Niva Bupa's ReAssure 3.0 is an advanced health insurance plan designed for individuals and families, offering a truly "limitless" approach to health coverage. It features a unique unlimited sum insured, innovative benefits that reward a healthy lifestyle, and flexible options to meet diverse healthcare needs.
This is the cornerstone of the plan. After the first claim, your base sum insured is restored an unlimited number of times for the same or different illnesses within a policy year. This benefit lasts forever.
For every claim-free year, you receive a 50% increase in your base sum insured, up to a maximum of 100% (or up to 10x the base sum insured depending on the variant). This doubles your coverage in just two claim-free years.
Your premium is locked at your entry age and will not increase due to age at renewal, until you make your first claim.
Earn up to a 30% discount on your renewal premium based on your step count and other wellness activities, encouraging a healthy lifestyle.
An optional add-on that allows you to get coverage for pre-existing diseases from day one, waiving the typical waiting period.
An exclusive membership that provides executive health assessments, priority claims processing, and dedicated support services for a premium experience.
The plan offers extensive coverage for a wide range of medical expenses, including:
You can enhance your coverage with these optional riders:
There are standard waiting periods that apply before certain claims can be made:
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Niva Bupa Health Insurance Company Limited is one of India's leading standalone health insurers (SAHI), headquartered in New Delhi and founded in 2008. The company was formerly known as Max Bupa Health Insurance Company Limited and was rebranded to Niva Bupa in 2021. Niva Bupa offers a wide range of health insurance products for individuals, families, senior citizens, and corporate employees.