Health Insurance 5550 views August 22, 2020

Health insurance plans have become a basic necessity for many individuals because of the day-to-day rise in medical expenses. But the key lies in having a plan with a high sum assured to accommodate the medical inflation adequately. So, buying Niva Bupa ReAssure health plan in which you can take a Sum Assured of up to Rs.1 Crore could meet such concerns. On the other hand, you can secure up to 6 family members under the same health insurance plan. Your sum assured will also increase if you don’t make any claim in a year. So, let’s explore the key features of this insurance plan.

Health Insurance

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Key Features of ReAssure Health Plan

  1. Choose the Sum Assured as per your choice.
  2. Major surgeries are also covered in this insurance plan.
  3. Enjoy a discount of up to 30% on the premium in case of renewal of the policy.
  4. This plan includes unlimited reinstatement up to the base sum assured.
  5. The sum assured will increase if you don’t make any claim in a year.
  6. Get a cashless facility at the network hospitals of Niva Bupa.
  7. AYUSH Treatments are also covered in this insurance plan.
  8. Get tax deduction under section 80C of the Income Tax Act 1961.

Benefits of the ReAssure Health Plan

Now, you must go through the various benefits of this insurance plan and see the things that are covered under it.

In-Patient Cover

All the family members who are insured under the plan will get a cashless facility at the network hospitals of Niva Bupa if in case they are hospitalized. This facility will be cashless and all the payment will be made directly to the hospital. It will allow you to spend time with the insured in such hard times.

Domiciliary Treatment Cover

Sometimes the doctor also advises the insured to stay at home and continue the treatment of the health disease so these expenses will also be reimbursed in this insurance plan. The doctor advises to stay at home and continue the treatment when there is the unavailability of beds in the hospital.

Pre and Post Hospitalization Benefits

The company will cover all the expenses done prior to 60 days of hospitalization and the expenses done in 90 days post-hospitalization. So, your pre-hospitalization and post-hospitalization expenses will be covered in the Niva Bupa ReAssure Health insurance plan.

AYUSH Treatment Reimbursement

AYUSH stands for Ayurveda, Unani, Siddhi, and Homeopathy treatments. So, if in case you are taking any such treatment then the expenses related to it are also covered in this policy. In the AYUSH treatment, the in-patient expenses or any other expenses will also be covered.

Organ Donor’s Cover

The organ transplant surgery and the expenses of the surgery like the donor’s expenses will be covered in this insurance plan. The maximum amount covered will be up to the amount of the sum assured.

Ambulance Cover

If your in-patient claim is accepted then you can take the reimbursement of the ambulance expenses as well. In simple words, the company will cover the cost of the ambulance expenses as well, incurred during hospitalization.

Free Health Check-up

Every family member will get a free health check-up starting from day one. It means that the health check will be given to the insured member from the next day after the inception of the policy.

No Claim Bonus

The company will give you no claim bonus by 50% of the Sum Assured every year if you haven’t made any claim. The value of the sum assured will increase by 50% every year and the sum assured will be doubled after two claim-free years. In the case of a claim, the sum assured could decrease by 50%.

Coverage for Alternative Treatment

The plan covers alternative treatment such as Ayurvedic, Unani, Siddha and Homeopathic treatments.

Discounts on Premiums

In the ReAssure Health Plan, you will get a discount of up to 30% on the premiums at the time of renewal. This discount will only be given at the time renewal of the policy.

Add-on Benefits

There are some optional benefits in this plan that you can add to this policy at the time of inception. You can add these benefits as per your requirement but they are not mandatory to add.

  1. Personal Accident Cover
  2. Hospital Cash
  3. Safeguard

Details of the Niva Bupa ReAssure Health Plan

DetailsParticulars
Maximum No. of Members6 Adults
Minimum Amount of Sum AssuredRs.3 Lacs
Maximum Amount of Sum AssuredRs.1 Crore
Minimum Amount of PremiumRs.9111 per year
Health Check-upHealth Check-up

Exclusions of the Health Insurance Plan

  1. Treatment done during the first 30 days of the plan will not be covered, unless the treatment is done for an accident.
  2. Pre-existing diseases will be covered after a waiting period of 3 years.
  3. 2 years of exclusion for specified disease/procedures like cataract, pancreatitis, chronic kidney disease, hernia, internal congenital anomaly, spinal disorder, etc.
  4. Investigation & Evaluation, OPD treatment.
  5. Unproven Treatments, Unrecognized Physician, or Hospital.
  6. Breach of law, Conflict & Disaster, Excluded Providers.
  7. Hazardous or Adventure sports.
  8. Change-of-Gender treatments, Hormone Replacement Therapy, Cosmetic or Plastic Surgery.
  9. Sleep disorders, treatment for alcoholism, drug or substance abuse, or any addictive condition.
  10. Dental/oral treatment.
  11. Sterility and Infertility, Maternity Expenses.
  12. Circumcision, External Congenital Anomaly.
  13. Sexually transmitted Infections & diseases (other than HIV / AIDS).
  14. Any treatment or medical services received outside the geographical limits of India
  15. Intentional self-inflicted injury or attempted suicide, Neuro-developmental delays and disorders, Mental retardation.

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