Compare Premiums with ReAssure 3.0 Health Insurance Premium Calculator

Health insurance is a vital tool for safeguarding your financial stability and ensuring access to quality medical care when you need it most. With rising healthcare costs, choosing the right plan can feel overwhelming, especially when balancing coverage needs with affordability. The ReAssure 3.0 premium calculator simplifies this process, offering a user-friendly way to estimate costs and tailor a policy to your unique requirements. This blog explores how this innovative tool, paired with the robust features of the ReAssure 3.0 policy premium, empowers you to make informed decisions about your health coverage.

Why Use a Health Insurance Premium Calculator?

Health insurance premium calculators are online tools designed to provide quick and accurate estimates of the costs associated with a policy. By giving key details such as age, family size, and coverage preferences, you can instantly see how much you’ll pay for a plan like the ReAssure 3.0 policy premium. These calculators eliminate the guesswork, allowing you to compare options, customise benefits, and plan your finances effectively.

Benefits of Using the ReAssure 3.0 Premium Calculator

The ReAssure 3.0 premium calculator stands out for its simplicity and transparency, offering several advantages:

• Instant Estimates: Get a clear picture of your premium costs in seconds, without needing to contact an agent or wade through complex policy documents.
• Customisation Flexibility: Adjust variables like coverage amount, add-ons, and co-payment options to see how they impact your ReAssure 3.0 policy premium.
• Informed Decision-Making: Compare different plan variants to find the one that aligns with your healthcare needs and budget.
• Time-Saving: Avoid lengthy consultations by exploring multiple scenarios quickly and efficiently.
• Transparency: Understand how factors like age or add-ons affect your premium, ensuring no surprises when you buy ReAssure 3.0 policy.

This tool empowers you to take control of your health insurance journey, making it easier to plan for both immediate and long-term medical needs.

Understanding the ReAssure 3.0 Plan

The ReAssure 3.0 policy premium is part of a comprehensive health insurance plan designed to offer flexibility, extensive coverage, and innovative features. Unlike traditional plans that focus solely on hospitalisation, this policy integrates wellness incentives, global coverage options, and financial safeguards to create a holistic healthcare solution. Whether you’re seeking protection for yourself or your family, the plan adapts to various life stages and needs, ensuring you’re always covered.

Key Features That Set ReAssure 3.0 Apart

The ReAssure 3.0 plan is built on a foundation of standout features that go beyond standard medical insurance offerings. Here’s a closer look at what makes it unique:

Unlimited Sum Insured

One of the most compelling aspects of the ReAssure 3.0 policy premium is its unlimited base sum insured, which is available across both Elite and Black variants. This eliminates the worry of exhausting your coverage during medical emergencies, providing financial freedom when you need it most. Whether it’s a minor procedure or a major surgery, you can rest assured that your policy has you covered without restrictive caps.

Day 1 PED Cover

For those with pre-existing diseases, the plan offers an option for immediate coverage for 145 illnesses from day one. By paying a small underwriting loading, you can bypass standard waiting periods, ensuring uninterrupted access to care. Alternatively, you can opt for standard waiting periods if that suits your needs better, offering flexibility when you buy a ReAssure 3.0 policy.

Cash-Bag+ Rewards

The plan rewards healthy habits through its Cash-Bag+ feature. After the first claim-free year, you receive 10% of your renewal premium back, followed by 5% each subsequent year. After three consecutive claim-free years, an additional 10% bonus is credited. These rewards can be used for outpatient expenses, premiums, or co-payments, and can even be shared with nominated individuals, adding a unique layer of value.

HeadsUp Benefit

Planning a hospitalisation? The HeadsUp feature guides you to the right hospital when you inform the insurer 48 hours in advance. This ensures lower costs, reduced stress, and greater convenience, making planned treatments smoother and more cost-effective.

Exploring the Base Benefits

The ReAssure 3.0 policy premium is built on a robust set of base benefits that form the core of your coverage. These benefits are designed to address essential healthcare needs, from hospitalisation to post-treatment care, while offering flexibility to suit different preferences.

Room Type Flexibility

The plan offers tiered room entitlement options to match your comfort and budget needs:

This structure ensures you can choose a variant that aligns with your priorities, whether it’s affordability or premium comfort, when you buy ReAssure 3.0 policy.

Comprehensive Hospitalisation Coverage

Hospitalisation expenses are covered extensively, including:

• In-Patient Care: Full coverage for treatments requiring over 24 hours of hospitalisation, including AYUSH therapies.
• Ambulance Services: Road ambulance coverage is INR 2,000 for the Select and Classic variants, while it is unlimited for the Elite and Black variants. For air ambulance, you get coverage up to INR 5L for the Elite and Black variants only.
• Modern Treatments: Advanced medical procedures are covered up to the sum insured, with an INR 1 Lac sub-limit for specific robotic surgeries (removable with an add-on).

This comprehensive approach ensures you have access to the best care without worrying about escalating costs.

Pre and Post-Hospitalisation Support

Medical care often extends beyond hospital stays, and the ReAssure 3.0 policy premium covers:

• Pre-Hospitalisation: Up to 60 days for consultations, diagnostics, and medications.
• Post-Hospitalisation: Up to 180 days for follow-up care, ensuring a smooth recovery.
• Domiciliary Treatment: Home-based care for those unable to visit a hospital, covered up to the sum insured.
• Organ Donor Expenses: Full coverage for transplant-related costs, easing the financial burden of life-saving procedures.

