{"uin":"NBHHLIP26050V042526","name":"ReAssure","url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526","insurer":{"slug":"niva-bupa-health-insurance","name":"Niva Bupa Health Insurance Co Ltd.","url":"https://indiainsurances.com/insurer/niva-bupa-health-insurance"},"line":"health","category":"health-indemnity","category_name":"Health insurance (hospitalisation)","irdai_type":"Revision","kind":"product","status":"active","approved_on":"2020-06-26","withdrawn_on":null,"summary":"ReAssure is a Niva Bupa individual and family floater health indemnity policy with Base Sum Insured from Rs. 3 lacs to Rs. 100 lacs, cover in India only and 1, 2 or 3 year terms. After the first paid claim it reinstates the Base Sum Insured for all later claims in the year, adds Loyalty Additions of 50% of Base Sum Insured a year up to 100%, and has a 30-day initial, 24-month listed-condition and 36-month pre-existing disease waiting period.","analysis":{"state":"extracted","analysed_at":"2026-10-16 07:11:57.79223+00","note":"Every stated fact carries a verbatim quote found in the cited clause."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"No named plans. The policy is issued on an Individual or Family Floater basis with a choice of Base Sum Insured; the benefit table has one column set for 'Individual / Family Floater'.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"cross-checked","value":"One year by default; two-year and three-year policy terms are also available.","display":"1 year (2-year and 3-year terms available)","note":"Term discount of 7.5% (2-year) or 15% + 7.5% (3-year) is not available when premium is paid in instalments (prospectus).","quote":"The default policy term for all plans is one year. Two year and three year policy term options are also available under the product. ... If the Policy Period is 2 years or 3 years, then the Sum Insured shall be applied separately for each Policy Year in the Policy Period. ... o 2 year term: 7.5% on the premium for second policy year o 3 year term: 15% on the premium for third policy year + 7.5% on the premium for second policy year ... Term Discount is not applicable if premium is paid via Monthly, Half Yearly or Quarterly Instalments.","sources":[{"clause":null,"heading":"Policy Design","page":1,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/190#c-policy-design"},{"clause":"3.2.22","heading":"Sum Insured","page":7,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-3-2-22"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"cross-checked","value":"Cashless: contact the insurer at least 72 hours before planned treatment, or within 48 hours of an emergency admission or before discharge, whichever is earlier. Reimbursement: written notice within 48 hours of admission or before discharge, whichever is earlier.","display":"Planned cashless: 72 hours before; emergency or reimbursement: within 48 hours of admission or before discharge, whichever is earlier","note":"Delay is condoned on merits if proved to be for reasons beyond the claimant's control (Section 7.5).","quote":"We must be contacted to pre-authorize Cashless Facility for planned treatment at least 72 hours prior to the proposed treatment. ... If the Insured Person has been Hospitalized in an Emergency, We must be contacted to pre-authorize Cashless Facility within 48 hours of the Insured Person’s Hospitalization or before discharge from the Hospital, whichever is earlier. ... We shall be given written notice of the claim along with the following details within 48 hours of admission to the Hospital or before discharge from the Hospital, whichever is earlier","sources":[{"clause":"7.2(a)(i)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-7-2-a-i"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"cross-checked","value":["Claim form duly completed and signed","Past medical history record, first and subsequent consultation","Age / identity proof","Cancelled cheque / bank statement / copy of passbook","Original discharge summary","Bar code sticker and invoice for implants and prosthesis","Original final bill from Hospital with detailed break-up and paid receipt","Original bills of pharmacy/medicines and outside investigations with reports and prescriptions","MLC / Panchnama / FIR copy in accident cases, or self-narration of incident","Original laboratory, diagnostic, radiological & pathological reports with prescriptions","Post mortem report (if any) in case of death"],"display":"Claim form, medical history, ID proof, bank details, discharge summary, implant invoices, final bill, pharmacy bills, MLC/FIR for accidents, investigation reports, post mortem report if death","note":"For cashless claims the Network Provider sends the documents after discharge. Personal Accident claims (optional cover) also need a disability certificate from a Medical Board.","quote":"a) Claim form duly completed and signed by the claimant. ... b) Details of past medical history record, first and subsequent consultation. ... c) Age / Identity proof document of Insured Person ... d) Cancelled cheque/ bank statement / copy of passbook ... e) Original discharge summary. ... f) Bar code sticker and invoice for implants and prosthesis ... g) Original final bill from Hospital with detailed break-up and paid receipt. ... i) Original bills of pharmacy/medicines purchased, or of any other investigation done outside Hospital with reports and requisite prescriptions. ... i. MLC/ Panchnama / First Information Report (FIR) copy attested by the concerned Hospital / police station (if applicable); ... ii) Original self-narration of incident in absence of MLC / FIR. ... k. Original laboratory investigation, diagnostic, radiological & pathological reports with supporting prescriptions. ... written notice accompanied by a copy of the post mortem report (if any)","sources":[{"clause":"7.3","heading":"Claims Documentation","page":29,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-7-3"},{"clause":"7.3(g)(i)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-7-3-g-i"},{"clause":"7.3(g)(ii)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-7-3-g-ii"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"cross-checked","value":"The insurer settles or rejects a claim within 15 days from the claim submission date; delay attracts interest at 2% above the bank rate.","display":"15 days from claim submission","note":"Cashless final discharge authorisation within three hours of final documents; CIS gives 1 hour for cashless pre-authorisation.","quote":"i) The Company shall settle or reject a claim, as the case may be, within 15 days from the claim submission date. ... ii) In the case of delay in the payment of a claim, the Company shall be liable to pay interest from the date of receipt of claim intimation till the date of payment of claim at a rate of 2% above the bank rate. ... Once the final authorization request is received for discharge, the same will be processed within three hours from the final documents received. ... TAT for pre-authorization of cashless facility- 1 Hours","sources":[{"clause":"7.4","heading":"Claims Assessment & Repudiation","page":30,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-7-4"},{"clause":"7.2(a)(i)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-7-2-a-i"},{"clause":"Row 5(h)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/191#c-row-5-h"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"cross-checked","value":["Pre-existing diseases until 36 months of continuous coverage (Excl01)","Listed conditions and procedures until 24 months of continuous coverage (Excl02)","Any illness in the first 30 days, except accidents (Excl03)","Admission primarily for investigation and evaluation (Excl04)","Rest cure, rehabilitation and respite care (Excl05)","Cosmetic or plastic surgery (Excl08)","Hazardous or adventure sports as a professional (Excl09)","Alcoholism, drug or substance abuse (Excl12)","Sterility and infertility (Excl17)","Maternity expenses (Excl18)","War, nuclear, rebellion and terrorism","Dental treatment unless due to an accident while hospitalised","Treatment outside India","OPD treatment","Intentional self-inflicted injury or attempted suicide"],"display":"Waiting-period exclusions (36-month PED, 24-month listed conditions, first 30 days), standard IRDAI exclusions and the policy's own exclusions","note":"Full list in Section 6 (6.1 to 6.35); separate permanent exclusions apply to the optional Personal Accident Cover (6.36).","quote":"Pre-existing Diseases (Code–Excl01) ... Expenses related to the treatment of a Pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage ... Specified disease/procedure waiting period- Code- Excl02 ... shall be excluded until the expiry of 24 months of continuous coverage ... 