Niva Bupa ReAssure 3.0
Niva Bupa · health insurance
“Why waste time say lot word, when few word do trick?”
ReAssure 3.0 replaced ReAssure 2.0. Its unlimited reinstatement and premium lock are genuinely useful, but room eligibility now depends on the variant, so check whether you are quoted Classic, Select or Elite.
- Not scored yet
- Pricing band: Quote-based (age, city and cover)
- Best for: families, metro-buyers
Key facts
- Score
- Not scored yet
- Pricing
- Quote-based (age, city and cover)
- Best for
- families, metro-buyers
Plan details from the policy wording
Product UIN NBHHLIP27059V022627. Checked on 2026-10-18. Fields marked “Not yet verified” were not in the documents we reviewed.
| Sum insured options | Not yet verified |
|---|---|
| Entry age | Not yet verified |
| Room rent | Depends on variant: Classic general ward, Select twin sharing, Elite any room except deluxe/suite. A co-pay applies if you take a higher room (Annexure V) |
| Co-payment | None by default; a room-category co-pay applies above your variant's eligible room (Classic 20/40/50%, Select 20/40%, Elite 20% for a suite) |
| Pre-existing disease wait | 36 months |
| Initial waiting period | 30 days |
| Specific illness wait | 24 months |
| Restoration / reset | ReAssure Forever: unlimited reinstatement after the first claim, each claim up to the base sum insured |
| No-claim / cumulative bonus | Booster+: unused base sum insured carries forward, up to 10x depending on plan |
| Pre / post hospitalisation | 60 days before / 180 days after |
| Day care | Covered |
| AYUSH | Covered (allopathy and AYUSH, India only) |
| Notable optional add-ons | Lock the Clock: premium stays at entry age until a claim is paid |
Sources
Insurers revise wordings. The policy wording issued with your policy is what counts, so check it before you buy.
Detailed review
Pros
- Unlimited reinstatement of cover after the first claim (ReAssure Forever)
- Lock the Clock keeps premium at your entry age until you claim
- 180-day post-hospitalisation window
Cons
- Room eligibility depends on the variant; the Classic variant covers only a general ward without a co-pay
- 36-month pre-existing disease wait
Our verdict
tldr.money editorial score: Not scored yet
ReAssure 3.0 replaced ReAssure 2.0. Its unlimited reinstatement and premium lock are genuinely useful, but room eligibility now depends on the variant, so check whether you are quoted Classic, Select or Elite.
This is our editorial assessment, not a customer rating, and we do not publish testimonials. See how we score.
Alternatives to compare
| Criteria | Niva Bupa ReAssure 3.0 | Niva Bupa Senior First |
|---|---|---|
| Score | Not scored yet | 7.8/10 |
| Pricing | Quote-based (age, city and cover) | Rs 22k-55k |
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FAQ
Does Niva Bupa ReAssure 3.0 have a room-rent limit?
Depends on variant: Classic general ward, Select twin sharing, Elite any room except deluxe/suite. A co-pay applies if you take a higher room (Annexure V). Source: Niva Bupa ReAssure 3.0 policy wording, UIN NBHHLIP27059V022627.
What are the waiting periods in Niva Bupa ReAssure 3.0?
Initial: 30 days. Pre-existing diseases: 36 months. Specific illnesses: 24 months.
Is there a co-payment in Niva Bupa ReAssure 3.0?
None by default; a room-category co-pay applies above your variant's eligible room (Classic 20/40/50%, Select 20/40%, Elite 20% for a suite)
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