Insurance Company
Niva Bupa Health Insurance
Policy Name
ReAssure 3.0 Black
Expert Overview -
Niva Bupa Health Insurance began operations in 2008 and has over a decade of experience in standalone health insurance. Backed by Bupa’s global healthcare expertise, it has built a strong retail health insurance portfolio in India.
Plan Strategy -
Comprehensive health insurance plan offering no room rent limits, no sub limits, unlimited restoration and premium lock-in basis entry age
Network Hospitals
10,000+
>8,500 recommended
Claim Ratio
91.88%
>95% recommended
Complaints
42.62
<20 recommended
Policy Features
Policy Analysis Detail
Inbuilt Value
Strategic Verdict
Co-payment
If yes, you will have to pay part of bill
No co-payment
No Co-payment
Room Rent Limit
If higher-category room, you pay part of the bill
No room rent capping
No room rent capping
Disease sub-limit
Leads to some disease not getting covered fully
No sub limit applicable
No sub-limit
No Claim Bonus
Bonus you receive every year on renewal
Unlimited coverage
50% each year (Minimum upto 100%)
Restoration Benefit
Even after claim, base cover gets restored
Unlimited restoration available
100% restoration once in a year
Pre-Hospitalization
Days covered before hospitalization
60 days
At least 60 days
Post-Hospitalization
Days covered after hospitalization
180 day
At least 120 days
Consumables
Coverage for non-medical consumable items
Non-medical consumables excluded
Consumables covered
Based on IRDAI Public Disclosures (2025-26)
Enhanced Coverage
Key Add Ons Available
PreExisting Disease Wait Time
Modification-Modify the Pre-Existing Disease Waiting Period from the current to 12 months, 24 Months
Specific Disease Wait Time
ModificationModify the Specific Disease Waiting Period from the current to 12 months, 36 Months
Claim Safeguard+All Nonpayable items will be covered
Timing Constraints
Waiting Period Analysis
Initial Waiting Period
30 days
Specific Illness
2 years
Pre-Existing Disease
3 years