30-day waiting period (Code- Excl03): ... Expenses related to the treatment of any Illness within 30 days from the first Policy commencement date shall be excluded except claims arising due to an Accident ... Investigation & Evaluation (Code-Excl04) ... Rest Cure, rehabilitation and respite care (Code-Excl05) ... Cosmetic or plastic Surgery (Code-Excl08) ... Hazardous or Adventure sports (Code-Excl09) ... participation as a professional in hazardous or adventure sports ... Treatment for, alcoholism, drug or substance abuse or any addictive condition and consequences thereof. (Code-Excl12) ... Sterility and Infertility (Code-Excl17) ... Maternity Expenses (Code-Excl18) ... Treatment for any Injury or Illness resulting directly or indirectly from nuclear, radiological emissions, war or war like situations (whether war is declared or not), rebellion (act of armed resistance to an established government or leader), acts of terrorism. ... Treatment, procedures and preventive, diagnostic, restorative, cosmetic services related to disease, disorder and conditions related to natural teeth and gingiva except if required by an Insured Person while Hospitalized due to an Accident. ... Any treatment or medical services received outside the geographical limits of India. ... Any expenses incurred on OPD treatment. ... Treatment related to intentional self inflicted Injury or attempted suicide by any means.","sources":[{"clause":"6.1","heading":"Pre-existing Diseases (Code–Excl01)","page":22,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-1"},{"clause":"6.2","heading":"Specified disease/procedure waiting period- Code- Excl02","page":22,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-2"},{"clause":"6.3","heading":"30-day waiting period","page":23,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-3"},{"clause":"6.4","heading":"Investigation & Evaluation (Code-Excl04)","page":23,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-4"},{"clause":"6.5","heading":"Rest Cure, rehabilitation and respite care (Code-Excl05)","page":23,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-5"},{"clause":"6.8","heading":"Cosmetic or plastic Surgery (Code-Excl08)","page":24,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-8"},{"clause":"6.9","heading":"Hazardous or Adventure sports (Code-Excl09)","page":24,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-9"},{"clause":"6.12","heading":"Treatment for, alcoholism, drug or substance abuse or any addictive condition and consequences thereof.","page":24,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-12"},{"clause":"6.17","heading":"Sterility and Infertility (Code-Excl17)","page":25,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-17"},{"clause":"6.18","heading":"Maternity Expenses (Code-Excl18)","page":25,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-18"},{"clause":"6.22","heading":"Conflict & Disaster","page":25,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-22"},{"clause":"6.24","heading":"Dental/oral treatment","page":25,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-24"},{"clause":"6.29","heading":null,"page":26,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-29"},{"clause":"6.30","heading":null,"page":26,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-30"},{"clause":"6.33","heading":null,"page":26,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-33"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"cross-checked","value":"Contact Niva Bupa first through its website, toll free 1860-500-8888, the online service platform, courier to the Customer Services Department in Noida, or the grievance cell at any branch; if not satisfied, escalate to GRO@nivabupa.com, then the Insurance Ombudsman or IRDAI's Bima Bharosa portal.","display":"Niva Bupa customer service (1860-500-8888, website, branches), then GRO@nivabupa.com, then Ombudsman","note":"Senior citizens may write to seniorcitizensupport@nivabupa.com. Ombudsman addresses are in Annexure III of the wording (the CIS points to 'Annexure II').","quote":"In case of any grievance the Insured Person may contact the company through: ... Toll free: | 1860-500-8888 ... Insured person may also approach the grievance cell at any of the company’s branches with the details of grievance. ... If the Insured person is not satisfied with the above, they can escalate to GRO@nivabupa.com. ... Grievance may also be lodged at IRDAI integrated Grievance Management System – www.bimabharosa.irdai.gov.in ... Website: | www.nivabupa.com ... Courier: | Customer Services Department, Niva Bupa Health Insurance Company Limited ... Senior citizens may write to us at: seniorcitizensupport@nivabupa.com) ... the addresses given in Annexure III) ... Ombudsman (Refer Annexure II of policy document for List of Insurance Ombudsmen)","sources":[{"clause":"8.8","heading":"Redressal of Grievance","page":33,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-8-8"},{"clause":"Row 5(h)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/191#c-row-5-h"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"cross-checked","value":"Base Sum Insured of Rs. 3, 4, 5, 7.5, 10, 12.5, 15, 20, 25, 50, 75 or 100 lacs.","display":"Rs. 3 lacs to Rs. 100 lacs (3, 4, 5, 7.5, 10, 12.5, 15, 20, 25, 50, 75, 100 lacs)","note":"Same options in the benefit table of the wording and prospectus (the wording's table row is garbled as '7.5 lacs 1 | 0 lacs'). Applies on Individual or Family Floater basis.","quote":"Sum Insured Options are: 3 Lacs, 4 Lacs, 5 Lacs, 7.5 Lacs, 10 Lacs, 12.5 Lacs, 15 Lacs, 20 Lacs, 25 Lacs, 50 Lacs, 75 Lacs, 100 Lacs ... Sum Insured ranges from Rs. 3 lacs to Rs. 100 lacs.","sources":[{"clause":"Row 4","heading":"Sum Insured","page":1,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/191#c-row-4"},{"clause":null,"heading":"Coverage Options","page":3,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/190#c-coverage-options"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days (accidents covered)","note":"Not applied if continuously covered for more than twelve months; applies afresh to an enhanced Sum Insured.","quote":"a) Expenses related to the treatment of any Illness within 30 days from the first Policy commencement date shall be excluded except claims arising due to an Accident, provided the same are covered. ... b) This exclusion shall not, however, apply if the Insured Person has continuous coverage for more than twelve months","sources":[{"clause":"6.3","heading":"30-day waiting period","page":23,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-3"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"cross-checked","value":{"unit":"months","amount":36},"display":"36 months","note":"Reduced by prior continuous coverage under portability; applies afresh to any Sum Insured increase; cover after 36 months requires the PED to have been declared and accepted.","quote":"a) Expenses related to the treatment of a Pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first Policy .","sources":[{"clause":"6.1","heading":"Pre-existing Diseases (Code–Excl01)","page":22,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-1"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"cross-checked","value":{"unit":"months","amount":24},"display":"24 months","note":"Accidents covered from day 1 and cancer after the 30-day wait. If a listed condition is also pre-existing, the longer (36-month) wait applies. Personal Waiting Periods of 24 months may be set in the schedule for individual conditions.","quote":"a) Expenses related to the treatment of the listed conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first Policy. This exclusion shall not be applicable for claims arising due to an Accident (covered from day 1) or Cancer (covered after 30-days waiting period). ... Conditions specified for an Insured Person under Personal Waiting Period in the Policy Schedule will be subject to a Waiting Period of 24 months","sources":[{"clause":"6.2","heading":"Specified disease/procedure waiting