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Niva Bupa ReAssure 2.0 (Titanium+) + Key Add-ons

ILM Ratings

ILM Ratings

Claims Experience:

Customer Service:

Product Benefits:

Introduction to Niva Bupa ReAssure 2.0 (Titanium+) + Key Add-ons

Niva Bupa ReAssure 2.0 (Titanium+) combines strong core benefits with innovative features, all at an affordable price. One of its standout features is that the premium remains fixed based on your entry age until the first claim is paid. Additionally, the plan offers unlimited refills that activate from the very first claim and continue for life. Any unused sum insured is carried forward up to 10 times, further enhancing your coverage. The plan also covers treatments lasting 2 or more hours, providing extensive protection for a wide range of medical needs.

Claims Experience:

Customer Service:

Product Benefits:

Quick Overview:

What's Good?

• No restrictions on hospital room you can choose
• Age-linked premium stays constant, until first claim
• Restoration benefit activates after the first claim, and stays triggered forever
• Unused sum insured carries on to the next year, up to 10 times
• Covers health check-up expenses from day 1
• Non-medical costs covered - gloves, oxygen masks, etc.

What's Not Good?

• No monthly premium payment option

Insurer Track Record

About Niva Bupa Health Insurance Company Limited

JV Partners

Turnover (GWP)

Number of Policies

Number of Claims

Detailed Product Overview

Unique Benefits

Hidden Conditions

Exclusions Unique to this Policy

Have doubts regarding this plan?

Frequently Asked Questions

Will your premium stay the same forever under ReAssure 2.0 (Titanium+)?

With the Lock the Clock feature (part of ReAssure+), your premium stays fixed based on your entry age - until you make your first claim. After that, age-based premiums apply. Please note that the premiums can increase due to inflation, revised pricing structure, insurer's financial condition and so on.

When does the Restore Benefit get triggered?

Are consumables covered under Niva Bupa ReAssure 2.0 (Titanium+)?

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Did you know

1- Health insurance data and ratings were last updated in April 2026. All data has been sourced from product brochures, policy wordings, prospectus, public disclosures (Q4, FY 2024-2025), insurer websites, and the IRDAI website.

2- The Claims Settlement Ratio data is taken from NL-37, insurer public disclosures (Q4, FY 2024-2025). It is calculated by dividing health insurance claims settled divided by health insurance claims reported plus those outstanding at the start of the year.

3- The data related to claim complaints and policy purchase complaints is taken from NL-45, insurer public disclosures (Q4, FY 2024-2025).

4- The Solvency Ratio data is taken from NL-26, insurer public disclosures (Q4, FY 2024-2025).

5- The data related to claims settled within 30 days is taken from NL-39, insurer public disclosures (Q4, FY 2024-2025). It is calculated by dividing number of health insurance claims paid within 30 days by the total health insurance claims paid during the year.

6- The Claims Incurred Ratio data is taken from NL-4 and NL-5, insurer public disclosures (Q4, FY 2024-2025). It is calculated by dividing the Net Claims Incurred by the Net Earned Premium.

7- The Turnover data is taken from NL-4, insurer public disclosures (Q4, FY 2024-2025). It is calculated by converting net written premium to gross written premium.

8- The number of policies and claims data is taken from NL-45, insurer public disclosures (Q4, FY 2024-2025).

9- The Claim Rejection Ratio data is taken from NL- 37, insurer public disclosures (Q4, FY 2024-2025). It is calculated by dividing total claims repudiated and rejected by the sum of total claims outstanding at the beginning of the year and total claims reported during the period.

10- For now, we have considered the most comprehensive plans from leading insurance companies. We will keep updating the product pages with new plans in the coming days.

11- We have rated only those plans that can be serviced by individual advisors. This is because of our strong belief that health insurance customers need professional assistance from individual advisors before and after purchase. We do not recommend and hence do not rate direct-to-customer health insurance plans or plans where there aren't enough advisors available to service.

