Niva Bupa Health Insurance Company Limited (formerly Max Bupa)
ReAssure 2.0
UIN NBHHLIP23169V012223We don't sell this — we'll still recommend if it fits
The dealbreaker fields
Max cover
₹1 cr
Claim settlement (CSR)
98.5%
PED waiting
36 months
Specific disease wait
24 months
Mandatory co-pay
0%
Room rent prop. ded.
No
Pre / post hosp.
60 / 180 days
Network hospitals
9,600+
Free look
30 days
What this plan does well
- ReAssure+ Forever — UNLIMITED restoration after first claim (industry-leading)
- Lock the Clock — pay premium per entry age until claim (Fixed Entry Age — DISTINCTIVE)
- Booster+ — unused SI carries forward 5x (Platinum+) or 10x (Titanium+) — DISTINCTIVE
- 180-day post-hospitalisation (industry leading)
- Modern Treatments up to SI (industry leading)
- 30-min cashless claim processing (industry best)
- Air Ambulance ₹2.5L/hosp
- Day 1 Annual Health Checkup (no waiting)
Watch out for
- No CB (replaced by Booster+ — but no top-up if zero claim-free years yet)
- Maternity not in base (need separate Aspire plan)
- Personal Accident as optional add-on (not in base)
- Hospital Cash optional
- Robotic surgeries sub-limited ₹1L per claim
- PED waiting 36 months (standard, not industry-leading like 24mo plans)
Is this the right plan for you?
Run the 30-second cover calculator. We'll tell you whether this plan, or a different one, is the better fit.
Find my right cover →We don't directly sell this plan today. If our verdict says this is your best fit, we'll point you to a broker who does — and tell you our paired listed alternative so you can decide.