How does OneAssure help me compare health insurance policies and choose the best plan?

OneAssure allows you to compare multiple health insurance policies side by side, analyzing coverage, premiums, hospital networks, and benefits to choose the most suitable plan for your needs.

What is the difference between cashless and reimbursement claims in health insurance policies?

Cashless claims let you get treatment at network hospitals without paying upfront, while reimbursement claims require you to pay first and get refunded later.

Does OneAssure provide expert guidance while selecting health insurance with maternity or newborn coverage?

Yes, OneAssure’s insurance experts guide you in selecting plans with maternity benefits, newborn cover, and short waiting periods for family planning needs.

How do co-payment clauses impact health insurance premiums and claim settlements?

Co-payment means you share a part of the claim cost. Opting for co-pay lowers your premium but increases your out-of-pocket expenses.

Which health insurance plan offers the best coverage for critical illnesses and pre-existing diseases?

Plans with comprehensive coverage, minimal waiting periods, and optional critical illness riders are ideal. OneAssure helps identify policies that best meet these requirements.

Can I compare waiting periods and sub-limits for hospitalisation expenses on OneAssure?

Yes, OneAssure’s comparison tool highlights waiting periods, sub-limits, and exclusions so you can choose a policy that maximizes benefits and minimizes restrictions.

What are room rent limits in health insurance, and how do they affect claims?

Room rent limits cap the daily room cost covered by your insurer. Choosing a plan without strict limits ensures higher claim payouts.

Does OneAssure assist with health insurance claims and renewals after I purchase a policy?

Absolutely. OneAssure provides end-to-end support for claims, renewals, and queries, ensuring a hassle-free experience throughout your policy tenure.

How can I check if a health insurance plan covers daycare procedures and modern treatments?

OneAssure’s policy comparison clearly lists daycare and advanced treatment coverage, helping you pick a plan aligned with your healthcare needs.

What documents are needed to buy and claim a health insurance policy online via OneAssure?

To buy a policy, you need ID proof, address proof, and medical details. For claims, hospital bills, prescriptions, and discharge summaries are required.

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Reassure 2.0 Gold Vs Myhealth Medisure Super Top Up

Insurance Plans Comparison

Niva Bupa Reassure 2.0 Gold vs HDFC ERGO myHealth Medisure Super Top-up

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare coverage, benefits, and premiums to find the perfect plan for your needs.

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

Reassure 2.0 Gold

Carry forward unused cover up to 10X and get your Base Sum Insured reinstated unlimited times after your first paid claim.

What Makes It Special:

ReAssure 2.0 Gold is a health insurance variant from Niva Bupa that combines Booster+ 10X carry-forward of unused cover, ReAssureX unlimited reinstatement and no room rent limit. It also offers eligible hospitalisation cover for stays of 2 hours or more, annual health check-ups from Day 1 and unlimited e-consultations with...

Best For:

Customers who want to explore optional co-payment, deductible or room-type choices to manage costs.
Buyers who value the carry-forward of unused Base Sum Insured.
People who want the flexibility to choose any room without a standard room rent cap.
Families looking for a floater policy with unlimited reinstatement of cover.
Buyers who want Booster+ 10X without the Lock the Clock feature.

myHealth Medisure Super Top-up

A super top-up that pays eligible hospitalisation costs only after your aggregate deductible is met, with no sub-limit on room rent or ICU and cover for day care procedures.

What Makes It Special:

my:health Koti Suraksha delivers a ₹1 crore sum insured at a lower premium by accepting three restrictions in the base cover — a room category capped at a Single Standard AC Room, a ₹75,000 sub-limit on eight common procedures, and a mandatory 20% co-payment for lives with a pre-existing disease...

Best For:

Buyers prepared to pay for the waiver covers so a ₹1 crore cover works without room, procedure or co-payment restrictions
Buyers who already hold a base policy and can take the aggregate deductible to reduce premium further
Buyers in Tier 2 cities where a Single Standard AC Room is likely to fall within or close to the plan's room entitlement
Families wanting a wide relationship list on one individual sum insured policy, extending to siblings, in-laws, grandparents, nieces and nephews
Buyers who want a very high sum insured for catastrophic illness and are willing to accept caps on routine, lower-cost procedures

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.

