Overview
Niva Bupa’s ReAssure 2.0 Platinum+ is a premium health insurance policy offering comprehensive coverage with sum insured options up to ₹1 crore. It features the "ReAssure Forever" benefit, alongside the "Booster+" benefit, which allows unused coverage to be transferred over to the next policy year (up to 5 times the base sum insured). The plan includes no room rent restrictions, coverage for daycare treatments without financial limits, and annual health check-ups. It also offers add-ons like Safeguard+ & Hospital Cash..
Experts Review
Written by Nikhil Nair
Senior Writer
The Niva Bupa ReAssure 2.0 Platinum+ plan is a top-tier health insurance solution, offering robust financial protection with innovative features like unlimited restoration and coverage multiplication. Its "Lock the Clock" feature ensures premium stability at entry age until a claim is made, making it ideal for long-term savings. The absence of room rent restrictions and comprehensive daycare coverage enhances flexibility during medical emergencies.
Compared to the Bronze+ variant, Platinum+ offers more extensive benefits, including the "Lock the Clock" feature and higher coverage multiplication under the "Booster+" benefit. However, premiums for Platinum+ are significantly higher due to its advanced features and higher coverage limits. Overall, Platinum+ is suitable for those seeking premium benefits and comprehensive protection.
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.
Offers Lock the Clock, which makes this policy stand out.
Cons
Maternity benefits not offered, which is a notable gap.
Doctor consultations are not covered, which could be a drawback for some. 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
Lock the Clock
STANDOUT
Your premiums will not increase until you make a claim. However, once the claim is made, the premiums will increase based on age, inflation etc.
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.
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.
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.
Aggregate Deductible
Choose deductible between ₹20,000 and ₹1,00,000 and get a discount on premiums.
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
Maternity benefits not offered.
Doctor consultations are not covered. Need to opt add-on for doctor consultations.
Customer Reviews
A
Aarti Mishra
Booster+ multiplying coverage has been very useful for long-term planning.
R
Rakesh Menon
Unlimited restoration is the highlight for me. Feels like complete peace of mind during emergencies.
M
Meera Joshi
The coverage flexibility and unlimited restoration make this plan worth the premium.
D
Deepak Yadav
The absence of room rent limits makes hospitalization stress-free. No hidden surprises.
K
Kunal Sethi
Happy with daycare coverage—it covers modern treatments that most policies ignore.
D
Divya Rani
Claim process was smooth and quick, no hassles at all.
H
Harish Sharma
Good for families who want higher coverage. ₹1 crore cover gives confidence for any medical emergency.
R
Rohit Joshi
Customer support has been helpful whenever I needed clarifications.
N
Nitin Bansal
The plan is expensive compared to others, but the features justify it.
S
Sneha Kapoor
Lock the Clock is excellent. Knowing my premium won’t rise every year unless I claim is a big saver.
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Frequently Asked Questions
Does ReAssure 2.0 Platinum+ 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 Platinum+ have room rent restrictions?
Does ReAssure 2.0 Platinum+ offer a restoration benefit?
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