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

Yes. The plan allows buyers to modify the pre-existing disease waiting period to 12 months or 24 months. Buyers may also choose a Day 1 PED loading option subject to insurer approval and additional premium.

What is unique about the ReAssure Forever feature?

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.

Does ReAssure 3.0 Select support cashless claims?

Yes. Cashless hospitalization is available at network hospitals. Certain services such as annual health check-ups must be booked through Niva Bupa’s app or approved digital assets.

What optional customization features are available in this variant?

The plan allows optional co-payment, annual aggregate deductible, hospital daily cash, personal accident cover, and Borderless global treatment benefits. Co-payment and deductible cannot be selected together.

OneAssure

Health Insurance

Niva Bupa

Reassure 3.0 Select

ReAssure 3.0 Select

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 Select is suited for buyers looking for strong hospitalization coverage with long-term premium benefits and optional global treatment access. Features like Lock the Clock, Booster+, and ReAssure Forever make it a feature-rich mid-tier option.

About

About Niva Bupa Health Insurance

ReAssure 3.0 Select is a comprehensive health insurance plan from Niva Bupa designed for individuals and families looking for broad hospitalization coverage with long-term value features. The plan includes unlimited hospitalization coverage, ReAssure Forever restoration, Booster+ accumulation, and wellness-linked renewal discounts through the Live Healthy feature. It also offers modern treatment coverage, AYUSH treatment, domiciliary care, organ donor expenses, and optional global treatment benefits through Borderless coverage. The Select variant additionally provides twin-sharing room eligibility and optional customization through deductibles, co-payment, hospital cash, and personal accident add-ons.

ReAssure 3.0 Select is a comprehensive health insurance plan from Niva Bupa designed for individuals and families looking for broad hospitalization coverage with long-term value features. The plan includes unlimited hospitalization coverage, ReAssure Forever restoration, Booster+ accumulation, and wellness-linked renewal discounts through the Live Healthy feature. It also offers modern treatment coverage, AYUSH treatment, domiciliary care, organ donor expenses, and optional global treatment benefits through Borderless coverage. The Select variant additionally provides twin-sharing room eligibility...

Inclusions and Exclusions

Inclusions and Exclusions of Niva Bupa Insurance Company Limited

Room Rent

Normal: Twin Sharing Room
ICU: Covered up to Sum Insured

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)

Co-payment

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

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

Cashless Healthcare Providers

Cashless treatment available at network hospitals

Daycare Treatment

Covered

AYUSH Treatment

Covered

Room Rent

Normal: Twin Sharing Room
ICU: Covered up to Sum Insured

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)

Co-payment

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

Pageof 3

Exclusions

Not available

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 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...