Insurance Plans Comparison
Care Heart vs Niva Bupa Reassure
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreHeart
Specialised Cardiac Health Insurance with 2-Year Cardiac PED Waiting Period
What Makes It Special:
Care Heart Health Insurance is a specialized policy designed for people with existing heart conditions or cardiac risks. It provides comprehensive coverage for hospitalization, surgeries, and treatments related to heart ailments, including pre and post-hospitalization expenses. The plan also covers annual health check-ups, ambulance charges, and optional add-ons for enhanced...
Best For:
Focused Protection for Cardiac Patients
Covers Pre and Post Hospitalization
Annual Health Check-Up Included
Lifelong Policy Renewability Option
VS
Reassure
Niva Bupa ReAssure Plan No room rent cap, cover that refills from your first paid claim, and Loyalty Additions that can double your Base Sum Insured.
What Makes It Special:
Niva Bupa's ReAssure health insurance plan offers unlimited in-year reinstatement from the first paid claim, Loyalty Additions up to 100% of Base Sum Insured and no room rent capping.
Best For:
Customers who value preventive health benefits: Annual health check-ups are available from day one, alongside the Live Healthy renewal discount programme.
Long-term policyholders: Loyalty Additions can increase Base Sum Insured by up to 100%.
People who prefer room flexibility: The plan has no room rent capping, subject to the policy terms.
Buyers seeking flexible cover amounts: Sum Insured options range from ₹3 lakh to ₹1 crore.
Families looking for recurring cover: The ReAssure benefit reinstates cover from the first paid claim and can be used for subsequent claims throughout the policy year.
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 have a past history of heart disease
You need coverage for cardiac-related hospitalization expenses
You want insurance despite pre-existing heart conditions
You seek affordable premiums for heart-focused care
You prefer lifelong renewability with cardiac protection
Road ambulance expenses are limited to ₹2,000 per hospitalisation.
Maternity expenses and OPD treatment are excluded.
Most robotic surgeries have a ₹1 lakh limit unless Modern Treatment+ is selected.
Listed conditions and procedures have a 24-month specific waiting period.
The pre-existing disease waiting period is 36 months.
Annual health check-ups are available from day one, with a potential renewal discount through Live Healthy.
Sum Insured options range from ₹3 lakh to ₹1 crore.
Loyalty Additions add 50% of Base SI each year, up to 100%.
Unlimited in-year reinstatement starts from the first paid claim.
No room rent capping, with ICU expenses covered up to Sum Insured.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Heart Health Insurance Plan VS VS |
Reassure Health Insurance Plan |
| Room Rent |
|---|
Heart Up to ₹3 L sum insured – 1% of Sum Insured per day Above ₹3 L sum insured – Single Private Room |
VS VS |
Reassure No room rent capping. Eligible inpatient room categories are covered subject to policy terms. |
| ICU Charges |
|---|
Heart Up to ₹3 L sum insured – 2% of Sum Insured per day Above ₹3 L sum insured – No Limit |
VS VS |
Reassure Covered up to Sum Insured under inpatient care, with no separate ICU cap. |
| Co-payment |
|---|
Heart In-built co-payment: 20% if entry age ≤ 70 years, 30% if entry age > 70 years. |
VS VS |
Reassure No co-payment under the base plan. The optional Tiered Network add-on offers a 15% premium discount and applies a 20% co-payment when treatment is taken at a non-tiered network hospital. |
| Disease-wise sublimits |
|---|
Heart Yes |
VS VS |
Reassure No general disease-wise sublimits. Most robotic surgeries have a ₹1 lakh limit, with listed exceptions. Road ambulance is limited to ₹2,000 per hospitalisation, and air ambulance reimbursement is capped at ₹2.5 lakh. |
| Cashless Healthcare Providers |
|---|
Heart 21700+ Healthcare Providers |
VS VS |
Reassure Cashless treatment is available at Niva Bupa network providers, subject to network participation and pre-authorisation. Niva Bupa has reported a company-wide network of 10,000+ hospitals. |
| Restoration Benefit |
|---|
Heart Provides 1 restoration of the base cover upon exhaustion, applicable for unrelated illnesses only |
