{"uin":"NBHHLIP27054V032627","name":"ReAssure 2.0","url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627","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":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"ReAssure 2.0 is a Niva Bupa individual or family floater health indemnity policy for treatment in India only, with Base Sum Insured from INR 5 Lakh to INR 1 Crore, no room rent limit and 60 days pre and 180 days post hospitalisation cover. The first paid claim triggers unlimited ReAssure Forever reinstatement, and unused Base Sum Insured carries forward under Booster+ up to 3, 5 or 10 times depending on the variant.","analysis":{"state":"extracted","analysed_at":"2026-10-16 07:11:58.291793+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":"cross-checked","value":["Diamond+","Platinum+","Titanium+","Bronze+","Silver+","Gold+","Bronze","Silver","Gold"],"display":"Diamond+, Platinum+, Titanium+, Bronze+, Silver+, Gold+, Bronze, Silver, Gold","note":"Variants differ in Booster+ multiple (3X, 5X or 10X) and in whether ReAssure+ (with Lock the Clock) or ReAssureX applies. Bronze, Silver and Gold are offered with lesser commission and also list a 75 Lacs sum insured.","quote":"Variant | Diamond+ | Platinum+ | Titanium+ | Bronze+ | Silver+ | Gold+ ... Variant | Bronze | Silver | Gold ... The above variants (Bronze, Silver, Gold) will be offered with lesser commission.","sources":[{"clause":null,"heading":"Product Benefit Table","page":31,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/196#c-product-benefit-table"},{"clause":null,"heading":"Optional Benefits","page":32,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/196#c-optional-benefits"},{"clause":null,"heading":"Optional Benefits","page":33,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/196#c-optional-benefits-2"}],"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":"1 year by default; 2-year and 3-year policy terms are also available.","display":"1 year (2 or 3 years optional)","note":"Term discount: 10% on second-year premium for a 2 year term; 15% on third year + 7.5% on second year for a 3 year term; not applicable for monthly, half-yearly or quarterly instalments.","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. ... 2 year term: 10% on the premium for second policy year ... 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":"1.7","heading":"Term discount","page":1,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/196#c-1-7"},{"clause":"1.7.1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/196#c-1-7-1"},{"clause":"1.7.2","heading":null,"page":1,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/196#c-1-7-2"},{"clause":"1.7.3","heading":null,"page":1,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/196#c-1-7-3"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"not-stated","value":null,"display":null,"note":"No time limit for notifying a claim is printed. The wording only says all documents must be submitted at the earliest possible time and delays are condoned on merits (6.2.4(b)).","quote":null,"sources":[],"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":["Original Discharge summary with first and subsequent consultation papers","Original Final Hospital bill with detailed break-up and payment receipt (including pharmacy bills)","Laboratory investigation reports with supporting prescriptions","MLC/First Information Report (FIR) (in accident cases)","KYC documents","Cancelled cheque"],"display":"Discharge summary, final hospital bill with receipts, lab reports with prescriptions, MLC/FIR (accidents), KYC documents, cancelled cheque","note":"Documents for expenses within the Deductible amount (if applicable) must also be submitted. Policyholder documents come from the nominee if the policyholder has died.","quote":"• Original Discharge summary with first and subsequent consultation papers. • Original Final Hospital bill with detailed break-up and payment receipt (including pharmacy bills). • Laboratory investigation reports with supporting prescriptions. • MLC/First Information Report (FIR) (in accident cases). Policyholder documents (Nominee in case of death of Policyholder): • KYC documents • Cancelled cheque","sources":[{"clause":"6.2.4(b)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-6-2-4-b"}],"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; interest at 2% above bank rate is paid for delay.","display":"15 days from claim submission","note":"Simplified text says 15 days from submission of all necessary claim documents. CIS: cashless pre-authorisation within 1 hour, final bill authorisation within three hours of the discharge request.","quote":"The Company shall settle or reject a claim, as the case may be, within 15 days from the claim submission date. ... at a rate of 2% above the bank rate. ... We will provide our decision on claim within 15 days from submission of all necessary claim documents. ... TAT for pre-authorization of cashless facility- 1 Hour - TAT for cashless final bill authorization- grant final authorization within three hours of the receipt of discharge authorization request from the hospital.","sources":[{"clause":"6.1.9(i)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-6-1-9-i"},{"clause":"6.1.9(ii)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-6-1-9-ii"},{"clause":null,"heading":"Simplified for you","page":22,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-simplified-for-you-4"},{"clause":"Def. 2","heading":null,"page":3,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/197#c-def-2"}],"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 (Excl01): excluded until 36 months of continuous coverage","Specified disease/procedure waiting period (Excl02): 24 months","30-day waiting period (Excl03) for any Illness except Accident","Personal Waiting Period of up to 48 months for conditions specified for an Insured Person","Investigation & Evaluation (Excl04)","Rest Cure, rehabilitation and respite care (Excl05)","Obesity/ Weight Control (Excl06)","Cosmetic or plastic Surgery (Excl08)","Hazardous or Adventure sports (Excl09)","Treatment for alcoholism, drug or substance abuse or any addictive condition (Excl12)","Sterility and Infertility (Excl17)","Maternity Expenses (Excl18)","Conflict & Disaster: nuclear, war, rebellion, acts of terrorism","External Congenital Anomaly","All dental treatments other than due to accidents and cancers"],"display":"PED 36 months, named illnesses 24 months, first 30 days, personal waiting up to 48 months, plus standard and policy-specific exclusions","note":"Full lists in sections 5.1 and 5.2 of the wording; see permanent_exclusions.","quote":"Pre-existing Diseases (Code–Excl01) ... until the expiry of 36 months of continuous coverage ... Specified disease/procedure waiting period (Code- Excl02) ... 