Niva Bupa Reassure

All You Need To Know

Variant	Platinum+	Titanium+
Base Sum Insured (INR)	5 Lacs, 10 Lacs, 15 Lacs, 20 Lacs, 25 Lacs, 50 Lacs, 100 Lacs
Benefits
Hospitalisation Expenses	Covered up to Sum Insured. Coverage for any Hospitalisation 2 hours or more is covered. 24 hours in case of AYUSH treatment in an AYUSH Hospital.
Pre-Hospitalisation	60 Days. Covered up to Sum Insured.
Post-Hospitalisation	180 Days. Covered up to Sum Insured.
Modern Treatments	Covered up to Sum Insured (sub-limit of INR 1 Lac per claim on few robotic surgeries).
Ambulance	• Road Ambulance: Covered up to Sum Insured • Air Ambulance: up to INR 2,50,000 per Hospitalisation
Home Care/Domiciliary	Covered up to Sum Insured.
Organ Donor	Covered up to Sum Insured.
Annual Health Checkup (Day 1)	For defined list of tests; up to INR 500 for every INR 1 Lac Base Sum Insured. (Individual: Maximum INR 5,000 per Insured; Family Floater: Maximum INR 10,000 per policy).
ReAssure+	• ReAssure “Forever”: First claim paid triggers ReAssure “Forever”. It is unlimited. Each Claim under ReAssure “Forever” will be up to base Sum Insured. • Lock the Clock: Pay premiums as per your entry age, till a claim is paid.
Booster+	5X: Unutilized Base Sum Insured carries forward to the next policy year, maximum up to 5 times.	10X: Unutilized Base Sum Insured carries forward to the next policy year, maximum up to 10 times.
Live Healthy	Up to 30% discount on premium at the time of Renewal.
Shared Accommodation	• Up to INR 15 Lac Base Sum Insured: INR 800 per day; Maximum INR 4,800 • Above INR 15 Lac Base Sum Insured: INR 1,000 per day; Maximum INR. 6,000
Second Medical Opinion	Once for any condition in a Policy Year
e-consultation	Unlimited e-consultation within our network.
Optional Benefits
Hospital Cash	• Up to INR 5 Lac Base Sum Insured: INR 1,000/day • Between INR 10 Lac to INR 15 Lac Base Sum Insured: INR 2,000/day • Above 15 Lac Base Sum Insured: INR 4,000/day
Personal Accident	Equal to 5 times of Base Sum Insured. Maximum up to INR 1 Crore.
Safeguard	• Claim Safeguard: Non-payable items will be covered (as per list I of Annexure I) • Booster+ Safeguard: No impact on Booster+ if claim in a policy year is less than INR 50,000 • Sum Insured Safeguard: CPI linked increase in Base Sum Insured
Safeguard+	• Claim Safeguard+: Non-payable items will be covered (as per list I, II, III, IV of Annexure I) • Booster+ Safeguard+: No impact on Booster+ if claim in a policy year is less than INR 1,00,000 • Sum Insured Safeguard+: CPI linked increase in Base Sum Insured
Add On
Smart Health+	Acute Care - Unlimited teleconsultations with Apollo 24*7 general, specialized and super-specialized doctors along with Pharma and Diagnostic coverage Disease Management - 1. Day 1 coverage for - Hypertension and Diabetes 2. Loading waiver for Hypertension and Diabetes 3. Discount at renewal basis quarterly tests

Benefits

Lock the Clock (1) - Save as you age. Pay as per entry age, until you claim.
ReAssure Forever (2) - Turns on after 1st claim. Unlimited times and forever.
Booster+ (3) - Don’t lose what you don’t use. Carry forward the balance sum insured.
Safeguard+ (4) - All non-payables covered (5)
Live Healthy (6) - Up to 30% discount on renewal premium basis step count.
Hospitalisation covered for 2 or more hours. (11)

Disclaimer
(1) Part of ReAssure+ Benefit. The premium of the age you entered at, will apply until a claim is paid. The product may be repriced as per IRDAI guidelines and policy terms and conditions. (2) Part of ReAssure+ (3) A single claim under the ReAssure+ bucket will always be paid up to the base sum insured. (3) Unutilised base sum insured will be carried forward up to a maximum of 10X. (4) Safeguard+ is an optional benefit and is available on payment of an extra premium. (5) As per the list I, II, III, IV under Annexure I of policy terms and conditions. (6) Eligible insured person for this benefit will be - a. All members except son/daughter under a Family Floater policy & b. Any member of age at least 18 years under an Individual policy. (11) Minimum 24 hours of hospitalisation required for AYUSH treatment in an AYUSH Hospital.

FAQs

1. Who is eligible to buy ReAssure 2.0?

Adults form the age of 18 to 65 years are eligible.
Children from the age of 91 days to 30 years are eligible.

2. How does ReAssure+ Lock the Clock benefit work? What premium will be applicable post the first claim made by the customer?

In ReAssure 2.0 the entry age gets locked (ReAssure+ Lock the Clock benefit).
But as soon an individual is paid a claim, this lock on the entry age breaks and turns back to normal premium cycle as the then current age of the individual. For the upcoming renewals and all the renewals thereafter would be done as per the “then” current age of the customer.
For floater policies, the lock breaks if any of the member covered have been paid a claim.
For Multi-individual, the lock breaks for only the respective person for which the claim have been paid. Rest all continue to enjoy the locked age premiums.

3. Post the first claim will the clock lock again or will the premium keep be rising as per the age?
In ReAssure+ Lock the Clock benefit, the Lock only breaks once in a lifetime. Once the claim for an individual have been paid for, the age lock breaks and the premiums would keep increasing as per the age/age bands.

4. When is the ReAssure Forever benefit activated in ReAssure 2.0?
The ReAssure+ benefit is triggered with the 1st claim paid in the lifetime of the insured. It will remain “ON” going forward for lifetime.

5. Is there any NCB (No claim bonus) in ReAssure 2.0?

There is no benefit with the name no claim bonus in the product. However, we have Booster+ benefit in the product which carries forward the unutilized base sum inured to the next policy year and keeps accumulating up to 10 times of base sum insured (basis the variant opted).
This means, in case of No claim paid in a given policy year, 100% of the base sum insured would be carried forward to the next year.

6. How much cover is provided under emergency ambulance?

Road Ambulance covered up to sum insured for both cashless and reimbursement.
Air Ambulance covered up to 2.5 Lakh for both cashless and reimbursement.

7. Is Annual Health check-up available for all insured members?
Yes. Annual Health check-up is available from day 1 and for all insured members in the policy up to the limits mentioned in policy. It is available only once in a policy year on a cashless basis.

8. What is the discount available under Live Healthy Benefit?
Live Healthy Benefit discount upto 30% is applicable on your renewal premium basis the step count during the previous policy year.
Health Score for 1-year Policy:

Health Score	Individual sum insured policy and Floater policies with 1 Adult	Floater policies with more than 1 Adult
Up to 1500	0%	0%
1501 –2250	5%	2.5%
2251 – 3000	15%	7.5%
3001 – 3750	20%	10%
>=3751	30%	15%

9. In Safeguard/Safeguard+ will we only cover the non-payable items as per specified lists or will we cover all non-payable items?
Under both safeguard and safeguard+ the non-payables would be paid as per the list mentioned under the Annexure 1 of the policy terms and conditions.

For Safeguard: Only list 1 is covered.
For Safeguard+: All the 4 lists, list 1,2,3,4 are covered.

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ReAssure

All You Need To Know

Coverage and Limits

Benefits

Eligibility

Discounts Offered

Exclusions

FAQs

Tools & Calculators

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