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Max Bupa
Niva Bupa (erstwhile Max Bupa)

ReAssure 2.0 Titanium+

3.98

Rated by Ditto Insurance

Sum Insured

₹5 L ₹1 Cr

Premiums

Moderate

Entry Age

Adult: 18 Years Onwards

Child: 91 Days - 30 Years

Exit Age

Adult: No Limit

Child: No Limit

Overview

The Niva Bupa ReAssure 2.0 Titanium+ plan is a premium health insurance offering designed for individuals and families, with sum insured options up to ₹1 crore. Its standout features include the "ReAssure Forever" benefit and the "Booster+" benefit. Additional highlights include no room rent restrictions, coverage for modern treatments like robotic surgeries up to SI, and pre- and post-hospitalization expenses (60 and 180 days). The plan also offers annual health check-ups from day one.

Experts Review

Nikhil Nair

Written by Nikhil Nair

Senior Writer

Ishita Jain

Reviewed by Ishita Jain

Editor

IRDAI-Certified Expert
IRDAI Certified

The Niva Bupa ReAssure 2.0 Titanium+ plan is a flagship health insurance product that excels in offering financial security through innovative features. The "ReAssure Forever" benefit ensures unlimited reinstatement of the sum insured for multiple claims in a policy year, making it ideal for families with recurring medical expenses. The "Booster+" feature stands out by enabling unused coverage to be rolled over to the next policy year (up to 10 times the base sum insured). Additionally, the absence of room rent restrictions adds flexibility during hospitalization.

Compared to the Bronze+ and Platinum+ variants, Titanium+ offers significantly higher coverage multiplication (up to 10x vs. 3x and 5x in Bronze+ and Platinum+, respectively). It also includes features like second medical opinion & unlimited e-consultations within their network. While Platinum+ also offers robust coverage, Titanium+ distinguishes itself with its aggressive focus on maximizing financial protection through exponential coverage growth.

However, the plan has some limitations. Premiums are higher due to its advanced features, which may not suit budget-conscious buyers. Additionally, reliance on app-based services for certain benefits may not appeal to less tech-savvy users.

Pros

Offers a wide range of features.

Premiums are relatively well priced.

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.

Max Bupa

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.

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

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

U

Urmila Matondkar

Unlimited restoration of sum insured from the very first claim is fantastic!

V

Vivek Oberoi

Lock the Clock feature to pay premium as per entry age until first claim is brilliant!

W

Waheeda Rehman

Booster+ benefit to double SI in 2 claim-free years is super fast.

D

Dia Mirza

Need to ensure all these advanced features work smoothly during actual claim.

B

Bipasha Basu

Being a Titanium+ plan, the premium will likely be very high.

Z

Zeenat Aman

Good for families looking for long-term security and inflation protection.

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Frequently Asked Questions

Does ReAssure 2.0 Titanium+ have waiting periods?

Yes. ReAssure 2.0 Titanium+ imposes 3 kinds of 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 Titanium+ have room rent restrictions?

No. ReAssure 2.0 Titanium+ lets you stay in any room available in the hospital - Single Private Room, Share Room, Deluxe Room, etc.

    Does ReAssure 2.0 Titanium+ offer a restoration benefit?

    Yes, ReAssure 2.0 Titanium+ does offer a restoration benefit. Your sum insured gets reinstated back to 100% any number of times you make a claim, in a policy year.