Up to 10X Booster+ With Unlimited ReAssure

Consumables and non-payable items are not covered under the base plan. Optional Safeguard covers specified List I items, while Safeguard+ covers specified items under Lists I to IV.

30 days. Accidents are covered from Day 1, subject to policy terms.

24 months for listed conditions and procedures. The waiting period does not apply to accidents. Cancer is covered after the initial 30-day waiting period, subject to policy terms.

36 months of continuous coverage for pre-existing diseases. Optional PED Waiting Time Modification can reduce this to 1 or 2 years at additional premium.

Available from Day 1, once every policy year. The benefit is ₹500 per ₹1 lakh of Base Sum Insured, capped at ₹5,000 per insured individual or ₹10,000 per floater policy. Cashless only, booked through the Niva Bupa app, subject to policy terms.

Eligible post-hospitalisation expenses are covered for up to 180 days, up to the Sum Insured.

Routine OPD expenses are not covered under the base plan. Unlimited e-consultations with network partners are included.

The prospectus lists an optional annual aggregate deductible of ₹10,000, ₹20,000, ₹30,000, ₹50,000 or ₹1,00,000 for the Bronze/Silver/Gold group. The Gold single-sheeter does not list this benefit, so availability for the Gold variant and sales channel requires confirmation.

Base Sum Insured options listed in the reviewed single-sheeter are ₹5 lakh, ₹7.5 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh, ₹25 lakh, ₹50 lakh and ₹1 crore. Individual cover for up to 6 members or family floater options are listed, with 1-year, 2-year and 3-year policy terms. Confirm the ₹7.5 lakh option against the insurer's latest schedule before publication.

Maternity expenses are excluded under the standard policy terms. Ectopic pregnancy is treated separately in the exclusion wording.

Eligible in-patient AYUSH treatment is covered up to the Sum Insured for admissions of at least 24 hours in an AYUSH hospital. Yoga and Naturopathy claims require prior approval.

No mandatory co-payment applies under the base plan. Optional voluntary co-payment options are 20%, 30%, 40% or 50%. The optional Tiered Network benefit offers a 15% premium discount and applies a 20% co-payment when treatment is taken at a non-tiered network hospital.

Eligible pre-hospitalisation expenses are covered for up to 60 days, up to the Sum Insured.

96.8% of claims settled by number in FY 2025-26 for the combined ReAssure product line. The insurer's disclosure groups ReAssure, ReAssure 2.0 and ReAssure 3.0 UINs together, so this is not a Gold-specific ratio. Niva Bupa's company-level figure was 94.4% for FY 2025-26.

No room rent limit under the standard Gold variant. Optional Room Type Modification may allow a single private room or shared room at a lower premium. Choosing a room above the selected room category may lead to proportionate deductions.

Cashless treatment is available at Niva Bupa network hospitals. The reviewed single-sheeter cites approximately 10,000+ network hospitals. Cashless Everywhere is also offered at non-network hospitals, subject to the insurer's process. The brochure mentions a 30-minute cashless pre-authorisation commitment.

Covered up to the Sum Insured. Hospitalisation of 2 hours or more qualifies, subject to policy terms. AYUSH treatment requires a minimum admission of 24 hours.

No general disease-wise sublimits are stated in the reviewed policy wording. Specific benefit limits apply, including air ambulance cover up to ₹2,50,000 per hospitalisation and the monofocal cataract lens restriction for Sum Insured up to ₹10 lakh.

ReAssureX, also referred to as ReAssure Forever, is triggered by the first paid claim in the life of the policy. It provides unlimited reinstatements, with each claim under the benefit covered up to the Base Sum Insured. It remains available for life if the policy is renewed without a break. Lock the Clock is not included in the Gold variant.