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Quick Decision Guide

Niva Bupa Reassure 2.0 Gold

Lock the Clock is not included in Gold, and the premium may change at renewal according to the applicable pricing terms.
Consumables and specified non-payable items require the optional Safeguard or Safeguard+ benefit.
Maternity expenses and routine OPD expenses are not covered under the base plan.
Listed conditions and procedures have a 24-month waiting period.
The standard pre-existing disease waiting period is 36 months, with optional reductions to 1 or 2 years at additional premium.
Annual health check-ups are available from Day 1, and unlimited e-consultations with network partners are included.
Eligible hospitalisation of 2 hours or more is covered.
Booster+ 10X carries forward unused Base Sum Insured into subsequent policy years.
ReAssureX provides unlimited reinstatements after the first paid claim, with each claim under the benefit covered up to the Base Sum Insured.
No standard room rent cap, with ICU expenses covered up to the Sum Insured.

HDFC ERGO myHealth Medisure Super Top-up

The room entitlement is a Single Standard AC Room rather than a percentage of sum insured, so check what that category means at the hospitals you would use, since exceeding it can trigger deductions.
Opting for the aggregate deductible removes both the Cumulative Bonus and the Sum Insured Rebound, so weigh the premium saved against losing those two benefits.
If anyone insured is entering above age 60 or has a declared pre-existing disease, a 20% co-payment applies, so check whether the Waiver of Co-Payment costs less than the share you would otherwise bear.
The ₹75,000 sub-limit covers eight of the most commonly claimed procedures, including cataract, hernia and hysterectomy, so if these are a realistic prospect for anyone insured, the Waiver of Disease Capping is likely to matter more than the sum insured.
Price all three waiver covers — room rent, disease capping and co-payment — before comparing this plan against a conventional ₹1 crore policy, because the headline premium reflects the restrictions, not the unrestricted cover.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Reassure 2.0 Gold

Health Insurance Plan

Brochure

Policy Wording

myHealth Medisure Super Top-up

Health Insurance Plan

Brochure

Room Rent
Reassure 2.0 Gold No room rent limit under the standard Gold variant. Optional Room Type Modification may allow a single private room or shared room at a lower premium. Choosing a room above the selected room category may lead to proportionate deductions.	myHealth Medisure Super Top-up Normal: Single A/C private room ICU: no limit, expenses incurred will be covered by the insurance

ICU Charges
Reassure 2.0 Gold Covered up to the Sum Insured, with no separate ICU cap stated. If Room Type Modification is selected, ICU expenses are covered up to the Base Sum Insured.	myHealth Medisure Super Top-up Covered within medical expenses; no separate ICU limit stated

Advanced Treatments
Reassure 2.0 Gold Information Unavailable	myHealth Medisure Super Top-up Robotic surgeries for precise, minimally invasive procedures. Bariatric surgery for obesity management (as per policy terms). Modern cancer treatments like immunotherapy and targeted therapy. Stem cell therapy (for approved conditions). Proton beam therapy for advanced cancer care. Advanced cardiac procedures including transplants and minimally invasive heart surgeries.

Advanced Treatments

Reassure 2.0 Gold

Information Unavailable

myHealth Medisure Super Top-up

Robotic surgeries for precise, minimally invasive procedures.
Bariatric surgery for obesity management (as per policy terms).
Modern cancer treatments like immunotherapy and targeted therapy.
Stem cell therapy (for approved conditions).
Proton beam therapy for advanced cancer care.
Advanced cardiac procedures including transplants and minimally invasive heart surgeries.

Co-payment
Reassure 2.0 Gold No mandatory co-payment applies under the base plan. Optional voluntary co-payment options are 20%, 30%, 40% or 50%. The optional Tiered Network benefit offers a 15% premium discount and applies a 20% co-payment when treatment is taken at a non-tiered network hospital.	myHealth Medisure Super Top-up The HDFC My: Health Medisure Super Top-Up Plan has a co-payment clause of 10% for individuals aged 61 years and above at the time of policy purchase.

