Niva Bupa ReAssure 2.0 All Variants Comparisons – Comprehensive Guide

Until then, the most popular Health Insurance Plan of Niva Bupa 2.0 offers multiple variants with unique features and benefits. In this plan, the Insurance Company offers the “Lock the Clock” till the claim arises, which means if we enter at any age our health insurance premium will remain the same till any claim after the policyholder pays the premium amount of that particular age, sum insured, medical history and family size.

It seems very emotional and impacted features introduced by the company. So, this is not only a single feature but Modern Health Insurance has many more features and benefits that it offers to its customers. Today we compare all the variants of “Niva Bupa ReAssure 2.0” so that we can choose any of the variants as per our needs.

Sr.No.	Features & Benefits	Bronze +	Silver+	Gold +	Diamond+	Platinum +	Titanium +
1.	Entry Age Adults	18 years to 65 Years	18 years to 65 Years	18 years to 65 Years	18 years to 65 Years	18 years to 65 Years	18 years to 65 Years
2.	Entry Age Child	91 Days to 30 Years & Min 5 Years for Individual	91 Days to 30 Years & Min 5 Years for Individual	91 Days to 30 Years & Min 5 Years for Individual	91 Days to 30 Years & Min 5 Years for Individual	91 Days to 30 Years & Min 5 Years for Individual	91 Days to 30 Years & Min 5 Years for Individual
3.	Policy Type	Individual /Multi-Individual & Family Floater	Individual /Multi-Individual & Family Floater	Individual /Multi-Individual & Family Floater	Individual /Multi-Individual & Family Floater	Individual /Multi-Individual & Family Floater	Individual /Multi-Individual & Family Floater
4	Tenure	1/2/3 Years	1/2/3 Years	1/2/3 Years	1/2/3 Years	1/2/3 Years	1/2/3 Years
5	Family Definition	Sel+Spouse and 5 Dependents Childs upto 30 Years	Sel+Spouse and 5 Dependents Childs upto 30 Years	Sel+Spouse and 5 Dependents Childs upto 30 Years	Sel+Spouse and 5 Dependents Childs upto 30 Years	Sel+Spouse and 5 Dependents Childs upto 30 Years	Sel+Spouse and 5 Dependents Childs upto 30 Years
6	Premium Type	Age Banded and Lock the Clock	Age Banded and Lock the Clock	Age Banded and Lock the Clock	Age Banded and Lock the Clock	Age Banded and Lock the Clock	Age Banded and Lock the Clock
7	Premium 2  Zones	Zone -2 : Metro & Non-Metro	Zone -2 : Metro & Non-Metro	Zone -2 : Metro & Non-Metro	Zone -2 : Metro & Non-Metro	Zone -2 : Metro & Non-Metro	Zone -2 : Metro & Non-Metro
8	Relationship Cover	Self, spouse, mother, father, mother-in-law, father-in-law, son, daughter, employer, employee	Self, spouse, mother, father, mother-in-law, father-in-law, son, daughter, employer, employee	Self, spouse, mother, father, mother-in-law, father-in-law, son, daughter, employer, employee	Self, spouse, mother, father, mother-in-law, father-in-law, son, daughter, employer, employee	Self, spouse, mother, father, mother-in-law, father-in-law, son, daughter, employer, employee	Self, spouse, mother, father, mother-in-law, father-in-law, son, daughter, employer, employee
9	Basic Sum Insured	10 Lakh to 1 Cr	10 Lakh to 1 Cr	10 Lakh to 1 Cr	10 Lakh to 1 Cr	10 Lakh to 1 Cr	10 Lakh to 1 Cr
10	Room Rent	Single Pvt Room & Shared Room	Single Pvt Room & Shared Room	Single Pvt Room & Shared Room	Single Pvt Room & Shared Room	Single Pvt Room & Shared Room	Single Pvt Room & Shared Room
