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Niva Bupa · NBHHLIP27059V022627

Niva Bupa ReAssure 3.0

Niva Bupa ReAssure 3.0 (IRDAI UIN NBHHLIP27059V022627) is an individual and family floater health insurance plan with sum insured options of 5 lakh, 10 lakh. Pre-existing diseases are covered after 3 years.

Premiums depend on age, cover, city, health and the options you choose. Where the insurer published a premium, the figure shown is for the exact profile stated next to it; your premium will differ. Comparezi does not sell insurance or give advice: check the insurer's prospectus and policy wording, which prevail.

In short

Niva Bupa ReAssure 3.0 is a health insurance plan from Niva Bupa. Key specifications: plan type Individual and family floater, room rent By variant: Classic General Room; Select Twin Sharing; Elite all rooms except Deluxe/Suite; Black any room (co-payment if room category breached), pre-existing disease waiting 36 months. Among health insurance here it fits best for longer pre- and post-hospital cover.

Premium depends on your profile
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Plan type
Individual and family floater
Room rent
By variant: Classic General Room; Select Twin Sharing; Elite all rooms except Deluxe/Suite; Black any room (co-payment if room category breached)
Pre-existing disease waiting
36 months

Pros

  • No co-payment unless you choose one for a lower premium
  • No room-rent cap

Cons

  • Lower maximum sum insured than 90% of the 52 health insurance plans on Comparezi that state it (₹10 lakh)

Who should buy it

  • Best for Longer pre- and post-hospital cover · What matters most? (pick any) #10 of 53 health insurance for this

Who should avoid it

  • Not ideal for High sum insured available · What matters most? (pick any) #48 of 53

Full specifications

Cover

Plan type Individual and family floater
Sum insured options 5 lakh, 10 lakh
Highest sum insured 10 lakh
Room rent By variant: Classic General Room; Select Twin Sharing; Elite all rooms except Deluxe/Suite; Black any room (co-payment if room category breached)
Co-payment None mandatory; room-category co-payment per Annexure V if eligible room category is breached; optional voluntary co-payment 0%-50%

Waiting periods

Initial waiting period 30 days
Pre-existing disease waiting 36 months
Specific illness waiting 24 months

Benefits

Pre-hospitalisation 60 days
Post-hospitalisation 180 days
Day-care treatment Yes
AYUSH treatment Yes
Restore benefit ReAssure Forever: triggered by the first paid claim, stays for life if renewed without break; each claim up to Base Sum Insured (not applicable where Unlimited Sum Insured is opted)
No-claim bonus Booster+: unutilised Base Sum Insured carries forward, accumulating up to 10 times (based on the plan chosen) of the Base Sum Insured
Maternity Not covered
OPD Not covered in base (unlimited e-consultation, cashless); optional Wellconsult+ OPD cover

Insurer

Health incurred claim ratio (insurer) 61.22%
Claims figures for FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
Network hospitals (insurer) 19,000+
IRDAI UIN NBHHLIP27059V022627

About the ReAssure 3.0

Niva Bupa ReAssure 3.0 (IRDAI UIN NBHHLIP27059V022627) is an individual and family floater health insurance plan with sum insured options of 5 lakh, 10 lakh. Pre-existing diseases are covered after 3 years. It is one of 53 health insurance plans on Comparezi, from Niva Bupa.

Information only. Comparezi does not sell insurance, does not give advice and is not paid by insurers. The policy wording issued by the insurer prevails over this summary.

Cover and limits

  • Plan type: Individual and family floater
  • Sum insured options: 5 lakh, 10 lakh
  • Room rent: By variant: Classic General Room; Select Twin Sharing; Elite all rooms except Deluxe/Suite; Black any room (co-payment if room category breached)
  • Co-payment: None mandatory; room-category co-payment per Annexure V if eligible room category is breached; optional voluntary co-payment 0%-50%

Waiting periods

  • Initial waiting period: 30 days
  • Pre-existing diseases: 3 years
  • Specific illnesses: 2 years

Benefits

  • Pre-hospitalisation: 60 days
  • Post-hospitalisation: 180 days
  • Day-care treatment: Covered
  • AYUSH treatment: Covered
  • Restore benefit: ReAssure Forever: triggered by the first paid claim, stays for life if renewed without break; each claim up to Base Sum Insured (not applicable where Unlimited Sum Insured is opted)
  • No-claim bonus: Booster+: unutilised Base Sum Insured carries forward, accumulating up to 10 times (based on the plan chosen) of the Base Sum Insured
  • Maternity: Not covered
  • OPD: Not covered in base (unlimited e-consultation, cashless); optional Wellconsult+ OPD cover

How it compares on Comparezi

Of the 50 health insurance plans on Comparezi with a stated pre-existing disease waiting period, 9 have a shorter one and 40 have the same. Of the 49 health insurance plans on Comparezi with a stated post-hospitalisation period, none has a longer one and 21 have the same.

Premium

It depends on your age, cover, city and options. Niva Bupa does not publish a premium chart for this plan that Comparezi could check, so no figure is shown. Get a quote from the insurer.

About the insurer

Niva Bupa's health incurred claim ratio was 61.22% in FY 2024-25 (IRDAI Annual Report; includes personal accident). An incurred claim ratio compares claims with premiums earned; it is not the share of claims paid. Niva Bupa states a network of 19,000+ hospitals.

Similar plans from other insurers

Other health insurance plans from Niva Bupa

Sources

Checked 6 November 2026. Values the documents do not state are left out rather than estimated. See how Comparezi checks data.

Alternatives

Alternatives to the ReAssure 3.0

All health insurance →

Generali Central

Health Absolute - Classic

  • Individual and family floater Plan type
  • No sub-limit stated (Reasonable and Customary room rent, up to Sum Insured) Room rent
  • 24 months Pre-existing disease waiting
Sample premium ₹13,986 a year*

New India Assurance

Arogya Sanjeevani Policy

  • Individual and family floater Plan type
  • 2% of sum insured subject to maximum of Rs.5000/- per day Room rent
  • 36 months Pre-existing disease waiting
Sample premium ₹8,836 a year*

Similar cover

Similar health insurance plans

Niva Bupa

Aspire

  • Individual and family floater Plan type
  • No limit (any room); optional room type modification Room rent
Premium depends on your profile

Niva Bupa

Rise

  • Individual and family floater Plan type
  • Up to twin sharing room without co-payment; flat 20% co-payment if above twin sharing room Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

Head to head

Compare the ReAssure 3.0

Questions

ReAssure 3.0 FAQs

It depends on your age, cover, city and options. Niva Bupa does not publish a premium chart for this plan that Comparezi could check, so no figure is shown. Get a quote from the insurer.

NBHHLIP27059V022627. The UIN identifies the exact product version filed with IRDAI; check it on your policy documents.

3 years, as stated by the insurer.

Room rent as stated by the insurer: By variant: Classic General Room; Select Twin Sharing; Elite all rooms except Deluxe/Suite; Black any room (co-payment if room category breached).

Co-payment as stated by the insurer: None mandatory; room-category co-payment per Annexure V if eligible room category is breached; optional voluntary co-payment 0%-50%.

Maternity as stated by the insurer: Not covered.

60 days before and 180 days after hospitalisation.

5 lakh, 10 lakh.

Data sources

  • Manufacturer official pages

Last updated

Product details

Disclosure

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