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 ... Conditions specified for an Insured Person under Personal Waiting Period will be subject to a Waiting Period of up to 48 months ... Investigation & Evaluation (Code-Excl04) ... Rest Cure, rehabilitation and respite care (Code-Excl05) ... Obesity/ Weight Control (Code-Excl06) ... Cosmetic or plastic Surgery (Code-Excl08) ... Hazardous or Adventure sports (Code-Excl09) ... 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. ... Screening, counseling or treatment related to external Congenital Anomaly. ... All dental treatments other than due to accidents and cancers.","sources":[{"clause":"5.1.1","heading":"Pre-existing Diseases (Code–Excl01)","page":14,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-5-1-1"},{"clause":"5.1.2","heading":"Specified disease/procedure waiting period (Code- Excl02)","page":15,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-5-1-2"},{"clause":"5.1.3","heading":"30-day waiting period","page":15,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-5-1-3"},{"clause":"5.2.1","heading":"Personal Waiting Period","page":17,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-5-2-1"},{"clause":"5.1.4","heading":"Investigation & Evaluation (Code-Excl04)","page":16,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-5-1-4"},{"clause":"5.1.5","heading":"Rest Cure, rehabilitation and respite care (Code-Excl05)","page":16,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-5-1-5"},{"clause":"5.1.6","heading":"Obesity/ Weight Control (Code-Excl06)","page":16,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-5-1-6"},{"clause":"5.1.7","heading":"Cosmetic or plastic Surgery (Code-Excl08)","page":16,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-5-1-7"},{"clause":"5.1.8","heading":"Hazardous or Adventure sports (Code-Excl09)","page":16,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-5-1-8"},{"clause":"5.1.11","heading":"Treatment for, alcoholism, drug or substance abuse or any addictive condition and consequences thereof.","page":17,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-5-1-11"},{"clause":"5.1.15","heading":"Sterility and Infertility (Code-Excl17)","page":17,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-5-1-15"},{"clause":"5.1.16","heading":"Maternity Expenses (Code-Excl18)","page":17,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-5-1-16"},{"clause":"5.2.2","heading":"Conflict & Disaster","page":17,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-5-2-2"},{"clause":"5.2.3","heading":"External Congenital Anomaly","page":18,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-5-2-3"},{"clause":"5.2.4","heading":"Dental treatment","page":18,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-5-2-4"}],"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 customer services (website, toll-free 1860-500-8888, e-mail platform, fax, courier or any branch grievance cell); if not satisfied, the Grievance Redressal Officer, then escalate to GRO@nivabupa.com, before the Insurance Ombudsman.","display":"Niva Bupa customer services (1860-500-8888), then Grievance Redressal Officer, then GRO@nivabupa.com","note":"Senior citizens may write to seniorcitizensupport@nivabupa.com. Complaints may also be lodged on IRDAI Bima Bharosa.","quote":"ln case of any grievance the insured person may contact the company through: ... Toll- Free: | 1860-500-8888 ... lnsured person may also approach the grievance cell at any of the company’s branches with the details of grievance. If lnsured person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at: ... If the Insured person is not satisfied with the above, they can escalate to GRO@nivabupa.com. lf lnsured person is not satisfied with the redressal of grievance through above methods, the insured person may also approach the office of lnsurance Ombudsman","sources":[{"clause":"6.1.8","heading":"Redressal of Grievance","page":21,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-6-1-8"}],"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 5, 10, 15, 20, 25, 50 or 100 Lacs (INR 5 Lakh to INR 1 Crore); the Bronze, Silver and Gold variants also offer 75 Lacs.","display":"INR 5 Lakh to INR 1 Crore (5, 10, 15, 20, 25, 50, 100 Lacs)","note":"75 Lacs is listed only for Bronze, Silver and Gold. Booster+, Safeguard and ReAssure can add cover above the Base Sum Insured.","quote":"Sum Insured options from INR 5 Lakh to INR 1 Crore. ... Base Sum Insured (INR) | 5 Lacs, 10 Lacs, 15 Lacs, 20 Lacs, 25 Lacs, 50 Lacs, 100 Lacs ... Variant | Bronze | Silver | Gold ... Base Sum Insured (INR) | 5 Lacs, 10 Lacs, 15 Lacs, 20 Lacs, 25 Lacs, 50 Lacs, 75 Lacs, 100 Lacs","sources":[{"clause":"2","heading":"Coverage Options","page":2,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/196#c-2"},{"clause":null,"heading":"Product Benefit Table","page":31,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/196#c-product-benefit-table"},{"clause":null,"heading":"Optional Benefits","page":32,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/196#c-optional-benefits"}],"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","note":"Does not apply after more than twelve months of continuous coverage; applies afresh to an enhanced sum insured.","quote":"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.","sources":[{"clause":"5.1.3","heading":"30-day