Disease-wise sublimits
Reassure 2.0 Gold No general disease-wise sublimits are stated in the reviewed policy wording. Specific benefit limits apply, including air ambulance cover up to ₹2,50,000 per hospitalisation and the monofocal cataract lens restriction for Sum Insured up to ₹10 lakh.	myHealth Medisure Super Top-up Yes — a ₹75,000 sub-limit applies to each of cataract; surgery for benign tumours, cysts, nodules or polyps; stone in the urinary system; hernia-related procedures; appendectomy; hysterectomy; fissures, piles and fistulas; and cellulitis or abscess. Optional Waiver of Disease Capping deletes these sub-limits

Cashless Healthcare Providers
Reassure 2.0 Gold Cashless treatment is available at Niva Bupa network hospitals. The reviewed single-sheeter cites approximately 10,000+ network hospitals. Cashless Everywhere is also offered at non-network hospitals, subject to the insurer's process. The brochure mentions a 30-minute cashless pre-authorisation commitment.	myHealth Medisure Super Top-up 16,000+ Healthcare providers.

Restoration Benefit
Reassure 2.0 Gold ReAssureX, also referred to as ReAssure Forever, is triggered by the first paid claim in the life of the policy. It provides unlimited reinstatements, with each claim under the benefit covered up to the Base Sum Insured. It remains available for life if the policy is renewed without a break. Lock the Clock is not included in the Gold variant.	myHealth Medisure Super Top-up Optional — Sum Insured Rebound adds an amount equal to the claim paid under the basic sum insured, up to a maximum of the basic sum insured, on subsequent hospitalisation in a policy year. A single claim cannot exceed the basic sum insured plus cumulative bonus earned; for chemotherapy and dialysis it applies only once in the policy lifetime; unused amounts do not carry forward; not available if aggregate deductible is opted

Restoration Benefit

Reassure 2.0 Gold

ReAssureX, also referred to as ReAssure Forever, is triggered by the first paid claim in the life of the policy. It provides unlimited reinstatements, with each claim under the benefit covered up to the Base Sum Insured. It remains available for life if the policy is renewed without a break. Lock the Clock is not included in the Gold variant.

myHealth Medisure Super Top-up

Optional — Sum Insured Rebound adds an amount equal to the claim paid under the basic sum insured, up to a maximum of the basic sum insured, on subsequent hospitalisation in a policy year. A single claim cannot exceed the basic sum insured plus cumulative bonus earned; for chemotherapy and dialysis it applies only once in the policy lifetime; unused amounts do not carry forward; not available if aggregate deductible is opted

Cumulative Bonus
Reassure 2.0 Gold Booster+ 10X carries forward unused Base Sum Insured into the next policy year, up to 10 times the Base Sum Insured. The accumulated amount may be reduced proportionately if the Base Sum Insured is reduced.	myHealth Medisure Super Top-up 10% of basic sum insured on each continuous renewal irrespective of claims, up to a maximum of 100%; not applicable if aggregate deductible is opted. Optional Cumulative Bonus Booster increases this to 50% per renewal, maximum 100%

Daycare Treatment
Reassure 2.0 Gold Covered up to the Sum Insured. Hospitalisation of 2 hours or more qualifies, subject to policy terms. AYUSH treatment requires a minimum admission of 24 hours.	myHealth Medisure Super Top-up Covered by the policy.

Consumable Cover
Reassure 2.0 Gold Consumables and non-payable items are not covered under the base plan. Optional Safeguard covers specified List I items, while Safeguard+ covers specified items under Lists I to IV.	myHealth Medisure Super Top-up Optional — Non-Medical Expenses Cover pays non-medical expenses up to 5% of the admissible claim amount under the hospitalisation section

AYUSH Treatment
Reassure 2.0 Gold Eligible in-patient AYUSH treatment is covered up to the Sum Insured for admissions of at least 24 hours in an AYUSH hospital. Yoga and Naturopathy claims require prior approval.	myHealth Medisure Super Top-up Covered in the policy.

