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Niva Bupa
ReAssure 3.0 - Elite
- Up to Single Private Room
- 36 months
- Refills 100% of your cover, any number of times a year
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
All plans
ReAssure 3.0/Elite
What you should know first
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.
The policy in one card
Sum Insured
Room rent
Non-payable items
Waiting periods
Co-pay and deductible
Restoration
Cumulative bonus
Not covered
One year through this plan
Two hospital bills in year one, on ₹10 Lakh of cover.
| Bill | ReAssure 3.0 |
|---|---|
| 1st bill₹7,00,000 | CoveredPaid from Sum Insured ₹7,00,000 |
| 2nd bill₹12,00,000 | CoveredPaid from |
01The ledger
Every feature, decoded
Tell us about your family and health - this list reorders around what matters to you.
Start the 90-second checkBig hospital bills3 of 15 are priority
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
Room cost limitUp to Single Private Room
If you exceed the room limitFlat co-pay on Entire Claim
Room upgrade riderNot available
Minimum Hospitalisation Duration to Qualify (Hours)2 hours
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.
By default the insurer deducts the items in Annexure I - gloves, syringes, nebulisation kits, ECG electrodes and dozens more - from your hospital bill. Claim Safeguard+ buys all four of those lists back, so those charges are paid up to your Sum Insured. It is an optional benefit you have to ask for, on every plan.
Coverage detailstap any row to understand it
How it's coveredOptional add-on
IRDAI Non-payable Lists CoveredList I, List II, List III, List IV
Reduces Main Sum InsuredYes
Expense limitCovered up to full Sum Insured
Watch out
Without Claim Safeguard+, these deductions typically run 10 to 20% of a hospital bill. On a Rs 4,00,000 admission that is Rs 40,000 to Rs 80,000 you pay at discharge. Reasonable and Customary Charges still apply, so an item priced far above the local going rate can still be trimmed.
Follow-up consultations, medicines, physiotherapy and tests for 180 days after discharge are paid up to your Sum Insured, on every plan. That is twice the common market window, and it covers the long tail after heart surgery or a knee replacement. You can change the 180 days to 30, 60, 90, 270 or 365 days, but only when you buy.
Coverage detailstap any row to understand it
Coverage Days After Discharge180 days
Expense limitCovered up to full Sum Insured
Day-Extension Rider AvailableYes
Day Modify Options30 days, 60 days, 90 days, 270 days, 365 days
Claim Settlement TypeReimbursement Only
Watch out
Only expenses for the same condition count, and only if the hospitalisation claim itself was paid. The day-count change cannot be opted for, modified or removed at renewal.
Cancer & serious illness4 of 10 are priority
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
How it's coveredIncluded in the base plan
What the insurer calls itReAssure Forever
RefillsRefills 100% of your cover, any number of times a year
Illnesses eligible for refillCan be used for the same illness or a new one
Activates FromAfter First Paid Claim
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.
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
How it's coveredIncluded in the base plan
What the insurer calls itReAssure Forever
Extra coverAdds up to 100% of your cover extra on each claim, as a refill
Activates FromAfter First Paid Claim
Eligible Claim TypesRoad Ambulance, Hospitalization, Pre/Post Hospitalization, Home Care, Domiciliary Hospitalization, Organ Donor
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+.
Twelve advanced procedures including robotic surgery, oral chemotherapy, stem cell therapy and deep brain stimulation are covered. Elite and Black pay them up to your full Sum Insured. Classic and Select cap them at Rs 1,00,000 for each complete claim, which a single robotic surgery can pass in one admission.
Coverage detailstap any row to understand it
Coverage ScopeListed Procedures (standard IRDAI list)
Expense limitCovered up to full Sum Insured
Sub-limit Modification AvailableNo
Watch out
The Rs 1,00,000 cap on Classic and Select applies per complete claim, so a long treatment course does not get a fresh limit each time within the same claim. The Modern Treatments+ option removes that cap entirely, and it can be bought only on those two plans.
