Can I get coverage for pre-existing diseases from Day 1?

Yes. The plan offers an optional Day 1 Pre-Existing Disease Loading feature. By paying additional premium and subject to acceptance, eligible pre-existing diseases can be covered from Day 1.

What is ReAssure Forever?

ReAssure Forever is triggered after the first paid claim and remains available for life as long as the policy is renewed without a break. It provides restoration benefits repeatedly for future eligible claims.

Does the plan offer worldwide treatment coverage?

Yes. The Black variant offers Borderless coverage, allowing treatment anywhere in the world up to ₹5 Crore depending on policy terms and selected co-payment option.

What is Claim Safeguard+?

Claim Safeguard+ covers non-payable items listed under specified policy annexures. This helps reduce out-of-pocket expenses that are normally excluded during hospitalization claims.

OneAssure

Health Insurance

Niva Bupa

Reassure 3.0 Black

ReAssure 3.0 Black

Experience India's most trusted health insurance with Niva Bupa Health Insurance. Get instant cashless treatment at 10000 network hospitals with sum insured up to ₹50 lakhs.

92.02

Claim Settlement Ratio

10000

Network Hospitals

0

Customer Rating

Get a Quote

92.02

Claim Settlement Ratio

10000

Network Hospitals

0

Customer Rating

Our Verdict

Expert Review: Niva Bupa Health Insurance

Final Verdict

ReAssure 3.0 Black is a premium unlimited health insurance plan that combines lifelong restoration, global treatment access, non-payable item coverage, and long-term reward features in a single policy.

About

About Niva Bupa Health Insurance

Niva Bupa ReAssure 3.0 Black is the highest-tier variant under the ReAssure 3.0 product range and is designed for customers seeking extensive and long-term health coverage. The plan offers unlimited hospitalization cover, any-room eligibility, modern treatment coverage, AYUSH treatment, organ donor expenses, home care treatment, and worldwide treatment options through Borderless benefits. It also includes unique features such as ReAssure Forever, Booster+, Lock the Clock, Claim Safeguard+, Cash-Bag+, and wellness rewards. The plan is built to provide large-scale protection against rising healthcare costs while rewarding healthy behaviour and claim-free years.

Niva Bupa ReAssure 3.0 Black is the highest-tier variant under the ReAssure 3.0 product range and is designed for customers seeking extensive and long-term health coverage. The plan offers unlimited hospitalization cover, any-room eligibility, modern treatment coverage, AYUSH treatment, organ donor expenses, home care treatment, and worldwide treatment options through Borderless benefits. It also includes unique features such as ReAssure Forever, Booster+, Lock the Clock, Claim Safeguard+, Cash-Bag+, and wellness rewards. The plan is built...

Inclusions and Exclusions

Inclusions and Exclusions of Niva Bupa Insurance Company Limited

Room Rent

Normal: Any Room Covered
ICU: Covered up to Sum Insured

Advanced Treatments

Uterine Artery Embolization
HIFU (High Intensity Focused Ultrasound)
Green Laser Treatment / Holmium Laser Treatment for Prostate
Stem Cell Therapy (Hematopoietic Stem Cells for Bone Marrow Transplant)
Balloon Sinuplasty
Oral Chemotherapy
Robotic Surgeries
Stereotactic Radio Surgeries
Deep Brain Stimulation
Intra Vitreal Injections
Bronchial Thermoplasty
Intra Operative Neuro Monitoring (IONM)

Co-payment

Optional Co-payment of 0%, 10%, 20%, 30%, 40% or 50%

Waiting Period

30 days — standard initial exclusion applies to all illnesses, except for claims arising from an emergency or accident

Cashless Healthcare Providers

Cashless Network Available

Daycare Treatment

Covered

AYUSH Treatment

Covered

Room Rent

Normal: Any Room Covered
ICU: Covered up to Sum Insured

Advanced Treatments

Uterine Artery Embolization
HIFU (High Intensity Focused Ultrasound)
Green Laser Treatment / Holmium Laser Treatment for Prostate
Stem Cell Therapy (Hematopoietic Stem Cells for Bone Marrow Transplant)
Balloon Sinuplasty
Oral Chemotherapy
Robotic Surgeries
Stereotactic Radio Surgeries
Deep Brain Stimulation
Intra Vitreal Injections
Bronchial Thermoplasty
Intra Operative Neuro Monitoring (IONM)

Co-payment

Optional Co-payment of 0%, 10%, 20%, 30%, 40% or 50%

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Exclusions

Injuries from hazardous or adventure sports.
Cosmetic or plastic surgeries unless medically necessary.
Treatments related to obesity or weight control.
Conditions arising from substance abuse or self-inflicted harm.
Experimental or unproven medical treatments.
Gender transformation procedures.
Treatment for infertility or sterility.
Maternity expenses unless specified in the policy.

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About the company

Niva Bupa Health Insurance Company Ltd. (formerly Max Bupa) is a standalone health insurer in India, formed through a joint venture between the UK-based Bupa Group and Indian private equity firm True North. Established in 2008, the company offers a comprehensive range of health insurance products for individuals, families, and senior citizens, designed to make quality healthcare more accessible and affordable. The company operates with a nationwide network of over 10,000 hospitals and provides coverage across hospitalization, surgeries, consultations, and post-hospital care. Under the leadership of Managing Director and CEO Krishnan Ramachandran, Niva Bupa has expanded its presence and strengthened its digital and service capabilities to enhance the customer experience. Listed on both the BSE and NSE after its November 2024 IPO, Niva Bupa reflects...

Niva Bupa Health Insurance Company Ltd. (formerly Max Bupa) is a standalone health insurer in India, formed through a joint venture between the UK-based Bupa Group and Indian private equity firm True North. Established in 2008, the company offers a comprehensive range of health insurance products for individuals, families, and senior citizens, designed to make quality healthcare more accessible and affordable. The company operates with a nationwide network of over 10,000 hospitals and provides coverage...