These benefits provide a holistic safety net, supporting you through every stage of treatment.

Wellness Incentives

The Live Healthy benefit encourages proactive health management by offering up to 30% of your renewal premium back for engaging in wellness activities. This transforms the ReAssure 3.0 policy premium into a partner for long-term health, rewarding you for staying active and reducing future claims.

Advanced Features for Enhanced Protection

Beyond the base benefits, the plan introduces advanced features that add convenience and immediacy to your coverage, particularly in higher variants.

Lock the Clock

Available in Elite and Black variants, this feature allows you to pay premiums based on your entry age until a claim is made. This locks in lower rates for longer, providing cost stability when you buy a ReAssure 3.0 policy.

Surprise Benefit and Consultations

• Surprise Benefit: A voucher redeemable via the mobile app, applicable towards claim costs.
• Unlimited Second Medical Opinions: Cashless consultations for complex medical decisions.
• E-Consultations: Unlimited virtual sessions through the app, making expert advice easily accessible.

These features enhance the practicality and accessibility of your coverage, ensuring you have support at your fingertips.

Customising Your Plan with Optional Benefits

The ReAssure 3.0 premium calculator allows you to explore optional benefits, letting you tailor your policy to specific needs. These add-ons cater to financial, global, and wellness requirements, ensuring a personalised experience.

Financial Add-Ons

• Co-Payment Options: Choose from 0% to 50% to manage your ReAssure 3.0 policy premium.
• Personal Accident Cover: Ranges from INR 10 Lacs (Classic) to INR 1 Crore (Black).
• Hospital Daily Cash: INR 1,000 per day for up to 30 days annually.
• Annual Aggregate Deductibles: From INR 10,000 to INR 5,00,000, balancing cost and coverage.

Claim Safeguard+ and OPD Cover

• Safeguard+: Covers non-payable items up to five times the total premium (excluding this benefit and GST).
• OPD Coverage: Reimbursement-based outpatient care, up to five times the premium without this add-on’s cost, with co-payment options.

Global Coverage

• Borderless Add-On: Covers worldwide treatment up to INR 10 Lacs (Select and Elite) or INR 5 Cr (Black), with co-pay flexibility.
• Borderless for Specific Illness: Covers listed conditions globally, with limits varying by variant.

These options ensure your policy adapts to your lifestyle, whether you travel frequently or require specialised care abroad.

Why ReAssure 3.0 Stands Out?

The ReAssure 3.0 policy premium combines unlimited coverage, innovative rewards, and flexible add-ons to create a plan that feels like a true partner in your healthcare journey. It goes beyond reactive financial protection, encouraging wellness and offering global treatment options. Whether you’re planning for routine check-ups or preparing for unexpected emergencies, this policy provides peace of mind through its comprehensive and adaptable features.

Reasons to Buy ReAssure 3.0 Policy

• Comprehensive Coverage: From hospitalisation to modern treatments, it addresses diverse medical needs.
• Flexible Benefits: Customise with variants, add-ons, and co-pay options to suit your budget.
• Value-Added Features: Health check-ups, second opinions, and home care treatment enhance overall wellness.
• Financial Security: Unlimited sum insured and global coverage ensure you’re protected in any scenario.

When you buy ReAssure 3.0 policy, you’re investing in a plan that prioritises both your health and financial well-being.

Conclusion

The ReAssure 3.0 premium calculator is an invaluable tool for anyone navigating the complexities of health insurance. By offering instant, transparent estimates, it empowers you to compare premiums, customise coverage, and make informed decisions. Paired with the ReAssure 3.0 policy premium, which delivers unlimited sum insured, wellness incentives, and global treatment options, this plan redefines what health insurance can achieve. Whether you’re safeguarding your family or planning for your own healthcare needs, the flexibility and comprehensive coverage of this policy ensure you’re prepared for any eventuality. Use the ReAssure 3.0 premium calculator today to explore your options and buy ReAssure 3.0 policy for a future filled with reassurance.

People Also Ask

What is ReAssure Forever?

It provides unlimited reinstatement of your base sum insured in the same policy year, even for the same illness, starting from the first claim, ensuring your coverage never runs out.

How does the Booster+  Benefit work?

You gain 50% additional sum insured per claim-free year, up to 100%, with safeguards preventing reduction for small claims under INR 50,000 or COVID-19 hospitalisations.

Can I get discounts on premiums?

Yes, through the Live Healthy benefit, you can earn up to 30% renewal discount by tracking wellness activities. The Tiered Network add-on also offers a 15% discount for using network hospitals.

What are the sum insured options?

Options range from INR 5 Lacs, 10 Lacs and unlimited sum insured, available in individual or family floater plans to suit various needs.

Are there waiting periods for pre-existing diseases?

Standard waiting periods apply, but with the Day 1 PED cover option you can get immediate protection for up to 145 illnesses with additional loading.

What wellness benefits are included?

Annual health check-ups from day one, Live Healthy discounts, and concierge services via priority membership enhance your healthcare experience.

How does air ambulance coverage work?

Cashless coverage is provided up to the sum insured, with reimbursement limited to INR 2.5 Lacs, ensuring swift transport during emergencies.