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Niva Bupa ReAssure 2.0 (Titanium+) with Disease Management Rider

ILM Ratings

Claims Experience:

Customer Service:

Product Benefits:

Introduction to Niva Bupa ReAssure 2.0 (Titanium+) with Disease Management Rider

The Niva Bupa ReAssure 2.0 (Titanium+) with Disease Management Rider 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 5 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
• Covers diabetes & hypertension from day 1
• 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?

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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.

The Niva Bupa ReAssure 2.0 (Titanium+) with the add-on Disease Management Rider (Platinum) is offered by the Niva Bupa Health Insurance Company Limited, This healthcare policy offers significant coverage for hypertension and diabetes. From the moment of purchase, individuals are covered under this plan. The premium remains fixed, tied to the age at the time of purchase, ensuring stability. Additionally, individuals are covered up to 10 times the maximum limit of the insured base sum, providing ample protection and peace of mind.

Further, the insured will also be provided with the amenity to carry forward any unused base sum in the next policy year as well. The medical and non-medical expenses will also be covered additionally. The plan offers holistic, patient-centered care to all insured people without having anxiety about financial challenges. There have been a few complaints regarding claim and policy settlement through this plan. This indicates that improved strategies need to be executed for its poor track record.

What are the benefits offered by the Niva Bupa ReAssure 2.0 (Titanium+) with Disease Management Rider?

The Niva Bupa ReAssure 2.0 (Titanium+) with Disease Management Rider provides numerous benefits for people suffering from hypertension and diabetes. The plan ensures that the insured will receive a tailored care plan dedicated to their specific needs.

• In-patient hospitalization coverage: The Niva Bupa ReAssure 2.0 (Titanium+) with Disease Management Rider ensures in-patient hospitalization facilities. In-patient hospitalization coverage is provided when the insured has to stay in the hospital for more than 24 hours. This even requires staying for an extended period of time. Treatment of serious illnesses, traumatic injuries, burns and chronic illnesses comes under in-patient hospitalization coverage. The policy provides in-patient hospitalization coverage for both room rent and ICU rent. There is no limit for ICU and room rent through in-patient coverage. However, expenses for automation machines for peritoneal dialysis are not covered during in-patient hospitalization.
• Pre-hospitalization coverage: Pre-hospitalization coverage refers to the medical expenses required before admitting the patient to the hospital. Several medical tests need to be conducted, such as CT Scans, X-rays, and blood sugar tests. These tests are performed at the doctor's suggestion. The Niva Bupa ReAssure 2.0 (Titanium+) with Disease Management Rider allows you to cover the expenses for pre-hospitalization treatment for 60 days. The plan ensures that all expenses up to the sum insured are covered.
• Post-hospitalization coverage: Post-hospitalization coverage is necessary for the patient's recovery after discharge. It allows for frequent medical consultations along with regular follow-ups with care and medication. The Niva Bupa ReAssure 2.0 (Titanium+) with Disease Management Riderplan ensures that all expenses are covered for 180 days up to the sum insured.
• Daycare treatment coverage: Daycare treatment coverages are the medical operations, which do not require more than 24 hours of hospitalization. Daycare treatment coverages often consist of surgeries and other treatment procedures like appendectomy, chemotherapy, and radiotherapy. The Niva Bupa ReAssure 2.0 (Titanium+) with Disease Management Rider covers all daycare treatments when the patient is admitted to the hospital for less than 24 hours. There is no financial limit to daycare treatment coverage as per the plan. However, for daycare treatment hospitalization, expenses due to automation machines for peritoneal dialysis cannot be covered.
• Domiciliary treatment: Domiciliary treatment is those specific medical treatments and interventions where the patient is not admitted to the hospital. The Niva Bupa ReAssure 2.0 (Titanium+) with Disease Management Rider ensures coverage of the expenses of these treatments till the sum is insured and generally covers all diseases. Chemotherapy and peritoneal dialysis received at home are covered under this policy as well. However, they are only covered when records of the daily monitoring charts with administered treatments are maintained and signed duly by the treating doctor. Moreover, ambulatory and medical devices are not covered through Domicialry Treatment Cover. These include BP monitors, Pulse Oximeter, Sugar monitors, CPAP, crutches, wheelchairs, BiPAP, and automation devices for peritoneal dialysis.
• Organ donor coverage: The Niva Bupa ReAssure 2.0 (Titanium+) with Disease Management Rider even covers organ donor expenses up to their sum insured. The policy further covers all in-patient expenses for organ donor procedures. Thus, this policy provides a financial backup option for people requiring organ transplants. The coverage also ensures covering for the expenses even associated with organ harvesting.
• Modern day treatments: Modern-day treatments utilise ultra-advanced technologies to provide dedicated care facilities to their patients. These treatment facilities often consist of stem cell therapies, radio surgeries, and even robotic surgeries.  allow for providing unique treatment facilities to each client. The Niva Bupa ReAssure 2.0 (Titanium+) with Disease Management Rider covers various modern-day treatments. Robotic surgeries, except for robotic cardiac surgeries, robotic total radical prostatectomy, robotic surgeries for malignancies and robotic partial nephrectomy, have a limit of Rs. 1 Lakh under modern day treatments.
• Non-medical expenses coverage: There are several non-medical expenses coverage that are necessary during the hospitalization of a patient. These expenses often comprise gloves, nebulizers, immunization, oxygen masks, disinfectants and other housekeeping charges. The Niva Bupa ReAssure 2.0 (Titanium+) with Disease Management Rider policy covers all kinds of non-medical expenses. However, there is an add-on facility allowing for improved non-medical expense coverage.
• No claim bonus: No claim bonus is the award provided when no claim is made during that specific period of time. The Niva Bupa ReAssure 2.0 (Titanium+) with Disease Management Rider provides a maximum bonus accumulation of 1000%. There is a 100% bonus each year with no reduction in the accumulated bonus.
• Super no-claim bonus: A super no-claim bonus is the process of increasing the coverage in the insured sum for each year without a claim. The Niva Bupa ReAssure 2.0 (Titanium+) with Disease Management Rider does not provide any super no-claim bonus.
• Restoration benefit: The Niva Bupa ReAssure 2.0 (Titanium+) with Disease Management Rider provides restoration benefits to the clients, which are activated after the first claim. This restoration remains triggered forever.  The plan also includes several refill benefits, covering all related and unrelated illnesses. The refill cover can be applied after the first paid claim, and a refill can be applied for unlimited times in a certain year. Partial exhaustion of the sum insured along with no claim bonus will trigger the refill.  The refill will only be triggered when there will be no claim bonus and partial exhaustion of the sum insured.