period- Code- Excl02","page":22,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-2"},{"clause":"6.19","heading":"Personal Waiting Periods","page":25,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-19"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"cross-checked","value":["Pancreatitis and stones in biliary and urinary system","Cataract, glaucoma and retinal detachment","Hyperplasia of prostate, hydrocele and spermatocele","Prolapse uterus or cervix, endometriosis, Fibroids, Polycystic ovarian disease (PCOD), hysterectomy (unless necessitated by Malignancy)","Hemorrhoids, fissure, fistula or abscess of anal and rectal region","Hernia of any site or type","Osteoarthritis, joint replacement, osteoporosis, systemic connective tissue disorders, inflammatory polyarthropathies, Rheumatoid Arthritis, gout, intervertebral disc disorders, arthroscopic surgeries for ligament repair","Varicose veins of lower extremities","All internal or external benign neoplasms/ tumours, cyst, sinus, polyps, nodules, mass or lump","Ulcer, erosion or varices of gastro intestinal tract","Surgical treatment for diseases of middle ear and mastoid (including otitis media, cholesteatoma, perforation of tympanic membrane), Tonsils and adenoids, nasal septum and nasal sinuses"],"display":"Stones, cataract, prostate, uterine conditions, piles and fistula, hernia, joint and spine conditions, varicose veins, benign growths, GI ulcers, ENT surgeries","note":null,"quote":"a) Pancreatitis and stones in biliary and urinary system ... b) Cataract, glaucoma and retinal detachment ... c) Hyperplasia of prostate, hydrocele and spermatocele ... d) Prolapse uterus or cervix, endometriosis, Fibroids, Polycystic ovarian disease (PCOD), hysterectomy (unless necessitated by Malignancy) ... e) Hemorrhoids, fissure, fistula or abscess of anal and rectal region ... f) Hernia of any site or type, ... g) Osteoarthritis, joint replacement, osteoporosis, systemic connective tissue disorders, inflammatory polyarthropathies, Rheumatoid Arthritis, gout, intervertebral disc disorders, arthroscopic surgeries for ligament repair ... h) Varicose veins of lower extremities ... i) All internal or external benign neoplasms/ tumours, cyst, sinus, polyps, nodules, mass or lump ... j) Ulcer, erosion or varices of gastro intestinal tract ... k) Surgical treatment for diseases of middle ear and mastoid (including otitis media, cholesteatoma, perforation of tympanic membrane), Tonsils and adenoids, nasal septum and nasal sinuses","sources":[{"clause":"6.2","heading":"Specified disease/procedure waiting period- Code- Excl02","page":22,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-2"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"cross-checked","value":{"unit":"months","amount":60},"display":"60 months","note":"For an enhanced Sum Insured, the sixty months run from the date of enhancement on the enhanced amount only.","quote":"After completion of sixty continuous months of coverage (including portability and migration) in health insurance policy, no policy and claim shall be contestable by the insurer on the grounds of non-disclosure, misrepresentation, except on grounds of established fraud.","sources":[{"clause":"8.9","heading":"Moratorium Period","page":33,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-8-9"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"cross-checked","value":"Yes. You can port the policy to another insurer and carry over credit for the Sum Insured, No Claim Bonus, specific waiting periods, pre-existing disease waiting period and moratorium period.","display":"Yes, with credit for waiting periods and moratorium","note":"Subject to the acquiring insurer's underwriting policy. Migration to another Niva Bupa policy carries the same credits (Section 8.14).","quote":"A Policyholder has the choice to port his/ her policies from one Insurer to another irrespective of individual or group policy subject to the Board approved underwriting policy of the insurers. The policyholder is entitled to transfer the credits gained to the extent of the Sum Insured, No Claim Bonus, specific waiting periods, waiting period for pre-existing disease , Moratorium period etc. from the Existing Insurer to the Acquiring Insurer in the previous policy.","sources":[{"clause":"8.15","heading":"Portability","page":34,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-8-15"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"cross-checked","value":true,"display":"Yes, no maximum cover ceasing age","note":"A child in a Family Floater who has completed Age 31 at renewal must move to a separate policy, with waiting-period credit.","quote":"A health insurance policy shall be renewable except on grounds of established fraud or non-disclosure or misrepresentation by the insured. ... There is no maximum cover ceasing age on renewals. ... We assure you renewability of your policy for lifetime","sources":[{"clause":"8.3","heading":"Renewal of Policy","page":31,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-8-3"},{"clause":null,"heading":"Policy Design","page":1,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/190#c-policy-design"},{"clause":null,"heading":"ReAssure - Start a healthy relationship","page":1,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/190#c-reassure-start-a-healthy-relationship"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"cross-checked","value":"No. No loading applies on renewal based on individual claims experience; the separate Favourable Claim Experience Discount (up to 39%) depends on claims paid.","display":"No loading for claims","note":"Prospectus: the claim experience discount level moves down after claims above INR 40,000 and does not apply to insureds aged 60 and above. Renewal premium also changes with age.","quote":"d) No loading shall apply on renewals based on individual claims experience. ... You will get a discount on your policy of up to 39% on the renewal premium basis the value of the claims paid in a policy year. ... Claim up to INR 40,000 | Stays in the same level ... Favourable claim experience discount will not apply to insureds aged 60 years and above ... Renewal premium will alter based on Age.","sources":[{"clause":"8.3","heading":"Renewal of Policy","page":31,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-8-3"},{"clause":null,"heading":"Policy Design","page":1,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/190#c-policy-design"},{"clause":null,"heading":"Level Grid","page":2,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/190#c-level-grid"},{"clause":"8.16","heading":"Renewal Premium","page":35,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-8-16"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"cross-checked","value":["Investigation & Evaluation (Excl04)","Rest Cure, rehabilitation and respite care (Excl05)","Obesity/ Weight Control (Excl06)","Change-of-Gender treatments (Excl07)","Cosmetic or plastic Surgery (Excl08)","Hazardous or Adventure sports (Excl09)","Breach of law (Excl10)","Excluded Providers (Excl11)","Alcoholism, drug or substance abuse or any addictive condition (Excl12)","Treatments in health hydros, nature cure clinics, spas (Excl13)","Dietary supplements and substances that can be purchased without prescription (Excl14)","Refractive Error less than 7.5 dioptres (Excl15)","Unproven Treatments (Excl16)","Sterility and Infertility (Excl17)","Maternity Expenses (Excl18)","Hospital charges not expressly covered, including RMO charges, surcharges and service charges","Circumcision unless needed for disease or accident","Conflict & Disaster (nuclear, war, rebellion, terrorism)","External Congenital Anomaly","Dental/oral treatment except while hospitalised due to an accident","Hormone Replacement Therapy","Multifocal lens, ambulatory devices and medical equipment used at home","Sexually transmitted infections and diseases (other than HIV / AIDS)","Sleep disorders","Treatment outside India","OPD treatment","Unrecognized Physician or Hospital, or treatment by family members","Conditions not clinically significant or related to anxiety, bereavement, relationship or academic problems","Intentional self inflicted injury or attempted suicide","Artificial life maintenance for a person declared brain dead or in vegetative state","Hospitalisation not necessary or unduly long as per medical guidelines"],"display":"Standard