11	Shared Accommodation Benefit	Up to Rs.15 Lakh Base Sum Insured: Rs.800 per day; Maximum Rs.4,800 & Above 15 lakh Base Sum Insured Rs.1000 per Day; Maximum Rs.6000	Up to Rs.15 Lakh Base Sum Insured: Rs.800 per day; Maximum Rs.4,800 & Above 15 lakh Base Sum Insured Rs.1000 per Day; Maximum Rs.6000	Up to Rs.15 Lakh Base Sum Insured: Rs.800 per day; Maximum Rs.4,800 & Above 15 lakh Base Sum Insured Rs.1000 per Day; Maximum Rs.6000	Up to Rs.15 Lakh Base Sum Insured: Rs.800 per day; Maximum Rs.4,800 & Above 15 lakh Base Sum Insured Rs.1000 per Day; Maximum Rs.6000	Up to Rs.15 Lakh Base Sum Insured: Rs.800 per day; Maximum Rs.4,800 & Above 15 lakh Base Sum Insured Rs.1000 per Day; Maximum Rs.6000	Up to Rs.15 Lakh Base Sum Insured: Rs.800 per day; Maximum Rs.4,800 & Above 15 lakh Base Sum Insured Rs.1000 per Day; Maximum Rs.6000
12	ICU Charges	Up to the Sum Insured	Up to the Sum Insured	Up to the Sum Insured	Up to the Sum Insured	Up to the Sum Insured	Up to the Sum Insured
13	Ambulance	Road Ambulance: Up to Sum Insured, Air Ambulance: up to Rs. 2.5 Lakh per hospitalization	Road Ambulance: Up to Sum Insured, Air Ambulance: up to Rs. 2.5 Lakh per hospitalization	Road Ambulance: Up to Sum Insured, Air Ambulance: up to Rs. 2.5 Lakh per hospitalization	Road Ambulance: Up to Sum Insured, Air Ambulance: up to Rs. 2.5 Lakh per hospitalization	Road Ambulance: Up to Sum Insured, Air Ambulance: up to Rs. 2.5 Lakh per hospitalization	Road Ambulance: Up to Sum Insured, Air Ambulance: up to Rs. 2.5 Lakh per hospitalization
14	Day Care Treatment	Up to the Sum Insured	Up to the Sum Insured	Up to the Sum Insured	Up to the Sum Insured	Up to the Sum Insured	Up to the Sum Insured
15	Modern Procedures / Treatments	Covered up to Sum Insured with a sub-limit of Rs.1 Lakh per claim on a few robotic surgeries, for listed Modern Treatment	Covered up to Sum Insured with a sub-limit of Rs.1 Lakh per claim on a few robotic surgeries, for listed Modern Treatment	Covered up to Sum Insured with a sub-limit of Rs.1 Lakh per claim on a few robotic surgeries, for listed Modern Treatment	Covered up to Sum Insured with a sub-limit of Rs.1 Lakh per claim on a few robotic surgeries, for listed Modern Treatment	Covered up to Sum Insured with a sub-limit of Rs.1 Lakh per claim on a few robotic surgeries, for listed Modern Treatment	Covered up to Sum Insured with a sub-limit of Rs.1 Lakh per claim on a few robotic surgeries, for listed Modern Treatment
16	HIV / AIDS and STD Cover	Not Cover	Not Cover	Not Cover	Not Cover	Not Cover	Not Cover
17	Mental Illness Hospitalization	Up to the Sum Insured	Up to the Sum Insured	Up to the Sum Insured	Up to the Sum Insured	Up to the Sum Insured	Up to the Sum Insured
18	Obesity Treatment	Up to the Sum Insured	Up to the Sum Insured	Up to the Sum Insured	Up to the Sum Insured	Up to the Sum Insured	Up to the Sum Insured
19	Pre-Hospitalization Expenses	60 Days up to Sum Insured	60 Days up to Sum Insured	60 Days up to Sum Insured	60 Days up to Sum Insured	60 Days up to Sum Insured	60 Days up to Sum Insured
20	Post-Hospitalization Expenses	180 Days up to Sum Insured	180 Days up to Sum Insured	180 Days up to Sum Insured	180 Days up to Sum Insured	180 Days up to Sum Insured	180 Days up to Sum Insured
21	Domiciliary- Hospitalization	Up to the Sum Insured	Up to the Sum Insured	Up to the Sum Insured	Up to the Sum Insured	Up to the Sum Insured	Up to the Sum Insured
