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Niva Bupa
ReAssure 3.0 - Elite
Highly flexible health insurance plan featuring unlimited sum insured restoration for all illnesses, Day-1 coverage for pre-existing diseases (with optional loading), and 'Lock the Clock' premium freezing until your first claim
PLAN SELECTION
4 plans available with 3 sum insured options
What you should know first
Where this plan is strong, where to watch - and how it performs on what matters most.
At a glance
5 strong4 to watch
What's strong
- ReAssure Forever: once you claim, restoration stays on for life - refills up to base cover, unlimited times.
- Booster+ carries unused cover forward every claim-free year, up to 10× your base.
- Lock the Clock - premium stays at your entry age until your first claim.
- Just 2 hours in hospital counts as admission - the industry norm is 24.
- Cancer is covered after 30 days, not the usual 24-month specified-disease wait.
What to watch
- On Classic, a room above General Ward triggers a flat co-pay on the whole bill - 20–50% in metro hospitals.
- Maternity fully excluded - and no add-on can bring it back.
- Modern treatments capped at ₹1 lakh per claim on Classic and Select - robotic surgery can cost 3–10× that.
- No newborn cover - a baby joins later with fresh waiting periods.
What Matters Most
FeatureKey DetailOur Verdict
Standard
Standard
Limited
Limited
Limited
Limited
Strong
Strong
Strong
Strong
Standard
Standard
Next
You’ve read the shape of this cover. Now put a real bill through it.
Policy Features Breakdown
Filter by the worry on your mind to see how this plan handles each concern - its sub-limits, waiting periods and the catches.
What are you worried about?
All Policy Features41 features
StandardCommonly Missed
Black has no room capping at all; the other three stop at a category. If you take a room above your category, a flat co-pay from Annexure V applies to the entire claim, not just the room charge. Your plan fixes the room you are eligible for.
Coverage detailstap any row to understand it
Watch out
On Classic plan, claiming any room category above General Ward costs you 20% to 50% of the whole admissible claim. On a Rs 4,00,000 hospital stay at the 40% band, you pay Rs 1,60,000 from your own pocket.
LimitedCommonly Missed
A condition you already had is covered only after 36 months of continuous cover, and only if you declared it when you applied and Niva Bupa accepted it. You can buy the wait down to 24 or 12 months, but only when you buy the policy.
Coverage detailstap any row to understand it
Watch out
Serving 36 months is not enough on its own. A condition you did not declare at application is not covered even after the wait ends. A specific condition can also carry a personal waiting period of up to 48 months, set when your policy is issued.
Limited
Black has no room capping at all; the other three stop at a category. If you take a room above your category, a flat co-pay from Annexure V applies to the entire claim, which includes ICU days. Your plan fixes the room you are eligible for.
Coverage detailstap any row to understand it
Watch out
The room-category co-payment in Annexure V is applied on entire claim. The policy does not leave out ICU charges either. This is much stricter than what most insurers in the market offer.
StrongCommonly Missed
ReAssure Forever refills your cover after your first paid claim, and once switched on it stays on for life as long as you renew without a break. Each refill can pay up to your Base Sum Insured, there is no limit on how many times it refills in a year, and it can top up the same bill that used up your cover.
Coverage detailstap any row to understand it
Watch out
Your very first paid claim only triggers ReAssure Forever - it does not get the refill itself. If you break renewal, the trigger is lost.
Strong
Booster+ is this plan's bonus. Whatever part of your Base Sum Insured you do not use in a year carries forward to the next year, and it can build up to 10 times your Base Sum Insured. On a 10 Lakh cover with no claims, that is 1 Crore of Booster+ sitting on top of your 10 Lakh after ten years.
Coverage detailstap any row to understand it
Watch out
The carry-forward is what you did not use, so a year with a large claim adds little. If you reduce your Base Sum Insured later, the accumulated Booster+ is cut in the same proportion - halving a 10 Lakh cover to 5 Lakh halves your Booster+ too.