VS VS |
Reassure The ReAssure benefit provides unlimited reinstatement within the policy year, triggered from the first paid claim. It is available for subsequent claims for any illness and any insured member. Each claim under the benefit is limited to Base Sum Insured |
| Daycare Treatment |
|---|
Heart Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
VS VS |
Reassure Eligible day-care treatment is covered up to Sum Insured. The policy wording specifies admission exceeding 2 hours and includes procedures such as angiography, dialysis, radiotherapy and chemotherapy for cancer. |
| Cumulative Bonus |
|---|
Heart Your sum insured increases by 10% each policy year as a No-Claim Bonus, up to 50% of the sum insured. The bonus reduces by 10% for every claim paid |
VS VS |
Reassure Loyalty Additions add 50% of the previous year's Base Sum Insured at each policy anniversary, up to 100% of Base SI |
| AYUSH Treatment |
|---|
Heart Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Reassure Eligible inpatient treatment under Ayurveda, Unani, Siddha and Homeopathy at an AYUSH hospital is covered up to Sum Insured. Yoga is not covered. |
| Consumable Cover |
|---|
Heart No. However available as an add-on. |
VS VS |
Reassure Not covered in the base plan. Optional Safeguard covers List I non-payable items, while Safeguard+ covers Lists I to IV. |
| Initial Waiting Period |
|---|
Heart 30 days |
VS VS |
Reassure 30 days for illnesses. Accidents are covered from day one. |
| Specific Waiting Period |
|---|
Heart 2 years |
VS VS |
Reassure 24 months for listed conditions and procedures, subject to policy terms. This waiting period does not apply to accidents. Cancer is covered after the applicable 30-day initial waiting period. |
| PED Waiting Period |
|---|
Heart 2 years |
VS VS |
Reassure 36 months of continuous coverage for declared pre-existing diseases, subject to policy terms. |
| Modern Treatment |
|---|
Heart Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS VS |
Reassure Covered up to Sum Insured. Most robotic surgeries have a ₹1 lakh limit, except robotic radical prostatectomy, cardiac, partial nephrectomy and cancer surgeries. The optional Modern Treatment+ add-on removes the ₹1 lakh limit. |
| Annual Health Checkup |
|---|
Heart Health check-up is available from the first policy year |
VS VS |
Reassure Available from day one, once per policy year. Benefit value is ₹500 per ₹1 lakh of Sum Insured, up to ₹5,000 per insured individual or ₹10,000 per Family Floater policy. Cashless only. |
| Pre-Hospitalisation |
|---|
Heart You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved |
VS VS |
Reassure Covered for up to 60 days, up to Sum Insured, on a reimbursement basis. |
| Post-Hospitalisation |
|---|
Heart You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it. |
VS VS |
Reassure Covered for up to 180 days, up to Sum Insured, on a reimbursement basis. |
| Outpatient Department Cover (OPD Expense) |
|---|
Heart OPD expense is not included |
VS VS |
Reassure OPD treatment is not covered under the base plan. |
| Deductible Option |
|---|
Heart Not available |
VS VS |
Reassure No deductible option is listed in the base product benefit table. |
| Coverage Options |
|---|
Heart Available coverage options: ₹3L, ₹5L, ₹7L and ₹10L |
VS VS |
Reassure Base Sum Insured options are ₹3 lakh, ₹4 lakh, ₹5 lakh, ₹7.5 lakh, ₹10 lakh, ₹12.5 lakh, ₹15 lakh, ₹20 lakh, ₹25 lakh, ₹50 lakh, ₹75 lakh and ₹1 crore. Available on Individual or Family Floater basis, covering up to 2 adults and 4 children. |
| Claim Settlement Ratio |
|---|
Heart 96% |
VS VS |
Reassure 96.8% of claims settled by number in FY 2025-26 for the ReAssure product line, which includes ReAssure, ReAssure 2.0 and ReAssure 3.0 UINs in the insurer's disclosure. Company-level figure reported in the annual report: 94.4%. |
| Maternity Cover |
|---|
Heart Not available |
VS VS |
Reassure Maternity expenses are excluded under the base plan. |
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?
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
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
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
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.
