Niva Bupa ReAssure 3.0
Your Health Insurance Without Limits
Niva Bupa ReAssure 3.0
Your Health Insurance Without Limits
Overview
Niva Bupa's ReAssure 3.0 is an advanced health insurance plan designed for individuals and families, offering a truly "limitless" approach to health coverage. It features a unique unlimited sum insured, innovative benefits that reward a healthy lifestyle, and flexible options to meet diverse healthcare needs.
Key Features
ReAssure Forever
This is the cornerstone of the plan. After the first claim, your base sum insured is restored an unlimited number of times for the same or different illnesses within a policy year. This benefit lasts forever.
Booster+
For every claim-free year, you receive a 50% increase in your base sum insured, up to a maximum of 100% (or up to 10x the base sum insured depending on the variant). This doubles your coverage in just two claim-free years.
Lock the Clock
Your premium is locked at your entry age and will not increase due to age at renewal, until you make your first claim.
Live Healthy
Earn up to a 30% discount on your renewal premium based on your step count and other wellness activities, encouraging a healthy lifestyle.
Day 1 Pre-Existing Disease Coverage
An optional add-on that allows you to get coverage for pre-existing diseases from day one, waiving the typical waiting period.
Niva Bupa One
An exclusive membership that provides executive health assessments, priority claims processing, and dedicated support services for a premium experience.
Comprehensive Coverage
The plan offers extensive coverage for a wide range of medical expenses, including:
- In-Patient Hospitalization: Covers expenses for hospital stays of 2 hours or more, including room rent, ICU charges, and doctor fees.
- Pre & Post Hospitalization: Medical expenses are covered for 60 days before and 180 days after hospitalization.
- Daycare & Domiciliary Treatment: All daycare procedures (not requiring a 24-hour stay) and approved home-based treatments are covered up to the sum insured.
- Modern Treatments: Advanced treatments like robotic surgery, immunotherapy, and stem cell therapy are covered.
- Annual Health Check-ups: Get cashless health check-ups from day one of the policy.
- Ambulance Charges: Covers both road and air ambulance expenses.
- Organ Donor Expenses: Hospitalization costs for the organ donor are covered in case of a transplant.
Optional Add-ons & Riders
You can enhance your coverage with these optional riders:
- WellConsult+: Provides coverage for outpatient department (OPD) expenses, including consultations, diagnostics, and pharmacy bills.
- Safeguard+: Covers non-medical expenses and consumables that are typically excluded from health insurance claims, such as gloves, masks, and PPE kits.
- Borderless: An optional cover for medical treatments received anywhere in the world, with different variants for specified or all illnesses.
- Hospital Daily Cash: Provides a daily allowance for each day of hospitalization.
Waiting Periods
There are standard waiting periods that apply before certain claims can be made:
- Initial Waiting Period: A 30-day waiting period from the policy start date for all illnesses, except those due to an accident.
- Specific Illnesses: A 24-month waiting period for certain specified illnesses and procedures like hernia and joint replacement surgery.
- Pre-existing Diseases: A 36-month waiting period applies to claims for pre-existing diseases unless the Day 1 Pre-Existing Disease Coverage add-on is chosen.
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