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| Feature | Niva Bupa - Health Premia (Gold) | Niva Bupa - ReAssure 2.0 (Bronze) |
|---|---|---|
| Room Rent Limit | NA | Capped |
| Initial Waiting (Days) | NA | 30 |
| Pre-existing Disease Waiting (Years) | 2 | 3 |
| Organ Donor Cover | NA | Yes |
| Modern Treatments | NA | Yes (Covered up to: sum insured) |
| Refill on Exhaustion | Available | Available |
| Refill Illness Applicability | Related and unrelated illness | Related and unrelated illness |
| Refill Trigger | Partial exhaustion of Sum Insured | Partial exhaustion of Sum Insured |
| Refill Limit | Once in a policy year | Unlimited times in a policy year |
| Refill Applicable Claim | Subsequent claims | First paid claim |
| Consumables | NA | Yes |
| % Settled < 30 Days | 99.95% | 99.95% |
| % Complaints on Claims | 0.43% | 0.43% |
| Incurred Claim Ratio | 61.64% | 61.64% |
| Claim Settlement Ratio (No.) | 90.64% | 90.64% |
| Claim Settlement Ratio (Value) | 74.32% | 74.32% |
| Claim Rejection Ratio | 7.30% | 7.30% |
| Cashless Hospitals | 10,000+ | 10,000+ |
| Plan Type | Individual | Individual / Family Floater |