Explore Our Most Popular Plans
Compare With Other Health Insurance Plans
Heart vs Optima Secure
Heart vs Super Mediclaim
Heart vs Health Recharge
Heart vs Cancer Cover Activ Cancer Secure Plan
Heart vs Optima Secure Plus
Heart vs Women Care
Heart vs Aspire Diamond+
Heart vs Activate Booster Plan A
Heart vs Active Care Premier
Heart vs ProHealth Accumulate
Heart vs Health Super Saver Standard
Heart vs Supreme Shine
Heart vs Optima Secure Global Plus
Heart vs Health Cardiac Care Silver & Gold Plan
Heart vs myHealth Suraksha Gold
Heart vs LifeTime Health Global
Heart vs Active Fit Plus
Heart vs OneHealth Premium
Heart vs Activ Health Platinum Essential
Heart vs Medicare Plus
Heart vs Medicare Senior
Heart vs Enhance Super Top-up Two
Heart vs Medicare Protect
Heart vs Activ One SAVR
Heart vs Active Assure Diamond
Heart vs Activ One VIP
Heart vs Health Pulse Classic
Heart vs Advantage
Heart vs Special Care Gold
Heart vs Activ One Max
Heart vs Classic
Heart vs Activ One Vytl
Heart vs Supreme
Heart vs Freedom
Heart vs Sarvah Pratham
Heart vs Joy Today
Heart vs Medi Classic
Heart vs Activate Booster Plan B
Heart vs Aspire Gold+
Heart vs Aspire Platinum+
Heart vs Plus Complete
Heart vs Reassure 2.0 Platinum+
Heart vs Elder Care
Heart vs Reassure 3.0 Elite
Heart vs EquiCover
Heart vs Young Star Gold
Heart vs Enhance Super Top-up One
Heart vs Joy Tomorrow
Heart vs Activ One VIP+
Heart vs Reassure 3.0 Select
Heart vs Red Carpet Senior Citizens
Heart vs Medicare Premier
Heart vs Family Health Optima
Heart vs Health Companion Variant 2022
Heart vs Health Companion Variant 3
Heart vs Plus Youth
Heart vs Assure
Heart vs Health Premia Gold
Heart vs Health Premia Platinum
Heart vs Cancer Care Platinum
Heart vs Optima Lite
Heart vs ProHealth Prime Protect
Heart vs Comprehensive
Heart vs HeartBeat Enhanced
Heart vs Reassure
Heart vs Supreme Senior Premium
Heart vs Health Recharge Super Top Up Plan
Heart vs Reassure 3.0
Heart vs myHealth Suraksha Platinum
Heart vs Supreme Value for Money
Heart vs Supreme Senior Super
Heart vs Supreme Enhance
Heart vs Reassure 2.0 Gold
Heart vs Medicare
Heart vs Ultimate (Direct)
Heart vs Young Star
Heart vs Sarvah Param
Heart vs Optima Insurance
Heart vs Smart Super Health Assure
Heart vs Reassure 3.0 Black
Heart vs Health Guard Platinum
Heart vs Health Guard Gold
Heart vs Elevate (Direct)
Heart vs Extra Care Plus Super Top-up
Heart vs Health Care Supreme Smart
Heart vs Smart Health Pro
Heart vs Medi Classic Gold
Heart vs Optima Super Secure
Heart vs Special Care
Heart vs Medicare LITE
Heart vs Health Shield 360
Heart vs SecureHealth
Heart vs Supreme (Direct)
Heart vs Plus
Heart vs Mediclaim Insurance Policy
Heart vs Medicare Select
Heart vs Health Gain
Heart vs myHealth Koti Suraksha
Heart vs Senior
Heart vs myHealth Suraksha Silver
Heart vs Cardiac Care Platinum
Heart vs Royal Sundaram Lifeline Elite
Heart vs Super Surplus Gold
Heart vs Supreme Enhance One
Heart vs Supreme Enhance Two
Heart vs HeartBeat Platinum
Heart vs HeartBeat Gold
Heart vs Health SuperCharge
Heart vs Aspire Titanium+
Heart vs iHealth Plus
Heart vs ProHealth Prime Advantage
Heart vs Active Fit Preferred
Heart vs Reassure 3.0 Classic
Heart vs Senior Health Advantage
Heart vs Health Wallet
Heart vs Elevate
Heart vs LifeTime Health
Heart vs Reassure 2.0 Titanium+
Heart vs ProHealth Prime Active
Heart vs ProHealth Prime Senior Elite
Heart vs Advanced Top Up
Heart vs Multiplier Health
Heart vs Diabetes Safe Plan A
Heart vs Reassure 2.0 Bronze+
Heart vs Enhance Super Top-up
Heart vs Young Star Silver
Heart vs Star Women Care Policy
Heart vs Joy
Heart vs Supreme Senior Health AdvantEdge
Heart vs Family Plus
Heart vs Criti Shield Plus
Heart vs Health Care Supreme Ultimo
Heart vs Health Shield 360 Retail
Heart vs Super Star
Heart vs Supreme Super Saver
Heart vs Senior First Platinum
Heart vs Optima Secure Global
Heart vs NextGen
Heart vs Health Insurance Platinum
Heart vs Energy Silver With Copay
Reassure vs Optima Secure
Reassure vs Super Mediclaim
Reassure vs Health Recharge
Reassure vs Cancer Cover Activ Cancer Secure Plan
Reassure vs Optima Secure Plus
Reassure vs Women Care
Reassure vs Aspire Diamond+
