ReAssure 3.0 Black in one table
| Insurer | Niva Bupa Health Insurance Company Limited |
|---|---|
| Sum insured | Three options only – ₹5 lakh, ₹10 lakh, or Unlimited |
Claim settlement and complaint figures are IRDAI-published and held centrally by NYVO, not taken from the insurer's marketing.
What ReAssure 3.0 Black covers
These are the terms that decide what you are actually paid when you claim. Room rent, co-pay and restoration do more to shape a settlement than the sum insured does, and they are read from Niva Bupa's own policy wording.
| Feature | This plan | What good looks like |
|---|---|---|
| Co-payment | None on Black – no room-category co-pay either, unlike the Classic, Select and Elite variants. A voluntary 10% to 50% co-pay can be chosen to cut the premium | No Co-payment |
| Room Rent Limit | No room type capping – covered up to the sum insured in any category | No room rent capping |
| Disease sub-limit | No disease sub-limits. Modern treatments are paid up to the sum insured, and cataract is not restricted to a mono-focal lens as it is on Classic and Select | No sub-limit |
| Booster+ (annual bonus) | 100% of the base sum insured added each year, accumulating to a maximum of 1000% | 50% each year (Minimum upto 100%) |
| Restoration Benefit (ReAssure Forever) | Your first paid claim triggers it, and it then applies unlimited times for life. Each refill is capped at the base sum insured. Not applicable if you buy the Unlimited sum insured option | 100% restoration once in a year |
| Pre-Hospitalization | 60 days, up to the sum insured. Can be moved to 90 or 180 days for extra premium | At least 60 days |
| Post-Hospitalization | 180 days, up to the sum insured. Can be moved to 270 or 365 days for extra premium | At least 120 days |
| Consumables | Not covered in the base plan – needs the paid Claim Safeguard+ option, which pays every non-payable item across Lists I to IV | Consumables covered |
| Air Ambulance | Up to ₹5 lakh per hospitalisation. Road ambulance is paid up to the sum insured | Included |
| Day-Care Treatment | Covered up to the sum insured; an admission of 2 hours or more qualifies | Covered without a capped list |
| AYUSH Treatment | Covered up to the sum insured in an AYUSH hospital, with a 24-hour admission | Included |
| Annual Health Check-up | Not in the base plan. It is an optional benefit, in a cashless-only version or a cashless-plus-reimbursement version, available from day one | Included |
| Entry age | Adults 18 to 99. Dependent children 91 days to 30 years. No maximum age at which cover stops on renewal | No maximum entry age |
ReAssure 3.0 Black add-ons you can buy with it
Each of these costs extra and each has its own conditions. Some are genuinely worth it; several exist to patch a gap in the base plan. Ask what each one adds before it goes on your quote.
ReAssure 3.0 Black discounts you can ask for
Published discounts on this plan. Most are applied at quote stage rather than offered, so it is worth naming the ones you qualify for. Every figure is a ceiling, not a promise - what you actually get depends on the case.
| Discount | Worth | When it applies |
|---|---|---|
| Live Healthy | Up to 30% | Earned by walking – 1,000 steps is one health point. Applied at renewal on the score recorded 90 days before the due date. |
| NRI discount | Up to 15% | Applied at policy level at new business and renewal, if every insured person declares themselves an NRI at both stages. |
| Family discount | Up to 10% | Two or more members covered under one individual policy. |
| Pre-issuance preventive test | Up to 10% | Take the preventive test through the Niva Bupa app before buying and the new-business premium drops 10%, with the test fee refunded. |
| Long-term discount | Up to 10% and 12.5% | 10% off year two, and 12.5% off each year from the third onwards, up to a five-year term. Not available on instalments. |
| Digital discount | Up to 5% | Buying and renewing through an online public portal. |
| Doctor discount | Up to 5% | If an insured person is a certified medical practitioner. |
From the ReAssure 3.0 prospectus. Discounts apply to the premium and are subject to the insurer's own stacking rules.
ReAssure 3.0 Black waiting periods: when each part of the cover starts
Waiting periods run from the day cover began, not from the day you fall ill, and they run in parallel rather than one after another.
| Initial Waiting Period | 30 days |
|---|---|
| Specific Illness | 24 months |
| Pre-Existing Disease | 36 months |
| Personal Waiting Period (conditions named on your schedule) | Up to 48 months |
The named illnesses that wait 24 months
These wait 24 months from the start of your first ReAssure 3.0 policy. An accident is covered from day one and cancer after only the 30-day wait. If the same condition is also pre-existing, the longer 36-month clock applies. Indicative list – the wording carries the full set.
ReAssure 3.0 Black exclusions: what the plan will not pay for
Every policy carries exclusions, and they are the clauses people read for the first time at claim stage. These are the ones worth knowing before you buy.
Where ReAssure 3.0 Black falls short
No plan is right for everyone, and a page that only lists strengths is not much use to you. These are the gaps we would raise on a call before recommending it.
ReAssure 3.0 Black questions, answered
How does the Booster+ bonus work on ReAssure 3.0 Black?
100% of your base sum insured is added each year and it keeps accumulating to a maximum of 1000%. On a ₹10 lakh policy that is a ceiling of ₹1 crore of Booster+ on top of the base cover. It credits the part of your cover you did not use, so a claim in a year means no addition for that year, and if you later cut your base sum insured the accumulated Booster+ is reduced in proportion.
What does ReAssure Forever actually give me?
The first claim the insurer pays switches it on, and once switched on it stays for the life of the policy provided you renew without a break. After that it refills your cover an unlimited number of times, each refill capped at the base sum insured. One thing to know before you buy: it does not apply to policies taken on the Unlimited sum insured option, because there is nothing to refill.
Is there a room rent limit or room co-payment?
Not on Black. It is the only ReAssure 3.0 variant with no room type capping, and the co-payment grid that penalises Classic, Select and Elite buyers for taking a higher room category does not apply to it. On Classic, by contrast, taking any room above a general ward triggers a 20% to 50% co-payment on the entire claim.
Can I change the waiting periods?
Yes, in both directions, and that is the part to watch. The pre-existing wait can come down from 36 months to 24 or 12. The initial wait can come down from 30 days to 15, 10 or 7. But the specific-disease option runs both ways – 12 months shortens it, while 36 months lengthens it in exchange for a cheaper premium. All of these can only be chosen when you buy, never at a renewal.
What is Lock the Clock on this plan?
Your premium is charged at the age you were when you bought the policy and stays there until a claim is paid. It is available on Elite and Black only – Classic and Select do not get it. Once a claim is paid the age unlocks, and on a floater a claim by any member unlocks the whole policy.
Does the plan cover consumables?
Not as standard. Claim Safeguard+ is the option that does it, and it covers every non-payable item across all four annexure lists rather than a subset. Without it, the gloves, PPE, syringes and administrative charges that a hospital bills separately are yours to settle after the claim is paid.
Read it from the insurer
We summarise. The policy wording is the contract, and it is the only document that settles a dispute. These links go to the insurer's own pages.
Understand the terms before you commit
A plan page tells you what this policy does. These explain why each term matters and what it costs you when it is missing.
Other Niva Bupa plans we have read
Niva Bupa files these separately, and the terms differ between them. If you are choosing within the range, compare the waiting periods and the exclusions rather than the sum insured.