Critical Illness is an optional benefit you buy on top of the plan. It pays a lump sum, up to INR 3 Crore, if you are diagnosed with one of the 20 illnesses listed in Annexure IV - cancer of specified severity, heart attack, stroke, major organ transplant and others. It pays once in your lifetime, and the diagnosis must happen in India.
Coverage detailstap any row to understand it
How it's coveredOptional add-on
Number of Critical Illnesses Covered20 illnesses
Payout TypeLump Sum on Diagnosis
Maximum Sum Insured Option (INR)₹3 Cr
Survival Period Post-Diagnosis (Days)30 days
Watch out
Two timing rules decide whether a claim is paid: the illness must first occur and be diagnosed after 90 days from the start of your first policy with Niva Bupa, and you must survive 30 days after the diagnosis.
When does my cover switch on?2 of 4 are priority
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
Standard Waiting Period (Months)36 months
Coverage Condition After Waiting PeriodCovered if Declared at Policy Start
Portability / Migration Credit Reduces Waiting PeriodYes
Waiting period reductionReducible to 12 months, 24 months - opt-in Policy Start Only, locked in once chosen, available to Customer
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.
A named list of common conditions and procedures - cataract, hernia, piles, joint replacement, fibroids and others - is covered only after 24 months of continuous cover. Accident claims are covered from day 1 and cancer after only 30 days. You can move this wait to 12 months, or push it out to 36, when you buy the policy.
Coverage detailstap any row to understand it
Waiting Period (Months)24 months
Portability Credit Reduces Waiting PeriodYes
Pre-existing Disease Wait Applies if LongerYes
Accident Claims Exempt from Any Waiting PeriodYes
Waiting period reductionReducible to 12 months, 36 months - opt-in Policy Start Only, locked in once chosen, available to Customer
Watch out
If a listed condition is also pre-existing for you, the longer 36-month wait applies instead of 24 months. The wait applies even to a listed condition you develop after buying the policy.
Planning a baby2 of 3 are priority
ReAssure 3.0 does not pay for childbirth. Delivery costs, normal or caesarean, are excluded on every plan, and there is no maternity add-on you can buy. Ectopic pregnancy is the one exception the exclusion leaves in, so it is paid as an ordinary hospitalisation claim. Miscarriage is paid only when it follows an accident.
Coverage detailstap any row to understand it
How it's coveredNot covered
Watch out
If you plan to have a child, this policy will not fund the delivery. The WellConsult+ OPD add-on also does not pay for maternity specialist consultations, so pre-natal visits stay out of pocket there too.
There is no newborn cover in ReAssure 3.0. A child can only join the policy from 91 days of age, so a baby's first three months are not insured, including a NICU admission straight after birth. Treatment for an external congenital anomaly is separately excluded at any age.
Coverage detailstap any row to understand it
How it's coveredNot covered
Watch out
A NICU stay in the first days of life is the biggest newborn cost, and this policy pays none of it because the baby cannot be covered before 91 days.
Everyday medical costs2 of 7 are priority
Out-patient cover comes only from the optional WellConsult+ benefit. You choose a WellConsult+ Sum Insured of 1x to 5x your base premium, and that pool pays for consultations, prescribed diagnostics, pharmacy, dental, eye and physiotherapy visits. Each head has its own share of the pool - in-clinic consultations 37.5%, diagnostics 20%, medicines 5%. Tele-consultations are unlimited.
Coverage detailstap any row to understand it
How it's coveredOptional add-on
OPD limit1×, 2×, 3×, 4×, 5× of base premium
GP consultationsCovered - with no cap
Diagnostic Tests CoveredYes
Medicines / Pharmacy CoveredYes
Watch out
WellConsult+ works in India only. If you pay the clinic yourself and claim the money back, a flat 20% co-payment applies - on a ₹10,000 OPD bill you pay ₹2,000 from your own pocket. Cashless within the partner network avoids this.
Hospitalisation for a mental illness is paid the same way as any other illness - up to your Sum Insured, with no separate cap in the wording. Out-patient therapy is not part of the base plan. Online emotional and mind wellness sessions are available as optional benefits through the insurer's partner network, and WellConsult+ carries unlimited mental wellness sessions.
