With so many options for medical insurance plans out there, choosing the right insurance coverage can be confusing. Niva Bupa Health ReAssure is here to make things simpler. This article will help you understand why ReAssure is a great choice. It is one of the best health insurance plans as it prioritises your well-being. Moreover, understanding and claiming benefits under the ReAssure plan is hassle-free, in line with Niva Bupa’s commitment to transparency and efficiency.
By the end of this article, you’ll know how to make the most of this plan and make a smart decision for your health. Let’s break it down and make things easy!
Unlocking the Value: Exploring the Benefits of Niva Bupa Health ReAssure
Let’s explore the key benefits that make Niva Bupa Health ReAssure one of the best health insurance plans and an invaluable asset on your path to a healthier, more secure future:
Hospitalisation Expenses
The ReAssure plan covers the expenses incurred during hospitalisation, ranging from an amount between ₹3 Lakhs and ₹1 Crore. It also includes ambulance charges, room charges, nursing expenses, medical practitioner’s fees, the cost of medicines, and related hospital services. The coverage also extends to pre and post-hospitalisation expenses for 60 and 180 days, respectively.
Day Care Treatment
Daycare treatments are medical procedures that do not require an overnight stay in the hospital. The ReAssure plan ensures coverage for such treatments, which are becoming increasingly common with advancements in medical technology.
Alternative and Modern Treatments
ReAssure covers alternative and modern treatments, which could include therapies such as Ayurveda, Homeopathy, or other non-conventional medical approaches that are recognised and accepted by the insurance provider.
Domiciliary Hospitalisation
Domiciliary hospitalisation refers to the provision of medical treatment given to a patient at their home, which would otherwise have required hospitalisation. This benefit is particularly useful for situations where hospitalisation is not possible or preferred.
Living Organ Donor Transplant
The ReAssure plan covers the medical expenses related to living organ donor transplant procedures. It includes costs associated with the donor’s surgery, medical tests, and post-operative care.
Health Check-up
This benefit provides best health insurance plan coverage for routine annual health check-ups from Day 1 of the policy period up to ₹5,000 and ₹10,000 for individual and family floater policies, respectively. It encourages policyholders to undergo preventive health check-ups, contributing to the early detection of potential health issues.
ReAssure Benefit
This is a unique benefit under the ReAssure plan and allows the policyholder to reinstate the sum insured multiple times during the policy term. This unlimited reinstatement is triggered after the first claim itself and ensures continuous coverage even after a claim is made.
Booster Benefit
In case of a claim-free year, this benefit provides an increase of 50% of the base sum insured in a policy year, up to a maximum of 100%. You can thus double the sum insured in 2 claim-free years.
Live Healthy Benefit
As per this feature, you can earn health points by tracking your steps through the Niva Bupa Health App and enjoy a discount of up to 30% on your renewal premium. In this way, you get financially rewarded for following a healthier lifestyle.
Understanding the Claim Settlement Process of Niva Bupa Health ReAssure
Following the below-mentioned steps can help you receive the claim under the ReAssure policy and maximise your coverage benefits:
| Cashless Model | Reimbursement Model |
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Obtain pre-authorisation for planned treatment at least 72 hours prior to the proposed treatment. In case of emergencies, it must be obtained within 48 hours of
the hospitalisation or discharge, whichever is earlier. |
Submit a written notice of the claim within 48 hours of hospitalisation. The notice must include information such as policy number, details of the policyholder, illness and hospitalisation. |
| Ensure you submit a fully completed and signed pre-authorisation form. This form should include essential details such as the policy number, the names and addresses of both the policyholder and the insured, along with information about the illness and hospitalisation procedures. | Niva Bupa will assess the claim’s validity and retain the right to examine the medical and hospitalisation records related to the insured person’s treatment. They may also investigate the circumstances surrounding the claim. The insurer will cover all costs associated with this investigation. |
| Once Niva Bupa has gathered adequate details to evaluate the request, they will issue an authorisation letter outlining the approved amount and relevant details. | The company will either approve or reject a claim within 30 days of receiving the last necessary document. If an investigation is deemed necessary, it will be initiated and concluded within 30 days of receiving the document, and the claim will be settled within 45 days from that date. |
| After pre-authorisation is approved, the treatment should occur within 15 days from the pre-authorisation date. Niva Bupa will then directly pay the assessed amount to the network hospital. | Once the claim is approved, Niva Bupa will reimburse you for the treatment costs up to the sum insured. |
To Sum It Up
Niva Bupa Health ReAssure is your all-in-one health coverage solution, making it one of the best health insurance company for your family’s healthy future. From covering hospitalisation expenses to unique benefits like ReAssure and Booster, it’s designed with you in mind. The Live Healthy Benefit even rewards you for healthy choices.
Ready for comprehensive health coverage? Explore Niva Bupa Health ReAssure on their website. Your health matters—take the next step for a secure future. Visit Niva Bupa now for more details.