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Max Bupa

On the face of it, ReAssure is the best policy in its class. Its economical. It covers most bases. It doesn't have outrageous conditions. And it offers a whole host of benefits including unlimited restoration. Meaning every time you're hospitalized they'll restore the cover amount in full. Unfortunately, the aggressive pricing means that Niva Bupa has the tough task of paying out ever larger claims while also managing to keep prices low. Can they do it? We don't know.

What's good here?

special mention
🎉Special Mention

Unlimited Restoration Benefit

Even after you claim part of the cover on one occasion, you will be allowed to claim the full cover any number of times repeatedly if you are hospitalized in the future. All in the same year by the way!!!

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coPay

You’ll never have to split the bill

The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.

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diseaseSublimit

You always have full cover irrespective of the disease

No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.

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dayCare

Day Care treatments covered

If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.

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healthCheckup

Free Health Checkups every year

If you’re planning on getting a full body checkup every year just to make sure you’re in fine working condition, the insurer will cover the costs.

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ayush

Covers Alternative Medicine

Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will cover you fully, up to the sum insured.

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roomRent

You can pick any room you like

Shared room, single room, deluxe room or any room that’s available. The insurer won’t nitpick on your choice of room since the policy has no restrictions on room rent.

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prePost

Pre & Post hospitalization expenses covered

No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 60 days before you are hospitalized and 180 days after discharge. This includes the cost of medication by the way.

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ncb

Special Bonus for being healthy and not claiming insurance

Your sum insured increases by 50% each year, so long as you make no claims during this period. But before you get too ahead of yourself, do note that they’ll stop offering you the bonus when your sum insured increases by 100%. Also, the bonus amount will reduce at same rate each time you make a claim. But hey, it's still a bonus.

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domiciliary

Full coverage even if you are forced to hospitalize at home

The insurer will bear the costs even if you are hospitalized at home due to a condition or the hospital running out of beds. In insurance lingo, they call this a policy with domiciliary cover.

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What's okay here?

ped

Reasonable waiting period for pre-existing diseases

If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.

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Add-ons

Disease Management

This add-on will cut waiting periods to 0 days for the following pre-existing conditions: Hypertension and Diabetes. And if you are currently diagnosed with any of these conditions, it makes sense to opt for this add-on.

Safeguard +

With this add-on, the insurer will increase your cover in line with inflation every year, your bonus amount will not be affected if the claim is less than 1 Lakh in the entire year and you also get extended coverage for generally excluded items like syringes, gloves, PPE kits etc.

Hospital Cash

With this add-on, the insurer will hand out Rs. 1000/day, Rs. 2000/day or Rs. 4000/day in cash every day you stay at the hospital subject to certain limits. The cash is expected to replace your income during the course of your hospitalization.

Safeguard

With this add-on, the insurer will increase your cover in line with inflation every year, your bonus amount will not be affected if the claim is less than ₹50,000 in the entire year and you also get extended coverage for generally excluded items like syringes, gloves, PPE kits etc.

Acute Care

With this add-on, you get unlimited tele-consultations with Doctors (General Medical Practitioners, Specialists & Super Specialists) along with coverage for pharmacy and diagnostics up to a certain limit.

Personal Accident cover

With this add-on, the insurance company will payout a lumpsum of 5x your sum insured, in case the proposer of the policy passes away in an accident. The payout will be made subject to a cap of 1CR in total.

Frequently Asked Questions

Yes. ReAssure imposes 3 kinds of waiting periods -
  • 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
  • Specific Illness Waiting Period: There’s a 2-year waiting period for a list of diseases which is a mandate before you can start claiming.
  • Pre-Existing Disease Waiting Period: There's a 3-year waiting period for any pre-existing disease you may have while buying the policy.
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