12- Affordability assessment of plans:

• The affordability of comprehensive plans is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹10 Lakhs.
• The affordability of Care Freedom Plan is assessed for a 46-year-old couple in Zone 1 with ₹10 lakh cover; premium as of 16th April 2026.
• The affordability of Care Freedom (Plan 1) is assessed for ₹5 lakh cover; premium as of 16th April 2026.
• The affordability of Acko Platinum Health Insurance is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹25 Lakhs. And, the premium is as of February 2024.
• The affordability of ICICI Lombard MaxProtect (Premium) is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹1 Crore. And, the premium is as of February 2024.
• The affordability of Niva Bupa - Senior First (Platinum), Manipal Cigna - Prime Senior (Elite) is assessed using premiums for a family of two adults (61 years old) residing in Zone 1, opting for a cover of ₹10 Lakhs. And, the premium is as of February 2024.
• The affordability of Aditya Birla Activ One (VIP+) is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹50 Lakhs. And, the premium is as of March 2024.
• The affordability of Aditya Birla Activ One (VIP) is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹50 Lakhs. And, the premium is as of April 2024.
• The affordability of Care Advantage Plan is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹25 Lakhs. And, the premium is as of April 2024.
• The affordability of IndusInd General Health Global (Elite) Plan is assessed using premiums for a family of two adults (30 years old) and one child (1 year old), opting for an India cover of ₹1.5 Crores and global cover of $0.15 Million. And, the premium is as of August 2024.
• The affordability of Star Health - Premier is assessed using premiums for a family of two adults (61 years old) residing in Zone 1, opting for a cover of ₹10 Lakhs. And, the premium is as of April 2025.
• The affordability of ManipalCigna - LifeTime Health (India) is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹50 Lakhs. And, the premium is as of April 2025.
• The affordability of Care Insurance Senior Health Advantage is assessed using premiums for a family of two adults (61 years old) residing in Zone 1, opting for a cover of ₹10 Lakhs. And, the premium is as of June 2025.
• The affordability of Optima Secure Global & Optima Secure Global Plus Plans is assessed using premiums for a family of two adults (30 years old) and one child (1 year old), opting for an India cover of ₹1 Crore. And, the premium is as of February 2026.
• The premium for Optima Super Secure is available only for a 3-year tenure and the pricing has been considered accordingly.

13-Premium ratings are as of 19th January 2026.

• For Activ One (VYTL), asthma was considered as the PED for premium retrieval.
• Aditya Birla Health – Activ Health Platinum (Enhanced): child age set to 5 years (minimum allowed).
• Care Plus: one adult must be 35+; test case updated accordingly to meet the minimum requirement.
• Care Supreme (Vikas): one adult must be 30+; test case updated accordingly to meet the minimum requirement.

14- We have considered the Inflation Protection benefit under Acko’s Platinum and Standard Health Plan instead of the No Claim Bonus Benefit.

15- We have only considered features, benefits, and limits of ‘India Cover’ under IndusInd General's Health Global (Elite) Plan.

16- The product benefits section is based on a sum insured of ₹10 Lakhs and only highlights the top benefits and features of health insurance plans.

17- Only those hidden and special conditions that apply to the benefits and features we have considered are included on the product pages.

18- The product pages only include the most significant specific exclusions under each plan, which we've simplified for better understanding.

19- The product pages do not include any generic terms, conditions, or exclusions (those that are the same and apply to all health insurance plans).

20- If the policy wording, brochure, or prospectus states that a benefit/feature is available with a specific plan but it is not available online when generating the premium quote, we have not considered that benefit/feature to be available with the plan.

21- We take into account more parameters, beyond those shown above, when calculating the customer service rating.

22- The response time on X (Twitter) was calculated using a sample set of tweets from July 2025 to December 2025 (analyzed in January 2026). The Response time on Toll Free was last evaluated in March 2026.

