Niva Bupa Health Insurance Company Limited
ReAssure 3.0
Niva Bupa's premium-segment ReAssure 3.0
UIN NBHHLIP26047V012526We don't sell this — we'll still recommend if it fits
The dealbreaker fields
Max cover
₹10 cr
Claim settlement (CSR)
98.5%
PED waiting
36 months
Specific disease wait
36 months
Mandatory co-pay
0%
Room rent prop. ded.
No
Pre / post hosp.
60 / 180 days
Network hospitals
10,000+
Free look
30 days
What this plan does well
- 3-TIER SI sequence: Base SI → Booster+ → ReAssure+ (UNLIMITED restoration) — DEALBREAKER ADVANTAGE
- ReAssure+ UNLIMITED times restoration after Base + Booster+ exhausted
- Booster+ Sum Insured — CB-equivalent carry-forward between Base and ReAssure+
- 2-hour minimum hospitalisation (vs industry 24-hour) — DISTINCTIVE
- PED waiting only 36 months (improved from ReAssure 2.0 48mo)
- Wide SI range up to ₹10 Cr
- AYUSH up to SI
- Modern Treatments up to SI
Watch out for
- Specific waiting up to 36 months (vs industry 24mo)
- Classic + Select variants — ONLY Mono-focal Lens for Cataract (DEALBREAKER for higher variants)
- Higher room category triggers Co-payment per Annexure V on ENTIRE CLAIM
- Automation machine for peritoneal dialysis NOT covered (specific exclusion)
- MRI/CT/Endoscopy/Colonoscopy without treatment NOT covered
- India-only coverage (no international)
Is this the right plan for you?
Run the 30-second cover calculator. We'll tell you whether this plan, or a different one, is the better fit.
Find my right cover →We don't directly sell this plan today. If our verdict says this is your best fit, we'll point you to a broker who does — and tell you our paired listed alternative so you can decide.