Standard
There is no separate pool sitting above your cover from day one. The extra room for a single large bill comes from ReAssure Forever: once your first claim has been paid, the refill can top up the very bill that used up your cover, up to your Base Sum Insured. On a 10 Lakh cover that means a later single bill can be paid up to 20 Lakh from base plus refill.
Coverage detailstap any row to understand it
Watch out
This headroom does not exist on your first-ever claim. Until one claim has been paid, a single bill can only draw on your Base Sum Insured and accumulated Booster+.
Specific Illness Waiting Periods
These conditions are covered after a waiting period - not excluded. Once the wait is over, they're treated like any other illness. Select a body region, or view the entire body, to see which ones this plan names.
How long you wait, for what
Accidents
Day 1Covered from the first day, with no waiting at all.
Illness, in general
30 daysAfter the first month, ordinary illness is covered.
The listed conditions
24 monthsEach one is then covered, like any other illness.
What you already had
36 monthsConditions you declared when you bought the plan.
Nothing more to prove
60 monthsAfter this, only proven fraud can be held against a claim.
Already diagnosed with one of these? A different rule applies - conditions you already have follow the pre-existing waiting period. See how that works
Entire Body
39 ConditionsWaiting Period: 24 months
Rectal & Anal Conditions
Perianal Abscess
Anal boil or infection
Rectal & Anal Area
A painful, pus-filled boil located near the anus.
The exact words
“Hemorrhoids, fissure, fistula or abscess of anal and rectal region”
Section 5.1.2.f · pages 30–31
Hemorrhoids
Piles
Rectal & Anal Area
Swollen veins near the anus that can cause pain or bleeding.
The exact words
“Hemorrhoids, fissure, fistula or abscess of anal and rectal region”
Section 5.1.2.f · pages 30–31
Anal Fissure and Fistula
Tear or track near anus
Rectal & Anal Area
Painful cuts or small unnatural tunnels in the skin near the anus.
The exact words
“Hemorrhoids, fissure, fistula or abscess of anal and rectal region”
Section 5.1.2.f · pages 30–31
Bones, Joints & Muscles
Osteoporosis
Bone thinning
Back & Spine
Weak and brittle bones that can break easily.
The exact words
“Osteoarthritis, joint replacement, osteoporosis, systemic connective tissue disorders, inflammatory polyarthropathies, Rheumatoid Arthritis, gout, intervertebral disc disorders, arthroscopic surgeries for ligament repair”
Section 5.1.2.f · pages 30–31
Internal Derangement of Knee
Knee ligament or tear injury
Legs & Feet
A tear in the bands or pads inside the knee joint.
The exact words
“Osteoarthritis, joint replacement, osteoporosis, systemic connective tissue disorders, inflammatory polyarthropathies, Rheumatoid Arthritis, gout, intervertebral disc disorders, arthroscopic surgeries for ligament repair”
Section 5.1.2.f · pages 30–31
Policy Exclusions
What this plan won’t pay for
We read all 27 exclusion clauses in this policy. 17 clauses change what you’d actually claim.
Never paid
10 clausesNo waiting period reaches these - the plan does not cover them at all.
Paid, but only if…
6 clausesWritten as exclusions, but the policy states a way in. The condition is the whole point.
Not yet - a wait applies
1 clauseCovered eventually, on a clock that isn't part of the standard waiting periods.
Premium discounts
Ways to pay less
Every discount printed in this policy’s own documents - what it’s worth, who qualifies, and what it asks in return.
Just for qualifying
11 discountsNothing is given up in return - you either meet the condition or you don't.
Policy discount
10%
About the provider
Niva Bupa
Filed plan · UIN NBHHLIP26047V012526
Comparisons· 10 pairs
Put it next to another plan
ReAssure 3.0 beside each of the other plans on the shelf: every clause that differs, read from the policy wording.
Sources
Everything on this page is read from the insurer’s own filings. It is an educational summary - not advice, not a recommendation to buy, and we sell nothing.
Plan facts last updated 17 Aug 2026.
IRDAI UIN: NBHHLIP26047V012526