Reassure vs Activate Booster Plan A
Reassure vs Active Care Premier
Reassure vs ProHealth Accumulate
Reassure vs Health Super Saver Standard
Reassure vs Supreme Shine
Reassure vs Optima Secure Global Plus
Reassure vs Health Cardiac Care Silver & Gold Plan
Reassure vs myHealth Suraksha Gold
Reassure vs LifeTime Health Global
Reassure vs Active Fit Plus
Reassure vs OneHealth Premium
Reassure vs Activ Health Platinum Essential
Reassure vs Medicare Plus
Reassure vs Medicare Senior
Reassure vs Enhance Super Top-up Two
Reassure vs Medicare Protect
Reassure vs Activ One SAVR
Reassure vs Active Assure Diamond
Reassure vs Activ One VIP
Reassure vs Health Pulse Classic
Reassure vs Advantage
Reassure vs Special Care Gold
Reassure vs Activ One Max
Reassure vs Classic
Reassure vs Activ One Vytl
Reassure vs Supreme
Reassure vs Freedom
Reassure vs Sarvah Pratham
Reassure vs Joy Today
Reassure vs Medi Classic
Reassure vs Activate Booster Plan B
Reassure vs Aspire Gold+
Reassure vs Aspire Platinum+
Reassure vs Plus Complete
Reassure vs Reassure 2.0 Platinum+
Reassure vs Elder Care
Reassure vs Reassure 3.0 Elite
Reassure vs EquiCover
Reassure vs Young Star Gold
Reassure vs Enhance Super Top-up One
Reassure vs Joy Tomorrow
Reassure vs Activ One VIP+
Reassure vs Reassure 3.0 Select
Reassure vs Red Carpet Senior Citizens
Reassure vs Medicare Premier
Reassure vs Family Health Optima
Reassure vs Health Companion Variant 2022
Reassure vs Health Companion Variant 3
Reassure vs Plus Youth
Reassure vs Assure
Reassure vs Health Premia Gold
Reassure vs Health Premia Platinum
Reassure vs Cancer Care Platinum
Reassure vs Optima Lite
Reassure vs ProHealth Prime Protect
Reassure vs Comprehensive
Reassure vs HeartBeat Enhanced
Reassure vs Supreme Senior Premium
Reassure vs Health Recharge Super Top Up Plan
Reassure vs Reassure 3.0
Reassure vs myHealth Suraksha Platinum
Reassure vs Supreme Value for Money
Reassure vs Supreme Senior Super
Reassure vs Supreme Enhance
Reassure vs Reassure 2.0 Gold
Reassure vs Medicare
Reassure vs Ultimate (Direct)
Reassure vs Young Star
Reassure vs Sarvah Param
Reassure vs Optima Insurance
Reassure vs Smart Super Health Assure
Reassure vs Reassure 3.0 Black
Reassure vs Health Guard Platinum
Reassure vs Health Guard Gold
Reassure vs Elevate (Direct)
Reassure vs Extra Care Plus Super Top-up
Reassure vs Health Care Supreme Smart
Reassure vs Smart Health Pro
Reassure vs Medi Classic Gold
Reassure vs Optima Super Secure
Reassure vs Special Care
Reassure vs Medicare LITE
Reassure vs Health Shield 360
Reassure vs SecureHealth
Reassure vs Supreme (Direct)
Reassure vs Plus
Reassure vs Mediclaim Insurance Policy
Reassure vs Medicare Select
Reassure vs Health Gain
Reassure vs myHealth Koti Suraksha
Reassure vs Senior
Reassure vs myHealth Suraksha Silver
Reassure vs Cardiac Care Platinum
Reassure vs Royal Sundaram Lifeline Elite
Reassure vs Super Surplus Gold
Reassure vs Supreme Enhance One
Reassure vs Supreme Enhance Two
Reassure vs HeartBeat Platinum
Reassure vs HeartBeat Gold
Reassure vs Health SuperCharge
Reassure vs Aspire Titanium+
Reassure vs iHealth Plus
Reassure vs ProHealth Prime Advantage
Reassure vs Active Fit Preferred
Reassure vs Reassure 3.0 Classic
Reassure vs Senior Health Advantage
Reassure vs Health Wallet
Reassure vs Elevate
Reassure vs Heart
Reassure vs LifeTime Health
Reassure vs Reassure 2.0 Titanium+
Reassure vs ProHealth Prime Active
Reassure vs ProHealth Prime Senior Elite
Reassure vs Advanced Top Up
Reassure vs Multiplier Health
Reassure vs Diabetes Safe Plan A
Reassure vs Reassure 2.0 Bronze+
Reassure vs Enhance Super Top-up
Reassure vs Young Star Silver
Reassure vs Star Women Care Policy
Reassure vs Joy
Reassure vs Supreme Senior Health AdvantEdge
Reassure vs Family Plus
Reassure vs Criti Shield Plus
Reassure vs Health Care Supreme Ultimo
Reassure vs Health Shield 360 Retail
Reassure vs Super Star
Reassure vs Supreme Super Saver
Reassure vs Senior First Platinum
Reassure vs Optima Secure Global
Reassure vs NextGen
Reassure vs Health Insurance Platinum
Reassure vs Energy Silver With Copay
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.






.png)

