Insurance Plans Comparison
Care Advantage vs Niva Bupa Reassure 3.0 Select
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreAdvantage
Care Advantage Health Insurance
What Makes It Special:
Premium plan offering high Sum Insured up to ₹1 Crore with optional global coverage.
Best For:
Nationwide cashless treatment network
High sum insured with flexible add-ons
Broad coverage including AYUSH and daycare
Comprehensive health and wellness protection
VS
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
You want flexibility in sum insured and add-on benefits
You value regular health check-ups and ambulance coverage
You seek cashless hospitalization services across many hospitals
You prefer optional add-ons for extra critical illness cover
You want extensive hospital and daycare coverage
Not available
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Advantage Health Insurance Plan VS VS |
Reassure 3.0 Select Health Insurance Plan |
| Room Rent |
|---|
Advantage All room categories are covered |
VS VS |
Reassure 3.0 Select Select covers up to Twin Sharing Room; higher rooms attract co-payment. |
| ICU Charges |
|---|
Advantage No restriction on ICU room rent |
VS VS |
Reassure 3.0 Select Covered under hospitalisation expenses up to applicable SI. |
| Disease-wise sublimits |
|---|
Advantage No |
VS VS |
Reassure 3.0 Select ₹1L limit per claim for specified modern treatments |
| Co-payment |
|---|
Advantage Available as an option |
VS VS |
Reassure 3.0 Select Selectable: 0%, 10%, 20%, 30%, 40%, 50% options. |
| Restoration Benefit |
|---|
Advantage Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses |
VS VS |
Reassure 3.0 Select ReAssure Forever: Base SI restored after first claim, unlimited times. |
| Cashless Healthcare Providers |
|---|
Advantage 21700+ Healthcare Providers |
VS VS |
Reassure 3.0 Select Niva Bupa network hospitals subject to authorisation |
| Cumulative Bonus |
|---|
Advantage For every year you don’t make a claim, your sum insured increases by 10%. You can pay an additional premium to increase Sum Insured up to 100%, every year, without any upper limit |
VS VS |
Reassure 3.0 Select Booster+ add on: Accumulates up to 10X base SI carried forward annually |
| Daycare Treatment |
|---|
Advantage Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
VS VS |
Reassure 3.0 Select Covered for ≥2 hours hospitalisations per policy terms. |
| Consumable Cover |
|---|
Advantage No. However, available as an add-on |
VS VS |
Reassure 3.0 Select Claim Safeguard+ available as optional benefit |
| AYUSH Treatment |
|---|
Advantage Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Reassure 3.0 Select Covered for ≥24 hours AYUSH hospitalisation up to SI. |
| Initial Waiting Period |
|---|
Advantage 30 days |
VS VS |
Reassure 3.0 Select 30 days (except accidents). |
| Specific Waiting Period |
|---|
Advantage 2 years |
VS VS |
Reassure 3.0 Select 24 months standard; Specific Disease modification to 12 or 16 months. |
| PED Waiting Period |
|---|
Advantage 3 years |
VS VS |
Reassure 3.0 Select 36 months standard; modifiable to 12 or 24 months. |
| Modern Treatment |
|---|
Advantage Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS VS |
Reassure 3.0 Select Modern treatments covered up to ₹1L per complete claim amount. |
| Annual Health Checkup |
|---|
Advantage Health checkup is not included as part of base cover. However, you can opt for the Annual Health Checkup Add-on to avail health checkup once per Policy Year |
VS VS |
Reassure 3.0 Select Available from Day 1 on cashless basis per defined packages. |
| Pre-Hospitalisation |
|---|
Advantage You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved |
VS VS |
Reassure 3.0 Select Up to 60 days before hospitalisation when related to approved claim. |
| Post-Hospitalisation |
|---|
Advantage You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it |
VS VS |
Reassure 3.0 Select Covered for 180 days after discharge for eligible expenses. |
| Outpatient Department Cover (OPD Expense) |
|---|
Advantage OPD expense is not included as part of base cover. However, you can opt for an add-on to avail this coverage |
VS VS |
Reassure 3.0 Select Not in base; Wellconsult+ add on provides OPD and wellness benefits. |
| Deductible Option |
|---|
Advantage Available as an option |
VS VS |
Reassure 3.0 Select Annual Aggregate Deductible: ₹10K to ₹5L range. |
| Coverage Options |
|---|
Advantage Available coverage options: ₹25L, ₹50L,₹1Cr, ₹2Cr, ₹3 Cr, ₹6 Cr |
VS VS |
Reassure 3.0 Select Unlimited Sum Insured option available. |
| Claim Settlement Ratio |
|---|
Advantage 96% |
VS VS |
Reassure 3.0 Select 80% |
| Maternity Cover |
|---|
Advantage Not available |
VS VS |
Reassure 3.0 Select Not in standard, Select variant base benefits. |
Insurance Plans Comparison
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Insurance Plans Comparison
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Insurance Plans Comparison
Frequently Asked Questions (FAQs)
Having questions? We've got answers. Explore our FAQs to find the information you need.
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