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Niva Bupa ReAssure 3.0 unlimited
Boundless Financial Security — Unlimited Base Sum Insured & Worldwide Care up to ₹5 Crore
Boundless financial security featuring unlimited base sum insured, unlimited in-patient care, unlimited modern treatments, and international medical treatment coverage up to ₹5 Crore.
Plan Details & Concept
Niva Bupa ReAssure 3.0 unlimited is Niva Bupa's flagship, ultra-premium healthcare plan designed for individuals and families who refuse to compromise when it comes to medical treatment. Removing the conventional concept of coverage caps entirely, Niva Bupa ReAssure 3.0 unlimited provides an Unlimited Base Sum Insured from day one — giving you the assurance that no illness or hospital bill will ever exceed your insurance protection.
Whether facing complex oncological treatments, cardiovascular procedures, organ transplants, or modern robotic surgeries, Niva Bupa ReAssure 3.0 unlimited covers in-patient care with zero room capping, unlimited ICU days, and comprehensive pre/post-hospitalization. Furthermore, it incorporates 'Borderless Treatment for Specified Illnesses', offering up to ₹5 Crore coverage at accredited global medical institutions worldwide.
Core Benefits & Highlights
Unlimited Base Sum Insured
Boundless financial protection for any number of claims without sum insured limits
Unlimited In-Patient Hospitalisation
Complete coverage for room, nursing, surgeon, and ICU fees with no caps
Borderless Worldwide Care
Up to ₹5 Crore coverage for specified critical illnesses at top global medical centres
Modern & Robotic Treatments
100% cashless coverage for advanced surgeries, robotic procedures, and stem cell therapy
Day 1 Pre-Existing Disease Cover
Waive pre-existing condition waiting period completely with optional rider
Pre & Post Hospitalization
60 days pre-hospitalization and 180 days post-hospitalization medical expenses covered
No Room Rent Capping
Enjoy treatment in Single Private, Deluxe or Suite rooms without financial deductions
AYUSH Treatment
Complete coverage for Ayurvedic, Homeopathic, and Unani inpatient hospitalizations
Air Ambulance Included
Air ambulance transport covered up to ₹5 Lakh per policy year in network
Executive Health Check-Up
Comprehensive annual diagnostic check-up from Day 1 for all covered members
Inpatient & Hospitalization Scope
| Coverage Benefit | Coverage Limit / Terms |
|---|---|
| Base Sum Insured | Unlimited Base Sum Insured — No upper limit on eligible hospitalization and surgical expenses |
| In-Patient Hospitalization | Complete cashless coverage with unlimited duration for room, nursing, surgeon, and ICU fees |
| Room Rent & Luxury Suites | No room rent capping — access to Single Private Rooms, Deluxe Suites, and Super Deluxe rooms |
| Worldwide Borderless Care | Up to ₹5 Crore coverage for specified critical illnesses at accredited international hospitals |
| Modern & Robotic Treatments | 100% coverage for robotic surgeries, cyberknife, stem cell therapies, and targeted oncological drugs |
| Pre & Post Hospitalization | 60 days pre-hospitalization and 180 days post-hospitalization medical expenses covered with no sub-limits |
| Day Care Procedures | All recognized day care treatments covered with 100% cashless settlement |
| AYUSH Hospitalization | Full coverage for Ayurvedic, Homeopathic, and Unani inpatient therapies up to actuals |
| Air & Road Ambulance | Road ambulance up to actuals; Air ambulance covered up to ₹5 Lakh per policy year |
| Organ Donor Comprehensive Cover | Full coverage for organ transplantation, including donor hospitalization and post-op care |
| Domiciliary & Home Care | Covered up to actual medical costs when hospital beds are unavailable or patient cannot be moved |
| Annual Elite Health Check-Up | Comprehensive executive diagnostic health panel from Day 1 for all covered members |
Advanced Policy Innovations
- Truly Unlimited Sum Insured: Never worry about policy exhaustion — file multiple claims throughout the year with no cap
- Borderless Global Treatment: Up to ₹5 Crore coverage for 16 major critical illnesses across top global hospitals in USA, UK, Singapore, Europe
- Zero Sub-Limits Anywhere: No room caps, no doctor fee limits, no ICU caps, no modern surgery restrictions
- Day-1 PED Coverage Option: Waive pre-existing condition waiting period completely from Day 1 with optional rider
- Lock the Clock Entry Age Rate: Lock your entry age premium until your first claim is paid, locking in substantial long-term savings
- Priority VIP Concierge: Dedicated relationship manager, priority hospital desk admission, and second opinion from international doctors
Customize With Optional Riders
Safeguard+ Consumables Shield
Full coverage for 68 non-payable items (PPE, belts, gloves, dressings, syringes, oxygen masks)
Global Travel & Medical Rider
Worldwide emergency medical evacuation, repatriation, and trip disruption insurance
High-Value Personal Accident
Lump sum compensation up to ₹1 Crore for accidental demise or permanent disability
Hospital Daily Cash Plus
₹2,000 to ₹5,000 daily cash allowance up to 30 days per policy year
WellConsult+ Premium OPD
Unlimited virtual consultations + ₹20,000 annual physical specialist & pharmacy allowance
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 (Self, Spouse, up to 4 Children, Parents).
Policy Term: 1, 2, or 3 years.
Waiting Periods: 30 days initial waiting period (waived for accidents), 24 months for specified conditions, 36 months for pre-existing diseases (waivable from Day 1 with optional rider).
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 unlimited. 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 unlimited with all terms, waiting periods, and schedules.
Download Plan Brochure