Coverage detailstap any row to understand it
How it's coveredIncluded in the base plan
OPD and therapyIn-patient only, no OPD or therapy
In-patient expense limitCovered up to full Sum Insured
Mental health add-onAvailable - Mind Wellness Counselling - includes OPD mental health
Watch out
The counselling benefits are online sessions through partner platforms, not sessions with a psychiatrist of your choice, and they are available in India only. All waiting periods and exclusions apply to them.
Worth it if I never claim?2 of 4 are priority
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
How it's coveredIncluded in the base plan
What the insurer calls itBooster+
Bonus growthUnused Sum Insured carries forward, up to 1000% of Sum Insured
Requires Renewal Without BreakYes
Eligible Claim TypesBase Coverage Only
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.
You can choose an annual aggregate deductible from nine levels, from ₹10,000 up to ₹5,00,000, on any variant. You pay hospital costs from your own pocket until your spending for the year crosses the level you picked; after that the insurer pays. It resets every policy year, and you cannot take it together with the co-payment option.
Coverage detailstap any row to understand it
AvailabilityOffered as an optional feature
Deductible waiverNo waiver option
Deductible Resets EveryPolicy Year
High Deductible Levels Restrict Other BenefitsNo
Cannot Be Combined with Co-payment OptionYes
Watch out
The deductible applies to reaching the hospital, hospitalisation, pre and post hospitalisation, home care or domiciliary treatment, and organ donor costs. It does not apply to the health check-up, second opinion, e-consultation, personal accident, shared accommodation cash or hospital daily cash benefits. The amount you pay yourself must still be a cost the policy would otherwise pay.
0239 illnesses
39 named illnesses wait 24 months accidents from day 1 read by 9 body regions about 4 min
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.
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
0328 listed
10 never paid 6 paid only if a condition is met 11 in every policy read from all 28 under a minute
Never paid
10 clausesNo waiting period reaches these - the plan does not cover them at all.
If your doctor prescribes a drug for something it was not formally approved to treat, the policy will not pay - even though off-label prescribing is routine, particularly in cancer care.
Extra / Off label usage (using a drug or procedure for conditions other than it was explicitly approved for) will not be covered under the policy.
Wording p.44 cl.7.A
Once a patient is declared brain dead or in a vegetative state, the insurer stops paying for artificial life support. If a patient is on a ventilator, the insurer can also ask for an assessment to check whether the patient is brain dead.
Artificial life maintenance for the Insured Person who has been declared brain dead or in vegetative state. In patients on artificial life support like ventilator, we may request for assessment to ensure the insured is not brain dead.
Wording p.33 cl.5.2.7
The insurer can refuse anything it judges above the going rate, or not medically needed at all. It applies to every claim, so keep the treating doctor's reasoning on the file.
Costs which are not Reasonable and Customary and treatments which are not Medically Necessary.
Wording p.33 cl.5.2.6
Insurance may not pay for general caretaking. Staying at a facility just to rest is not covered. Hiring helpers for daily tasks like walking or dressing may also be paid from your own pocket.
Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. This also includes:
Custodial care either at home or in a nursing facility for personal care such as help with activities of daily living such as bathing, dressing, moving around either by skilled nurses or assistant or non-skilled persons.
Any services for people who are terminally ill to address physical, social, emotional and spiritual needs.
Wording p.31 cl.5.1.5
Any medical or ambulatory device you use at home is not paid: a pulse oximeter, blood-pressure and sugar monitors, the automatic machine for peritoneal dialysis, CPAP and BiPAP, crutches, a wheelchair. If you need any of these at home, you pay for them yourself.
We do NOT pay for any Medical & ambulatory devices used at home (like Pulse Oxymeter, BP monitors, Sugar monitors, automation device for peritoneal dialysis, CPAP, BiPAP, Crutches, wheel chair etc.)
Wording p.7 cl.4.4 Note; p.6 cl.4.2.1 Note
Acts of terrorism are excluded here, and so are war, rebellion and nuclear or radiological events. Many Indian health policies pay for terrorism-related injury; this one does not. The exclusion also applies when the injury or illness results from these events indirectly.