Niva Bupa ReAssure 2.0 (Titanium+) with Disease Management Rider: Financial Limits

• Room rent limit: Room lent is the limit of the health insurance which the insurer will pay for the hospital room during the hospitalization of the insured. It allows for ensuring the bed charges and the per-day room charges incurred on the patient. The Niva Bupa ReAssure 2.0 (Titanium+) with Disease Management Rider provides no restriction on room rent limit. The insured is free to choose the type of room based on their preferences.
• ICU rent limit: The ICU rent limit is the amount through which Niva Bupa ReAssure 2.0 (Titanium+) with Disease Management Rider will pay for your stay in the intensive care unit.  There is no limit on the ICU rent through this plan. The entire cost of staying in the ICU will be covered.
• Copayment: Copayment is the claim percentage, which is the specific amount the insurer needs to pay for any healthcare service. The Niva Bupa ReAssure 2.0 (Titanium+) with Disease Management Rider does not provide any option for copayment to the insured.
• Deductible: A deductible is a specific amount that needs to be paid by the insured prior to their insurance coverage kicking in to cover the remaining amount. The Niva Bupa ReAssure 2.0 (Titanium+) with Disease Management Rider provides a few options for deductibles at 20K/30K/50K and 100K as options for the customers.
• Limits on surgeries/treatments: There are certain limits on specific medical procedures as provided by the healthcare policies. The Niva Bupa ReAssure 2.0 (Titanium+) with Disease Management Rider has certain limits, especially with cataract and joint replacement surgeries. Their expenses are covered till the sum is insured.

Niva Bupa ReAssure 2.0 (Titanium+) with Disease Management Rider: Waiting Periods & Exclusions

👉 Waiting Periods

The waiting period is also known as the cooling period, where the insured will not be able to claim any policy benefits. The rate of the waiting period is different for different insurance agencies. Furthermore, it is not possible to cover for certain diseases instantly. Let’s discuss the types of waiting periods of the Niva Bupa ReAssure 2.0 (Titanium+) with Disease Management Rider health insurance -

• Initial waiting period: The Niva Bupa ReAssure 2.0 (Titanium+) with Disease Management Rider Health plan has a 30-day waiting period for generic illnesses. During this waiting period, the insured will not be able to make any hospitalisation claims. However, hypertension and diabetes are covered from the 1st day of buying the policy.
• Waiting period for pre-existing conditions: The waiting period for pre-existing conditions depends upon the age, health insurance premium and pre-existing medical conditions of the patient. The Niva Bupa ReAssure 2.0 (Titanium+) with Disease Management Riderhealth has a waiting period of 36 months for pre-existing diseases. During the entire duration, the insured cannot make any claim for their existing illnesses. However, diabetes and hypertension are covered from the 1st day itself.
• Waiting period for specific diseases: The insurers should have their specific list of certain medical illnesses, which will determine their waiting periods. Certain diseases have a longer waiting period, and this is determined by the insurer irrespective of the disease history. The Niva Bupa ReAssure 2.0 (Titanium+) with Disease Management Riderhealth has a waiting period of 24 months for specific illnesses.