exclusions Excl04 to Excl18 plus the policy's own specific exclusions","note":"Further permanent exclusions may be applied to an individual's named conditions in the Policy Schedule. The optional Personal Accident Cover has its own exclusions (6.36: suicide, war, armed forces service, intoxication, aviation, adventure sports). Excl06 excludes obesity surgery only where the listed BMI and clinical conditions are not met; Excl18 excepts ectopic pregnancy.","quote":"Investigation & Evaluation (Code-Excl04) ... Rest Cure, rehabilitation and respite care (Code-Excl05) ... Obesity/ Weight Control (Code-Excl06) ... Change-of-Gender treatments (Code-Excl07) ... Cosmetic or plastic Surgery (Code-Excl08) ... Hazardous or Adventure sports (Code-Excl09) ... Breach of law (Code-Excl10) ... Excluded Providers (Code-Excl11) ... Treatment for, alcoholism, drug or substance abuse or any addictive condition and consequences thereof. (Code-Excl12) ... Treatments received in heath hydros, nature cure clinics, spas or similar establishments ... (Code-Excl13) ... Dietary supplements and substances that can be purchased without prescription ... Excl14 ... Refractive Error (Code-Excl15) ... refractive error less than 7.5 dioptres ... Unproven Treatments (Code-Excl16) ... Sterility and Infertility (Code-Excl17) ... Maternity Expenses (Code-Excl18) ... Charges related to a Hospital stay not expressly mentioned as being covered. This will include charges for RMO charges, surcharges and service charges levied by the Hospital. ... Circumcision unless necessary for the treatment of a disease or necessitated by an Accident. ... Conflict & Disaster ... nuclear, radiological emissions, war or war like situations (whether war is declared or not), rebellion ... acts of terrorism ... Screening, counseling or treatment related to external Congenital Anomaly. ... Dental/oral treatment ... except if required by an Insured Person while Hospitalized due to an Accident. ... Treatment for any condition / illness which requires hormone replacement therapy. ... Multifocal Lens and ambulatory devices such as walkers, crutches, splints, stockings of any kind and also any medical equipment which is subsequently used at home. ... Sexually transmitted Infections & diseases (other than HIV / AIDS) ... Treatment for any conditions related to disturbance of normal sleep patterns or behaviors. ... Any treatment or medical services received outside the geographical limits of India. ... Any expenses incurred on OPD treatment. ... Unrecognized Physician or Hospital ... b) Treatment provided by anyone with the same residence as an Insured Person or who is a member of the Insured Person’s immediate family or relatives. ... The condition which is not clinically significant or is related to anxiety, bereavement, relationship or academic problems, acculturation ... Treatment related to intentional self inflicted Injury or attempted suicide by any means. ... Artificial life maintenance for the Insured Person who has been declared brain dead or in vegetative state ... the Hospitalization for treatment under claim is not necessary or the stay at the Hospital is found unduly long","sources":[{"clause":"6.4","heading":"Investigation & Evaluation (Code-Excl04)","page":23,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-4"},{"clause":"6.5","heading":"Rest Cure, rehabilitation and respite care (Code-Excl05)","page":23,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-5"},{"clause":"6.6","heading":"Obesity/ Weight Control (Code-Excl06)","page":24,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-6"},{"clause":"6.7","heading":"Change-of-Gender treatments (Code-Excl07)","page":24,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-7"},{"clause":"6.8","heading":"Cosmetic or plastic Surgery (Code-Excl08)","page":24,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-8"},{"clause":"6.9","heading":"Hazardous or Adventure sports (Code-Excl09)","page":24,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-9"},{"clause":"6.10","heading":"Breach of law (Code-Excl10)","page":24,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-10"},{"clause":"6.11","heading":"Excluded Providers (Code-Excl11)","page":24,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-11"},{"clause":"6.12","heading":"Treatment for, alcoholism, drug or substance abuse or any addictive condition and consequences thereof.","page":24,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-12"},{"clause":"6.13","heading":null,"page":24,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-13"},{"clause":"6.14","heading":null,"page":24,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-14"},{"clause":"Excl14","heading":null,"page":24,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-excl14"},{"clause":"6.15","heading":"Refractive Error (Code-Excl15)","page":25,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-15"},{"clause":"6.16","heading":"Unproven Treatments (Code-Excl16)","page":25,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-16"},{"clause":"6.17","heading":"Sterility and Infertility (Code-Excl17)","page":25,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-17"},{"clause":"6.18","heading":"Maternity Expenses (Code-Excl18)","page":25,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-18"},{"clause":"6.20","heading":null,"page":25,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-20"},{"clause":"6.21","heading":"Circumcision","page":25,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-21"},{"clause":"6.22","heading":"Conflict & Disaster","page":25,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-22"},{"clause":"6.23","heading":"External Congenital Anomaly","page":25,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-23"},{"clause":"6.24","heading":"Dental/oral treatment","page":25,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-24"},{"clause":"6.25","heading":"Hormone Replacement Therapy","page":25,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-25"},{"clause":"6.26","heading":null,"page":25,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-26"},{"clause":"6.27","heading":"Sexually transmitted Infections & diseases (other than HIV / AIDS)","page":26,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-27"},{"clause":"6.28","heading":"Sleep disorders","page":26,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-28"},{"clause":"6.29","heading":null,"page":26,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-29"},{"clause":"6.30","heading":null,"page":26,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-30"},{"clause":"6.31","heading":"Unrecognized Physician or Hospital","page":26,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-31"},{"clause":"6.32","heading":null,"page":26,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-32"},{"clause":"6.33","heading":null,"page":26,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-33"},{"clause":"6.34","heading":null,"page":26,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-34"},{"clause":"6.35","heading":null,"page":26,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-35"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"cross-checked","value":"You may cancel at any time with 7 days' written notice. For a policy term up to one year with no claim made, proportionate premium for the unexpired period is refunded; for terms over 1 year, premium for policy years whose cover has not started is refunded.","display":"Proportionate premium for the unexpired period if no claim (1-year term); premium for unstarted years on longer terms","note":"The wording does not state the refund when a claim has been made in a one-year policy.","quote":"The policy holder may cancel his/her policy at any time during the term, by giving 7 days’ notice in writing. The insurer shall:\na) Refund proportionate premium for unexpired policy period, if the term of the policy upto one year and there is no claim(s) made during the policy period.