Treatment for any Injury or Illness resulting directly or indirectly from nuclear, radiological emissions, war or war like situations (whether war is declared or not), rebellion (act of armed resistance to an established government or leader), acts of terrorism.
Wording p.33 cl.5.2.2
For an external birth defect, this plan does not pay for the treatment, and it does not pay for the screening or the counselling either. No waiting period turns any of it into cover. Internal anomalies are covered.
Screening, counseling or treatment related to external Congenital Anomaly.
Wording p.33 cl.5.2.3
Medical costs for family planning are not covered. This means the policy may not pay for treatments to prevent pregnancy. It also may not pay for treatments to get pregnant.
Expenses related to sterility and infertility. This includes: a. Any type of contraception, sterilization b. Assisted Reproduction services including artificial insemination and advanced reproductive technologies such as IVF, ZIFT, GIFT, ICSI c. Gestational Surrogacy d. Reversal of sterilization
Wording p.33 cl.5.1.15
Standard health policies may not cover the costs of pregnancy or childbirth. Normal deliveries and C-sections are excluded. The usual exception is an ectopic pregnancy; where a policy pays maternity as a benefit, its own wording says so.
a. Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during Hospitalization) except ectopic pregnancy; b. Expenses towards miscarriage (unless due to an Accident) and lawful medical termination of pregnancy during the Policy Period.
Wording p.33 cl.5.1.16
On the Classic and Select variants, this plan pays only for a mono-focal lens in cataract surgery. If you want a multifocal lens, you pay the extra cost from your own pocket. The restriction sits in the benefit clause, not in the exclusions list.
Cataract: Classic & Select Variant covers only Mono-focal Lens.
Wording p.6 cl.4.2.1 Note
Paid, but only if…
6 clausesWritten as exclusions, but the policy states a way in. The condition is the whole point.
When it IS paid
In a life-threatening situation or after an accident, expenses up to the stage of stabilisation are payable.
Insurance companies have a list of banned hospitals and doctors. If you go to them, your claim may be rejected. The exceptions are a life-threatening emergency or an accident - and even then the policy pays only up to the point you are stabilised.
Expenses incurred towards treatment in any Hospital or by any Medical Practitioner or any other provider specifically excluded by Us and disclosed in Our website / notified to the Policyholders are not admissible. However, in case of life threatening situations or following an Accident, expenses up to the stage of stabilization are payable but not the complete claim.
The complete list of excluded providers can be referred to on our website.
Wording p.32 cl.5.1.10
When it IS paid
Diagnostics related or incidental to the treatment you were admitted for stay covered.
Health insurance pays for actual medical treatments. If you stay in a hospital purely for diagnostic tests or scans, the bill may not be covered. There must be an active treatment going on.
Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded.
Any diagnostic expenses which are not related or not incidental to the current diagnosis and treatment are excluded.
Wording p.31 cl.5.1.4; reinforced at p.6 cl.4.2.1 Note
When it IS paid
Paid for reconstruction following an accident, burns or cancer, certified as medically necessary.
Surgeries done just to look better are excluded. However, plastic surgery needed after a bad accident may be covered. Surgeries for burns or cancer reconstruction are also covered.
Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer or as part of medically necessary treatment to remove a direct and immediate health risk to the insured. For this to be considered a medical necessity, it must be certified by the attending Medical Practitioner.
Wording p.31 cl.5.1.7
When it IS paid
Dental treatment caused by an accident or by cancer is paid - in hospital or not.
What matters here is the cause of the dental work, not whether you were admitted to hospital. If an accident or cancer caused it, the insurer pays whether you are in hospital or not. Dental treatment from any other cause is not paid.
All dental treatments other than due to accidents and cancers.
Wording p.33 cl.5.2.4
When it IS paid
At 7.5 dioptres or worse the correction is paid - and this wording spells out exactly how to read the number.
Surgeries to remove your glasses are usually not covered. They are seen as a cosmetic choice. The policy pays only when your eyesight is very weak - 7.5 dioptres or worse.
