Insurance Plans Comparison
Niva Bupa Reassure vs Care Supreme Enhance Two
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreReassure
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.
VS
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
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Quick Decision Guide
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.
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 Health Insurance Plan VS VS |
Supreme Enhance Two Health Insurance Plan |
| Room Rent |
|---|
Reassure No room rent capping. Eligible inpatient room categories are covered subject to policy terms. |
VS VS |
Supreme Enhance Two
|
| ICU Charges |
|---|
Reassure Covered up to Sum Insured under inpatient care, with no separate ICU cap. |
VS VS |
Supreme Enhance Two No restriction on ICU room rent |
| Advanced Treatments |
|---|
Reassure Information Unavailable |
VS VS |
Supreme Enhance Two
|
| Co-payment |
|---|
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. |
VS VS |
Supreme Enhance Two Only applicable for people above the age of 61. |
| Disease-wise sublimits |
|---|
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. |
VS VS |
Supreme Enhance Two No |
| Cashless Healthcare Providers |
|---|
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. |
VS VS |
Supreme Enhance Two 24800+ network hospitals across India. |
| Restoration Benefit |
|---|
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 |
VS 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 Loyalty Additions add 50% of the previous year's Base Sum Insured at each policy anniversary, up to 100% of Base SI |
VS VS |
Supreme Enhance Two Your sum insured increases by 10% every year, maximum up to 100% |
| Daycare Treatment |
|---|
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. |
VS VS |
Supreme Enhance Two Covered under the policy |
| Consumable Cover |
|---|
Reassure Not covered in the base plan. Optional Safeguard covers List I non-payable items, while Safeguard+ covers Lists I to IV. |
VS VS |
Supreme Enhance Two Yes |
| AYUSH Treatment |
|---|
Reassure Eligible inpatient treatment under Ayurveda, Unani, Siddha and Homeopathy at an AYUSH hospital is covered up to Sum Insured. Yoga is not covered. |
VS VS |
Supreme Enhance Two AYUSH treatment covered under this policy |
| Initial Waiting Period |
|---|
Reassure 30 days for illnesses. Accidents are covered from day one. |
VS VS |
Supreme Enhance Two 30 days |
| Specific Waiting Period |
|---|
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. |
VS VS |
Supreme Enhance Two 2 years |
| PED Waiting Period |
|---|
Reassure 36 months of continuous coverage for declared pre-existing diseases, subject to policy terms. |
VS VS |
Supreme Enhance Two 3 years |
| Modern Treatment |
|---|
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. |
VS 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 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. |
VS VS |
Supreme Enhance Two Health check-up is available once every policy year, from day 1 of the policy |
| Pre-Hospitalisation |
|---|
Reassure Covered for up to 60 days, up to Sum Insured, on a reimbursement basis. |
VS 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 Covered for up to 180 days, up to Sum Insured, on a reimbursement basis. |
VS 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 OPD treatment is not covered under the base plan. |
VS VS |
Supreme Enhance Two OPD expense is not included |
| Deductible Option |
|---|
Reassure No deductible option is listed in the base product benefit table. |
VS VS |
Supreme Enhance Two Available |
| Coverage Options |
|---|
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. |
VS VS |
Supreme Enhance Two Available coverage options: 20L to 1cr |
| Claim Settlement Ratio |
|---|
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%. |
VS VS |
Supreme Enhance Two 96% |
| Maternity Cover |
|---|
Reassure Maternity expenses are excluded under the base plan. |
VS VS |
Supreme Enhance Two Not available |
Insurance Plans Comparison
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