\nb) Refund premium for the unexpired policy period, in respect of policies with term more than 1 year and risk coverage for such policy years are not commenced.","sources":[{"clause":"8.2","heading":"Cancellation","page":31,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-8-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"cross-checked","value":"India only; all benefits are available in India and claims are paid in India in Indian Rupees.","display":"India only","note":"The optional Personal Accident Cover applies to accidents at any location worldwide.","quote":"All benefits are available in India only and all claims shall be payable in India in Indian Rupees only. ... Any treatment or medical services received outside the geographical limits of India. ... at any location worldwide","sources":[{"clause":"8.25","heading":"Territorial Jurisdiction","page":36,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-8-25"},{"clause":"6.29","heading":null,"page":26,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-29"},{"clause":"5.1","heading":"Personal Accident CoverWhat is covered","page":17,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-5-1"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days","note":"Applies to new individual policies, not renewals, if no claim has been made. Refund less proportionate risk premium, medical examination and stamp duty costs.","quote":"The insured person shall be allowed free look period of thirty days from date of receipt of the policy document to review the terms and conditions of the policy. ... the policyholder shall be entitled to a refund of the premium paid subject only to a deduction of a proportionate risk premium for the period of cover and the expenses, if any, incurred by the insurer on medical examination of the proposer and stamp duty charges.","sources":[{"clause":"8.1","heading":"Free Look Provision","page":31,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-8-1"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days (15 days for monthly instalments)","note":"15 days where premium is paid monthly. An instalment not received within the grace period cancels the policy.","quote":"i) Grace Period of 30 days in all types of policies, , and a period of 15 days in case of monthly instalments. ... can be renewed within the Grace Period of 30 days (annual installment) to maintain continuity of benefits without break in policy.","sources":[{"clause":"8.30","heading":"Premium Payment in Installments","page":36,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-8-30"},{"clause":"8.3","heading":"Renewal of Policy","page":31,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-8-3"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"cross-checked","value":"91 days to 99 years; adult dependants from 18 years; dependent children in a family floater from 91 days to 30 years.","display":"91 days to 99 years","note":"From the prospectus; the policy wording does not print entry ages.","quote":"This policy covers persons in the age group 91 days to 99 years. The maximum entry age is restricted to 99 years. The Minimum entry age for adult dependent is 18 years and maximum entry age is 99 years. ... The range of entry ages for dependent children under a family floater policy is from 91 days to 30 years.","sources":[{"clause":null,"heading":"Policy Design","page":1,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/190#c-policy-design"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"cross-checked","value":["Annual","Half Yearly","Quarterly","Monthly"],"display":"Annual, half-yearly, quarterly or monthly","note":"Term discounts for 2-year and 3-year policies do not apply when paying monthly, half-yearly or quarterly (prospectus). On a claim, all remaining instalments become due.","quote":"lf the insured person has opted for Payment of Premium on an instalment basis i.e. Half Yearly, Quarterly or Monthly ... Grace Period of 30 days (annual installment)","sources":[{"clause":"8.30","heading":"Premium Payment in Installments","page":36,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-8-30"},{"clause":"8.3","heading":"Renewal of Policy","page":31,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-8-3"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"cross-checked","value":["Personal Accident Cover","Hospital Cash","Safeguard","Safeguard+","Modern Treatment+"],"display":"Personal Accident Cover, Hospital Cash, Safeguard, Safeguard+, Modern Treatment+","note":"Personal Accident Cover is for insured aged 18 and above, up to 5 times Base Sum Insured (max Rs. 100 lacs). Hospital Cash pays Rs. 1,000, 2,000 or 4,000 per day up to 30 days. Safeguard/Safeguard+ pay non-payable items, protect Loyalty Additions and add CPI-linked Sum Insured increases; only one of the two can be chosen. Modern Treatment+ removes the INR 1,00,000 robotic surgery sub-limit.","quote":"The optional benefits ‘Personal Accident Cover’ and ‘Hospital Cash’ ... 5.3 Safeguard ... 5.4 Safeguard+ ... 5.5 Modern Treatment+ ... Hospital Cash (1) | 1,000/day | 2,000/day | 4,000/day ... Personal Accident cover (for insured aged 18 years & above on individual basis) | Personal Accident cover will be equal to 5 times of Base Sum Insured; subject to maximum of Rs. 100 Lacs ... up to a maximum 30 days of Hospitalization during the Policy Year ... Note: You can either choose Safeguard or Safeguard+ at a given point in time. ... If opted, will remove the sub-limit of INR 1,00,000 from the Modern Treatment benefit (Section 4.5)","sources":[{"clause":"5","heading":"Optional Benefits","page":16,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-5"},{"clause":"5.3","heading":"Safeguard","page":20,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-5-3"},{"clause":"5.4","heading":"Safeguard+","page":21,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-5-4"},{"clause":"5.5","heading":"Modern Treatment+","page":22,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-5-5"},{"clause":null,"heading":"Optional benefits","page":37,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-optional-benefits"},{"clause":"5.2","heading":"Hospital Cash","page":19,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-5-2"},{"clause":"5.4(b)","heading":"Consumer Price index (CPI)","page":21,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-5-4-b-2"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"cross-checked","value":"Yes. Coverage is available during the grace period.","display":"Yes, covered during grace period","note":"The standard Grace Period definition (3.1.16) says 'Coverage need not be available during the period for which no premium is received'; Sections 8.3 and 8.30 say cover is given.","quote":"c) Coverage is available during the grace period. ... ii) For policies where premium is paid in instalments only, the coverage will be given during grace period.","sources":[{"clause":"8.3","heading":"Renewal of Policy","page":31,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-8-3"},{"clause":"8.30","heading":"Premium Payment in Installments","page":36,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-8-30"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for the hospital room, or the room category allowed. If you take a costlier room, other bills can be cut in proportion.","status":"not-stated","value":null,"display":null,"note":"No room rent limit is printed. Inpatient Care is 'Covered up to Sum Insured'; Section 7.4(d)(i) pro-rates expenses if the room is above the eligible limit 'as specified in the Policy Schedule'.","quote":null,"sources":[],"law":[]},{"key":"room_category","label":"Room category allowed","section":"Limits and co-pay","meaning":"Shared room, single private room or any room, by plan, when the limit is a room type rather than a rupee amount.","status":"not-stated","value":null,"display":null,"note":"No room category is printed; the eligible room limit is 'as specified in the Policy Schedule'. A Shared accommodation Cash Benefit (Rs. 800 or Rs. 1,000 per day) is paid when a shared room is used in a Network Hospital.","quote":null,"sources":[],"law":[]},{"key":"icu_limit","label":"ICU limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for intensive care.","status":"cross-checked","value":"ICU charges are paid under Inpatient Care, which is covered up to the Sum Insured; no separate ICU cap is printed.","display":"Covered up to Sum Insured (part of Inpatient Care)","note":null,"quote":"i) Intensive Care Unit Charges. ... Inpatient Care | Covered up to Sum Insured","sources":[{"clause":"4.1","heading":"Inpatient Care","page":7,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-4-1"},{"clause":null,"heading":"Benefits","page":37,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-benefits"}],"law":[]},{"key":"proportionate_deduction","label":"Proportionate