For anyone who's tired of doing the maths on "will this be enough." Go limitless instead.
ReAssure 3.0 is Niva Bupa's flagship — an unlimited base sum insured that means you never sit there wondering if you've picked "enough" cover. With Lock the Clock pricing, ReAssure Forever and worldwide Borderless treatment, it's protection without a ceiling.
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. Your 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 your 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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We stay with you well past the sale.
