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

Policy Brochure

Get a Quote

92.02

Claim Settlement Ratio

10000

Network Hospitals

0

Customer Rating

Policy Brochure

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...

Black Ratings

Black

Insurer Rating

5.28

out of 10

Insurance Rating

8

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

Yes

Unlimited Restoration

Yes

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

Yes

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of Niva Bupa Insurance Company Limited

Daycare 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%

Cashless Healthcare Providers

Cashless Network Available

Waiting Period

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

AYUSH Treatment

Covered

Daycare 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)

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.

Add ons

Add-Ons

Borderless

Borderless for Specified Illnesses

HeadsUp

Wellconsult+

Co-Payment

NivaBupaOne

Cash-Bag+

Annual Health Check-Up

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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...

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...