagine two people buying a Niva Bupa ReAssure 2.0 plan on the same day, for the same sum insured. Surprisingly, the premiums differ, which makes you wonder why. That’s where the Niva Bupa ReAssure 2.0 premium chart comes into play. It shows how premiums vary by plan variant, age, coverage, and location.
This article explains how to read the chart, download the PDF, and estimate your premium online.
What the Niva Bupa ReAssure 2.0 Premium Chart Shows?
The Niva Bupa ReAssure 2.0 premium chart is published in the plan’s prospectus and is available on the insurer’s website. It reflects the policy's starting price before discounts, loadings, or add-ons are applied.
Age-Wise Premiums
The older you are, the higher the premium. The chart groups people into age bands such as 18–25, 26–30, 31–35, and so on. Moving from one band to the next brings a noticeable jump, and the increase sharpens once you cross 45 or 50.
Here are sample Gold variant premiums (Zone 1, individual plan, excluding GST):
Zone-Wise Premiums
Since healthcare costs vary across India, Niva Bupa ReAssure 2.0 divides the country into two zones. Zone 1 attracts a higher premium than Zone 2.
Sum Insured-Wise Premiums
ReAssure 2.0 offers sum insured options from ₹5 lakh to ₹1 crore. Higher coverage means a higher premium, but the increase is not proportional. So, doubling the sum insured does not double the premium.
Individual vs Family Floater-Wise Premiums
ReAssure 2.0 is available on both an individual and a family floater basis. In an individual plan, each individual has their own separate sum insured and premium. In a family floater, everyone shares a single coverage pool, and the premium is calculated based on the oldest member's age.
How to Calculate Niva Bupa ReAssure 2.0 Premium?
- Visit www.nivabupa.com and click on ReAssure 2.0.
- Click on ‘Get Quote.’
- Enter your mobile number, name, and date of birth.
- Select the sum insured you need and choose the Niva Bupa ReAssure 2.0 plan variant of your choice.
- The system will display the annual premium, including applicable discounts.
Niva Bupa ReAssure 2.0 Premium Chart PDF Download
The easiest way to access the full Niva Bupa ReAssure 2.0 premium chart is directly from the insurer’s official website.
- Scroll to the ‘Downloads Center,’ and you will be redirected to another page.
- Scroll to the bottom to find the ‘Premium Chart’ section and click on the ReAssure 2.0 tab to download the PDF.
Factors That Affect Niva Bupa ReAssure 2.0 Premium
Multiple factors, such as your age, medical history, policy type, and discounts, affect your health insurance premiums. For more details, refer to the infographic below:
Other Popular Niva Bupa Plans With Their Premium Chart
Note: Here, A denotes adults, C stands for children, SI stands for the sum insured. These are indicative base premiums for a Delhi resident (pin code: 110001) seeking a sum insured of ₹15 lakh. Your premium can also change based on age, city, plan variant, underwriting, medical history, discounts, and chosen add-ons.
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Conclusion
The Niva Bupa ReAssure 2.0 premium chart is useful for checking base rates across age, zone, sum insured, and plan type. But your final premium can still change based on underwriting, add-ons, and discounts. For the most accurate quote, use the insurer’s website after reviewing the chart.
If you are also comparing plans across insurers, check out our guide on the best health insurance plans in India.
Frequently Asked Questions
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