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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...

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Niva Bupa

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.

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

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Detailed Features Comparison

Compare the key features of different health insurance plans

Reassure
Reassure

Health Insurance Plan

VS
Supreme Enhance Two
Supreme Enhance Two

Health Insurance Plan

Room Rent

Reassure

No room rent capping. Eligible inpatient room categories are covered subject to policy terms.

VS

Supreme Enhance Two

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

Reassure

Covered up to Sum Insured under inpatient care, with no separate ICU cap.

VS

Supreme Enhance Two

No restriction on ICU room rent

Advanced Treatments

Reassure

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

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

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

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

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

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

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

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

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

Supreme Enhance Two

AYUSH treatment covered under this policy

Initial Waiting Period

Reassure

30 days for illnesses. Accidents are covered from day one.

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

Supreme Enhance Two

2 years

PED Waiting Period

Reassure

36 months of continuous coverage for declared pre-existing diseases, subject to policy terms.

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

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

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

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

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

Supreme Enhance Two

OPD expense is not included

Deductible Option

Reassure

No deductible option is listed in the base product benefit table.

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

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

Supreme Enhance Two

96%

Maternity Cover

Reassure

Maternity expenses are excluded under the base plan.

VS

Supreme Enhance Two

Not available

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Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

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  • Tailored for seniors healthcare needs

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Family Health Plan

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

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

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