Niva Bupa ReAssure 3.0 Health Insurance
Niva Bupa Health Insurance has introduced ReAssure 3.0, one of the most advanced health insurance solutions available in India. Built on the success of its earlier version, this new plan is designed to provide unlimited protection, global coverage, and lifelong peace of mind. With options tailored for individuals, families, and seniors, ReAssure 3.0 offers flexibility, wellness benefits, and reward programs that go far beyond traditional health plans. Whether you want coverage within India or overseas, ReAssure 3.0 ensures your healthcare needs are met without compromise.
Key Benefits of Niva Bupa ReAssure 3.0
- Unlimited Base Sum Insured across all variants
- Day 1 Coverage for pre-existing conditions (optional with loadings)
- Global Treatment Benefits up to ₹5 crore
- Wellness and OPD coverage through WellConsult+
- Cashback on renewal premiums via CashBag+
- Personal Accident Coverage up to ₹1 crore
- ElderOne Services for senior citizens
- HeadsUp Service with guided hospitalization support
- Lifelong renewability with no upper age limit
Why Choose Niva Bupa ReAssure 3.0?
- Unlimited protection for hospitalization expenses, organ donor treatments, and domiciliary care
- Flexible co-pay options (0%–50%) to adjust premiums
- Global coverage for specialized treatments and illnesses
- Reward system for staying healthy and claim-free
- Exclusive benefits for seniors and family-focused plans
- Digital-first experience with unlimited e-consultations and app-based health tracking
- Lock the Clock: Freeze premium at entry age (Elite & Black)
- Live Healthy: Up to 30% renewal discount for maintaining good health
- Unlimited Second Opinions: Access multiple medical reviews
- Unlimited E-Consultations: Free digital doctor consultations
- Surprise Benefit: Additional rewards via the Niva Bupa app
- CashBag+: Renewal premium cashback (up to 20% for claim-free years)
- NivaBupaOne: Priority claims processing, executive health assessments
- ElderOne: Specialized healthcare support for senior citizens
- HeadsUp: Guided hospitalization with provider discounts
- WellConsult+: OPD, diagnostics, pharmacy, gym memberships
- Claim Safeguard+: Coverage of non-payable expenses
Borderless Coverage
- Treatment across India and overseas
- Coverage ranges from ₹10 lakh to ₹5 crore, depending on variant
- Co-pay options available (0%–50%)
- International coverage extends to specified critical illnesses and advanced treatments
Plan Variant Comparison
| Variant | Room Eligibility | Modern Treatments |
|---|---|---|
| Classic | General Room | ₹1 lakh limit |
| Select | Twin Sharing | ₹1 lakh limit |
| Elite | Any Room (except Deluxe/Suite) | Unlimited |
| Black | Any Room | Unlimited |
| Variant | Global Cover | Personal Accident Cover |
|---|---|---|
| Classic | Not Available | ₹10 lakh |
| Select | ₹10 lakh | ₹20 lakh |
| Elite | ₹50 lakh | ₹50 lakh |
| Black | ₹5 crore | ₹1 crore |
Eligibility
| Entry Age | 18 years onwards (children from 90 days) |
| Family Floater Option | Available |
| Lifelong Renewability | Yes |
| Policy Terms | 1, 2, or 3 years |
| Sum Insured | Unlimited (with variant-based sub-limits) |
Frequently Asked Questions
Disclaimer: This information is not a contract of insurance. Please refer to the official Policy wording document for precise terms and conditions. All benefits are subject to policy terms and underwriting.