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Niva Bupa ReAssure 3.0
Go Limitless — Next-Gen Health Protection with 10X Booster+ and Day 1 Pre-Existing Disease Cover
Advanced healthcare protection featuring Booster+ carry forward up to 10X, Day 1 pre-existing disease coverage option, Lock the Clock entry-age savings, and worldwide borderless treatment.
Plan Details & Concept
Niva Bupa ReAssure 3.0 represents Niva Bupa's most advanced iteration of healthcare coverage, engineered for forward-thinking families who demand unparalleled flexibility and borderless clinical security. Featuring four distinct variant tiers — Classic, Select, Elite, and Black — ReAssure 3.0 empowers policyholders to customize their health cover exactly to their lifestyle and medical expectations.
Key highlights include Booster+ allowing unutilized Sum Insured to accumulate up to 10X (up to 1,000% of base SI), the groundbreaking Day-1 Pre-Existing Disease waiver option for immediate coverage of chronic conditions, and Borderless Medical Care allowing treatments for critical ailments at premier healthcare institutions worldwide.
Core Benefits & Highlights
Booster+ up to 10X
Unutilised Base Sum Insured carries forward to the next policy year up to 10X (up to 1,000%)
Lock the Clock
Pay premium as per your entry age until a claim is paid (Elite & Black)
Day 1 Pre-Existing Disease Cover
Option to cover pre-existing Diabetes, Hypertension & Asthma from day one
Four Distinct Variants
Choose between Classic, Select, Elite, and Black variants to suit your exact budget
HeadsUp Care Guide
Call 48 hours prior to planned hospitalisation for expert guidance at recommended network providers
No Sub-Limits on Modern Care
Stem cell therapy, deep brain stimulation, and robotic surgeries fully covered
Pre & Post Hospitalization
60 days pre-hospitalization and 180 days post-hospitalization medical expenses covered
AYUSH Treatment
Inpatient treatment under Ayurveda, Yoga, Unani, Siddha, and Homeopathy covered up to SI
Air Ambulance Cover
Air ambulance cover up to ₹5 Lakh per policy year in network facilities (Elite & Black)
Preventive Annual Check-Up
Comprehensive cashless check-up from Day 1 for all covered adults
Inpatient & Hospitalization Scope
| Coverage Benefit | Coverage Limit / Terms |
|---|---|
| Sum Insured Options | ₹5 Lakh, ₹10 Lakh, ₹15 Lakh, ₹25 Lakh, ₹50 Lakh, and ₹1 Crore across Classic, Select, Elite & Black variants |
| In-Patient Hospitalization | Covered up to Sum Insured with 2+ hours admission requirement across all network hospitals |
| Room Rent & Accommodation | Classic: General Room | Select: Twin Sharing | Elite: Single Private Room | Black: Any room without capping |
| Booster+ Carry Forward | 100% of Base Sum Insured added per year up to 10X (1,000%) with no reduction on claims |
| Day 1 Pre-Existing Disease Cover | Optional waiver allows pre-existing Diabetes, Hypertension, and Asthma to be covered from Day 1 |
| Pre & Post Hospitalization | 60 days pre-hospitalization and 180 days post-hospitalization medical expenses covered up to SI |
| Modern Treatments & Robotics | All 12 advanced medical methods (Robotic surgeries, Stem cell, Stereotactic Radio) covered up to SI |
| AYUSH Alternative Medicine | Covered up to 100% Base Sum Insured in government/recognized AYUSH hospital facilities |
| Road & Air Ambulance | Road ambulance up to ₹5,000; Air ambulance covered up to ₹5 Lakh in a policy year (Elite & Black) |
| Organ Donor Hospital Expenses | Comprehensive coverage for harvesting organs and hospitalization expenses of the donor |
| HeadsUp Care Concierge | Pre-hospitalization clinical concierge advising on specialized hospitals and priority cashless desks |
| Annual Preventive Health Check | Cashless full-body diagnostic test from Day 1 for all adult insured members |
Advanced Policy Innovations
- Booster+ up to 10X: Accumulate up to 10 times your base sum insured for unutilized claim years — turning ₹10L into ₹1 Crore
- Day-1 PED Coverage: Waiver option eliminates standard 36-month waiting period for designated lifestyle diseases from Day 1
- Lock the Clock: Pay premium according to your entry age until your first claim is filed (Elite & Black variants)
- Four Tailored Variants: Classic, Select, Elite, and Black to provide granular control over room rent, riders, and pricing
- Live Healthy Smart Discount: Earn up to 30% renewal premium discounts by logging active steps and vitals on Niva Bupa App
- Zero Copayment Option: Full claim settlement without mandatory copay across all network hospitals pan-India
Customize With Optional Riders
WellConsult+ OPD Rider
Covers out-patient consultations, pharmacy prescriptions, diagnostic tests, and gym memberships up to 5X premium
Safeguard+ Consumables
Covers 68 non-payable medical items, protects Booster+ from single claims, and adds CPI inflation hedge
Personal Accident Cover
Lump sum payout up to ₹1 Crore for accidental death and permanent total disability
Hospital Daily Cash
₹1,000 to ₹4,000 per day for up to 30 days per hospitalization episode
International Travel Cover
Worldwide emergency medical assistance up to US$ 50,000 while traveling abroad
Entry Guidelines & Waiting Periods
Minimum Entry Age: 18 years for adults, 91 days for children.
Maximum Entry Age: No upper age limit for primary adults, 24 years for dependent children.
Cover Type: Individual or Family Floater.
Policy Term: 1, 2, or 3 years.
Waiting Periods: 30 days initial waiting period (waived for accidents), 24 months for specified ailments, 36 months for pre-existing conditions (waivable to Day 1 with optional add-on).
Our Healthcare Commitments
30 Mins
Cashless Claim Processing
10,000+
Network Hospitals
24x7
Customer Service Support
10 Lakh+
Claims Successfully Processed
Regulatory Disclaimer
Niva Bupa Health Insurance Company Limited. Registered Office: C-98, Lajpat Nagar 1, New Delhi-110024. Corporate Office: Logix Cyber Park, Tower B, Sector 62, Noida, UP-201301. IRDAI Registration No. 145. Product Name: Niva Bupa ReAssure 3.0. UIN: NBHHLIP26047V012526. CIN: U66000DL2008PLC182918. Insurance is a subject matter of solicitation.
Official Policy Brochure
Download the complete product brochure for Niva Bupa ReAssure 3.0 with all terms, waiting periods, and schedules.
Download Plan Brochure