22	Home Health Care	Up to the Sum Insured	Up to the Sum Insured	Up to the Sum Insured	Up to the Sum Insured	Up to the Sum Insured	Up to the Sum Insured
23	AYUSH Treatment	Covered up to the Sum Insured with a sub-limit of Rs.1 Lakh per claim on a few robotic surgeries	Covered up to the Sum Insured with a sub-limit of Rs.1 Lakh per claim on a few robotic surgeries	Covered up to the Sum Insured with a sub-limit of Rs.1 Lakh per claim on a few robotic surgeries	Covered up to the Sum Insured with a sub-limit of Rs.1 Lakh per claim on a few robotic surgeries	Covered up to the Sum Insured with a sub-limit of Rs.1 Lakh per claim on a few robotic surgeries	Covered up to the Sum Insured with a sub-limit of Rs.1 Lakh per claim on a few robotic surgeries
24	Organ Donor Expenses	Up to the Sum Insured	Up to the Sum Insured	Up to the Sum Insured	Up to the Sum Insured	Up to the Sum Insured	Up to the Sum Insured
25	Annual Health Check-up	For a defined list of tests; up to Rs.500 for every Rs.1 Lakh Base Sum Insured; (Individual: Maximum Irs. 5,000 per Insured; Family Floater: Maximum Rs. 10,000 per policy).	For a defined list of tests; up to Rs.500 for every Rs.1 Lakh Base Sum Insured; (Individual: Maximum Irs. 5,000 per Insured; Family Floater: Maximum Rs. 10,000 per policy).	For a defined list of tests; up to Rs.500 for every Rs.1 Lakh Base Sum Insured; (Individual: Maximum Irs. 5,000 per Insured; Family Floater: Maximum Rs. 10,000 per policy).	For a defined list of tests; up to Rs.500 for every Rs.1 Lakh Base Sum Insured; (Individual: Maximum Irs. 5,000 per Insured; Family Floater: Maximum Rs. 10,000 per policy).	For a defined list of tests; up to Rs.500 for every Rs.1 Lakh Base Sum Insured; (Individual: Maximum Irs. 5,000 per Insured; Family Floater: Maximum Rs. 10,000 per policy).	For a defined list of tests; up to Rs.500 for every Rs.1 Lakh Base Sum Insured; (Individual: Maximum Irs. 5,000 per Insured; Family Floater: Maximum Rs. 10,000 per policy).
26	ReAssureX	Unlimited times Claim will be paid up to the Base Sum Insured and the rest will be carried forward	Unlimited times Claim will be paid up to the Base Sum Insured and the rest will be carried forward	Unlimited times Claim will be paid up to the Base Sum Insured and the rest will be carried forward	Unlimited times Claim will be paid up to the Base Sum Insured and the rest will be carried forward	Unlimited times Claim will be paid up to the Base Sum Insured and the rest will be carried forward	Unlimited times Claim will be paid up to the Base Sum Insured and the rest will be carried forward
27	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, a maximum of up to 5 times.	10X: Unutilized Base Sum Insured carries forward to the next policy year, a maximum of up to 10 times	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, a maximum of up to 5 times	10X: Unutilized Base Sum Insured carries forward to the next policy year, a maximum of up to 10 times
28	Live Healthy- Renewal Discount	Up to 30% discount on premium at the time of Renewal.	Up to 30% discount on premium at the time of Renewal.	Up to 30% discount on premium at the time of Renewal.	Up to 30% discount on premium at the time of Renewal.	Up to 30% discount on premium at the time of Renewal.	Up to 30% discount on premium at the time of Renewal.
