The perfect health plan for individuals and families, Niva B ...Read More
The perfect health plan for individuals and families, Niva Bupa ReAssure 3.0, includes coverage of ₹1 crore, unlimited reinstatement, Booster+, wellness rewards, premium lock plus optional global treatment benefits. ...Read Less
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Anshika Ojha is a content writer with more than 2 years of experience and holds expertise across various formats of content. She focuses on simplifying health insurance jargon and making it easy for readers to understand.
Health Insurance
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Updated on Sep 09, 2025 5 min read
Nothing Seems Impossible
The Niva Bupa ReAssure 3.0 health plan has made it easier than ever to guarantee lifetime protection for you and your family, with a coverage limit of ₹1 crore, complete protection, and extensive innovative features that make health insurance truly limitless.
Medical inflation is rising at an annual rate of 12-14% each year. Treatments for serious diseases like cancer, organ transplant, or cardiac surgery can easily cost ₹20-40 lakh. The ICMR recorded that from 26.7 million total cancer cases in the year 2021, they expect the number to climb to 29.8 million by the year 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, which provides lifetime protection, has unlimited cover, wellness benefits, and a global treatment option.
ReAssure 3.0 offers four plan variants depending on your coverage needs:
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.
Health Insurance Plans
Choose 1st Plan
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Health Insurance Plan
To understand Niva Bupa Reassure 3.0 Insurance in detail, take a look at the below table:
Adult - 18 Years, Child - 91 Days
Individual and Family Health Insurance
Unlimited
30 days to 36 months Days
Lifelong
1 year, 2 years, or 3 years
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
The Niva Bupa Reassure 3.0 plan offers the following key features.
Feature / Benefit | Details / How it is useful |
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 fixed to entry age until 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 ₹10L, Elite ₹50L, Black ₹5Cr for overseas hospitalization. |
Wellness Rewards & CashBack+ | Premium discounts, claim-free bonuses, incentives for 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, mental health. Limit up to 5x annual base premium. |
Network & Co-pay Options | Co-pay 0-50% or deductible ₹0-₹5L to reduce premiums. Tiered network discount available. |
Niva Bupa Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Niva Bupa Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Niva Bupa Reassure 3.0 covers all the major medical expenses. Apart from that, modern treatment is also a part of the inclusions. The full list of inclusions has been given below:
Before buying the plan, you must know what is not covered in the plan. These are the major exclusions of the Niva Bupa Reassure 3.0.
Apart from the features already covered, Niva Bupa Reassure 3.0 provides the following key features:
To cater to the different medical needs of an individual & their family, Niva Bupa Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to Niva Bupa Health Insurance plans explore more:
Individual and Family Health Insurance
Nothing Seems Impossible The Niva Bupa ReAssure 3.0 health plan has made it easier than ever to guarantee lifetime protection for you and your family,...
Unique Features
Individual and Family Health Insurance
The Niva Bupa Rise Plan introduces a new era of health insurance, combining essential coverage with unique advantages. Specifically designed for the m...
Unique Features
Group Health Insurance
Max Bupa Health Insurance rebranded itself to Niva Bupa Health Insurance on July 5th, 2021. With this change, the insurer introduced multiple new heal...
Unique Features
Critical Illness Health Insurance
CritiCare, a plan that gives health and financial protection to you and your family against 20 critical illnesses! The critical illness can be contagi...
Unique Features
Individual and Family Health Insurance
Niva Bupa, formerly known as Max Bupa, is a leading health insurance company in India with a collaboration between Max India Limited and Bupa, a UK-ba...
Unique Features
Senior Citizen Health Insurance
Niva Bupa Senior First is a senior citizen health plan packaged with features that give policyholders the assurance of good health at all times. So wh...
Unique Features
Individual and Family Health Insurance
Go an extra mile for the health of your family with Niva Bupa Health Recharge Niva Bupa Health Pulse Plan protects you and your family's health and pr...
Unique Features
Individual and Family Health Insurance
Niva Bupa Health Premia is a comprehensive health insurance plan that offers complete coverage to an individual and their family. The plan offers wide...
Unique Features
Individual and Family Health Insurance
Nothing Seems Impossible A comprehensive plan that gives coverage against any medical emergency for you and your family members. One of the various fu...
Unique Features
Individual and Family Health Insurance
The Smart Just Got Smarter The all-new, improved and comprehensive plan that will keep you and your family, financially secure during any unexpected m...
Unique Features
Individual and Family Health Insurance
A plan that keeps giving you more. Niva Bupa Health ReAssure is specially designed to protect you and your family during medical emergencies. It gives...
Unique Features
Individual and Family Health Insurance
Niva Bupa Money Saver health insurance plan is a combination of two separate health plans- Niva Bupa Health Companion and Niva Bupa Health Recharge. I...
Unique Features
Individual and Family Health Insurance
Niva Bupa Super Saver is a comprehensive health insurance plan that consists of two separate plans- Niva Bupa Health Pulse and Niva Bupa Health Recha...
Unique Features
Individual and Family Health Insurance
Your Niva Bupa GoActiveTM plan has exclusive features to provide for all your health insurance needs. There could be several incidences that lead us t...
Unique Features
Top Up and Super Top Up
Go an extra mile for the health of your family with Niva Bupa Health Recharge Niva Bupa Health Recharge (formerly known as Max Bupa Health Recharge) i...
Unique Features
Individual and Family Health Insurance
With all the haze of 'this policy is not gonna work for every medical emergency', don't get fooled again. Niva Bupa Arogya Sanjeevani health policy is...
Unique Features
Individual and Family Health Insurance
"Introducing a health insurance that rewards you for starting young." A plan that allows you to go for overseas treatment. Several health insurance p...
Unique Features
Critical Illness Health Insurance
Health dangers are rapidly increasing in today's fast-paced world, which includes some chronic life-threatening diseases. Anyone can have a critical i...
Unique Features
PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. You can input your details and check out some of the most suitable health insurance policies for your specific requirements. This is the easiest, most efficient, spam and gimmick-free way to buy health insurance today.
Niva Bupa ReAssure 3.0 is a full-fledged medical insurance product providing unlimited reinstatement with Booster+, Lock the Clock, wellness discounts, and optional global treatment coverage
The minimum entry age is 18 years for adults and 91 days for children, while the maximum entry age is 99 years for adults and 30 years for children.
No, maternity expenses and newborn baby cover are not included under Niva Bupa ReAssure 3.0.
Niva Bupa has a claim settlement ratio of 98%.
The sum insured available under Niva Bupa ReAssure 3.0 can vary between ₹3 lakh up to ₹1 crore, depending on the variant chosen.
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February 5, 2023
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