waiting period","page":15,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-5-1-3"}],"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":"Optional Pre-Existing Disease Waiting Time Modification can change it to 1 year or 2 year. PED must be declared and accepted.","quote":"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. ... Options to modify PED waiting periods- 1 year or 2 year","sources":[{"clause":"5.1.1","heading":"Pre-existing Diseases (Code–Excl01)","page":14,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-5-1-1"},{"clause":null,"heading":"Optional Benefits","page":32,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/196#c-optional-benefits"}],"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":"Not applicable for Accident; Cancer covered after 30-day waiting period. A Personal Waiting Period of up to 48 months can apply to conditions specified for an Insured Person.","quote":"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-day waiting period). ... Conditions specified for an Insured Person under Personal Waiting Period will be subject to a Waiting Period of up to 48 months","sources":[{"clause":"5.1.2","heading":"Specified disease/procedure waiting period (Code- Excl02)","page":15,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-5-1-2"},{"clause":"5.2.1","heading":"Personal Waiting Period","page":17,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-5-2-1"}],"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":"Pancreatitis and stones, cataract, prostate, uterine conditions, piles and fistula, hernia, joint and spine disorders, varicose veins, benign tumours, GI ulcers, ENT surgery","note":null,"quote":"i) Pancreatitis and stones in biliary and urinary system ii) Cataract, glaucoma and retinal detachment iii) Hyperplasia of prostate, hydrocele and spermatocele iv) Prolapse uterus or cervix, endometriosis, Fibroids, Polycystic ovarian disease (PCOD), hysterectomy (unless necessitated by Malignancy) v) Hemorrhoids, fissure, fistula or abscess of anal and rectal region vi) Hernia of any site or type, vii) Osteoarthritis, joint replacement, osteoporosis, systemic connective tissue disorders, inflammatory polyarthropathies, Rheumatoid Arthritis, gout, intervertebral disc disorders, arthroscopic surgeries for ligament repair viii) Varicose veins of lower extremities ix) All internal or external benign neoplasms/ tumours, cyst, sinus, polyps, nodules, mass or lump x) Ulcer, erosion or varices of gastro intestinal tract xi) 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":"5.1.2","heading":"Specified disease/procedure waiting period (Code- Excl02)","page":15,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-5-1-2"}],"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 limits.","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":"6.1.10","heading":"Moratorium Period","page":22,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-6-1-10"}],"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. The policy can be ported to another insurer with credit for sum insured, no claim bonus, specific waiting periods, PED waiting period and moratorium; migration to another Niva Bupa product is also allowed.","display":"Yes, with waiting-period credit","note":"Subject to the acquiring insurer's underwriting. Migration within Niva Bupa under clause 6.1.12.","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.","sources":[{"clause":"6.1.13","heading":"Portability","page":23,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-6-1-13"}],"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":"Renewal can be refused for established fraud, non-disclosure or misrepresentation, or if the product is withdrawn.","quote":"There is no maximum cover ceasing age on renewals. ... A health insurance policy shall be renewable except on grounds of established fraud or non-disclosure or misrepresentation by the insured.","sources":[{"clause":"1.3","heading":null,"page":1,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/196#c-1-3"},{"clause":"6.1.3","heading":"Renewal of Policy","page":19,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-6-1-3"}],"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 loading at renewal for individual claims. But under Lock the Clock the premium stays at the entry age only until a claim is paid; after a claim the premium is charged as per current age.","display":"No claim loading; age lock ends after a claim","note":"Lock the Clock is part of ReAssure+ (Diamond+, Platinum+, Titanium+). Risk loading applied at underwriting (up to 100% per condition, 150% per individual) continues at renewals.","quote":"No loading shall apply on renewals based on individual claims experience. ... Your age is locked at entry when you buy the policy, till a claim is paid. ... Post the claim is paid, the premium charged will be as per your current age and will continue to change as per the age slabs at each renewal. ... We will never ask for more than 100% for any particular health condition and never more than 150% for any individual. c) Once applied, Risk loading continues even for all renewals.","sources":[{"clause":null,"heading":"Simplified for you","page":19,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-simplified-for-you-3"},{"clause":"4.7.2","heading":"Lock the Clock","page":8,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-4-7-2"},{"clause":"6.2.2","heading":"Additional premium (Risk Loading)","page":25,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-6-2-2"}],"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)","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 or similar establishments (Excl13)","Refractive Error less than 7.5 dioptres (Excl15)","Unproven Treatments (Excl16)","Sterility and Infertility (Excl17)","Maternity Expenses (Excl18)","Conflict & Disaster","External Congenital Anomaly","Dental treatment other than due to accidents and cancers","Unrecognized Physician or Hospital","Costs which are not Reasonable and Customary and treatments which are not Medically Necessary","Artificial life maintenance for a person declared brain dead or in vegetative state"],"display":"Standard exclusions Excl04 to Excl18 (as listed) plus the policy's own specific exclusions","note":"The wording prints Excl13 detached from its text (clauses 5.1.12 and a separate 'Excl13' line); the prospectus joins them. Optional Claim Safeguard/Safeguard+ pays Annexure I non-payable items.","quote":"Investigation & Evaluation (Code-Excl04) ... Rest Cure, rehabilitation and respite care (Code-Excl05) ... Obesity/ Weight Control (Code-Excl06) ... 