Expenses related to the treatment for correction of eye sight due to refractive error less than 7.5 dioptres.
Less than 7.5 Diopter means a power of eye either >7.5 Dioptre for Hypermetropia or far sightedness (say +7.75 Dioptre) or < 7.5 Dioptre for Myopia or near sightedness (say -7.75 Dioptre).
Wording p.32 cl.5.1.13
When it IS paid
Paid on your doctor's advice, at 18 or older, with BMI 40 or more - or 35 or more with obesity-related cardiomyopathy, coronary heart disease, severe sleep apnoea or uncontrolled Type 2 diabetes, after less invasive weight-loss methods have failed.
The policy pays for weight-loss surgery only when your doctor advises it, you are 18 or older, and your BMI is 40 or more - or 35 or more together with a condition like heart disease, severe sleep apnoea or uncontrolled diabetes. Surgery to change how you look is not covered.
Expenses related to the surgical treatment of obesity that does not fulfil all the below conditions:
Surgery to be conducted is upon the advice of the Doctor.
The surgery/Procedure conducted should be supported by clinical protocols.
The member has to be 18 years of age or older and;
Body Mass Index (BMI); i. greater than or equal to 40 or ii. greater than or equal to 35 in conjunction with any of the following severe co-morbidities following failure of less invasive methods of weight loss: 1. Obesity-related cardiomyopathy 2. Coronary heart disease 3. Severe Sleep Apnea 4. Uncontrolled Type2 Diabetes
Wording p.31 cl.5.1.6
Not yet - a wait applies
1 clauseCovered eventually, on a clock that isn't part of the standard waiting periods.
The insurer can apply a waiting period of up to 48 months to one named condition for one specific person. That is a year longer than the pre-existing-disease waiting period, and none of the three waiting-period add-ons shortens it. It is set when you buy the policy, and it is printed on your own schedule.
Conditions specified for an Insured Person under Personal Waiting Period will be subject to a Waiting Period of up to 48 months from the inception of the First Policy with Us.
Wording p.33 cl.5.2.1
0413 discounts
11 just for qualifying 2 cost you a co-pay or a deductible about 3 min
Just for qualifying11
When it appliesTiming not stated
Printed atProspectus p.1 · cl. 1.1.8
When it appliesPurchase only
Stacks withNot available with monthly, quarterly or half-yearly instalments.
Printed atProspectus p.1 · cl. 1.1.9
Watch out
Year 1 is always full rate
When it appliesPurchase & renewal
Printed atProspectus p.1 · cl. 1.1.10
When it appliesRenewal only
Stacks withCannot be combined with the Early Renewal Discount.
Printed atProspectus p.1 · cl. 1.1.11
When it appliesTiming not stated
Printed atProspectus p.1 · cl. 1.1.12
When it appliesPurchase & renewal
Printed atProspectus p.1 · cl. 1.1.13
When it appliesRenewal only
Stacks withCannot be combined with the Standing Instruction Discount.
Printed atProspectus p.1 · cl. 1.1.15
When it appliesPurchase & renewal
Printed atProspectus p.2 · cl. 1.1.16
When it appliesPurchase only
Printed atProspectus p.2 · cl. 1.1.17
When it appliesPurchase & renewal
Printed atProspectus p.2 · cl. 1.1.18
Watch out
Must be re-declared at every renewal
In exchange for something2
WorthNot published
When it appliesTiming not stated
In return
Each policy year you pay claims up to your chosen deductible yourself before the policy pays.
WorthNot published
When it appliesTiming not stated
In return
You pay your chosen share of every single claim yourself.
Not offered: a loyalty or existing-customer discount · a no-claim premium discount - claim-free years earn Cash-Bag+ credits and cover boosts instead.
05
91.93% claims settled 10,000 cashless hospitals 2.55 solvency under a minute
Niva Bupa
Filed plan · UIN NBHHLIP26047V012526
0610 comparisons
10 comparisons, every clause that differs under a minute
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 9 Sept 2026.
IRDAI UIN: NBHHLIP26047V012526
3 documents we read this from under a minute