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ReAssure Family Floater Insurance

Niva Bupa ReAssure Family Floater Health Insurance

Key Features of Niva Bupa ReAssure Family Floater Insurance

ReAssure - Unlimited reinstatement of sum insured for any illness or any person in the same year, triggered from the 1st claim itself so that you can claim as many times as needed
Booster benefit - Doubles the sum insured in 2 claim free years
Health check-up starting from day 1
Safeguard features – Truly cashless feature with coverage even for non-payables like gloves and more
Live healthy benefit – get up to 30% discount on renewal premium basis step count in Niva Bupa Health App
30 min. cashless claims processing

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Sum Insured
2 lacs - 300 lacs options available

Tenure Options
1 year

Claims Incurred Ratio *
54.00%

Claims Settlement Ratio **
85.96%

List of Network Hospitals
4,500+ hospitals

Number of Policies issued *
696,107

Number of Lives Covered *
54,33,000

Maximum Family Floater Coverage
Self, Spouse + 4 dependent children

* As per IRDAI report for 2018-19 | ** As per NL25 data published on the Insurance Company website

Niva Bupa Niva Bupa ReAssure Family Floater insurance plan details

Product Benefit Table (all limits in unless defined as percentage)
Base sum insured	3L, 4L, 5L, 7.5L, 10L, 12.5L, 15L, 20L, 25L, 50L, 75L, 1Cr
Benefits covered upto sum insured	Inpatient care (without any room rent capping)	Home care treatment	Pre and post hospitalization expenses - 60 and 180 days respectively
	Day care treatment	Domiciliary hospitalization
	Alternative treatments	Living organ donor transplant
ReAssure	Unlimited reinstatement of sum insured applicable for any illness or anyone insured (Single claim under this benefit will be payable up to base sum insured)
Booster benefit	In case of claim free year, increase of 50% of base sum insured in a policy year; maximum up to 100% (In case of a claim, reduction of accumulated Cumulative Bonus by 50% of Base Sum Insured)
Health check-up	Annual (From Day 1); For defined list of tests; up to 500 for every 1 Lac sum insured (Individual policy: maximum 5,000 per Insured; Family Floater policy: maximum 10,000 per policy)
Live healthy benefit(1)	Collect health points by taking steps counted on our Niva Bupa Health App and get discount up tp 30% on renewal premium
Modern treatments	Covered up to sum insured with sub-limit of 1 Lac on few robotic surgeries
Second medical opinion	Once for any condition for which hospitalization is triggered
Emergency ambulance	Covered upto 2,000 per hospitalization
Air ambulance	Cashless claim: Covered up to sum insured Reimbursement claim: Covered up to 2.5 Lacs
Shared accommodation cash benefit	Up to 15 Lacs base sum insured: 800 per day (maximum 4,800) Above 15 Lacs base sum insured: 1,000 per day; (maximum 6,000)
Optional Benefits
Safeguard	a. Claim safeguard: Non-payable items paid up to sum insured b. Booster benefit safeguard: No impact on Booster benefit if claims in a policy year is up to 50,000 c. Sum insured safeguard: CPI (Consumer Price Index) linked increase in base sum insured
Hospital cash(2)	Up to 5 Lac base sum insured: 1,000/day 7.5 Lacs to 15 Lacs base sum insured: 2,000/day Above 15 Lacs base sum insured: 4,000/day
Personal accident cover (for insured aged 18 years & above)	5 times of base sum insured; subject to maximum of 1 Crore
(1) Eligible insured person for this benefit will be: a. All members except son/daughter under a Family Floater policy b. Any member of age at least 18 years under an Individual policy (2)Hospital cash - Minimum 48 hrs of continuous hospitalization required. Maximum coverage oered for 30 days/policy year/insured person. Payment made from day one subject to hospitalization claim being admissible.