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 ... Excl13 ... Refractive Error (Code-Excl15) ... refractive error less than 7.5 dioptres ... Unproven Treatments (Code-Excl16) ... Sterility and Infertility (Code-Excl17) ... Maternity Expenses (Code-Excl18) ... Conflict & Disaster ... External Congenital Anomaly ... All dental treatments other than due to accidents and cancers. ... Unrecognized Physician or Hospital ... Costs which are not Reasonable and Customary and treatments which are not Medically Necessary. ... Artificial life maintenance for the Insured Person who has been declared brain dead or in vegetative state.","sources":[{"clause":"5.1.4","heading":"Investigation & Evaluation (Code-Excl04)","page":16,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-5-1-4"},{"clause":"5.1.5","heading":"Rest Cure, rehabilitation and respite care (Code-Excl05)","page":16,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-5-1-5"},{"clause":"5.1.6","heading":"Obesity/ Weight Control (Code-Excl06)","page":16,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-5-1-6"},{"clause":"5.1.7","heading":"Cosmetic or plastic Surgery (Code-Excl08)","page":16,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-5-1-7"},{"clause":"5.1.8","heading":"Hazardous or Adventure sports (Code-Excl09)","page":16,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-5-1-8"},{"clause":"5.1.9","heading":"Breach of law (Code-Excl10)","page":16,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-5-1-9"},{"clause":"5.1.10","heading":"Excluded Providers (Code-Excl11)","page":17,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-5-1-10"},{"clause":"5.1.11","heading":"Treatment for, alcoholism, drug or substance abuse or any addictive condition and consequences thereof.","page":17,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-5-1-11"},{"clause":"5.1.12","heading":null,"page":17,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-5-1-12"},{"clause":"Excl13","heading":null,"page":17,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-excl13"},{"clause":"5.1.13","heading":"Refractive Error (Code-Excl15)","page":17,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-5-1-13"},{"clause":"5.1.14","heading":"Unproven Treatments (Code-Excl16)","page":17,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-5-1-14"},{"clause":"5.1.15","heading":"Sterility and Infertility (Code-Excl17)","page":17,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-5-1-15"},{"clause":"5.1.16","heading":"Maternity Expenses (Code-Excl18)","page":17,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-5-1-16"},{"clause":"5.2.2","heading":"Conflict & Disaster","page":17,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-5-2-2"},{"clause":"5.2.3","heading":"External Congenital Anomaly","page":18,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-5-2-3"},{"clause":"5.2.4","heading":"Dental treatment","page":18,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-5-2-4"},{"clause":"5.2.5","heading":"Unrecognized Physician or Hospital","page":18,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-5-2-5"},{"clause":"5.2.6","heading":null,"page":18,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-5-2-6"},{"clause":"5.2.7","heading":null,"page":18,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-5-2-7"}],"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 any time with 7 days' written notice. For terms up to one year with no claim, proportionate premium for the unexpired period is refunded; for longer terms, premium for policy years whose cover has not started is refunded. No refund if a claim has been paid.","display":"Proportionate refund if no claim; nothing if a claim was paid","note":null,"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: a) 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. b) 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. ... We will NOT refund any premium if we have paid a claim.","sources":[{"clause":"6.1.2","heading":"Cancellation","page":19,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-6-1-2"},{"clause":null,"heading":"Simplified for you","page":19,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-simplified-for-you-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: allopathic and AYUSH treatment taken in India; claims payable in India in Indian Rupees.","display":"India only","note":null,"quote":"This Policy covers Allopathic and AYUSH treatments taken in India ONLY. ... All claims shall be payable in India in Indian Rupees only.","sources":[{"clause":"1","heading":"Preamble","page":1,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-1"},{"clause":"6.2.6","heading":"Territorial Jurisdiction","page":27,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-6-2-6"}],"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":"Not on renewals. Refund less proportionate risk premium, medical examination and stamp duty costs, if no claim made.","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. ... Free look is a 30 days period","sources":[{"clause":"6.1.1","heading":"Free Look Period","page":19,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-6-1-1"},{"clause":null,"heading":"Simplified for you","page":19,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-simplified-for-you"}],"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 for monthly instalments.","quote":"Grace Period of 30 days in all types of policies, and a period of 15 days in case of monthly instalments.","sources":[{"clause":"6.1.17","heading":"Premium Payment in