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

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 the room eligibility in the Elite variant?

The Elite variant provides Any Room eligibility without standard room category restrictions. This gives policyholders more flexibility during hospitalization.

Does ReAssure 3.0 Elite support cashless hospitalization?

Yes. Cashless treatment is available at network hospitals. Annual health check-up services can also be booked through the insurer’s digital platforms.

What makes ReAssure 3.0 Elite different from lower variants?

The Elite variant offers unrestricted room eligibility along with premium-level hospitalization flexibility, wellness rewards, global treatment support, and long-term coverage enhancement benefits.

OneAssure

Health Insurance

Niva Bupa

Reassure 3.0 Elite

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 Reassure 3.0 Elite

Final Verdict

ReAssure 3.0 Elite is suited for buyers looking for premium hospitalization coverage with unrestricted room access, global treatment support, and long-term coverage enhancement features. Lock the Clock and ReAssure Forever strengthen its value for long-term policyholders.

About

About Niva Bupa Reassure 3.0 Elite

ReAssure 3.0 Elite is the premium variant under Niva Bupa’s ReAssure 3.0 health insurance range designed for individuals and families looking for high-end hospitalization coverage with flexible usage benefits. The plan includes unlimited hospitalization support, ReAssure Forever restoration, Booster+ accumulation, Lock the Clock premium stability, and wellness-linked rewards through the Live Healthy program. It also covers modern treatments, AYUSH treatment, organ donor expenses, domiciliary care, and optional global treatment benefits through Borderless coverage. The Elite variant additionally provides unrestricted room eligibility and broad customization through co-payment, deductible, personal accident, and hospital cash options.

ReAssure 3.0 Elite is the premium variant under Niva Bupa’s ReAssure 3.0 health insurance range designed for individuals and families looking for high-end hospitalization coverage with flexible usage benefits. The plan includes unlimited hospitalization support, ReAssure Forever restoration, Booster+ accumulation, Lock the Clock premium stability, and wellness-linked rewards through the Live Healthy program. It also covers modern treatments, AYUSH treatment, organ donor expenses, domiciliary care, and optional global treatment benefits through Borderless coverage. The Elite...

Elite Ratings

Ratings: Niva Bupa Elite

Insurer Rating

7.1

out of 10

Insurance Rating

10

out of 10

No Room Rent Limit

Yes

Consumables Covered

Yes

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 Reassure 3.0 Elite

Waiting Period

Initial Waiting Period: Not mentioned — verify from policy wordings
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

Room Rent

Normal: Any Room
ICU: Covered up to Sum Insured

Co-payment

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

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

Cashless Healthcare Providers

Cashless treatment available at network hospitals

AYUSH Treatment

Covered

Room Rent

Normal: Any Room
ICU: Covered up to Sum Insured

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...