deduction","section":"Limits and co-pay","meaning":"If you choose a room above your limit, whether the insurer reduces associated charges (doctor fees, tests, procedures) by the same proportion.","status":"cross-checked","value":"Yes. If the room category is higher than the eligible limit in the Policy Schedule, the associated medical expenses are pro-rated.","display":"Yes, if room above eligible limit","note":"The documents do not print the room limit itself; it is left to the Policy Schedule.","quote":"i) If a room has been opted in a Hospital for which the room category is higher than the eligible limit as applicable for that Insured Person as specified in the Policy Schedule, then the Associated Medical Expenses payable shall be pro-rated as per the applicable limits in accordance with Section 4.1.","sources":[{"clause":"7.4(d)(i)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-7-4-d-i"}],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself, and when it applies (age, zone, choice of hospital).","status":"cross-checked","value":"No co-payment.","display":"None","note":"Wording 7.4(d)(iii) applies a co-payment only 'if applicable' as specified in the Policy Schedule; no co-payment is described in the benefits.","quote":"ii. Co-payment – NA","sources":[{"clause":"Row 5(h)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/191#c-row-5-h"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"An amount of each claim or each year that you bear before the policy pays.","status":"cross-checked","value":"No deductible.","display":"None","note":"Wording 7.4(d)(ii) describes how an aggregate deductible would apply 'if applicable'; no deductible option is listed in the benefit table.","quote":"iii. Annual Aggregate Deductible - NA","sources":[{"clause":"Row 5(h)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/191#c-row-5-h"}],"law":[]},{"key":"disease_sublimits","label":"Disease or procedure sub-limits","section":"Limits and co-pay","meaning":"Caps on what is paid for named treatments (cataract, knee replacement...), even if the sum insured is higher.","status":"cross-checked","value":["Robotic surgeries: maximum INR 1 Lac, except robotic total radical prostatectomy, robotic cardiac surgeries, robotic partial nephrectomy and robotic surgeries for malignancies"],"display":"Robotic surgeries capped at INR 1 Lac (some exceptions)","note":"The optional Modern Treatment+ removes this sub-limit. Other caps: road ambulance Rs. 2,000 per hospitalisation; air ambulance Rs. 2.5 lacs on reimbursement.","quote":"A limit of maximum INR 1 Lac will apply to all robotic surgeries, except the following:\ni) Robotic total radical prostatectomy\nii) Robotic cardiac surgeries\niii) Robotic partial nephrectomy\niv) Robotic surgeries for malignancies ... If opted, will remove the sub-limit of INR 1,00,000 from the Modern Treatment benefit (Section 4.5), enhancing the limit for the benefit up to Base Sum Insured. ... Emergency Ambulance | Covered upto Rs.2,000 per hospitalization ... Air Ambulance | Cashless claim: Covered up to Sum Insured / Reimbursement claim: Covered up to Rs. 2.5 Lacs","sources":[{"clause":"4.5(b)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-4-5-b"},{"clause":"5.5","heading":"Modern Treatment+","page":22,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-5-5"},{"clause":null,"heading":"Benefits","page":37,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-benefits"}],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days before admission that are paid if related to the hospitalisation.","status":"cross-checked","value":{"unit":"days","amount":60},"display":"60 days","note":"Reimbursement only; up to Sum Insured. Not payable for Domiciliary Hospitalization or Home Care treatment.","quote":"a) We will pay above mentioned Pre-hospitalization Medical Expenses only for period up to 60 days immediately preceding the Insured Person’s admission for Inpatient Care or Day Care Treatment or Alternative Treatments or Modern Treatments.","sources":[{"clause":"4.6(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-4-6-a-2"}],"law":[]},{"key":"post_hospitalisation","label":"Post-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days after discharge that are paid if related to the hospitalisation.","status":"cross-checked","value":{"unit":"days","amount":180},"display":"180 days","note":"Reimbursement only; up to Sum Insured.","quote":"a) We will pay Post-hospitalization Medical Expenses only for up to 180 days immediately following the Insured Person’s discharge from Hospital or Day Care Treatment or Alternative Treatments or Modern Treatments.","sources":[{"clause":"4.7","heading":"Post-hospitalization Medical Expenses","page":10,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-4-7"}],"law":[]},{"key":"day_care","label":"Day-care treatments","section":"Cover","meaning":"Treatments needing less than 24 hours in hospital (chemotherapy, dialysis, cataract) and whether all or only listed ones are covered.","status":"cross-checked","value":"All Day Care Treatments are covered up to the Sum Insured when the insured is admitted for more than 2 hours; angiography, dialysis, radiotherapy and chemotherapy for cancer are included.","display":"All day care treatments covered up to Sum Insured","note":"OPD treatment is not covered. Home Care treatment covers chemotherapy or dialysis taken at home.","quote":"We will indemnify the Medical Expenses incurred on the Insured Person’s under any Day Care Treatment during the Policy Period following an Illness or Injury. ... b) The Day Care Treatment would be covered if the Insured Person is admitted for more than 2 hours and would also cover treatment taken for Angiography, Dialysis, Radiotherapy or Chemotherapy for cancer. ... Day Care Treatment | Covered up to Sum Insured","sources":[{"clause":"4.2","heading":"Day Care Treatment","page":8,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-4-2"},{"clause":null,"heading":"Benefits","page":37,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-benefits"}],"law":[]},{"key":"domiciliary","label":"Treatment at home","section":"Cover","meaning":"Whether treatment at home is covered when hospital admission is not possible or a doctor advises it.","status":"cross-checked","value":"Yes, on reimbursement, up to the Sum Insured, if it lasts at least 3 consecutive days and a doctor confirms the patient could not be moved to hospital or no hospital bed was available.","display":"Yes, up to Sum Insured (reimbursement only)","note":"Pre- and post-hospitalisation expenses are not payable under this benefit.","quote":"We will indemnify on Reimbursement basis only, the Medical Expenses incurred for the Insured Person’s Domiciliary Hospitalization during the Policy Period following an Illness or Injury. ... a) The Domiciliary Hospitalization continues for at least 3 consecutive days ... b) The treating Medical Practitioner confirms in writing that the Insured Person’s condition was such that the Insured Person could not be transferred to a Hospital OR the Insured Person satisfies Us that a Hospital bed was unavailable. ... Domiciliary Hospitalization | Covered up to Sum Insured","sources":[{"clause":"4.4","heading":"Domiciliary Hospitalization","page":9,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-4-4"},{"clause":null,"heading":"Benefits","page":37,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-benefits"}],"law":[]},{"key":"ayush","label":"AYUSH treatment","section":"Cover","meaning":"Ayurveda, Yoga, Unani, Siddha and Homeopathy treatment in a recognised hospital, and any limit.","status":"cross-checked","value":"Covered up to the Sum Insured for in-patient Ayurveda, Unani, Siddha and Homeopathy treatment in an AYUSH Hospital; Yoga is not covered.","display":"Covered up to Sum Insured (AYUSH Hospital, in-patient)","note":null,"quote":"We will indemnify the Medical Expenses incurred on the Insured Person’s Hospitalization for Inpatient Care during the Policy Period on treatment taken under Ayurveda, Unani, Siddha and Homeopathy. ... a) The treatment should be taken in AYUSH Hospital. ... a) Medical Expenses incurred on treatment taken under Yoga shall not be covered. ... Alternative Treatments | Covered up to Sum Insured","sources":[{"clause":"4.3","heading":"Alternative