Instalments","page":24,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-6-1-17"}],"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":"Adults 18 to 99 years; dependent children 91 days to 30 years.","display":"Adults 18 to 99 years; children 91 days to 30 years","note":"From the prospectus.","quote":"The minimum entry age for adult is 18 years and for dependent child is 91 days. The maximum entry age limit for adults in this product is 99 years. The maximum entry age allowed for dependent child is 30 years.","sources":[{"clause":"1.2","heading":null,"page":1,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/196#c-1-2"}],"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 discount is not given for monthly, half-yearly or quarterly instalments.","quote":"renewed within the Grace Period of 30 days (annual installment) ... lf the insured person has opted for Payment of Premium on an instalment basis i.e. Half Yearly, Quarterly or Monthly","sources":[{"clause":null,"heading":"Simplified for you","page":19,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-simplified-for-you-3"},{"clause":"6.1.17","heading":"Premium Payment in Instalments","page":24,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-6-1-17"}],"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":["Hospital Cash","Personal Accident","Safeguard","Safeguard+","Co-payment","Pre-Existing Disease Waiting Time Modification","Room Type Modification","Annual Aggregate Deductible"],"display":"Hospital Cash, Personal Accident, Safeguard, Safeguard+, Co-payment, PED Waiting Time Modification, Room Type Modification, Annual Aggregate Deductible","note":"Co-payment, PED Waiting Time Modification, Room Type Modification and Deductible reduce or change cover. Only one of Safeguard or Safeguard+ can be chosen.","quote":"Optional Benefits ... Hospital Cash | ... Personal Accident | ... Safeguard | ... Safeguard+ | ... Co-payment | ... Pre-Existing Disease Waiting Time Modification | ... Room Type Modification | ... Annual Aggregate Deductible |","sources":[{"clause":null,"heading":"Optional Benefits","page":32,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/196#c-optional-benefits"}],"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":"Cover is given during the grace period only for policies paid in instalments; otherwise coverage need not be available for the period with no premium.","display":"Covered only if premium is paid in instalments","note":null,"quote":"For policies where premium is paid in instalments only, the coverage will be given during grace period. ... Coverage need not be available during the period for which no premium is received.","sources":[{"clause":"6.1.17","heading":"Premium Payment in Instalments","page":24,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-6-1-17"},{"clause":"2.1.15","heading":"Grace Period","page":2,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-2-1-15"}],"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":"cross-checked","value":"No room rent limit: any room may be chosen. With the optional Room Type Modification, the room is limited to a Single Private Room or a Sharing Room.","display":"No limit (choose any room)","note":"A shared-room cash benefit is paid if a shared room is chosen.","quote":"We don’t limit your choice. Choose the room you like, but choose judiciously to protect your Sum Insured. ... You may choose between a Single Private Room and a Sharing Room based on your needs. ... If you opt for a shared room (for which hospitalization claim is paid), we will pay an additional amount for each day’s hospitalization.","sources":[{"clause":"4.2.1","heading":null,"page":6,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-4-2-1"},{"clause":"4.21","heading":"Room Type Modification","page":14,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-4-21"},{"clause":"4.11","heading":"Shared accommodation Cash Benefit","page":12,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-4-11"}],"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":"cross-checked","value":"Any room by default; Single Private Room or Sharing Room if the optional Room Type Modification is chosen.","display":"Any room","note":"Room Type Modification is optional.","quote":"We don’t limit your choice. Choose the room you like ... You may choose between a Single Private Room and a Sharing Room based on your needs.","sources":[{"clause":"4.2.1","heading":null,"page":6,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-4-2-1"},{"clause":"4.21","heading":"Room Type Modification","page":14,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-4-21"}],"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 is paid up to the Base Sum Insured, whatever room type is chosen.","display":"Up to Base Sum Insured","note":null,"quote":"Irrespective of the Room type you choose, ICU admission will always be paid up to Base Sum Insured.","sources":[{"clause":"4.21","heading":"Room Type Modification","page":14,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-4-21"}],"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 a room above the eligible room category (for example under Room Type Modification) is taken, associated medical expenses are paid pro rata.","display":"Yes, if a room above the eligible category is chosen","note":"Associated Medical Expenses include Room Rent, nursing charges, Medical Practitioners' fees and operation theatre charges. By default there is no room limit, so it matters mainly with Room Type Modification.","quote":"If you choose a room category higher than the room category available under your policy or as opted by you, claim settlement/ payment may be subject to proportionate deductions on eligible medical expenses ... (Eligible Room Rent limit / Room Rent actually incurred) * total Associated Medical Expenses","sources":[{"clause":"4.21","heading":"Room Type Modification","page":14,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-4-21"},{"clause":"6.2.4(d)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-6-2-4-d"}],"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":"None