Insurance Plans Comparison
Aditya Birla Activ One SAVR vs Niva Bupa Reassure 3.0 Black
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreActiv One SAVR
Activ One SAVR
What Makes It Special:
Activ One is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.
Best For:
- Not available
VS
Reassure 3.0 Black
Premium health insurance coverage with unlimited sum-insured options, flexible co-payment and deductible choices, and additional benefits subject to policy terms.
What Makes It Special:
Niva Bupa ReAssure 3.0 Black is the Black variant of the ReAssure 3.0 health insurance product. The supplied brochure lists coverage for hospitalisation expenses, modern treatments, AYUSH treatment, pre- and post-hospitalisation expenses, and ambulance services. It also describes benefits such as Lock the Clock, Live Healthy, Cash-Bag+, and optional Wellconsult+,...
Best For:
Buyers who want to explore premium-related benefits such as Lock the Clock and claim-free-year cashback through Cash-Bag+, subject to the applicable terms.
Individuals interested in additional benefits such as OPD services through Wellconsult+ or non-payable-item coverage through Claim Safeguard+, where available.
Buyers who value any-room coverage, as listed for the Black variant in the brochure.
Individuals who prefer the flexibility to choose a co-payment percentage or annual aggregate deductible.
Buyers seeking a health insurance plan with unlimited sum-insured options, subject to availability and policy conditions.
Insurance Plans Comparison
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Quick Decision Guide
Not available
Optional benefits and exclusions: Confirm the availability and cost of Wellconsult+, Claim Safeguard+, Borderless, and other optional benefits, along with their individual limits and exclusions.
Room eligibility and network: Verify the any-room benefit, room-category restrictions, network hospitals, and potential co-payment when specified conditions are not met.
Co-payment and deductibles: Compare the available percentages and deductible amounts. Understand how these affect the amount payable during a claim.
Waiting periods: Check the initial waiting period, specific-disease waiting periods, and pre-existing disease waiting period. Confirm whether any optional modification has been accepted.
Sum insured: Confirm the available sum-insured options, premium, and the precise meaning of unlimited coverage under the policy.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Activ One SAVR Health Insurance Plan VS VS |
Reassure 3.0 Black Health Insurance Plan |
| Room Rent |
|---|
Activ One SAVR Covered up to base sum insured |
VS VS |
Reassure 3.0 Black Any room category covered up to SI with no room-type capping. |
| ICU Charges |
|---|
Activ One SAVR Covered up to base sum insured. |
VS VS |
Reassure 3.0 Black Covered as part of hospitalisation expenses up to applicable SI |
| Co-payment |
|---|
Activ One SAVR No zone-wise co-payment. |
VS VS |
Reassure 3.0 Black Optional: 0%, 10%, 20%, 30%, 40%, 50% choices available. |
| Disease-wise sublimits |
|---|
Activ One SAVR No cap on major treatments. |
VS VS |
Reassure 3.0 Black No general disease-wise sublimit specified |
| Cashless Healthcare Providers |
|---|
Activ One SAVR 16,500 + current insurer network |
VS VS |
Reassure 3.0 Black Available through Niva Bupa network hospitals. |
| Restoration Benefit |
|---|
Activ One SAVR 100% base sum insured is reinstated instantly upon exhaustion, usable unlimited times per policy year for both same or different illnesses under super reload. |
VS VS |
Reassure 3.0 Black ReAssure Forever: Base SI restored after first claim, unlimited times for life. |
| Cumulative Bonus |
|---|
Activ One SAVR Super credit structure is present. |
VS VS |
Reassure 3.0 Black Booster+ add on: Accumulates up to 10X base SI carried forward annually. |
| Daycare Treatment |
|---|
Activ One SAVR Covered |
VS VS |
Reassure 3.0 Black Eligible Day Care Treatments covered under hospitalisation benefit. |
| Consumable Cover |
|---|
Activ One SAVR Claim protect is present. |
VS VS |
Reassure 3.0 Black Yes, medicines, drugs and consumables included in hospitalisation expenses. |
| AYUSH Treatment |
|---|
Activ One SAVR Full coverage for inpatient hospital admissions in recognised Ayurveda, Yoga, Unani, Siddha, and Homoeopathy medical facilities up to sum insured |
VS VS |
Reassure 3.0 Black Covers AYUSH hospitalisation up to applicable SI |
| Initial Waiting Period |
|---|
Activ One SAVR 30 days |
VS VS |
Reassure 3.0 Black 30 days (standard terms apply). |
| Specific Waiting Period |
|---|
Activ One SAVR 24 months |
VS VS |
Reassure 3.0 Black Standard period with option to modify to 12 or 36 months. |
| PED Waiting Period |
|---|
Activ One SAVR 36 months |
VS VS |
Reassure 3.0 Black Standard 36 months with option to modify to 12 or 24 months |
| Modern Treatment |
|---|
Activ One SAVR Covered up to base sum insured. |
VS VS |
Reassure 3.0 Black Covers robotic surgery, oral chemotherapy, stereotactic radiosurgery, deep brain stimulation, intravitreal injections up to applicable SI. |
| Annual Health Checkup |
|---|
Activ One SAVR Once every policy year |
VS VS |
Reassure 3.0 Black Not in Black variant base; NivaBupaOne provides Executive Health Assessment separately. |
| Pre-Hospitalisation |
|---|
Activ One SAVR 90 days |
VS VS |
Reassure 3.0 Black Up to 60 days before hospitalisation when related to approved claim. |
| Post-Hospitalisation |
|---|
Activ One SAVR 180 days |
VS VS |
Reassure 3.0 Black Up to 180 days after discharge for related eligible medical expenses. |
| Outpatient Department Cover (OPD Expense) |
|---|
Activ One SAVR Chronic care programme is present as an optional add-on, where outpatient doctor consultation, e-consults, and diagnostic tests specifically for managed conditions are present |
VS VS |
Reassure 3.0 Black Not in base; Wellconsult+ available as optional OPD benefit. |
| Deductible Option |
|---|
Activ One SAVR Available |
VS VS |
Reassure 3.0 Black Annual Aggregate Deductible available: ₹10K to ₹5L range. |
| Coverage Options |
|---|
Activ One SAVR Available as individual and floater |
VS VS |
Reassure 3.0 Black ₹5L, ₹10L, Unlimited SI. |
| Claim Settlement Ratio |
|---|
Activ One SAVR 97% insurer level FY 2025-26 |
VS VS |
Reassure 3.0 Black 80% |
| Maternity Cover |
|---|
Activ One SAVR Not covered under standard policy structure. |
VS VS |
Reassure 3.0 Black Not in standard Black variant benefits. |
Insurance Plans Comparison
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