29	Second Medical Opinion	Once in a policy year for Any Conditions	Once in a policy year for Any Conditions	Once in a policy year for Any Conditions	Once in a policy year for Any Conditions	Once in a policy year for Any Conditions	Once in a policy year for Any Conditions
30	E-consultation	Unlimited e-consultation within our network	Unlimited e-consultation within our network	Unlimited e-consultation within our network	Unlimited e-consultation within our network	Unlimited e-consultation within our network	Unlimited e-consultation within our network
31	Pre-Existing Waiting Period	48 Months	48 Months	48 Months	36 Months	36 Months	36 Months
32	Specific Surgeries / Procedures	24 Months	24 Months	24 Months	24 Months	24 Months	24 Months
	Optional Cover	Optional Cover	Optional Cover	Optional Cover	Optional Cover	Optional Cover	Optional Cover
1	Hospital Cash Benefits	From 10 Lakh to 15 Lakh BSI, Rs.2K/Day and Above Rs.15 Lakh BSI 4K/Day	From 10 Lakh to 15 Lakh BSI, Rs.2K/Day and Above Rs.15 Lakh BSI 4K/Day	From 10 Lakh to 15 Lakh BSI, Rs.2K/Day and Above Rs.15 Lakh BSI 4K/Day	From 10 Lakh to 15 Lakh BSI, Rs.2K/Day and Above Rs.15 Lakh BSI 4K/Day	From 10 Lakh to 15 Lakh BSI, Rs.2K/Day and Above Rs.15 Lakh BSI 4K/Day	From 10 Lakh to 15 Lakh BSI, Rs.2K/Day and Above Rs.15 Lakh BSI 4K/Day
2	Personal Accident	Up to 5 times of Base Sum Insured, Maximum Up to 1 Cr	Up to 5 times of Base Sum Insured, Maximum Up to 1 Cr	Up to 5 times of Base Sum Insured, Maximum Up to 1 Cr	Up to 5 times of Base Sum Insured, Maximum Up to 1 Cr	Up to 5 times of Base Sum Insured, Maximum Up to 1 Cr	Up to 5 times of Base Sum Insured, Maximum Up to 1 Cr
3	Safeguard	Claim Safeguard: Non-payable items will be covered (as per the list I of Annexure I); Booster+ Safeguard: No impact on Booster+ if the claim in a policy year is up to Rs. 50,000; Sum Insured Safeguard: CPI-linked increase in Base Sum Insured	Claim Safeguard: Non-payable items will be covered (as per the list I of Annexure I); Booster+ Safeguard: No impact on Booster+ if the claim in a policy year is up to Rs. 50,000; Sum Insured Safeguard: CPI-linked increase in Base Sum Insured	Claim Safeguard: Non-payable items will be covered (as per the list I of Annexure I); Booster+ Safeguard: No impact on Booster+ if the claim in a policy year is up to Rs. 50,000; Sum Insured Safeguard: CPI-linked increase in Base Sum Insured	Claim Safeguard: Non-payable items will be covered (as per the list I of Annexure I); Booster+ Safeguard: No impact on Booster+ if the claim in a policy year is up to Rs. 50,000; Sum Insured Safeguard: CPI-linked increase in Base Sum Insured	Claim Safeguard: Non-payable items will be covered (as per the list I of Annexure I); Booster+ Safeguard: No impact on Booster+ if the claim in a policy year is up to Rs. 50,000; Sum Insured Safeguard: CPI-linked increase in Base Sum Insured	Claim Safeguard: Non-payable items will be covered (as per the list I of Annexure I); Booster+ Safeguard: No impact on Booster+ if the claim in a policy year is up to Rs. 50,000; Sum Insured Safeguard: CPI-linked increase in Base Sum Insured