unless the optional co-payment is chosen.","display":"None unless opted","note":"Optional co-payment of 20% / 30% / 40% / 50% (for a lower premium). Does not apply to health check-up, Live Healthy, second opinion, shared accommodation cash, e-consultation, PA or hospital cash.","quote":"Co-payment | • Co-payment Options of 20% / 30% / 40% / 50% ... Co-payment will NOT apply to Annual Health Check-up, Live Healthy, Second Medical Opinion, Shared Accommodation Cash, e-consultation, Personal Accident, Hospital Daily Caswh benefits.","sources":[{"clause":null,"heading":"Optional Benefits","page":32,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/196#c-optional-benefits"},{"clause":"4.19","heading":"Co-Payment","page":14,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-4-19"}],"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":"None unless the optional Annual Aggregate Deductible is chosen.","display":"None unless opted","note":"Optional annual aggregate deductible of INR 10,000 / 20,000 / 30,000 / 50,000 / 1,00,000.","quote":"Annual Aggregate Deductible | • NR 10,000 / INR 20,000 / INR 30,000 / INR 50,000 / INR 1,00,000","sources":[{"clause":null,"heading":"Optional Benefits","page":32,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/196#c-optional-benefits"}],"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":["Cataract: only Mono-focal Lens for Sum Insured up to 10 lacs"],"display":"Cataract: mono-focal lens only for sum insured up to 10 lacs","note":"No rupee caps on named illnesses or treatments are printed.","quote":"Cataract: We will pay only for Mono-focal Lens for Sum Insured up to 10 lacs.","sources":[{"clause":"4.2.1","heading":null,"page":6,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-4-2-1"}],"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":"Covered up to Sum Insured, if related to the paid hospitalization claim.","quote":"diagnostic tests for 60 days before the date of admission and 180 days after date of discharge","sources":[{"clause":"4.3","heading":"Expenses before and after hospitalization (Pre & Post hospitalization)","page":6,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-4-3"}],"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":"Covered up to Sum Insured, if related to the paid hospitalization claim.","quote":"diagnostic tests for 60 days before the date of admission and 180 days after date of discharge","sources":[{"clause":"4.3","heading":"Expenses before and after hospitalization (Pre & Post hospitalization)","page":6,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-4-3"}],"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":"Admissions of 2 hours or more are covered under hospitalisation expenses (24 hours minimum for AYUSH).","display":"Covered for admissions of 2 hours or more","note":"Admissions where only investigations are done (MRI, CT Scan, Endoscopy) are not paid.","quote":"Admitted for 2 hours or more (minimum 24 hours for AYUSH treatment in a AYUSH Hospital) ... We will NOT pay, even if you were hospitalized, if there was no treatment and only investigations were done. Examples: MRI, CT Scan, Endoscopy, Colonoscopy etc.","sources":[{"clause":"4.2.1","heading":null,"page":6,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-4-2-1"}],"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":"Home Care / Domiciliary Treatment is covered up to Sum Insured when a medical practitioner advises treatment at home, with daily monitoring.","display":"Covered up to Sum Insured","note":"Needs continuous active line of treatment and a daily monitoring chart; medical and ambulatory devices used at home are not paid. Peritoneal dialysis and chemotherapy at home are paid.","quote":"Home Care/ Domiciliary | Covered up to Sum Insured ... The medical practitioner advices the insured person to undergo treatment at home ... There is continuous active line of treatment with monitoring of health status by a medical practitioner for each day through the duration of the home care treatment ... We pay for peritoneal dialysis, Chemotherapy taken at home. • We do NOT pay for any Medical & ambulatory devices used at home","sources":[{"clause":null,"heading":"Benefits","page":31,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/196#c-benefits"},{"clause":"4.4.1","heading":"The medical practitioner advices the insured person to undergo treatment at home","page":6,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-4-4-1"},{"clause":"4.4.2","heading":null,"page":6,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-4-4-2"},{"clause":"4.4.3","heading":null,"page":6,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-4-4-3"}],"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":"In-patient AYUSH treatment in an AYUSH Hospital is payable up to the sum insured in the schedule, with at least 24 hours admission; Yoga and Naturopathy need prior approval.","display":"Covered up to sum insured (24 hours minimum)","note":null,"quote":"Medical Expenses for in-patient Hospitalization incurred on treatment under Ayurveda, Yoga, and Naturopathy, Unani, Siddha and Homeopathy systems of medicines in an AYUSH Hospital is payable up to the sum assured as specified in the policy schedule. Claims under Yoga and Naturopathy system of treatment will be payable subject to prior approval from the Company. • Admitted for 2 hours or more (minimum 24 hours for AYUSH treatment in a AYUSH Hospital)","sources":[{"clause":"4.2.1","heading":null,"page":6,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-4-2-1"}],"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":"Listed modern treatments (UAE and HIFU, immunotherapy, prostate vaporisation, stem cell therapy, balloon sinuplasty, oral chemotherapy, robotic surgeries, stereotactic radio surgeries, deep brain stimulation, intra vitreal injections, bronchial thermoplasty, IONM) are covered up to Sum Insured.","display":"Covered up to Sum Insured","note":null,"quote":"1. Uterine Artery Embolization and HIFU (High intensity focused ultrasound) | 2. Immunotherapy- Monoclonal Antibody to be given as injection | 3. Vaporisation of the prostrate (Green laser treatment or holmium laser treatment) | 4. Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions 5. Balloon Sinuplasty | 6. Oral Chemotherapy | 7. Robotic surgeries | 8. Stereotactic radio Surgeries 9. Deep Brain stimulation | 10. Intra vitreal injections | 11. Bronchical Thermoplasty | 12. IONM - (Intra Operative Neuro Monitoring) ... Modern Treatments: Covered up to Sum Insured","sources":[{"clause":"4.2.2","heading":"We pay for Modern treatments as specified below","page":6,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-4-2-2"},{"clause":null,"heading":"Benefits","page":31,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/196#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":"Donor's hospitalization expenses for harvesting the organ are paid up to Sum Insured, only when the insured's hospitalisation claim is paid.","display":"Covered up to Sum Insured","note":null,"quote":"If you ever undergo an organ transplant, we will pay the hospitalization expenses of the donor for harvesting the organ, ONLY when your Hospitalisation claim is paid. ... Organ Donor | Covered up to Sum Insured","sources":[{"clause":"4.5","heading":"Organ donor","page":7,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-4-5"},{"clause":null,"heading":"Benefits","page":31,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/196#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 Sum Insured; air ambulance only in emergency, up to INR 2,50,000 per hospitalization.","display":"Road up to Sum Insured; air up to INR 2,50,000 per hospitalization","note":"Paid only if the hospitalization claim is paid; a registered provider must be used.","quote":"Road Ambulance: We will pay you up to Sum Insured. ... Air Ambulance: Only in case of Emergency. Maximum INR 2,50,000 per hospitalization. Note: This will be paid only if claim for hospitalization is paid by us.","sources":[{"clause":"4.1.1","heading":"Road Ambulance","page":5,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-4-1-1"},{"clause":"4.1.2","heading":"Air Ambulance","page":5,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-4-1-2"}],"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":"ReAssure Forever: the first paid claim triggers unlimited reinstatement of sum insured that stays for life if renewed without break; each claim under it is paid up to the Base Sum Insured.","display":"Unlimited, up to Base Sum Insured per claim","note":"ReAssure+ (with Lock the Clock) for Diamond+, Platinum+, Titanium+; ReAssureX for Bronze+, Silver+, Gold+ and Bronze, Silver, Gold, with the same unlimited trigger. Whether it applies to the same illness is not stated separately.","quote":"ReAssure “Forever”: Enjoy unlimited Sum Insured. The first paid claim in the life of the policy triggers ReAssure “Forever”. Once Triggered it stays for life, provided that the policy is renewed without break. ... Maximum amount ReAssure+ pays for any single claim is up to Base Sum Insured.","sources":[{"clause":"4.7.1","heading":"ReAssure “Forever”","page":7,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-4-7-1"}],"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":"Booster+: unutilised Base Sum Insured carries forward to the next policy year, up to 3, 5 or 10 times the Base Sum Insured depending on the variant.","display":"Unutilised sum insured carries forward, up to 3X/5X/10X","note":"3X: Diamond+, Bronze+; 5X: Platinum+, Silver+; 10X: Titanium+, Gold+ (product benefit table). Optional Booster+ Safeguard keeps Booster+ unaffected by claims up to INR 50,000 (1,00,000 with Safeguard+) a year.","quote":"Unutilized Base Sum Insured carries forward. Maximum it will accumulate up to 3/5/10 times (based on the plan you have chosen) of the Base Sum Insured. ... Booster+ | 3X: Unutilized Base Sum Insured carries forward to the next policy year, maximum up to 3 times. | 5X: Unutilized Base Sum Insured carries forward to the next policy year, maximum up to 5 times. | 10X: Unutilized Base Sum Insured carries forward to the next policy year, maximum up to 10 times. ... Booster+ Safeguard: Booster+ will not be impacted if the total claim in a policy year is up to INR 50,000 ... Booster+ Safeguard+: Booster+ will not be impacted if the total claim in a policy year is up to INR 1,00,000.","sources":[{"clause":"4.9","heading":"Booster+","page":9,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-4-9"},{"clause":null,"heading":"Benefits","page":31,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/196#c-benefits"},{"clause":"4.16.2","heading":"Booster+ Safeguard","page":13,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-4-16-2"},{"clause":"4.17.2","heading":"Booster+ Safeguard+","page":13,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-4-17-2"}],"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 paid in the base cover (Annexure I items such as gloves and masks are not covered); the optional Claim Safeguard pays List I items and Claim Safeguard+ pays Lists I to IV.","display":"Not covered unless Safeguard or Safeguard+ is opted","note":"Reasonable and Customary Charges still apply.","quote":"Claim Safeguard: We will cover non-payable items mentioned in ‘List I – Expenses not covered’ of Annexure I’. ... Claim Safeguard+: We will cover non-payable items mentioned in ‘List I,II,III,IV of Annexure I’. ... The expenses that are not covered or subsumed into room charges / procedure charges / costs of treatment are placed as Annexure I.","sources":[{"clause":"4.16.1","heading":"Claim Safeguard","page":13,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-4-16-1"},{"clause":"4.17.1","heading":"Claim Safeguard+","page":13,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-4-17-1"},{"clause":"6.2.4(c)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-6-2-4-c"}],"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 expenses, miscarriage (unless due to Accident) and medical termination of pregnancy are excluded (except ectopic pregnancy).","display":"Not covered","note":"Excl18.","quote":"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":"5.1.16","heading":"Maternity