New Delhi, Sept. 2 -- When buying health insurance, the first question is always: how much cover is enough- Rs.5 lakh, Rs.10 lakh, or Rs.50 lakh?

Niva Bupa's new ReAssure 3.0 health insurance plan eliminates this dilemma with a policy that offers unlimited cover. You simply pick one of four variants based on room type, and no matter which you choose, your cover will not run out when you are in the hospital - barring a few exceptions.

There are four variants of ReAssure 3.0- Classic (general ward), Select (twin-sharing room), Elite (all rooms except deluxe/suite), and Black (any room). Each variant, except Black, has a limit on the room rent.

Typically, health plans without room rent limits are better because although plans with limits ...