Initial Waiting Period
Reassure 2.0 Gold 30 days. Accidents are covered from Day 1, subject to policy terms.	myHealth Medisure Super Top-up 30 days, except claims arising from an accident

Specific Waiting Period
Reassure 2.0 Gold 24 months for listed conditions and procedures. The waiting period does not apply to accidents. Cancer is covered after the initial 30-day waiting period, subject to policy terms.	myHealth Medisure Super Top-up 24 months for specified illnesses and surgical procedures

PED Waiting Period
Reassure 2.0 Gold 36 months of continuous coverage for pre-existing diseases. Optional PED Waiting Time Modification can reduce this to 1 or 2 years at additional premium.	myHealth Medisure Super Top-up 36 months; optional Waiting Period Modification reduces it to 24 months

Modern Treatment
Reassure 2.0 Gold Covered up to the Sum Insured for 12 listed procedures, including robotic surgery, oral chemotherapy, stem cell therapy, deep brain stimulation and intravitreal injections. For Sum Insured up to ₹10 lakh, cataract cover is limited to a monofocal lens, subject to policy terms.	myHealth Medisure Super Top-up Not specified

Annual Health Checkup
Reassure 2.0 Gold Available from Day 1, once every policy year. The benefit is ₹500 per ₹1 lakh of Base Sum Insured, capped at ₹5,000 per insured individual or ₹10,000 per floater policy. Cashless only, booked through the Niva Bupa app, subject to policy terms.	myHealth Medisure Super Top-up Preventive health check-up after completion of each policy year or at renewal at a network provider, covering a listed panel including chest X-ray, 2D echo or stress test, PSA for males, PAP smear for females, medical examination report, complete blood count, urine routine, fasting blood sugar, lipid profile and ECG. The benefit is not carried forward if not used within 60 days of the policy anniversary

Annual Health Checkup

Reassure 2.0 Gold

Available from Day 1, once every policy year. The benefit is ₹500 per ₹1 lakh of Base Sum Insured, capped at ₹5,000 per insured individual or ₹10,000 per floater policy. Cashless only, booked through the Niva Bupa app, subject to policy terms.

myHealth Medisure Super Top-up

Preventive health check-up after completion of each policy year or at renewal at a network provider, covering a listed panel including chest X-ray, 2D echo or stress test, PSA for males, PAP smear for females, medical examination report, complete blood count, urine routine, fasting blood sugar, lipid profile and ECG. The benefit is not carried forward if not used within 60 days of the policy anniversary

Pre-Hospitalisation
Reassure 2.0 Gold Eligible pre-hospitalisation expenses are covered for up to 60 days, up to the Sum Insured.	myHealth Medisure Super Top-up Information Unavailable

Post-Hospitalisation
Reassure 2.0 Gold Eligible post-hospitalisation expenses are covered for up to 180 days, up to the Sum Insured.	myHealth Medisure Super Top-up 180 days after discharge

Outpatient Department Cover (OPD Expense)
Reassure 2.0 Gold Routine OPD expenses are not covered under the base plan. Unlimited e-consultations with network partners are included.	myHealth Medisure Super Top-up Not covered. Wellness services include discounts on OPD, pharmaceuticals, pharmacy and diagnostic centres, which are discounts rather than cover

Deductible Option
Reassure 2.0 Gold The prospectus lists an optional annual aggregate deductible of ₹10,000, ₹20,000, ₹30,000, ₹50,000 or ₹1,00,000 for the Bronze/Silver/Gold group. The Gold single-sheeter does not list this benefit, so availability for the Gold variant and sales channel requires confirmation.	myHealth Medisure Super Top-up Optional — Aggregate Deductible. The insured bears the opted amount across all admissible claims in a policy year before the insurer's liability begins. Opting for it removes the Cumulative Bonus and the Sum Insured Rebound

Coverage Options
Reassure 2.0 Gold Base Sum Insured options listed in the reviewed single-sheeter are ₹5 lakh, ₹7.5 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh, ₹25 lakh, ₹50 lakh and ₹1 crore. Individual cover for up to 6 members or family floater options are listed, with 1-year, 2-year and 3-year policy terms. Confirm the ₹7.5 lakh option against the insurer's latest schedule before publication.	myHealth Medisure Super Top-up Individual sum insured or floater sum insured

Claim Settlement Ratio
Reassure 2.0 Gold 96.8% of claims settled by number in FY 2025-26 for the combined ReAssure product line. The insurer's disclosure groups ReAssure, ReAssure 2.0 and ReAssure 3.0 UINs together, so this is not a Gold-specific ratio. Niva Bupa's company-level figure was 94.4% for FY 2025-26.	myHealth Medisure Super Top-up 97.43%