Expenses (Code-Excl18)","page":17,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-5-1-16"}],"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. Dependent children can be covered from 91 days of age (prospectus 1.2).","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":"The documents do not mention mental illness treatment.","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":"Annual health check-up once every policy year from day 1, cashless only through the app, for a defined list of tests up to INR 500 per INR 1 Lac Base Sum Insured (maximum INR 5,000 per insured, INR 10,000 per floater policy).","display":"Every year from day 1; INR 500 per INR 1 Lac sum insured (max INR 5,000 individual, INR 10,000 floater)","note":"Unused amount is not carried forward.","quote":"Available once every Policy Year, from day 1 of the policy. ... This benefit is available ONLY on cashless and no re-imbursement is allowed. ... For defined list of tests; up to INR 500 for every INR 1 Lac Base Sum Insured. (Individual: Maximum INR 5,000 per Insured; Family Floater: Maximum INR 10,000 per policy). ... Unutilized amount will not be carried forward to next policy year.","sources":[{"clause":"4.6","heading":"Annual Health Checkup","page":7,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-4-6"},{"clause":null,"heading":"Benefits","page":31,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/196#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":"Unlimited e-consultations with partners are included; no other out-patient consultation, test or medicine cover is described.","display":"Unlimited e-consultations","note":"No cover for in-person OPD visits, tests or medicines is described.","quote":"You can take Unlimited e-consultations from our Partners. ... e-consultation | Unlimited e-consultation within our network","sources":[{"clause":"4.13","heading":"e-Consultation","page":12,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-4-13"},{"clause":null,"heading":"Benefits","page":31,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/196#c-benefits"}],"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 depends on the residential city: Zone 1 (Delhi NCR, Mumbai incl. Navi Mumbai and Thane, Kolkata, Gujarat) and Zone 2 (rest of India).","display":"Yes, 2 zones by residential city","note":"No zone-based co-payment is mentioned.","quote":"For the purpose of calculating premium, the country has been divided into the following 2 zones: ... a) Zone 1: Delhi NCR, Mumbai (including Navi Mumbai and Thane), Kolkata and Gujarat State. ... b) Zone 2: Rest of India Your premium depends upon your residential city.","sources":[{"clause":"6.2.8","heading":"Zonal pricing","page":27,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-6-2-8"},{"clause":"6.2.8(a)","heading":"Zone 1","page":27,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-6-2-8-a"},{"clause":"6.2.8(b)","heading":"Zone 2","page":27,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-6-2-8-b"}],"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":"Cashless at network hospitals; the wording also offers Cashless Everywhere, including hospitals not in the network.","display":"Yes, at network hospitals and Cashless Everywhere","note":"The wording says both 'network hospitals ONLY' and 'Cashless Everywhere'; see website for the process.","quote":"Cashless claim facility is available at our network hospitals ONLY. ... We offer Cashless Everywhere, even in hospitals which are not part of our network.","sources":[{"clause":"6.2.4(a)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-6-2-4-a"},{"clause":"6.2.4(e)(ii)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-6-2-4-e-ii"}],"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":"The insurer (Niva Bupa) grants cashless pre-authorisation and settles claims; no TPA is named.","display":"Insurer","note":"No third-party administrator is mentioned.","quote":"Grant of initial pre-authorization by the Company will be based on the information and documents made available at the time of processing of the request ... The Company shall settle or reject a claim, as the case may be, within 15 days from the claim submission date.","sources":[{"clause":"6.2.4(e)(iii)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-6-2-4-e-iii"},{"clause":"6.1.9(i)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195#c-6-1-9-i"}],"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":"Up to 6 members in a single policy.","quote":"ReAssure 2.0 can be issued to individual customer(s) or to a family with up to 5 children (refer to as family floater). ... In an Individual policy and a family floater, maximum up to 6 members can be included in a single policy.","sources":[{"clause":"1.1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/196#c-1-1"},{"clause":"1.5","heading":null,"page":1,"url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/196#c-1-5"}],"law":[]}],"documents":[{"kind":"wording","label":"ReAssure 2.0 Policy Wording","pages":34,"fetched_at":"2026-10-16 07:11:43.821126+00","source_url":"https://transactions.nivabupa.com/pages/doc/policy_wording/ReAssure-2.0-Policy-Wording.pdf?v=1.8","url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/195"},{"kind":"prospectus","label":"ReAssure 2.0 Prospectus cum Sales Literature","pages":34,"fetched_at":"2026-10-16 07:11:43.821126+00","source_url":"https://transactions.nivabupa.com/pages/doc/prospectus/ReAssure-2.0-Prospectus-cum-Sales-Literature.pdf?v=1.10","url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/196"},{"kind":"cis","label":"ReAssure 2.0","pages":11,"fetched_at":"2026-10-16 07:11:43.821126+00","source_url":"https://transactions.nivabupa.com/pages/doc/Customer-Information/CIS_ReAssure-2-0.pdf","url":"https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627/document/197"}],"versions":[],"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 2.0 (UIN NBHHLIP27054V032627), IndiaInsurances, https://indiainsurances.com/policy/niva-bupa-health-insurance/reassure-2-0-nbhhlip27054v032627"}