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- Insuring You
- Eldest Member Age: 26-30
- Sum Insured: ₹ 5L
Priced Moderate
Niva Bupa Health ReAssure
- Product features85/100
- Price62/100
- Claims experience70/100
The 1 Finance Score is a weighted average based on price, product features, and claims experience.
11Must-Look Features
Room RentNo sub-limits on room rent- No Claim Bonus (NCB)Max up to 100% of SI
- Recharge of SI (RSI)Unlimited reinstatements of SI applicable for any illness in a policy year
- Pre-Existing Diseases (PED)Covered after 3 years
- Co-payment (Co-Pay)No Co-pay
- Health and WellnessRewards for healthy behaviour available
Claims Experience
- Claim Settlement Ratio (CSR) - Number92.02%
- Claim Settlement Ratio (CSR) -Amount73.34%
- Incurred Claim Ratio (ICR)59% signifies fair pricing & claims payments
- Ageing of Claim100.00%
- Network Hospitals10000
- Pre-hospitalisation60 days
- Post-hospitalisation180 days
- Daycare treatmentsCovered up to SI
- Ambulance coverUp to ₹2,000 per hospitalisation
- Domiciliary hospitalisationCovered up to SI
- Organ donor coverCovered up to SI
- Second opinionOnce for any condition for which hospitalisation is triggered
- Daily allowance
₹1,000 per day (up to the base SI:₹5L) ₹2,000 per day (SI : ₹7.5L and ₹15L) ₹4,000 per day (Above base SI:₹15L)
- AYUSH treatmentCovered up to SI
- Modern treatment methodsCovered up to SI with a sub-limit of ₹1L on a few robotic surgeries
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About Niva Bupa Health
Niva Bupa, formerly Max Bupa, is a leading health insurance company in India. It's a partnership between Bupa, a UK-based healthcare services provider, and India's private equity firm "True North." In June 2011, it became the first health insurance company in India to integrate with the Insurance Regulatory and Development Authority's (IRDA) integrated grievance management system in real-time.
About Niva Bupa Health
Niva Bupa, formerly Max Bupa, is a leading health insurance company in India. It's a partnership between Bupa, a UK-based healthcare services provider, and India's private equity firm "True North." In June 2011, it became the first health insurance company in India to integrate with the Insurance Regulatory and Development Authority's (IRDA) integrated grievance management system in real-time.
- FOUNDED IN2008
- CEOKrishnan Ramachandran
- HEADQUARTERSNew Delhi, India
- AUM₹3,369.14 Cr
- GROSS WRITTEN PREMIUMS (GWP)₹5,607.57 Cr
- COMBINED RATIO98.76%
Combined ratio assesses an insurance company's financial health by indicating the percentage of earned premiums used for claims and expenses.
A combined ratio below 100% means the company profits from underwriting, while a ratio above 100% implies it pays out more in claims and expenses than it collects in premiums.
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