Treatments","page":8,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-4-3"},{"clause":null,"heading":"Benefits","page":37,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-benefits"}],"law":[{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 1","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 2","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 1","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II A.I(1)","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"modern_treatments","label":"Modern treatments","section":"Cover","meaning":"Robotic surgery, immunotherapy, oral chemotherapy, stem cell therapy and the like, and any cap on them.","status":"cross-checked","value":"Covered up to the Sum Insured as in-patient or day care treatment, including robotic surgery, oral chemotherapy, immunotherapy and stem cell therapy; robotic surgeries are capped at INR 1 Lac except a few listed types.","display":"Covered up to Sum Insured; robotic surgeries capped at INR 1 Lac with exceptions","note":"Cap does not apply to robotic radical prostatectomy, cardiac surgeries, partial nephrectomy or surgeries for malignancies. Optional Modern Treatment+ removes the INR 1,00,000 sub-limit (its wording says 'from the Modern Treatment benefit').","quote":"a) The following procedures / treatments will be covered either as Inpatient Care or as part of Day Care Treatment as per Section 4.1 and Section 4.2 respectively, in a Hospital : ... iv) Oral chemotherapy ... v) Immunotherapy- Monoclonal Antibody to be given as injection ... vii) Robotic surgeries ... xii) Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered. ... A limit of maximum INR 1 Lac will apply to all robotic surgeries, except the following: ... Modern treatments | Covered up to Sum Insured with sub-limit of Rs. 1Lac on few robotic surgeries","sources":[{"clause":"4.5(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-4-5-a"},{"clause":"4.5(b)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-4-5-b"},{"clause":null,"heading":"Benefits","page":37,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-benefits"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 2","url":"https://indiainsurances.com/law/irdai-health-mc-2024"}]},{"key":"organ_donor","label":"Organ donor expenses","section":"Cover","meaning":"Whether the donor's hospital costs for an organ transplant are paid.","status":"cross-checked","value":"Yes. The living donor's in-patient costs for harvesting the organ are covered up to the Sum Insured; donor pre- and post-hospitalisation costs are not.","display":"Yes, donor's harvesting costs up to Sum Insured","note":"Only if the recipient's Inpatient Care claim is accepted; organ transport and preservation are excluded.","quote":"We will indemnify the Medical Expenses incurred for a living organ donor’s treatment as an Inpatient for the harvesting of the organ donated. ... b) Pre-hospitalization Medical Expenses or Post-hospitalization Medical Expenses of the organ donor. ... Living Organ Donor Transplant | Covered up to Sum Insured","sources":[{"clause":"4.8","heading":"Living Organ Donor Transplant","page":11,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-4-8"},{"clause":null,"heading":"Benefits","page":37,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-benefits"}],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"cross-checked","value":"Road ambulance up to Rs. 2,000 per hospitalisation (one transfer); air ambulance in India up to the Sum Insured for cashless claims and up to Rs. 2.5 lacs for reimbursement claims.","display":"Road: up to Rs. 2,000 per hospitalisation; Air: up to Sum Insured (cashless) or Rs. 2.5 lacs (reimbursement)","note":"Air ambulance only within India, from a provider registered in India; return transport home is excluded.","quote":"c) This benefit is available for only one transfer per Hospitalization. ... f. We will cover expenses up to Rs. 2,000 per Hospitalization. ... Air Ambulance | Cashless claim: Covered up to Sum Insured / Reimbursement claim: Covered up to Rs. 2.5 Lacs","sources":[{"clause":"4.9(c)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-4-9-c"},{"clause":null,"heading":"Benefits","page":37,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-benefits"}],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up in a year, how much, how often, and whether it works for the same illness.","status":"cross-checked","value":"Yes. The ReAssure benefit is triggered with the first paid claim and is available for all later claims in the policy year, up to the Base Sum Insured per claim; the CIS calls it unlimited reinstatement for the same and different illness.","display":"Yes, unlimited reinstatement up to Base Sum Insured, same or different illness","note":"Used after Base Sum Insured, Safeguard increase and Loyalty Additions are exhausted; applies to in-patient, day care, AYUSH, domiciliary, modern treatment, organ donor and home care claims; floater basis on family policies. The benefit table row for ReAssure is blank in the wording.","quote":"This benefit is triggered with the first paid claim itself and is available for all subsequent claims in a Policy Year. ... a) The maximum liability under a single claim under this benefit shall not be more than Base Sum Insured. ... ReAssure – Unlimited reinstatement up to base ... Sum Insured. (Applicable for both same & ... different illness)","sources":[{"clause":"4.13","heading":"ReAssure","page":13,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-4-13"},{"clause":null,"heading":"Customer Information Sheet/ Know Your Policy","page":2,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/191#c-customer-information-sheet-know-your-policy-2"}],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"cross-checked","value":"Loyalty Additions: at each policy anniversary, 50% of the previous year's Base Sum Insured is added, up to a maximum of 100% of the Base Sum Insured.","display":"50% of Base Sum Insured a year, up to 100%","note":"The base wording does not say how a claim affects Loyalty Additions; the optional Safeguard (Rs 50,000) and Safeguard+ (Rs 100,000) state Loyalty Additions are not impacted if claims in the previous year stay within those amounts. Sub-limits do not rise with Loyalty Additions.","quote":"a) Upon every completion of policy year, at the policy anniversary, 50% of the previous year’s Base Sum insured will be provided as Loyalty Additions subject to a maximum of 100% of the Base Sum Insured. ... b) Loyalty Additions Safeguard: Loyalty additions benefit will not be impacted if claim amount in the previos policy year does not exceed the overall amount of Rs 50,000 ... b) Loyalty Additions Safeguard+: Loyalty additions benefit will not be impacted if claim amount in the previos policy year does not exceed the overall amount of Rs 100,000","sources":[{"clause":"4.12(a)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-4-12-a"},{"clause":"5.3(b)","heading":"Loyalty Additions Safeguard","page":20,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-5-3-b"},{"clause":"5.4(b)","heading":"Loyalty Additions Safeguard+","page":21,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-5-4-b"}],"law":[]},{"key":"consumables","label":"Consumables and non-medical items","section":"Cover","meaning":"Gloves, PPE, syringes and other items hospitals bill that standard policies exclude; whether this policy pays them.","status":"cross-checked","value":"Not covered in the base policy: items in Annexure II List I (such as gloves) are not payable. Optional Safeguard pays List I items and Safeguard+ pays List I to IV items.","display":"Not covered unless Safeguard or Safeguard+ is opted","note":"Inpatient Care covers 'allowable consumables'.","quote":"b) The expenses that are not covered or subsumed into room charges / procedure charges / costs of treatment are placed as Annexure II ... List I – Expenses not covered ... 