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Insurance Plans Comparison

Niva Bupa Reassure 3.0 Elite vs Care Supreme Enhance Two

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

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Niva Bupa

Reassure 3.0 Elite

Health insurance with enhanced modern treatment coverage, broader room eligibility and flexible cost-sharing options.

What Makes It Special:

ReAssure 3.0 Elite offers hospitalisation coverage with unlimited modern treatment coverage and eligibility for all room categories except Deluxe and Suite. The plan includes pre- and post-hospitalisation benefits, AYUSH treatment and ambulance coverage, subject to policy conditions. It also offers configurable co-payment and annual aggregate deductible options. Optional enhancements include...

Best For:

  • Buyers who value additional wellness benefits and claim-free-year rewards, subject to eligibility.

  • Individuals interested in optional OPD and specified non-payable expense coverage.

  • Buyers who prefer flexible co-payment and deductible options.

  • Individuals seeking coverage for modern treatments, subject to policy conditions.

  • Buyers who want broader room eligibility than a general-room or twin-sharing restriction.

VS
Care

What Makes It Special:

Care Supreme Enhance 2 is an advanced health insurance plan crafted for superior medical protection. It offers higher sum insured options, covers hospitalization, daycare, pre- and post-hospitalization, and provides cashless treatment. With added wellness benefits and optional riders, it ensures families get holistic, flexible, and affordable healthcare coverage

Best For:

  • Wellness perks and rewards with your policy

  • Daycare and full hospitalization benefits

  • Nationwide cashless hospitalization

  • Higher medical coverage with value-for-money premiums

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

Niva Bupa Reassure 3.0 Elite

  • Optional benefits: Review the costs, limits and conditions of OPD coverage, non-payable expense protection and other add-ons.

  • Coverage limits: Confirm the sum insured, treatment-specific limits, ambulance benefits and restoration conditions.

  • Out-of-pocket costs: Compare co-payment percentages and deductible options before selecting the policy.

  • Waiting periods: Review initial, pre-existing disease and specific-disease waiting periods, including any available modifications.

  • Room eligibility: Check the exclusion of Deluxe and Suite rooms and understand the consequences of choosing a room outside the permitted category.

Care Supreme Enhance Two

  • You want customizable add-ons for stronger family security

  • You want health rewards and wellness benefits included

  • You want all-round protection including daycare and post-hospitalization

  • You want cashless access to top hospitals across India.

  • You want superior coverage with higher sum insured

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Reassure 3.0 Elite
Reassure 3.0 Elite

Health Insurance Plan

Brochure

Policy Wording

VS
Supreme Enhance Two
Supreme Enhance Two

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Reassure 3.0 Elite

Covers all rooms except Deluxe/Suite at no co-payment; 20% co-payment for Deluxe/Suite.

VS

Supreme Enhance Two

  1. Normal: Single private room
  2. ICU: No Limit
ICU Charges

Reassure 3.0 Elite

Covered as part of hospitalisation expenses up to SI.

VS

Supreme Enhance Two

No restriction on ICU room rent

Advanced Treatments

Reassure 3.0 Elite

Information Unavailable

VS

Supreme Enhance Two

  1. Robotic Surgery
  2. Proton Beam Therapy
  3. Cyber Knife Treatment
  4. Stem Cell Therapy 
  5. Targeted and Immunotherapy 
  6. Artificial Organs & Implants
Co-payment

Reassure 3.0 Elite

Optional: 0%, 20%, 30%, 40%, 50% available.

VS

Supreme Enhance Two

Only applicable for people above the age of 61.

Disease-wise sublimits

Reassure 3.0 Elite

No disease-wise sub-limits; no ₹1L cap on modern treatments.

VS

Supreme Enhance Two

No

Cashless Healthcare Providers

Reassure 3.0 Elite

Niva Bupa network hospitals subject to authorisation.

VS

Supreme Enhance Two

24800+ network hospitals across India.

Restoration Benefit

Reassure 3.0 Elite

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

VS

Supreme Enhance Two

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

Cumulative Bonus

Reassure 3.0 Elite

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

VS

Supreme Enhance Two

Your sum insured increases by 10% every year, maximum up to 100%

Daycare Treatment

Reassure 3.0 Elite

Covered for ≥2 hours hospitalisations per policy terms

VS

Supreme Enhance Two

Covered under the policy

Consumable Cover

Reassure 3.0 Elite

Claim Safeguard+ available as optional (add-on) benefit for non-payable items.

VS

Supreme Enhance Two

Yes

AYUSH Treatment

Reassure 3.0 Elite

Covered for ≥24 hours AYUSH hospitalisation up to SI.

VS

Supreme Enhance Two

AYUSH treatment covered under this policy

Initial Waiting Period

Reassure 3.0 Elite

30 days (except accidents).

VS

Supreme Enhance Two

30 days

Specific Waiting Period

Reassure 3.0 Elite

24 months standard with modifiable options.

VS

Supreme Enhance Two

2 years

PED Waiting Period

Reassure 3.0 Elite

36 months standard with reduction option available.

VS

Supreme Enhance Two

3 years

Modern Treatment

Reassure 3.0 Elite

Modern treatments covered up to sum insured (no capping like Classic/Select).

VS

Supreme Enhance Two

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Annual Health Checkup

Reassure 3.0 Elite

Available from Day 1 on cashless basis; Elite has broader defined package.

VS

Supreme Enhance Two

Health check-up is available once every policy year, from day 1 of the policy

Pre-Hospitalisation

Reassure 3.0 Elite

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

VS

Supreme Enhance Two

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

Post-Hospitalisation

Reassure 3.0 Elite

Covered for 180 days after discharge for eligible expenses.

VS

Supreme Enhance Two

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)

Reassure 3.0 Elite

Not in base; Wellconsult+ available with wellness benefits.

VS

Supreme Enhance Two

OPD expense is not included

Deductible Option

Reassure 3.0 Elite

Annual Aggregate Deductible available as optional feature

VS

Supreme Enhance Two

Available

Coverage Options

Reassure 3.0 Elite

₹5L, ₹10L, Unlimited SI.

VS

Supreme Enhance Two

Available coverage options: 20L to 1cr

Claim Settlement Ratio

Reassure 3.0 Elite

Not stated for ReAssure 3.0 Elite variant.

VS

Supreme Enhance Two

96%

Maternity Cover

Reassure 3.0 Elite

Not in standard Elite base benefit.

VS

Supreme Enhance Two

Not available

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

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

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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

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  • One policy covers the entire family

  • High sum insured with cashless care

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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.

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