Niva Bupa Reassure 3.0

Overview

The Niva Bupa ReAssure 3.0 health plan makes it easier than ever to guarantee lifetime protection for you and your family. It offers a coverage limit of ₹1 crore, complete protection, and extensive innovative features that make health insurance truly limitless. If you are looking for Niva Bupa Health Insurance ReAssure 3.0, this plan provides unlimited coverage and strong long-term protection.

Medical inflation is rising at an annual rate of 12-14% each year. Treatments for serious diseases like cancer, organ transplants, or cardiac surgery can easily cost ₹20-40 lakh. The ICMR recorded 26.7 million total cancer cases in 2021, and they expect the number to climb to 29.8 million by 2025. Any health crisis can harm your financial security.

To better prepare you for any possible health crisis, Niva Bupa offers ReAssure 3.0, an improved version of its ReAssure 2.0 plan. Niva Bupa has upgraded its ReAssure plan with new features and stronger benefits. The ReAssure 3.0 Niva Bupa version now offers lifetime protection, unlimited cover, wellness benefits, and a global treatment option.

ReAssure 3.0 offers four plan variants depending on your coverage needs:

• Classic: Base coverage option with essential benefits at an affordable premium.
• Select: Affordable option with essential coverage.
• Elite: Wider hospital access with higher benefits.
• Black: Premium unlimited coverage with global healthcare access.

So, if you want to buy a health insurance policy for 6 family members, this plan is for you. Read below to understand the benefits of the plan.

Main Features of the Niva Bupa ReAssure 3.0 Plan

The Niva Bupa Health Insurance ReAssure 3.0 plan offers multiple features designed for high and flexible coverage. Here is a simple breakdown of benefits and how they help during claims.

The Niva Bupa ReAssure 3.0 plan offers the following key features:

Unlimited Base Sum Insured

Provides unlimited coverage from day one for all hospitalizations, eliminating the need for top-ups or floaters.

Carry-Forward / Booster+

Unused coverage can be carried forward year-on-year (up to 10x base SI) for future high-cost treatments.

ReAssure Forever

Each claim reinstates unlimited cover, ensuring continuous protection for future claims.

Lock the Clock Premium

Premiums are fixed to the entry age until the first claim, protecting against premium jumps due to aging.

Hospitalization & Treatment Cover

Covers room/ICU, doctor/surgeon fees, procedures, medicines, ICU charges, daycare treatment, pre-hospitalization (60 days), post-hospitalization (180 days), and domiciliary treatment.

Room & Ambulance

Room rent as per variant; ambulance costs: Classic/Select ₹2,000, Elite/Black higher including air ambulance.

COVID-19 Cover

Full coverage of COVID-19 treatment from day one.

Wellness & Preventive Care

Includes annual health check-ups, wellness programs, and rewards for healthy living.

PED Day-1 Cover (Optional)

Option to cover 145 listed pre-existing conditions from day one.

Optional International Treatment (Borderless)

Select ₹10 lakh, Elite ₹50 lakh, Black ₹5 crore for overseas hospitalization.

Wellness Rewards & CashBack+

Premium discounts, claim-free bonuses, and incentives for a healthy lifestyle.

Lifetime Renewability

Guaranteed renewal for life, subject to premiums being paid. Grace period 30 days.

Payout - Hospitalization

Cashless or reimbursement settlement for unlimited sum insured.

Optional Daily Cash

Classic/Select ₹1,000/day, Elite ₹2,000/day, Black ₹4,000/day during hospitalization.

Personal Accident (Optional)

Lump sum on accidental death or disability, sum insured as chosen.

OPD Cover (WellConsult+)

Outpatient consultations, diagnostics, medicines, physiotherapy, dental/eye care, and mental health. Limit up to 5x annual base premium.

Network & Co-pay Options

Co-pay 0-50% or deductible ₹0-₹5 lakh to reduce premiums. Tiered network discount available.

Riders in ReAssure 3.0 Health Plan

The ReAssure 3.0 Niva Bupa provides an extensive base coverage plan, but you have even more choices to customize your policy with optional riders based on your health needs. Below is an overview of the options available:

• Personal Accident Cover

  It provides financial protection against accidental death, permanent total disability, and permanent partial disability. This rider will protect you and your family from unplanned accidents.

