Thread by @BeshakIN

🚨Health insurance plan with NO LIMITS?

That’s what Niva Bupa ReAssure 3.0 promises.

👉Unlimited cover
👉Day 1 coverage for 145 PEDs
👉OPD, global coverage
...and more

But is it really as limitless as it sounds?🤔

Let's break it down👇

#BeshakDecodes #review #notsponsored

🏥 First, what’s different about ReAssure 3.0?

It comes with an unlimited cover model - without bonus or restore benefits.

You can make multiple claims in a year, without worrying about exhausting your sum insured.

🛏️ But unlimited cover ≠ unlimited room choices.

There are 4 variants, and the room rent limit varies across each:

• Classic: General room
• Select: Twin sharing room
• Elite: Any room (except Deluxe, Suite)
• Black: Any room

Choosing a higher room than eligible?
You’ll have to bear proportionate deductions.

beshak.org/insurance/heal…

🩺 Key features across variants:

• All day-care treatments covered
• Pre-hospitalisation: 60 days
• Post-hospitalisation: 180 days
• Organ donor & domiciliary: covered up to SI
• Modern treatments: ₹1L limit (Classic/Select), no limit (Elite/Black)

📍Lock the Clock:

Under Elite & Black variants, your age gets locked at entry for premium calculation - until you make a claim.

⚠️Premiums may still change based on external factors like inflation, etc.

⌛ Waiting periods:

• For specific illnesses: 24 months (can reduce to 12 months or increase to 36 months, with a rider)

• For PEDs: 36 months (can reduce to 24/12 months, with a rider)

It also covers around 145 conditions covered from Day 1 if you choose to pay loading i.e. extra premium (check below image for the list of PEDs)

⚠️ Just note: Below list is tentative and final approval depends on underwriting.

🎁 There’s also “Surprise Benefit” - available only after policy issuance via their mobile app.

🧩 Then there’s Niva Bupa One - a membership offering:

✅ Priority claim handling
✅ Dedicated support

Interesting promise - we’ll need to see how it plays out during real claims.

💸 Copay & Deductible

There isn't any mandatory copay or deductible under the plan.

However, you can voluntarily opt for co-pay and deductible to lower your premium.

💊 OPD coverage with “Well Consult” add-on

You get OPD cover = 5x your premium (capped at ₹1L)

There are 10 benefits available under the OPD cover.

⚠️ If you claim via reimbursement, you’ll have to bear 20% of the approved claim amount as co-pay.

🌍 Want global coverage? You’ve got 2 options:

1️⃣ Borderless: Covers all illnesses globally

2️⃣ Borderless Select: Covers listed illnesses (like cancer, angioplasty, etc.)

There's also an add-on that gives you a cashback for every year that you don’t make a claim under the plan. 💰

🎯 Discounts:

There are multiple discount options available under the plan.

💸 And now, the big question - how expensive is the plan?

Here’s what the base premium looks like for a 35-year-old living in Zone 1 👇

The detailed policy wording for ReAssure 3.0 is not yet publicly available.

As soon as it's released, we’ll update our Health Decoder tool with a complete breakdown of the plan’s features and fine print.

In the meantime, you can analyse & compare other plans already decoded on our website:
beshak.org/insurance/heal…

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