23- The metrics like claim complaints, policy purchase complaints, response time on Twitter and toll-free are not related to a specific product but are related to the overall performance of the insurance company.

24- The network hospitals' data was last updated in January 2026.

Your use of the website shall be governed by the Terms and Conditions and Privacy Policy of our website.

Niva Bupa ReAssure 2.0  (Titanium+) is a health insurance policy offered by Niva Bupa Health Insurance Company Limited.

If you're looking to purchase a healthcare plan that caters to your specific needs, this plan is the perfect choice for you. It offers a range of unique features and benefits that set it apart. One standout feature is that your age remains fixed from the moment you buy the plan, meaning you pay premiums based on your entry age until your first claim. Another advantage is that any unused base sum insured can be carried forward to the following policy year, up to a maximum of ten times the base sum insured. You'll find that the coverage goes beyond just covering hospitalisation expenses. It also includes non-medical items such as gloves, oxygen masks, and more.

However, it's important to note that the plan doesn't offer the option for monthly premium payments. Furthermore, our research indicates that the insurer has received a higher number of complaints regarding claim settlements and policy purchases. This suggests that their track record in both purchase and claims service may be poor.

What are the benefits offered by the Niva Bupa - ReAssure 2.0 (Titanium+)

• Inpatient hospitalisation coverage: The Niva Bupa - ReAssure 2.0 (Titanium+) plan offers you coverage for expenses associated with inpatient hospitalisation. These expenses include the costs incurred when you are admitted to a hospital for more than 24 hours. This means that the plan covers the expenses of your hospital room, nursing care, consultations, prescription medications, ICU charges, and any other relevant expenses. Please note, expenses related to the automation machine for peritoneal dialysis will not be covered if you are hospitalised for inpatient or day care treatments.
• Pre-hospitalisation coverage: Before you are admitted to the hospital, you may incur certain medical expenses. These expenses, known as pre-hospitalisation charges, encompass fees for consultations, laboratory tests, checkups, and medical reports, among other things. It's important to bear in mind that the insurance company will only cover your expenses if they are directly linked to the medical condition that leads to your hospitalisation and if the claim is approved as part of your inpatient hospitalisation expenses. With the Niva Bupa - ReAssure 2.0 (Titanium+) plan, you can rest assured that your pre-hospitalisation expenses will be taken care of for a period of 60 days prior to your hospitalisation, up to the sum insured.
• Post-hospitalisation coverage: Once you are discharged from the hospital, you may come across certain medical costs referred to as post-hospitalisation expenses. These expenses typically include consultation fees, check-up charges, medical test costs, and more. It is important to note that for these expenses to be covered, they must be directly linked to your hospital stay and approved as part of your inpatient hospitalisation coverage. With the Niva Bupa - ReAssure 2.0 (Titanium+) plan you can enjoy the benefits of comprehensive coverage for post-hospitalisation expenses up to the sum insured for a period of 180 days following your hospital discharge.
• Daycare treatment coverage: With the Niva Bupa - ReAssure 2.0 (Titanium+) plan, you can now enjoy comprehensive coverage for all your daycare treatments without any limit up to the sum insured. This means that medical procedures or surgeries that used to require an extended hospital stay can now be completed within 24 hours, thanks to advancements in medical technology. Please note, expenses for the automation machine used for peritoneal dialysis during hospitalisation for inpatient or daycare treatments will not be covered
• Domiciliary treatment coverage: Domiciliary treatments are medical treatments for illnesses or injuries that require immediate attention in a hospital, but are administered at home due to the patient's severe illness or injury, making it unsafe to transport them to a hospital. This coverage is also applicable if there are no hospital beds available in the patient's immediate vicinity. With the Niva Bupa - ReAssure 2.0 (Titanium+) plan, you can rest easy knowing that all expenses related to domiciliary treatments are fully covered up to the sum insured.  Unfortunately, any medical and ambulatory devices used at home, such as Pulse Oximeters, BP monitors, Sugar monitors, automation devices for peritoneal dialysis, CPAP machines, BiPAP machines, Crutches, wheelchairs, and so on, will not be included in the coverage. Also, Domiciliary treatments will be eligible for coverage if a daily monitoring chart is kept, which includes records of the treatment administered and is duly signed by the treating doctor.