56 | GLOVES ... a) Claim Safeguard: If We have accepted a Hospitalization claim under Section 4, then the items which are not payable as per List I – ‘Expenses not covered’ under Annexure II related to that particular claim will become payable. ... a) Claim Safeguard+: If We have accepted a Hospitalization claim under Section 4, then the items which are not payable as per List I, II, III, IV–under Annexure II related to that particular claim will become payable.","sources":[{"clause":"4(b)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-4-b"},{"clause":null,"heading":"Optional benefits","page":37,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-optional-benefits"},{"clause":"5.3(a)","heading":"Claim Safeguard","page":20,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-5-3-a"},{"clause":"5.4(a)","heading":"Claim Safeguard+","page":21,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-5-4-a"}],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"cross-checked","value":"Not covered. Childbirth, miscarriage (unless due to accident) and medical termination of pregnancy are excluded; ectopic pregnancy is not excluded.","display":"Not covered","note":null,"quote":"Maternity Expenses (Code-Excl18) ... a) Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during Hospitalization) except ectopic pregnancy; ... b) Expenses towards miscarriage (unless due to an Accident) and lawful medical termination of pregnancy during the Policy Period.","sources":[{"clause":"6.18","heading":"Maternity Expenses (Code-Excl18)","page":25,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-18"}],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"not-stated","value":null,"display":null,"note":"No newborn cover is described; the minimum entry age is 91 days (prospectus) and maternity is excluded (Excl18).","quote":null,"sources":[],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","status":"not-stated","value":null,"display":null,"note":"Mental illness cover is not mentioned. Exclusion 6.32 excludes conditions not clinically significant or related to anxiety, bereavement, relationship or academic problems.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 3","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch III I","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(4)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 2(1)(s)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(1)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"}]},{"key":"health_checkup","label":"Health check-up","section":"Cover","meaning":"Free preventive check-ups and how often.","status":"cross-checked","value":"Once a policy year from day 1, cashless only, for a defined list of tests, up to Rs. 500 for every Rs. 1 lac Sum Insured (maximum Rs. 5,000 per insured on individual policies, Rs. 10,000 per family floater policy).","display":"Annual from day 1; Rs. 500 per Rs. 1 lac SI (max Rs. 5,000 individual / Rs. 10,000 floater)","note":"Tests include blood count, sugar, lipid profile, kidney and liver function, thyroid, ECG, TMT and ultrasound; unused amount is not carried forward.","quote":"This benefit is available ONLY on cashless and no re-imbursement is allowed ... a) This benefit is available only once in a Policy Year ... Health Check-up | Annual (From Day 1); For defined list of tests; up to Rs. 500 for every Rs. 1 Lac Sum Insured (Individual policy: maximum Rs. 5,000 per Insured; Family Floater policy: maximum Rs. 10,000 per policy)","sources":[{"clause":"4.15","heading":"Health Checkup","page":14,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-4-15"},{"clause":"4.15(a)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-4-15-a"},{"clause":null,"heading":"Benefits","page":37,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-benefits"}],"law":[]},{"key":"opd","label":"Out-patient (OPD) cover","section":"Cover","meaning":"Doctor consultations, tests and medicines without admission, and the limit.","status":"cross-checked","value":"Not covered.","display":"Not covered","note":null,"quote":"Any expenses incurred on OPD treatment. ... a) OPD Treatment and Diagnostic Services costs are not covered under this benefit.","sources":[{"clause":"6.30","heading":null,"page":26,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-6-30"},{"clause":"4.2","heading":"Day Care Treatment","page":8,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-4-2"}],"law":[]},{"key":"zone_pricing","label":"Zone or city-based premium","section":"Premium","meaning":"Whether premium or co-pay depends on the city you are treated in.","status":"cross-checked","value":"Yes. Premium is calculated by 3 zones: Zone 1 Delhi NCR, Mumbai (including Navi Mumbai and Thane) and Gujarat; Zone 2 Pune, Ludhiana, Jaipur, Nasihk, Hyderabad, Kolkata; Zone 3 rest of India.","display":"Yes, premium varies by 3 zones","note":"No zone-based co-payment is described (CIS: Co-payment NA).","quote":"For the purpose of calculating premium, the country has been divided into the following 3 zones:\na) Zone 1: Delhi NCR, Mumbai (including Navi Mumbai and Thane)and Gujarat State ... b) Zone 2: Pune, Ludhiana, Jaipur, Nasihk, Hyderabad, Kolkata\nc) Zone 3: Rest of India","sources":[{"clause":"8.28","heading":"Zonal pricing","page":36,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-8-28"}],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"cross-checked","value":"Yes, at Niva Bupa Network Providers, with pre-authorisation at least 72 hours before planned treatment or within 48 hours of an emergency admission.","display":"Yes, at network hospitals","note":"Pre-hospitalisation, post-hospitalisation and domiciliary claims are reimbursement only; health check-up is cashless only.","quote":"Cashless Facility can be availed only at Our Network Providers or Service Providers (as applicable). ... We must be contacted to pre-authorize Cashless Facility for planned treatment at least 72 hours prior to the proposed treatment. ... We must be contacted to pre-authorize Cashless Facility within 48 hours of the Insured Person’s Hospitalization","sources":[{"clause":"7.2","heading":"Claims Procedure","page":27,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-7-2"},{"clause":"7.2(a)(i)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-7-2-a-i"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"cross-checked","value":"Niva Bupa itself; the prospectus says customers deal with the insurer directly, not through third parties.","display":"The insurer (Niva Bupa) directly","note":"From the prospectus. The wording refers to 'We/Our Service Provider' for claim inspection; service providers arrange air ambulance, health check-up and second opinion.","quote":"You talk to us directly, not through any third parties.","sources":[{"clause":null,"heading":"ReAssure - Start a healthy relationship","page":1,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/190#c-reassure-start-a-healthy-relationship"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"cross-checked","value":true,"display":"Yes","note":"Floater combinations from 1 Adult + 1 Child to 2 Adults + 4 Children; premium based on the eldest member's age.","quote":"can be issued to individual customer(s) or to a family with up to 4 children (refer to as family floater). ... Family Floater Policy means a Policy described as such in the Policy Schedule where the family members (two or more) named in the Policy Schedule are insured under this Policy.","sources":[{"clause":null,"heading":"Policy Design","page":1,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/190#c-policy-design"},{"clause":"3.2.6","heading":"Family Floater Policy","page":6,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189#c-3-2-6"}],"law":[]}],"documents":[{"kind":"wording","label":"ReAssure Policy Wording","pages":45,"fetched_at":"2026-10-16 07:11:43.210313+00","source_url":"https://transactions.nivabupa.com/pages/doc/policy_wording/ReAssure-Policy-Wording.pdf?v=1.5","url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/189"},{"kind":"prospectus","label":"ReAssure Prospectus","pages":38,"fetched_at":"2026-10-16 07:11:43.210313+00","source_url":"https://transactions.nivabupa.com/pages/doc/prospectus/ReAssure-Prospectus.pdf?v=1.6","url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/190"},{"kind":"cis","label":"ReAssure","pages":13,"fetched_at":"2026-10-16 07:11:43.210313+00","source_url":"https://transactions.nivabupa.com/pages/doc/Customer-Information/CIS_ReAssure.pdf?v=1.0","url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526/document/191"}],"versions":[{"uin":"MAXHLIO21060V012021","version":null,"approved_on":null},{"uin":"NBHHLIP26050V042526","version":null,"approved_on":null}],"where_to_buy":[],"claims_and_complaints":[],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"ReAssure (UIN NBHHLIP26050V042526), IndiaInsurances, https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-nbhhlip26050v042526"}