• Hospital Daily Cash

  It provides a daily cash allowance during hospitalization to help you pay for incidental expenses. This rider is very useful for expenses not directly related to medical treatments.

• Critical Illness Cover

  The rider pays a lump sum amount on the diagnosis of one of the listed critical illnesses, such as a heart attack, stroke, or cancer. This rider provides financial support in stressful times.

• International Treatment

  Provides medical treatment received outside India. If you are traveling abroad or looking for treatment assistance, your insurer offers a borderless medical experience with peace of mind.

• Safeguard+

  It enhances main coverage, e.g., claim safeguard, booster+ safeguard, and sum insured safeguard. It also centrally protects against all medical expenses.

Inclusions

• Hospitalization Benefits: In-patient hospitalization (room rent, ICU, doctor's fee, medicines, nursing, etc.)
• Pre-hospitalization expenses: (up to 60 days)
• Post-hospitalization expenses: (up to 180 days)
• Daycare treatment: (procedures not requiring 24 hours of stay)
• Domiciliary hospitalization: (treatment at home when hospital not possible)
• Emergency & Ambulance: Road ambulance (up to sum insured or specified limit as per variant)
• Air ambulance: (up to ₹5 lakh per hospitalization under Elite/Black)
• Compassionate travel: (covered under add-on)
• Modern & Alternative Treatments: Modern treatments like robotic surgery, oral chemotherapy, stem cell therapy (bone marrow transplant)
• AYUSH treatment: (Ayurveda, Yoga, Unani, Siddha, Homeopathy) in recognized hospitals
• Special Coverages: Organ donor expenses (donor's hospitalization for harvesting organ)
• Cataract treatment: (covered with sub-limits, depending on variant)
• COVID-19 treatment: (covered)
• Vaccinations: for specified diseases (covered)
• E-consultations: (unlimited)
• Annual health check-ups: (cashless, from day 1)
• Second medical opinion: (including express/3rd opinion options)

Exclusions

• Breach of law (criminal acts or violation of law)
• Chemical, biological, nuclear or radiation-related incidents
• Circumcision (unless necessary for treatment of illness/injury)
• Conflict & disaster (war, invasion, riot, strike, nuclear weapons/materials)
• Cosmetic surgery (unless medically necessary due to accident/burn/cancer)
• Dental treatment (except when requiring hospitalization due to accident)
• Hormone replacement therapy, sex change or gender reassignment surgery
• Sleep disorders and treatment for obesity or weight control
• Treatment of sterility, infertility, assisted reproduction (IVF, surrogacy)
• Treatment received outside India (unless global cover add-on is taken)
• Treatment for alcohol, drug or substance abuse, and rehabilitation
• Treatment in establishments not recognized as hospitals
• Experimental, investigational or unproven treatments
• OPD and wellness services (unless covered by add-ons)
• Rest cure, rehabilitation, respite care, and long-term custodial care
• Self-inflicted injuries, suicide, or attempted suicide
• Congenital diseases (external and internal)
• HIV/AIDS and related conditions (unless specifically covered)
• Stem cell therapy, except bone marrow transplant
• Non-prescription, cosmetic, and health supplements
• Any treatment required due to participation in adventure sports or hazardous activities unless specifically covered

Why Choose ReAssure 3.0?

Apart from the features already covered, Niva Bupa ReAssure 3.0 provides the following key features:

• Daycare & advanced procedures (minor surgeries, dialysis, chemotherapy, transplants)
• AYUSH treatments (Ayurveda, Yoga, Unani, Siddha, Homeopathy)
• Second medical opinion for critical illnesses
• No claim bonus / claim-free rewards (Booster+)
• Family floater & individual options with unlimited cover
• Emergency & ambulance services (road & optional air)
• Wellness app integration for health tracking and discounts
• Customizable deductible & co-pay options
• Global assistance & telemedicine for international treatment
• Fast-track claim settlement for Elite/Black variants