Note: Under Domiciliary Treatment cover, you will have the peace of mind of knowing that peritoneal dialysis and chemotherapy taken at home will be fully covered.

• Organ donor coverage: The Niva Bupa - ReAssure 2.0 (Titanium+) plan offers coverage for organ donor expenses. It takes care of the expenses related to harvesting the organ, up to the sum insured, when you are the recipient.

Note: If you choose to donate any of your organs under the Organ Donor cover, rest assured that all expenses related to the organ harvesting process will be fully covered.

• Modern treatment coverage: With the constant advancement of medical technology, you now have access to previously unimaginable innovative treatments. Procedures like stem cell therapy and radio surgeries are specifically designed to treat conditions that were once considered untreatable. The Niva Bupa - ReAssure 2.0 (Titanium+) plan is tailored to keep up with these developments and covers the expenses associated with these modern treatments up to the sum insured with the exception of robotic surgeries. Please note, There is a maximum limit of Rs. 1 Lakh for most robotic surgeries, with the exception of robotic total radical prostatectomy, robotic cardiac surgeries, robotic partial nephrectomy, and robotic surgeries for malignancies.
• Non-medical expenses coverage: Non-medical expenses include consumables like gloves, nebulization kits, oxygen masks, and other essential items needed for your treatment. Niva Bupa - ReAssure 2.0 (Titanium+) plan, it will cover non-medical expenses up to the sum insured only when you choose this benefit as an add-on.
• No Claim Bonus: If you don't make any claims during your policy period, the insurance company will reward you with a No-Claim Bonus. With the Niva Bupa - ReAssure 2.0 (Titanium+) plan, you can receive a bonus of 100% of your sum insured, up to a maximum of 1 crore. If you make a claim during the policy year the bonus will still remain intact.
• Super No-Claim Bonus: The Super No Claim Bonus is an enhanced version of the No Claim Bonus that works in a similar way. The Niva Bupa - ReAssure 2.0 (Titanium+) Plan however does not offer this feature.
• Restoration benefit: The restoration benefit is designed to restore your sum insured after you exhaust it within a policy year. When you choose the Niva Bupa - ReAssure 2.0 (Titanium+) plan, you can take advantage of this benefit for both related and unrelated illnesses, including complications. This helpful feature kicks in when both your sum insured and no claim bonus have been partially utilised. The great news is that you can enjoy this benefit multiple times in a policy year, starting from the first paid claim.

Note: Once you trigger the restoration benefit with your first ever paid claim, it remains in effect indefinitely. This means you won't need to make another first claim to activate this benefit during renewals.

Please remember that the limitations and conditions mentioned in the benefits above apply to a sum insured of Rs. 10 lakhs for a 30-year-old individual.

