Overview
The Niva Bupa ReAssure 2.0 Bronze+ plan is a health insurance policy designed for individuals and families, offering sum insured options ranging from ₹5 lakhs to ₹1 crore. Its unique features include the "ReAssure Forever" benefit, which provides unlimited reinstatement of the sum insured, and the "Booster+" benefit that rolls over unused coverage to the following policy year, up to 3 times. With no room rent restrictions, pre- and post-hospitalization coverage (60 and 180 days), organ donor expenses (up to base SI), and modern treatment inclusions (covered up to sum Insured), it provides robust financial protection.
Experts Review
Written by Nikhil Nair
Senior Writer
Niva Bupa’s ReAssure 2.0 Bronze+ is an innovative health insurance plan that excels in offering financial security through its "ReAssure Forever" feature, which ensures unlimited reinstatement of the sum insured for multiple claims within the same policy year. Its "Booster+" benefit adds further value by transferring unused coverage to the next policy year (maximum up to three times the base sum insured). The absence of room rent restrictions enhances flexibility during hospitalization, while coverage for modern treatments like robotic surgeries reflects its adaptability to evolving medical technologies.
That said, the plan has certain drawbacks. The insurer’s high complaint rate (43 per 10,000 claims) raises concerns about customer satisfaction during claims processing. At the same time, the plan premiums may escalate significantly for higher sum insured options.
Pros
Offers a wide range of features.
Great pick if you're looking for something affordable.
Insurer has a solid track record with great claim and service metrics.
Cons
Doctor consultations are not covered, which is a notable gap. Need to opt add-on for doctor consultations.
Niva Bupa (erstwhile Max Bupa)
Key Insights
Founded
2008
Niva Bupa (erstwhile Max Bupa) was established 17 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
91% claims settled in 30 Days
Niva Bupa (erstwhile Max Bupa) settles 91% of all claims it receives demonstrating strong credibility.
Network Hospitals
10,000+
Niva Bupa (erstwhile Max Bupa) maintains a moderate network of 10,000 hospitals, offering reasonable coverage across key locations.
Complaints
43 complaints per 10,000 claims registered
Niva Bupa (erstwhile Max Bupa) has a relatively high volume of complaints, which may point to ongoing issues in customer service or claim handling.
Features
All
Great
Good
Co-payment
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
Customisable
Get 15% discount on premiums with 20% Co-payment for the insured members if treatment is taken in Non-Tiered Network Hospitals.
Customisable
Choose a co-payment between 20% and 50% to reduce premiums.
Room Rent
Shared room, single room, deluxe room or any room that’s available. The insurer won’t nitpick on your choice of room since the policy has no restrictions on room rent.
Customisable
Change Any Room to Single Private Room or Shared Room.
Disease sub-limit
No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.
Pre existing diseases waiting
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.
Customisable
For Hypertension & Diabetes: Pre existing disease waiting period is reduced from 3 years to 0 days.
Pre/Post hospitalization
No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 60 days before you are hospitalized and 180 days after discharge. This includes the cost of medication by the way.
Add-ons
Safeguard
Recommended
Increase your cover in line with inflation every year, your bonus amount will not be affected if the claim is less than Rs. 50,000 in the entire year and you also get extended coverage for generally excluded items like syringes, gloves, PPE kits etc as per List I.
Safeguard +
Recommended
Increase your cover in line with inflation every year, your bonus amount will not be affected if the claim is less than 1 Lakh in the entire year and you also get extended coverage for generally excluded items like syringes, gloves, PPE kits etc as per List I, II, III & IV.
Disease Management
Recommended
For Hypertension & Diabetes: Pre existing disease waiting period is reduced from 3 years to 0 days.
Acute Care
Get unlimited tele-consultations with Doctors (General Medical Practitioners, Specialists & Super Specialists) along with coverage for pharmacy and diagnostics up to a certain limit.
Hospital Cash
Hospital cash benefit paid out if hospitalization is at least 2 days, with a maximum payout of ₹2000 for up to 30 days.
Aggregate Deductible
Choose deductible between ₹20,000 and ₹1,00,000 and get a discount on premiums.
Personal Accident Cover
Paid out as a lump sum of 500% of sum insured for Accidental Death, Total Permanent Disability, Permanent Partial Disability up to a limit of ₹10000000.
Tiered Network
Get 15% discount on premiums with 20% Co-payment for the insured members if treatment is taken in Non-Tiered Network Hospitals.
Voluntary Co-Payment
Choose a co-payment between 20% and 50% to reduce premiums.
Room Rent Modifier
Change Any Room to Single Private Room or Shared Room.
Permanent Exclusions
Conditions or treatments that the policy clearly says it will not cover.
Expenses related to any admission primarily for diagnostics and evaluation purposes are excluded.
Diagnostic expenses not related or incidental to current diagnosis and treatment are excluded.
Expenses for admission primarily for bed rest and not for treatment are excluded.
Custodial care at home or in a facility for help with daily activities is excluded.
Services for terminally ill individuals addressing non-medical needs are excluded.
Disclaimer: For illustration purposes only - exact terms are in the policy wording.
Specific Illness
The following illnesses are not covered under the policy for 2 years.
Pancreatitis and stones in biliary and urinary system
Cataract, glaucoma and retinal detachment
Hyperplasia of prostate, hydrocele and spermatocele
Prolapse of uterus and cervix, endometriosis/adenomyosis, fibroids, PCOD, hysterectomy (unless necessitated by malignancy), abnormal utero-vaginal bleeding
Hemorrhoids, fissure, fistula or abscess of anal and rectal region
Waiting Period
30 days Initial waiting period
2 years Specific illness waiting period
3 years Pre-existing disease waiting periodCustomisable
Ditto's Take
◦ Excellent ◦
Waiting periods on this policy are excellent. This policy also further allows to reduce the PED waiting period to 0 days for certain diseases.
What's missing in the policy
Doctor consultations are not covered. Need to opt add-on for doctor consultations.
Customer Reviews
A
Amit Sharma
The ReAssure Forever feature is brilliant—it makes me feel fully protected for repeated claims in a year.
P
Priya Menon
Booster+ is a great addition. Rolling over unused cover adds real value to long-term protection.
K
Karan Verma
I liked that there’s no room rent restriction. It makes hospital choices easier.
S
Sneha Iyer
Coverage for robotic surgeries and modern treatments is a big plus.
R
Rohit Khanna
Premium feels affordable for the features included, good for middle-class families.
D
Divya Nair
The flexibility and simplicity of this plan really stand out.
V
Vivek Malhotra
Having unlimited reinstatement makes me confident I won’t run out of cover.
R
Ramesh Yadav
The complaint rate seems a bit high, which makes me slightly worried about claims service.
S
Sunil Arora
Premiums can rise quickly for higher sum insured options, which may not suit everyone.
P
Pallavi Kulkarni
I wish there were more OPD or consultation benefits—it feels incomplete for day-to-day needs.
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Frequently Asked Questions
Does ReAssure 2.0 Bronze+ have waiting periods?
- 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
- Specific Illness Waiting Period: There’s a 2-year waiting period for a list of diseases which is a mandate before you can start claiming.
- Pre-Existing Disease Waiting Period: There's a 3-year waiting period for any pre-existing disease you may have while buying the policy.
Does ReAssure 2.0 Bronze+ have room rent restrictions?
Does ReAssure 2.0 Bronze+ offer a restoration benefit?
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