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Insurance Plans Comparison

Aditya Birla Activ Health Platinum Essential vs Niva Bupa Reassure 3.0 Select

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Aditya Birla

Activ Health Platinum Essential

Activ Health Platinum Essential

What Makes It Special:

Activ Health Platinum Essential combines hospitalization protection with wellness and chronic-care features, including Day 1 coverage for specified chronic conditions under the applicable product terms.

Best For:

  • Customers wanting health assessment support

  • Buyers looking for wellness benefits

  • People with listed lifestyle conditions

  • Customers looking for an affordable, comprehensive plan

VS
Niva Bupa

Reassure 3.0 Select

ReAssure 3.0 Select

What Makes It Special:

Reassure 3.0 focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.

Best For:

  • Not available

Insurance Plans Comparison

Get Personalized Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Quick Decision Guide

Aditya Birla Activ Health Platinum Essential

  • Customers wanting health assessment support

  • Buyers looking for wellness benefits

  • People with listed lifestyle conditions

  • Customers looking for an affordable comprehensive plan

Niva Bupa Reassure 3.0 Select

Not available

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Activ Health Platinum Essential
Activ Health Platinum Essential

Health Insurance Plan

Brochure

VS
Reassure 3.0 Select
Reassure 3.0 Select

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Activ Health Platinum Essential

Any room.

VS

Reassure 3.0 Select

Select covers up to Twin Sharing Room; higher rooms attract co-payment.

ICU Charges

Activ Health Platinum Essential

Covered

VS

Reassure 3.0 Select

Covered under hospitalisation expenses up to applicable SI.

Co-payment

Activ Health Platinum Essential

20% mandatory unless applicable waiver is selected.

VS

Reassure 3.0 Select

Selectable: 0%, 10%, 20%, 30%, 40%, 50% options.

Disease-wise sublimits

Activ Health Platinum Essential

Applicable.

VS

Reassure 3.0 Select

₹1L limit per claim for specified modern treatments

Cashless Healthcare Providers

Activ Health Platinum Essential

16,500 + current insurer network

VS

Reassure 3.0 Select

Niva Bupa network hospitals subject to authorisation

Restoration Benefit

Activ Health Platinum Essential

Available as add-on.

VS

Reassure 3.0 Select

ReAssure Forever: Base SI restored after first claim, unlimited times.

Cumulative Bonus

Activ Health Platinum Essential

10% per year, up to 100%

VS

Reassure 3.0 Select

Booster+ add on: Accumulates up to 10X base SI carried forward annually

Daycare Treatment

Activ Health Platinum Essential

Covered.

VS

Reassure 3.0 Select

Covered for ≥2 hours hospitalisations per policy terms.

Consumable Cover

Activ Health Platinum Essential

Optional/subject to policy.

VS

Reassure 3.0 Select

Claim Safeguard+ available as optional benefit

AYUSH Treatment

Activ Health Platinum Essential

Covered.

VS

Reassure 3.0 Select

Covered for ≥24 hours AYUSH hospitalisation up to SI.

Initial Waiting Period

Activ Health Platinum Essential

30 days

VS

Reassure 3.0 Select

30 days (except accidents).

Specific Waiting Period

Activ Health Platinum Essential

24 months

VS

Reassure 3.0 Select

24 months standard; Specific Disease modification to 12 or 16 months.

PED Waiting Period

Activ Health Platinum Essential

36 months

VS

Reassure 3.0 Select

36 months standard; modifiable to 12 or 24 months.

Modern Treatment

Activ Health Platinum Essential

Covered.

VS

Reassure 3.0 Select

Modern treatments covered up to ₹1L per complete claim amount.

Annual Health Checkup

Activ Health Platinum Essential

Once every policy year

VS

Reassure 3.0 Select

Available from Day 1 on cashless basis per defined packages.

Pre-Hospitalisation

Activ Health Platinum Essential

30 days

VS

Reassure 3.0 Select

Up to 60 days before hospitalisation when related to approved claim.

Post-Hospitalisation

Activ Health Platinum Essential

60 days

VS

Reassure 3.0 Select

Covered for 180 days after discharge for eligible expenses.

Outpatient Department Cover (OPD Expense)

Activ Health Platinum Essential

Not standard base limit

VS

Reassure 3.0 Select

Not in base; Wellconsult+ add on provides OPD and wellness benefits.

Deductible Option

Activ Health Platinum Essential

Subject to applicable optional benefit

VS

Reassure 3.0 Select

Annual Aggregate Deductible: ₹10K to ₹5L range.

Coverage Options

Activ Health Platinum Essential

Individual / Family Floater

VS

Reassure 3.0 Select

Unlimited Sum Insured option available.

Claim Settlement Ratio

Activ Health Platinum Essential

97%

VS

Reassure 3.0 Select

80%

Maternity Cover

Activ Health Platinum Essential

Available as an add-on

VS

Reassure 3.0 Select

Not in standard, Select variant base benefits.

Insurance Plans Comparison

Still Confused? Get Expert Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Why Choose Our Expert Consultation?

End-to-End Support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

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Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

Expert-Led Policy Review

  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

Smart, Tech-Enabled Experience

  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

Having questions? We've got answers. Explore our FAQs to find the information you need.

1-5 of 10 FAQs

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