Niva Bupa - ReAssure 2.0 (Titanium+): Financial Limits

• Room rent limit: The room rent limit is the maximum amount that your insurance provider will cover for your hospital room expenses. When you choose a room within this limit, you won't have to pay any extra charges. However, if you decide to go for a more expensive room, you will be responsible for a proportionate portion of the total hospital bill, not just the difference in room rent. With the Niva Bupa - ReAssure 2.0 (Titanium+) plan, you have the freedom to select any room without any restrictions.
• ICU rent limit: In the Niva Bupa - ReAssure 2.0 (Titanium+) plan, you won't have to worry about any limits on your ICU rent. This means that your plan will cover the full cost of your stay in the intensive care unit at the hospital, up to the maximum amount insured.
• Co-payment: In the Niva Bupa - ReAssure 2.0 (Titanium+) plan, you won't have to worry about any copayments. A copayment is usually a portion of the approved claim amount that you would be responsible for paying out of pocket. But with this plan, once you make your payment, the insurer will cover the remaining expenses without any additional cost to you.
• Deductible: A deductible is an amount that you, as the policyholder, must pay out of your own pocket before your insurance coverage comes into effect to cover the remaining costs. With the Niva Bupa - ReAssure 2.0 (Titanium+) plan the deductible limit is 20K / 30K / 50K / 100K and available as an option as per your insurance plan.
• Limits on surgeries/treatments: When it comes to your health insurance policy, it's important to understand the limits on surgeries and treatments. These limits refer to the maximum amount that your policy will cover for specific medical procedures or treatments. Some plans have predetermined limits on the amount they'll cover for certain procedures, while others do not. With the Niva Bupa - ReAssure 2.0 (Titanium+) plan, you can rest assured knowing that cataract treatment and joint replacement surgeries are covered up to the sum insured.

Please note that the above financial limits are taken for a 30-year-old individual opting for a sum insured of Rs. 10 Lakhs.

Niva Bupa - ReAssure 2.0 (Titanium+): Waiting Periods & Exclusions

👉Waiting period

During a waiting period certain illnesses and medical conditions are not immediately covered by your health insurance policy. It's important to note that claims for these specific conditions can only be made once the waiting period has passed. Here are some types of waiting periods to be aware of:

• Initial waiting period: There is an initial waiting period for all medical conditions, except accidents for the first 30 days from policy purchase. During this time, you won't be eligible to make a claim for any hospitalisation, except in cases of accidents.
• Waiting period for pre-existing conditions: In the Niva Bupa - ReAssure 2.0 (Titanium+) plan, you need to be aware of the waiting period of 36 months for pre-existing conditions. This means that if you have experienced any medical condition or illness within the 36 months before purchasing your health insurance policy, you will not be eligible to make any claims for costs associated with your pre-existing disease during this waiting period.
• Waiting period for specific diseases: In addition to your pre-existing conditions, insurers have a list of specific medical conditions or illnesses that require waiting periods, regardless of whether you have had those diseases before or not. The waiting period is set by the insurer and is not based on your current health status. With the Niva Bupa - ReAssure 2.0 (Titanium+) plan, there is a waiting period of 24 months for specified illnesses.

👉Exclusions

Health insurance policies do not provide coverage for specific medical conditions or situations known as exclusions. Let's take a look at some of these exclusions:

• Standard Permanent Exclusions: All insurance providers are required to adhere to the ‘standard permanent exclusions’ established by IRDAI. These include -

1. Investigation and evaluation: Hospital admission for observation or monitoring.
2. Rest, rehabilitation, and respite care: Admission to a facility for bed rest without active treatment.
3. Obesity/weight control: Treatment or surgery related to weight control or obesity.
4. Gender reassignment: Treatments aimed at altering the body’s characteristics to match the opposite sex.
5. Plastic/Cosmetic surgery: Treatment or surgery intended to modify body characteristics or appearance.
6. Profession in hazardous or adventure sports: Treatment expenses resulting from participating in adventurous activities such as river rafting, mountaineering, scuba diving, etc. as a professional.
7. Breach of law: Expenses incurred in treating a person who has committed or attempted to commit a criminal act.
8. Excluded providers: Treatment received from medical practitioners or hospitals excluded by the insurance company.
9. Narcotics: Treating addiction to substances such as alcohol, drugs, etc.
10. Treatments in establishments arranged for domestic purposes: Expenses incurred due to the treatment received in health spas, nursing homes, or similar establishments arranged entirely or partially for domestic reasons.
11. Dietary supplements, substances purchased without subscription: Vitamins, minerals, etc., that a medical practitioner does not prescribe.
12. Refractive error: Expenses associated with correcting refractive errors of up to 7.5 diopters to improve eyesight.
13. Unproven treatments: Surgeries, medical procedures, or treatments that are not proven to be effective.
14. Expenses related to birth control, sterility, and infertility: Contraception, sterilisation, artificial insemination, advanced reproductive technologies such as IVF, ZIFT, GIFT, ICSI, gestational surrogacy, etc.
15. Maternity expenses: Pre/post-natal costs, childbirth-related hospitalisation expenses, etc.

