How ReAssure 2.0 + Claim Promise = Maximum Benefits with Zero Stress

Health insurance is no longer just a safety net anymore; it is now a financial planning imperative. Niva Bupa's ReAssure 2.0 policy with the innovative Claim Promise feature is an all-encompassing solution that promises maximum benefits with minimal stress. This winning combination is designed to provide policyholders with maximum cover, financial security, and peace of mind.

Understanding ReAssure 2.0

ReAssure 2.0 is a top-up health insurance policy that extends beyond the minimum cover. It offers comprehensive cover, including hospitalisation fees, outpatient procedures, laboratory tests, and medicine. The policy is designed to cater to the evolving health needs of individuals and households and offers policyholders maximum protection against a broad spectrum of medical bills.

Key Features

• Full Coverage: Covers the expense of hospitalisation, outpatient procedures, diagnostic procedures, and medications.
• Flexibility in Coverage: Allows policyholders to customise their plans according to individual requirements.
• Lifelong Renewability: Offers round-the-clock cover year upon year.
• Booster+ Benefit: Avails unused base sum insured for carry-forward into the next policy year, and this can accumulate up to 10 times the base sum insured in the long run.
• ReAssure Forever: Provides unlimited reinstatement of the amount assured for any disease or person in the same policy year, initiated after the initial claim.
• Lock the Clock: Maintains premiums linked to the age at which the policy was originally bought, as you age, until the time when a claim is made.

The Promise of Claim Power

Niva Bupa's Claim Promise benefit is an evolutionary step. With this feature, we promise no deductions on claims for pre-planned, non-emergency procedures received under the cashless mode in-network hospitals. The no-deduction benefit promises that your hospital bills will be paid in full, free from surprise out-of-pocket expenses.

How does it work?

• Pre-Authorisation: In case of planned treatments, call Niva Bupa at 1860-500-8888 to get a network hospital referral.
• Cashless Treatment: Get treated at the recommended network hospital in a cashless mode.
• Full Settlement: Your claim is settled in full without deduction according to the terms of the policy.

The extra advantage can be availed for policies of a sum assured of INR 10 Lacs or more with Safeguard+ included.

Enhancing Coverage with Safeguard+

The ReAssure safeguard benefits add-on complements the ReAssure 2.0 plan by providing greater protection to policyholders. It features an annual increase in coverage as per the inflation rate, so your sum insured keeps pace with increasing medical expenses. It also covers non-payable items specified in Annexure 1 (Lists 1, 2, 3, and 4), which spares you from out-of-pocket expenses when you are hospitalised.ReAssure safeguard benefits also safeguard your Booster+ benefits against low-value claims up to INR 1,00,000, so your unused sum insured does not get depleted for future requirements.

Full Benefits to Avail Complete Coverage

ReAssure 2.0, along with Claim Promise and Safeguard+, provides a range of benefits aimed at providing complete health cover:

• Pre and Post-Hospitalisation Cover: Provides cover for the costs incurred 60 days prior to and 180 days subsequent to hospitalisation, bringing complete financial protection in the treatment and recuperation phase.
• Day-Care Treatment Coverage: Complete coverage for treatment like dental, ENT, and others, to extend full care.
• Home Treatment Coverage: Financing for treatment given safely at home, eliminating or reducing the need for hospitalisation in certain cases.
• Organ Transplant Coverage: Financing your treatment and the treatment of the organ donor, providing life-saving treatments to those in need.
• Emergency Ambulance Services: Reimbursement of road or air ambulance charges to reach the hospital early in emergency conditions.
• Annual Health Check-Up: Offers an annual health check-up from the policy start, promoting early diagnosis and preventive treatment of medical ailments.
• Live Healthy Programme: Offers a maximum of 30% discount at renewal on the basis of healthy lifestyle behaviour tracked by the Niva Bupa Health App.
• Tax Benefits: Take the tax benefits under Section 80D, reducing premiums and keeping your health.

Smooth Claims Process

Filing a claim under ReAssure 2.0 is easy:

• Notification: Notify Niva Bupa of the intended treatment and obtain a referral for a networked hospital.
• Documentation: Provide the pre-authorisation necessary documents.
• Treatment: Get treated at the network hospital as instructed on a cashless basis.
• Settlement: Your claim is settled in full without deduction, as per the terms of the policy.

The simple process ensures timely support and cultivates customer loyalty.

Experience a Stress-free Health Insurance Experience

In the world today, where health and financial security are the most sought-after priorities, ReAssure 2.0 with Claim Promise is an end-to-end solution that delivers the maximum benefit with the least stress. With the advantage of full cover added, innovative features such as no deduction policy, and the convenience of planned treatment insurance, this policy ensures that you and your loved ones are appropriately protected from any unexpected medical bills. With the advantage of ReAssure safeguard+ benefits added, you can rest assured that your health insurance policy evolves as your needs evolve, providing peace of mind and financial security.

People Also Ask

Q1: What is the Claim Promise feature in ReAssure 2.0 with claim promise?

The Claim Promise offers no claim deductions for pre-scheduled, non-emergency procedures that are conducted in a cashless mode at network hospitals. It is available on policies with a sum insured of INR 10 Lacs and above with Safeguard+, and hence, you receive your hospital bills reimbursed in full.

Q2: Which patients are indicated for the Safeguard+ add-on?

Safeguard+ can be opted for ReAssure 2.0 policies with a sum insured of INR 10 Lacs and more. Benefits are in the form of coverage of non-payable items, cover increment every year based on inflation, and Booster+ benefits.

Q3: What conditions are addressed by ReAssure 2.0? 

ReAssure 2.0 covers hospitalisation (2 hours and more), costs before and after hospitalisation, home care units, organ transplantations, day-care treatments, emergency ambulance, and new additions such as robot-assisted surgery (with sub-limits). 

Q4: Can I claim tax relief with ReAssure 2.0? 

Yes, ReAssure 2.0 premiums are tax deductible under Section 80D, and you can save tax while safeguarding your well-being.