👉Exclusions

Exclusions are present in health insurance policies where it is described that certain illnesses cannot be covered at all times. Several exclusions are present in the Niva Bupa ReAssure 2.0 (Titanium+) with Disease Management Rider, which has been provided below.

• Standard Permanent Exclusions:

According to the Insurance Regulatory and Development Authority of India (IRDAI), each healthcare insurance provider should be able to adhere to the standard exclusions under all circumstances.

1. Investigation and evaluation: The process of monitoring and observation during hospital admission.
2. Rest, rehabilitation, and respite care: Medical treatments not requiring any active treatment or surgeries.
3. Obesity/weight control: Any weight loss surgery, procedures or treatments.
4. Gender reassignment: Procedures to change to the opposite sex and modify the gender identity.
5. Plastic/Cosmetic surgery: Any procedure to alter any physical traits of a person.
6. Profession in hazardous or adventure sports: Injuries from participating in activities such as rock climbing, scuba diving, rafting and others.
7. Breach of law: An injured person who has attempted a criminal offence.
8. Excluded providers: Specific medical institutes not covered under the insurance companies.
9. Narcotics: Treatment of substance abuse disorders like alcohol or drugs.
10. Treatments in establishments arranged for domestic purposes: Expenses due to treatments in nursing homes and other institutes for domestic purposes.
11. Dietary supplements and substances purchased without subscription: Supplements for vitamins and minerals not prescribed by the physicians.
12. Refractive error: Treatment of eyesight to 7.5 diopters for the correction of refractive errors.
13. Unproven treatments: Surgical procedures that are deemed to be Ineffective surgical.
14. Expenses related to birth control, sterility, and infertility: Medical procedures like ICSI, ZIFT, IVF, GIFT and other methods of artificial sterilisation and contraception.
15. Maternity expenses: Hospitalization due to childbirth combined with pre-and post-natal care.

• Additional permanent exclusions: All healthcare insurance need to follow the guidelines provided by the IRDAI for their exclusive exclusion list. However, they are also provided with the provision to integrate an additional exclusion for certain medical diseases and illnesses. Insurance companies can exclude a few risky diseases and ailments that they may find difficult to treat. This allows insurance agencies to exclude specific illnesses from their coverage. Moreover, the insurers cannot additionally claim for medical conditions that are already present under the permanent exclusions list.
• Non-Standard exclusions (Specific exclusions): The non-standard exclusions refer to the specific exclusions not provided under IRDAI. The specific exclusion of Niva Bupa ReAssure 2.0 (Titanium+) with Disease Management Rider are listed below -

1. The plan does not cover any disease occurring due to terrorism and nuclear warfare. Illnesses due to rebellion and radiological emissions are also mitigated from the list.  Both direct and indirect impacts of such illnesses will be excluded.
2. Treatment of any external birth defects will not be insured. Additionally, treatments for counselling and screening will also not be covered.
3. Any treatments for dental procedures will not be covered through the plan except if it is caused due to an accident or cancer.
4. A patient who does not have any chance of recovery and is in ventilator support in a brain-dead or vegetative state cannot be insured.

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

• Speed of claims: The rate of claim experience is quite swift for the Niva Bupa Health Insurance Company Limited. It has been observed that around 99.95% of claims have been settled within 30 days. This facilitates a smooth service for all insured people.
• Claim-related complaints: The Niva Bupa Health Insurance Company Limited has around 0.49% of complaints on overall claims, which is high compared to other similar insurers.
• Claim incurred ratio: The claim incurred ratio is 65.44% for the Niva Bupa Health Insurance Company Limited. The financial performance of the insurer can be determined through this ratio.
• Claim settlement ratio: The claim settlement ratio of Niva Bupa Health Insurance Company Limited is 85.18%, which indicates the total number of claims effectively settled by the organisation. This ratio successfully determined how the organisation settled the total claims.
• Network hospitals: The policy covers more than 10,000+ hospitals. This huge network allows for providing cashless treatment modalities to each insured customer.

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

• Policy purchase-related complaints: There are around 0.01% of complaints received for after-sales services. This indicates that policy purchases and claim settlement complaints are quite significant for the organisation.
• Response to Toll-Free: Research suggests that the average response time to toll-free is based on other insurance companies and agents.
• Responses on Twitter: As per the research, the response rate on Twitter is slow than other insurers.

About Niva Bupa Health Insurance Company Limited

Niva Bupa Health Insurance Company Limited was established in 2008 and was earlier known as the Max Bupa Health Insurance Company Limited. It has its headquarters in New Delhi, India. The organisation is a joint venture between Bupa Singapore Holdings Pte. Limited and Fettle Tone LLP. Its turnover is 1025.99 crores. The organisation has 61,36,225 policies and 1,53,167 claims. The health insurance agency provides numerous benefits, such as top-up policies, individual healthcare plans, and family floaters.

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