Maternity Cover
Reassure 2.0 Gold Maternity expenses are excluded under the standard policy terms. Ectopic pregnancy is treated separately in the exclusion wording.	myHealth Medisure Super Top-up Not covered — maternity and medical treatment expenses traceable to childbirth are permanently excluded

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Reassure 2.0 Gold

Health Insurance Plan

Brochure

Policy Wording

myHealth Medisure Super Top-up

Health Insurance Plan

Brochure

Room Rent
Reassure 2.0 Gold No room rent limit under the standard Gold variant. Optional Room Type Modification may allow a single private room or shared room at a lower premium. Choosing a room above the selected room category may lead to proportionate deductions.
VS VS
myHealth Medisure Super Top-up Normal: Single A/C private room ICU: no limit, expenses incurred will be covered by the insurance

ICU Charges
Reassure 2.0 Gold Covered up to the Sum Insured, with no separate ICU cap stated. If Room Type Modification is selected, ICU expenses are covered up to the Base Sum Insured.
VS VS
myHealth Medisure Super Top-up Covered within medical expenses; no separate ICU limit stated

Advanced Treatments
Reassure 2.0 Gold Information Unavailable
VS VS
myHealth Medisure Super Top-up Robotic surgeries for precise, minimally invasive procedures. Bariatric surgery for obesity management (as per policy terms). Modern cancer treatments like immunotherapy and targeted therapy. Stem cell therapy (for approved conditions). Proton beam therapy for advanced cancer care. Advanced cardiac procedures including transplants and minimally invasive heart surgeries.

Co-payment
Reassure 2.0 Gold No mandatory co-payment applies under the base plan. Optional voluntary co-payment options are 20%, 30%, 40% or 50%. The optional Tiered Network benefit offers a 15% premium discount and applies a 20% co-payment when treatment is taken at a non-tiered network hospital.
VS VS
myHealth Medisure Super Top-up The HDFC My: Health Medisure Super Top-Up Plan has a co-payment clause of 10% for individuals aged 61 years and above at the time of policy purchase.

Disease-wise sublimits
Reassure 2.0 Gold No general disease-wise sublimits are stated in the reviewed policy wording. Specific benefit limits apply, including air ambulance cover up to ₹2,50,000 per hospitalisation and the monofocal cataract lens restriction for Sum Insured up to ₹10 lakh.
VS VS
myHealth Medisure Super Top-up Yes — a ₹75,000 sub-limit applies to each of cataract; surgery for benign tumours, cysts, nodules or polyps; stone in the urinary system; hernia-related procedures; appendectomy; hysterectomy; fissures, piles and fistulas; and cellulitis or abscess. Optional Waiver of Disease Capping deletes these sub-limits

Cashless Healthcare Providers
Reassure 2.0 Gold Cashless treatment is available at Niva Bupa network hospitals. The reviewed single-sheeter cites approximately 10,000+ network hospitals. Cashless Everywhere is also offered at non-network hospitals, subject to the insurer's process. The brochure mentions a 30-minute cashless pre-authorisation commitment.
VS VS
myHealth Medisure Super Top-up 16,000+ Healthcare providers.

Restoration Benefit
Reassure 2.0 Gold ReAssureX, also referred to as ReAssure Forever, is triggered by the first paid claim in the life of the policy. It provides unlimited reinstatements, with each claim under the benefit covered up to the Base Sum Insured. It remains available for life if the policy is renewed without a break. Lock the Clock is not included in the Gold variant.
VS VS
myHealth Medisure Super Top-up Optional — Sum Insured Rebound adds an amount equal to the claim paid under the basic sum insured, up to a maximum of the basic sum insured, on subsequent hospitalisation in a policy year. A single claim cannot exceed the basic sum insured plus cumulative bonus earned; for chemotherapy and dialysis it applies only once in the policy lifetime; unused amounts do not carry forward; not available if aggregate deductible is opted

