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Insurance Plans Comparison

HDFC ERGO EquiCover vs Niva Bupa Reassure 3.0 Select

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

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HDFC ERGO

EquiCover

EquiCover

What Makes It Special:

EquiCover is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.

Best For:

  • Not available
VS
Niva Bupa

Reassure 3.0 Select

ReAssure 3.0 Select

What Makes It Special:

Reassure 3.0 focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.

Best For:

  • Not available

Insurance Plans Comparison

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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

HDFC ERGO EquiCover

Not available

Niva Bupa Reassure 3.0 Select

Not available

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

EquiCover
EquiCover

Health Insurance Plan

Brochure

Policy Wording

VS
Reassure 3.0 Select
Reassure 3.0 Select

Health Insurance Plan

Brochure

Policy Wording

Room Rent

EquiCover

Normal: Up to 1% of Sum Insured per day

ICU: Up to 2% of Sum Insured per day

VS

Reassure 3.0 Select

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

Advanced Treatments

EquiCover

Uterine Artery Embolization (UAE)

HIFU (High Intensity Focused Ultrasound)

Balloon Sinuplasty

Deep Brain Stimulation

Oral Chemotherapy

Immunotherapy (Monoclonal Antibody Injection)

Intra Vitreal Injections

Robotic Surgeries

Stereotactic Radio Surgeries

Bronchial Thermoplasty

Vaporisation of Prostate

IONM (Intra Operative Neuro Monitoring)

Hematopoietic Stem Cell Therapy for Bone Marrow Transplant

VS

Reassure 3.0 Select

Information Unavailable

ICU Charges

EquiCover

Information Unavailable

VS

Reassure 3.0 Select

Covered under hospitalisation expenses up to applicable SI.

Co-payment

EquiCover

20% Co-payment on every admissible claim

VS

Reassure 3.0 Select

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

Disease-wise sublimits

EquiCover

Information Unavailable

VS

Reassure 3.0 Select

₹1L limit per claim for specified modern treatments

Waiting Period

EquiCover

Initial Waiting Period: 30 Days

Pre-existing Disease Waiting Period:

  1. 24 Months for pre-existing disability
  2. 36 Months for other pre-existing conditions

Specific Disease/Procedure Waiting Period: 24 Months

VS

Reassure 3.0 Select

Information Unavailable

Cashless Healthcare Providers

EquiCover

Cashless treatment available through network providers

VS

Reassure 3.0 Select

Niva Bupa network hospitals subject to authorisation

Restoration Benefit

EquiCover

Information Unavailable

VS

Reassure 3.0 Select

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

Daycare Treatment

EquiCover

Covered

VS

Reassure 3.0 Select

Covered for ≥2 hours hospitalisations per policy terms.

Cumulative Bonus

EquiCover

Information Unavailable

VS

Reassure 3.0 Select

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

AYUSH Treatment

EquiCover

Covered up to 100% of Sum Insured

VS

Reassure 3.0 Select

Covered for ≥24 hours AYUSH hospitalisation up to SI.

Consumable Cover

EquiCover

Information Unavailable

VS

Reassure 3.0 Select

Claim Safeguard+ available as optional benefit

Initial Waiting Period

EquiCover

Information Unavailable

VS

Reassure 3.0 Select

30 days (except accidents).

Specific Waiting Period

EquiCover

Information Unavailable

VS

Reassure 3.0 Select

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

PED Waiting Period

EquiCover

Information Unavailable

VS

Reassure 3.0 Select

36 months standard; modifiable to 12 or 24 months.

Modern Treatment

EquiCover

Information Unavailable

VS

Reassure 3.0 Select

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

Annual Health Checkup

EquiCover

Information Unavailable

VS

Reassure 3.0 Select

Available from Day 1 on cashless basis per defined packages.

Pre-Hospitalisation

EquiCover

Information Unavailable

VS

Reassure 3.0 Select

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

Post-Hospitalisation

EquiCover

Information Unavailable

VS

Reassure 3.0 Select

Covered for 180 days after discharge for eligible expenses.

Outpatient Department Cover (OPD Expense)

EquiCover

Information Unavailable

VS

Reassure 3.0 Select

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

Deductible Option

EquiCover

Information Unavailable

VS

Reassure 3.0 Select

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

Coverage Options

EquiCover

Information Unavailable

VS

Reassure 3.0 Select

Unlimited Sum Insured option available.

Claim Settlement Ratio

EquiCover

Information Unavailable

VS

Reassure 3.0 Select

80%

Maternity Cover

EquiCover

Information Unavailable

VS

Reassure 3.0 Select

Not in standard, Select variant base benefits.

Insurance Plans Comparison

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Why Choose Our Expert Consultation?

End-to-End Support

End-to-End Support

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

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Zero Spam. Zero Hassle

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

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)

Having questions? We've got answers. Explore our FAQs to find the information you need.

1-5 of 10 FAQs

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