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Insurance Plans Comparison

Niva Bupa Reassure 3.0 Select vs Care Supreme Enhance

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 Select

Niva Bupa ReAssure 3.0 Select Health Insurance Plan with Twin-Sharing Room Cover and Optional Benefits

What Makes It Special:

ReAssure 3.0 Select is a health insurance variant designed for customers seeking hospitalisation cover with a twin-sharing room entitlement and access to optional benefits. It covers eligible hospitalisation expenses, including pre- and post-hospitalisation costs, home care and organ donor expenses, subject to policy conditions. Customers can also explore options such...

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

Supreme Enhance

High-deductible super top-up health insurance with flexible coverage options, cumulative bonus and unlimited automatic recharge.

What Makes It Special:

Care Supreme Enhance is a super top-up health insurance plan designed to provide additional financial protection against high medical expenses after the selected aggregate deductible is met. It offers flexible sum insured options, coverage for eligible hospitalisation and daycare treatments, a cumulative bonus of up to 100%, and unlimited automatic...

Best For:

  • Buyers seeking higher coverage with a cumulative bonus that can increase the sum insured over time.

  • Policyholders looking for unlimited automatic recharge for eligible hospitalisation claims.

  • Customers comfortable bearing a chosen aggregate deductible before the super top-up benefit applies.

  • Families looking to supplement their current health insurance with a higher overall coverage limit.

  • Individuals seeking additional medical expense protection beyond an existing health insurance policy.

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

  • 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.

  • Understand how the aggregate deductible applies across eligible claims during the policy year before purchasing the plan.

  • Check room eligibility, exclusions and whether optional benefits are worth the additional premium.

  • Review the 30-day initial waiting period, 24-month specified illness waiting period and 36-month PED waiting period.

  • Compare the available sum insured options against potential hospitalisation costs and your existing policy limits.

  • Choose a deductible that aligns with your existing health cover and your ability to pay out-of-pocket expenses.Choose a deductible that aligns with your existing health cover and your ability to pay out-of-pocket expenses.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Reassure 3.0 Select
Reassure 3.0 Select

Health Insurance Plan

VS
Supreme Enhance
Supreme Enhance

Health Insurance Plan

Room Rent

Reassure 3.0 Select

Select covers up to Twin Sharing Room; higher rooms attract co-payment.

VS

Supreme Enhance

Eligible room rent is covered up to the most economical single private room category, subject to policy terms.

ICU Charges

Reassure 3.0 Select

Covered under hospitalisation expenses up to applicable SI.

VS

Supreme Enhance

No separate ICU expense limit; eligible charges are covered up to the sum insured after the applicable deductible.

Co-payment

Reassure 3.0 Select

Selectable: 0%, 10%, 20%, 30%, 40%, 50% options.

VS

Supreme Enhance

No standard co-payment percentage is established for this variant in the supplied plan terms. The selected policy schedule governs applicable cost-sharing conditions.

Disease-wise sublimits

Reassure 3.0 Select

₹1L limit per claim for specified modern treatments

VS

Supreme Enhance

No separate sublimits apply to eligible modern or conventional treatments under the stated plan benefits, subject to policy terms and exclusions.

Cashless Healthcare Providers

Reassure 3.0 Select

Niva Bupa network hospitals subject to authorisation

VS

Supreme Enhance

The insurer lists 22,100+ cashless healthcare providers on its product website. Network availability may change.

Restoration Benefit

Reassure 3.0 Select

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

VS

Supreme Enhance

Unlimited automatic recharge of the sum insured during a policy year for eligible related or unrelated illnesses, subject to policy terms.

Cumulative Bonus

Reassure 3.0 Select

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

VS

Supreme Enhance

Increases the sum insured by 10% annually, up to 100% of the base sum insured. The accrued bonus is not reduced due to claims.

Daycare Treatment

Reassure 3.0 Select

Covered for ≥2 hours hospitalisations per policy terms.

VS

Supreme Enhance

Eligible daycare procedures requiring less than 24 hours of hospitalisation are covered up to the sum insured, subject to policy terms.

Consumable Cover

Reassure 3.0 Select

Claim Safeguard+ available as optional benefit

VS

Supreme Enhance

No separate standard consumables benefit. Non-medical expenses remain subject to applicable policy terms and exclusions.

AYUSH Treatment

Reassure 3.0 Select

Covered for ≥24 hours AYUSH hospitalisation up to SI.

VS

Supreme Enhance

Eligible inpatient AYUSH treatment is covered up to the sum insured, subject to applicable conditions.

Initial Waiting Period

Reassure 3.0 Select

30 days (except accidents).

VS

Supreme Enhance

30 days for illnesses; accidental claims are exempt from the initial waiting period.

Specific Waiting Period

Reassure 3.0 Select

24 months standard; Specific Disease modification to 12 or 16 months.

VS

Supreme Enhance

24 months for specified illnesses and procedures, subject to the applicable policy terms.

PED Waiting Period

Reassure 3.0 Select

36 months standard; modifiable to 12 or 24 months.

VS

Supreme Enhance

36 months for pre-existing diseases, subject to applicable policy terms.

Modern Treatment

Reassure 3.0 Select

Modern treatments covered up to ₹1L per complete claim amount.

VS

Supreme Enhance

Eligible advanced technology treatments are covered up to the sum insured, subject to policy terms.

Annual Health Checkup

Reassure 3.0 Select

Available from Day 1 on cashless basis per defined packages.

VS

Supreme Enhance

No separate standard annual health check-up benefit is established,

Pre-Hospitalisation

Reassure 3.0 Select

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

VS

Supreme Enhance

Eligible medical expenses are covered for up to 60 days before hospitalisation, subject to policy terms.

Post-Hospitalisation

Reassure 3.0 Select

Covered for 180 days after discharge for eligible expenses.

VS

Supreme Enhance

Eligible medical expenses are covered for up to 90 days after hospitalisation, subject to policy terms.

Outpatient Department Cover (OPD Expense)

Reassure 3.0 Select

Not in base; Wellconsult+ add on provides OPD and wellness benefits.

VS

Supreme Enhance

Routine OPD expenses are not a standard hospitalisation benefit. E-consultations and healthcare service discounts may be available separately.

Deductible Option

Reassure 3.0 Select

Annual Aggregate Deductible: ₹10K to ₹5L range.

VS

Supreme Enhance

Offers an aggregate deductible selected with the sum insured. Eligible expenses above the deductible are covered, subject to policy terms.

Coverage Options

Reassure 3.0 Select

Unlimited Sum Insured option available.

VS

Supreme Enhance

Individual and family floater options are available for eligible family members.

Claim Settlement Ratio

Reassure 3.0 Select

80%

VS

Supreme Enhance

Care Health Insurance reported a 96.74% insurer-level claim settlement ratio for FY 2024–25. This is an insurer-level metric, not a product-specific ratio.

Maternity Cover

Reassure 3.0 Select

Not in standard, Select variant base benefits.

VS

Supreme Enhance

Maternity and childbirth expenses are not covered as a standard benefit. Healthcare service discounts, where available, are not insurance coverage.

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?

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Talk to experienced advisors at no cost, and make confident decisions

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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

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

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

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

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