Can I reduce the waiting period for pre-existing diseases in ReAssure 3.0 Classic?

Yes. Buyers can modify the pre-existing disease waiting period to 12 months or 24 months. A Day 1 PED loading option is also available subject to insurer approval and additional premium.

What is ReAssure Forever in this variant?

After the first paid claim in the life of the policy, ReAssure Forever gets triggered and continues for life if the policy is renewed without break. It provides additional claim-paying support over and above the base sum insured.

Is cashless hospitalization available in ReAssure 3.0 Classic?

Yes. Cashless hospitalization is available at network hospitals. Certain services like annual health check-ups must be booked through the insurer’s digital platforms.

What room category is available under the Classic variant?

The Classic variant provides General Room eligibility. Choosing a higher room category may result in co-payment applicability as per policy terms.

OneAssure

Health Insurance

Niva Bupa

Reassure 3.0 Classic

ReAssure 3.0 Classic

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

Policy Policy Wording

Get a Quote

92.02

Claim Settlement Ratio

10000

Network Hospitals

0

Customer Rating

Policy Brochure

Policy Policy Wording

Our Verdict

Expert Review: Niva Bupa Health Insurance

Final Verdict

ReAssure 3.0 Classic is suited for buyers looking for affordable long-term health insurance with unlimited hospitalization support and wellness-linked renewal benefits. Features like ReAssure Forever and Booster+ help strengthen long-term coverage value.

About

About Niva Bupa Health Insurance

ReAssure 3.0 Classic is the entry-level variant of Niva Bupa’s ReAssure 3.0 health insurance plan designed for individuals and families seeking broad hospitalization coverage with wellness-linked benefits. The plan includes unlimited hospitalization coverage, ReAssure Forever restoration, Booster+ accumulation, and wellness rewards through the Live Healthy program. It also covers modern treatments, AYUSH hospitalization, organ donor expenses, and domiciliary treatment. Buyers can further customize the policy with optional benefits like co-payment, deductible, personal accident cover, hospital daily cash, and health check-up features.

ReAssure 3.0 Classic is the entry-level variant of Niva Bupa’s ReAssure 3.0 health insurance plan designed for individuals and families seeking broad hospitalization coverage with wellness-linked benefits. The plan includes unlimited hospitalization coverage, ReAssure Forever restoration, Booster+ accumulation, and wellness rewards through the Live Healthy program. It also covers modern treatments, AYUSH hospitalization, organ donor expenses, and domiciliary treatment. Buyers can further customize the policy with optional benefits like co-payment, deductible, personal accident cover, hospital...

Classic Ratings

Classic

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

Room Rent

Normal: General Room
ICU: Covered up to Sum Insured

Co-payment

Optional co-payment choices — 0%, 10%, 20%, 30%, 40%, 50%

Waiting Period

Initial Waiting Period: -
Pre-existing Disease Waiting Period: Can be modified to 12 months or 24 months
Specific Disease/Procedure Waiting Period: Can be modified to 12 months or 36 months

AYUSH Treatment

Covered

Advanced Treatments

Uterine Artery Embolization and HIFU (High Intensity Focused Ultrasound)
Vaporisation of prostate (Green laser treatment / Holmium laser treatment)
Stem cell therapy for hematological conditions
Balloon sinuplasty
Oral chemotherapy
Robotic surgeries
Stereotactic radio surgeries
Deep brain stimulation
Intra vitreal injections
Bronchial thermoplasty
IONM (Intra Operative Neuro Monitoring)

Cashless Healthcare Providers

Cashless treatment available at network hospitals

Daycare Treatment

Covered

Room Rent

Normal: General Room
ICU: Covered up to Sum Insured

Co-payment

Optional co-payment choices — 0%, 10%, 20%, 30%, 40%, 50%

Cashless Healthcare Providers

Cashless treatment available at network hospitals

Exclusions

Not available

Add ons

Add-Ons

Borderless

Borderless for Specified Illnesses

HeadsUp

Wellconsult+

Co-Payment

NivaBupaOne

Cash-Bag+

Annual Health Check-Up

Insurance Premium Calculator

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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...