About Niva Bupa ReAssure 3.0 Black Plan
Niva Bupa ReAssure 3.0 Black provides comprehensive medical coverage with unlimited sum insured options. It offers unlimited restoration of the sum insured with the ReAssure Forever benefit and locks the policy purchase premium until a claim is paid with the Lock the Clock benefit. The policy also carries forward unutilized sum insured for up to 10 times of the sum insured with the Booster+ benefit.
Niva Bupa ReAssure 3.0 Plan: Key Highlights
| Categories | Specifications |
|---|---|
| Sum Insured | ₹5 lakh to no coverage limit |
| Pre-Policy Medical Check-ups | May be required |
| Pre-existing Diseases Waiting Period | 3 years |
| Discounts |
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Key Benefits of Niva Bupa ReAssure 3.0 Plan
Niva Bupa ReAssure 3.0 Plan Inclusions, Exclusions & Optional Cover
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Hospitalisation ExpensesIt pays for the medical expenses incurred during hospitalisation of 2 hours or more.
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Road AmbulanceIt covers the charges incurred on availing road ambulance services to transport the insured to the hospital.
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Air AmbulanceIt pays for the cost of availing air ambulance services to transport the insured to the hospital during an emergency.
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AYUSH HospitalisationIt covers hospitalisation expenses incurred on availing treatment at an AYUSH hospital for at least 24 hours.
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Modern TreatmentsIt pays for the cost of availing 12 modern treatments, including robotic surgeries, deep brain stimulation, etc.
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Pre-hospitalisation ExpensesIt covers the healthcare expenses incurred for up to 60 days before getting admitted to the hospital.
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Maternity ExpensesIt does not pay for maternity expenses resulting from pregnancy and childbirth.
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Dental TreatmentsIt does not cover the cost of availing dental treatments unless necessitated due to accidents or cancer.
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Obesity and Weight Control TreatmentIt excludes the medical expenses incurred on surgical treatment of obesity.
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Cosmetic or Plastic SurgeryIt does not cover the cost of undergoing a plastic or cosmetic surgery unless required after an accident, cancer or burns.
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Treatment for Alcoholism or Drug AbuseIt does not pay for the cost of treating alcohol addiction or drug abuse.
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External Congenital AnomalyIt excludes the medical expenses incurred on the screening, counselling and treatment of external congenital anomaly.
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Cash Bag+It provides a cashback on every claim-free year of 10% of the first year's premium and 5% of the renewal premium that can be used to pay for premiums, OPD expenses, co-payment and deductible. It pays an additional 10% cashback after every 3 claim-free years and after every referral to friends and family.
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NivaBupaOneIt offers an exclusive membership to NivaBupaOne that provides premium access to executive health assessment and priority claims and dedicated claim support.
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Annual Health Check-up (Only Cashless)It pays for the cost of annual health check-ups from day 1 of the policy availed on a cashless basis.
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Annual Health Check-up (Cashless + Reimbursement)It covers the cost of availing annual health check-ups from day 1 of the policy either on a cashless or reimbursement basis.
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Heads UpIt recommends the insured to a hospital for admission, provided the insurer is informed 48 hours before planned hospitalisation and within 24 hours of an emergency hospitalisation.
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Tiered NetworkIt allows you to avail treatment at only a specific list of hospitals, failing which will lead to a co-payment of 20%.
Niva Bupa ReAssure 3.0 Plan Waiting Periods
| Categories | Waiting Period |
|---|---|
| Pre-existing Disease Waiting Period | 3 years |
| Specific Disease/Procedure Waiting Period | 2 years |
| Initial Waiting Period | 30 days |
| Critical Illness Waiting Period | 90 days |
| Personal Waiting Period | 4 years |
In case of emergency we are just a call away. Take care of your family, we will do the rest. Our claim specialists will reach your location & complete the formalties from filing the claim to documentation to coordinating with insurer, TPA & hospital. Available in New Delhi and 114+ cities View cities list ›Policybazaar Claim Process
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Niva Bupa ReAssure 3.0 Plan: FAQs
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Q1. Is the Niva Bupa ReAssure 3.0 Black good?
Ans: Yes. The Niva Bupa ReAssure 3.0 Black is a good plan as it offers comprehensive medical coverage within unlimited sum insured options. It provides unlimited restoration of sum insured with the ReAssure Forever benefit and charges the premium paid at the time of purchase unless a claim is filed with the Lock the Clock benefit. It also comes with annual health check-ups, booster+ benefit, wellconsult+ benefit, cashbag+ benefit and liver healthy discount, among other benefits. -
Q2. Does the Niva Bupa ReAssure 3.0 Black cover OPD?
Ans: Yes. The Niva Bupa ReAssure 3.0 Black plan covers OPD expenses with the help of the Wellconsult+ benefit. -
Q3. What are the benefits of Niva Bupa ReAssure 3.0 (Black)?
Ans: Some of the key benefits of the Niva Bupa ReAssure 3.0 Black plan are unlimited sum insured options, ReAssure forever benefit, lock the clock benefit, cashbag+, booster+, annual health check-ups, wellconsult+, and tax benefits.
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Q. What is the advantage of selecting a policy with a duration of more than 1 year?
Ans: If one buys Aditya Birla Health Insurance for more than a year, one can save 7.5 % and 10% on the 2 and 3 years premium, respectively.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. What is a waiver of a mandatory co-pay cover?
Ans: This benefit is covered on payment of an additional premium. Therefore, any mandatory co-payment that is applicable under the Aditya Birla Activ Health Essential Plan will be waived off.
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Niva Bupa Health Insurance offers two types of claim settlements – cashless and reimbursement. Follow the steps to raise a claim:
- Find the nearest network hospital of Niva Bupa Health Insurance
- Get admitted to the hospital
- Notify the insurance company about the hospitalization
- In case of pre-planned hospitalization, intimate the insurer before hospital admission.
- Fill up the pre-authorization form and submit it to the hospital staff
- The pre-authorization form will be sent to Niva Bupa Health Insurance for approval.
- Once approved, obtain medical treatment.
- At the time of discharge, sign all the medical documents.
- Pay for the items/services not covered under the Niva Bupa Health Insurance policy
- The network hospital will send the hospital bill to Niva Bupa Health Insurance.
- After review, the insurance company will pay the bill amount directly to the network hospital.
- Intimate Niva Bupa Health Insurance about the hospitalization
- In case of planned hospitalization, inform the insurance provider before hospital admission.
- Obtain medical treatment
- During discharge, pay the hospital bill in full.
- Collect all the medical documents, hospital bills and receipts
Our Claim specialists in below cities will reach your hospital or home in 30 minutes to support your health insurance claim