4	Safeguard+	Claim Safeguard+: Non-payable items will be covered (as per lists I, II, III, IV of Annexure I); Booster+ Safeguard+: No impact on Booster+ if the claim in a policy year is up to Rs. 100 Lakh, Sum Insured Safeguard+: CPI linked increase in Base Sum Insured	Claim Safeguard+: Non-payable items will be covered (as per lists I, II, III, IV of Annexure I); Booster+ Safeguard+: No impact on Booster+ if the claim in a policy year is up to Rs. 100 Lakh, Sum Insured Safeguard+: CPI linked increase in Base Sum Insured	Claim Safeguard+: Non-payable items will be covered (as per lists I, II, III, IV of Annexure I); Booster+ Safeguard+: No impact on Booster+ if the claim in a policy year is up to Rs. 100 Lakh, Sum Insured Safeguard+: CPI linked increase in Base Sum Insured	Claim Safeguard+: Non-payable items will be covered (as per lists I, II, III, IV of Annexure I); Booster+ Safeguard+: No impact on Booster+ if the claim in a policy year is up to Rs. 100 Lakh, Sum Insured Safeguard+: CPI linked the increase in Base Sum Insured	Claim Safeguard+: Non-payable items will be covered (as per lists I, II, III, IV of Annexure I); Booster+ Safeguard+: No impact on Booster+ if the claim in a policy year is up to Rs. 100 Lakh, Sum Insured Safeguard+: CPI linked the increase in Base Sum Insured	Claim Safeguard+: Non-payable items will be covered (as per lists I, II, III, IV of Annexure I); Booster+ Safeguard+: No impact on Booster+ if the claim in a policy year is up to Rs. 100 Lakh, Sum Insured Safeguard+: CPI linked increase in Base Sum Insured
5	Co-payment	Co-payment Options of 20% / 30% / 40% / 50%	Co-payment Options of 20% / 30% / 40% / 50%	Co-payment Options of 20% / 30% / 40% / 50%	Co-payment Options of 20% / 30% / 40% / 50%	Co-payment Options of 20% / 30% / 40% / 50%	Co-payment Options of 20% / 30% / 40% / 50%
6	Reduce – Waiting Period on Pre-Existing Disease	Options to Reduce PED waiting period – 1 year, 2 year or 4 year	Options to Reduce PED waiting period – 1 year, 2 year or 4 year	Options to Reduce PED waiting period – 1 year, 2 year or 4 year	Options to Reduce PED waiting period – 1 year, 2 year or 4 year	Options to Reduce PED waiting period – 1 year, 2 year or 4 year	Options to Reduce PED waiting period – 1 year, 2 year or 4 year
7	Room Type Selection	Can choose SIngle Pvt Room or Share Room	Can choose SIngle Pvt Room or Share Room	Can choose SIngle Pvt Room or Share Room	Can choose SIngle Pvt Room or Share Room	Can choose SIngle Pvt Room or Share Room	Can choose SIngle Pvt Room or Share Room
8	Annual Aggregate Deductible	Option to choose Rs.10K, 20K, 30K, 50K, 100K	Option to choose Rs.10K, 20K, 30K, 50K, 100K	Option to choose Rs.10K, 20K, 30K, 50K, 100K	Option to choose Rs.10K, 20K, 30K, 50K, 100K	Option to choose Rs.10K, 20K, 30K, 50K, 100K	Option to choose Rs.10K, 20K, 30K, 50K, 100K

How to avail of the AHC– Annual Health Checkups will be booked through only the mobile App& applicable once in every policy year with specified limits of checkups list and will be done only at Network hospitals with cashless mode only.

Are Optionals Cover increasing/decreasing the premium? – Yes, it will increase and decrease as well, Suppose you have to reduce the pre-existing waiting period, and the premium will increase, if choose a shared room rather than a single pvt room, it will reduce the premium.