ReAssure 3.0 Health Insurance Plan – Benefits, Features & Coverage
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Niva Bupa Health Insurance Niva Bupa Health Insurance ★ 4.4

Niva Bupa Reassure 3.0

The Niva Bupa Health Insurance ReAssure 3.0 plan is designed for those ...Read More

Up to 1 Cr
Sum insured
1
No. of plans
320+
Pan India presence
98%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,740 reviews
🏥 10,000+ hospitals
📊 3.03 solvency ratio
✅ 98% claim settlement

The Niva Bupa Health Insurance ReAssure 3.0 plan is designed for those seeking high or unlimited coverage that remains intact even after multiple hospitalizations. It automatically restores your sum insured after every claim and can increase your coverage over time if you don’t make claims. This plan is ideal for individuals and families in cities where treatment costs can easily exceed ₹10–20 lakh.

Why Do We Recommend This?
  • Unlimited coverage with ReAssure Forever for lifelong protection.
  • High flexibility through Booster+, Lock the Clock, and add-ons.
  • Wellness rewards offering up to 30% renewal discounts.
  • Global healthcare option via Borderless add-on.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
Adult - 18 Years, Child - 91 Days
Plan type
Individual and Family Health Insurance
Waiting period
30 days to 36 months
Renewability
Lifelong
Policy term
1 year, 2 years, or 3 years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Unlimited Sum Insured
  • Day 1 Pre-Existing Disease Coverage
  • Automatic Sum Insured Restoration
  • No Co-payment Clause
  • Wide Network of Hospitals
  • Flexible Premium Payment Options

Cons

  • No Monthly Premium Payment Option
  • Higher Premiums for Older Policyholders
  • Customer Service Response Time

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Covered
  • E-consultation Covered
  • Health check-up Covered
  • Second medical opinion Covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Not covered
  • Compassionate travel Covered
  • Global coverage Covered

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

Niva Bupa ReAssure 3.0 Review | Unlimited Coverage Explained

Niva Bupa ReAssure 3.0 Review | Unlimited Coverage Explained

In today’s video, we explore Niva Bupa ReAssure 3.0, a comprehensive health insurance plan designed for complete family protection and long-term coverage. With medical costs rising every year, this plan focuses on giving you unlimited reinstatement benefits, stable premiums, and extensive hospitalization coverage.

Niva Bupa Health Insurance Network Hospital List

Niva Bupa Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Niva Bupa Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Minimum entry age: 91 days and 18 years
  • Maximum entry age: 99 years for adults
  • Covers: up to 6 members

Frequently Asked Questions

The 5 most-asked questions about Niva Bupa Reassure 3.0, answered.

Niva Bupa ReAssure 3.0 is a full-fledged medical insurance product providing unlimited reinstatement with Booster+, Lock the Clock, wellness discounts, and optional global treatment coverage
The minimum entry age is 18 years for adults and 91 days for children, while the maximum entry age is 99 years for adults and 30 years for children.
No, maternity expenses and newborn baby cover are not included under Niva Bupa ReAssure 3.0.
Niva Bupa has a claim settlement ratio of 98%.
The sum insured available under Niva Bupa ReAssure 3.0 can vary between ₹3 lakh up to ₹1 crore, depending on the variant chosen.

Explore Niva Bupa Health Insurance

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 1 Jun 2026 · Originally published: 8 Sep 2025

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