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

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 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...

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%

Cashless Healthcare Providers

Cashless treatment available at network hospitals

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)

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

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

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Exclusions

Not available

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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...