ReAssure 3.0 is Niva Bupa's flagship — an unlimited base sum insured that means you never worry about running out of cover. With Lock the Clock pricing, ReAssure Forever and worldwide Borderless treatment, it's protection without limits.
Best for Anyone who wants a limitless safety net with global cover and premium that locks at entry age.
The headline benefits that matter most — summarised from the official insurer brochure.
Every variant comes with an unlimited base sum insured — cover that simply doesn't run out.
Pay the premium of the age you entered at, until a claim is paid (Elite & Black variants).
Get treated anywhere in the world — up to ₹10 L, ₹50 L or ₹5 Cr depending on your variant.
Earn up to 30% discount on renewal premium for staying active.
Consult specialists instantly through the Niva Bupa app, unlimited and cashless.
Accumulate cashback on every claim-free year, plus exclusive membership with priority claims.
Every variant carries an unlimited base sum insured — step up for more room comfort, global cover and premium locking.
ReAssure 3.0 goes beyond cover — Cash-Bag+ lets you accumulate cashback on every claim-free year to pay premiums or OPD, while NivaBupaOne membership unlocks priority claims and dedicated support.
Quick reference for the essentials. Our advisor will confirm exact terms for your profile.
| Base Sum Insured | Unlimited (other SI options also available) |
|---|---|
| Variants | Classic · Select · Elite · Black |
| Co-Payment | 0% / 10% / 20% / 30% / 40% / 50% options |
| Wellconsult+ OPD | Up to 5X of total premium for OPD |
| Second Opinion | Covered within network |
| E-Consultation | Unlimited (cashless) |
Source: Niva Bupa Health Insurance product brochure. Subject to policy terms, conditions and exclusions.
Share a few details and our advisor will come back with exact premiums, the right variant and any discounts you qualify for — usually within a few hours.
Just honest advice tailored to your family.
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