• Additional permanent exclusions: Insurance providers have the authority to impose additional exclusions for specific medical conditions or circumstances, in addition to the standard permanent exclusions. If you happen to have certain diseases or severe medical conditions that insurers consider too risky to cover, they may choose to permanently exclude them from your policy. It is important to note that health insurers are bound by certain restrictions when it comes to applying permanent exclusions. These restrictions are defined by the Insurance Regulatory and Development Authority of India (IRDAI) and pertain specifically to a list of illnesses for which exclusions can be applied. It is worth mentioning that insurers are not permitted to impose permanent exclusions for illnesses or diseases that fall outside of this designated list.
• Non-standard exclusions (Specific exclusions): You may come across specific exclusions that go beyond the standard permanent exclusions outlined by the IRDAI These exclusions can vary among insurance companies and are based on the terms and conditions of the policy. Some of the specific exclusions listed under the Niva Bupa - ReAssure 2.0 (Titanium+) plan are as follows:

1. You will not be covered for any injury or illness that is directly or indirectly caused by terrorism, nuclear or radiological emissions, war-like situations, or rebellion.
2. Expenses for screening, counselling, or treatment related to external birth defects will not be covered.
3. Unless it is caused by cancer or an accident, any dental treatment will not be covered.
4. If a patient is in a vegetative state (brain dead) with no chance of recovery, the use of a ventilator will not be covered.

What to expect in terms of claims experience if you buy from Niva Bupa Health Insurance Company Limited?

• Speed of claims: Niva Bupa Health Insurance Company Limited has settled  99.95% of its claims within 30 days.  This assures you of a smooth and timely claim settlement experience.
• Claim-related complaints: As per our research, we found that Niva Bupa Health Insurance Company Limited has a complaint rate of  0.49% for claims in comparison to other insurance providers. This indicates that their claim settlement process is average.
• Claims incurred ratio: The claims incurred ratio is a measure of an insurer's financial performance. It shows the total claims paid out in relation to the premiums received in a specific fiscal year. Niva Bupa Health Insurance Company Limited has a claims incurred ratio of 65.44%.
• Claim settlement ratio: Niva Bupa Health Insurance Company Limited's claim settlement ratio stands at 85.18%. This figure reflects the proportion of total claims received to those successfully settled by the company in a specific fiscal year.
• Network hospitals: Niva Bupa Health Insurance Company Limited provides access to an extensive network of 10,000+ hospitals. This broad network allows customers to receive cashless treatment without any financial worry.

How is the customer service of Niva Bupa Health Insurance Company Limited?

• Policy purchase-related complaints: Based on our research, Niva Bupa Health Insurance Company Limited has received 0.01% of complaints related to its after-sales service, which is significantly lower than other insurance companies.
• Response on Toll-Free: Our research suggests that Niva Bupa Health Insurance Company Limited’s response time on their toll-free is average, as compared to other insurers.
• Response on Twitter: As per our research, Niva Bupa Health Insurance Company Limited has a slow response time on Twitter, as compared to others.

About Niva Bupa Health Insurance Company Limited

Niva Bupa Health Insurance Company Limited (formerly known as Max Bupa Health Insurance Company Limited) is a joint venture between Fettle Tone LLP and Bupa Singapore Holdings Pte. Limited. This company offers a diverse selection of health insurance products designed to meet the unique needs of individuals like yourself. Whether you are seeking individual health plans, family floaters, top-up policies, or more, Niva Bupa has you covered. Founded in 2008 and headquartered in New Delhi, India, this company is led by Mr. Ashish Mehrotra, who serves as the CEO and MD.

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Industry Experts with up to 20 years of experience help you from purchase to claims.