Cumulative Bonus
Reassure 2.0 Gold Booster+ 10X carries forward unused Base Sum Insured into the next policy year, up to 10 times the Base Sum Insured. The accumulated amount may be reduced proportionately if the Base Sum Insured is reduced.
VS VS
myHealth Medisure Super Top-up 10% of basic sum insured on each continuous renewal irrespective of claims, up to a maximum of 100%; not applicable if aggregate deductible is opted. Optional Cumulative Bonus Booster increases this to 50% per renewal, maximum 100%

Daycare Treatment
Reassure 2.0 Gold Covered up to the Sum Insured. Hospitalisation of 2 hours or more qualifies, subject to policy terms. AYUSH treatment requires a minimum admission of 24 hours.
VS VS
myHealth Medisure Super Top-up Covered by the policy.

Consumable Cover
Reassure 2.0 Gold Consumables and non-payable items are not covered under the base plan. Optional Safeguard covers specified List I items, while Safeguard+ covers specified items under Lists I to IV.
VS VS
myHealth Medisure Super Top-up Optional — Non-Medical Expenses Cover pays non-medical expenses up to 5% of the admissible claim amount under the hospitalisation section

AYUSH Treatment
Reassure 2.0 Gold Eligible in-patient AYUSH treatment is covered up to the Sum Insured for admissions of at least 24 hours in an AYUSH hospital. Yoga and Naturopathy claims require prior approval.
VS VS
myHealth Medisure Super Top-up Covered in the policy.

Initial Waiting Period
Reassure 2.0 Gold 30 days. Accidents are covered from Day 1, subject to policy terms.
VS VS
myHealth Medisure Super Top-up 30 days, except claims arising from an accident

Specific Waiting Period
Reassure 2.0 Gold 24 months for listed conditions and procedures. The waiting period does not apply to accidents. Cancer is covered after the initial 30-day waiting period, subject to policy terms.
VS VS
myHealth Medisure Super Top-up 24 months for specified illnesses and surgical procedures

PED Waiting Period
Reassure 2.0 Gold 36 months of continuous coverage for pre-existing diseases. Optional PED Waiting Time Modification can reduce this to 1 or 2 years at additional premium.
VS VS
myHealth Medisure Super Top-up 36 months; optional Waiting Period Modification reduces it to 24 months

Modern Treatment
Reassure 2.0 Gold Covered up to the Sum Insured for 12 listed procedures, including robotic surgery, oral chemotherapy, stem cell therapy, deep brain stimulation and intravitreal injections. For Sum Insured up to ₹10 lakh, cataract cover is limited to a monofocal lens, subject to policy terms.
VS VS
myHealth Medisure Super Top-up Not specified

Annual Health Checkup
Reassure 2.0 Gold Available from Day 1, once every policy year. The benefit is ₹500 per ₹1 lakh of Base Sum Insured, capped at ₹5,000 per insured individual or ₹10,000 per floater policy. Cashless only, booked through the Niva Bupa app, subject to policy terms.
VS VS
myHealth Medisure Super Top-up Preventive health check-up after completion of each policy year or at renewal at a network provider, covering a listed panel including chest X-ray, 2D echo or stress test, PSA for males, PAP smear for females, medical examination report, complete blood count, urine routine, fasting blood sugar, lipid profile and ECG. The benefit is not carried forward if not used within 60 days of the policy anniversary

Pre-Hospitalisation
Reassure 2.0 Gold Eligible pre-hospitalisation expenses are covered for up to 60 days, up to the Sum Insured.
VS VS
myHealth Medisure Super Top-up Information Unavailable

Post-Hospitalisation
Reassure 2.0 Gold Eligible post-hospitalisation expenses are covered for up to 180 days, up to the Sum Insured.
VS VS
myHealth Medisure Super Top-up 180 days after discharge

Outpatient Department Cover (OPD Expense)
Reassure 2.0 Gold Routine OPD expenses are not covered under the base plan. Unlimited e-consultations with network partners are included.
VS VS
myHealth Medisure Super Top-up Not covered. Wellness services include discounts on OPD, pharmaceuticals, pharmacy and diagnostic centres, which are discounts rather than cover

Deductible Option
Reassure 2.0 Gold The prospectus lists an optional annual aggregate deductible of ₹10,000, ₹20,000, ₹30,000, ₹50,000 or ₹1,00,000 for the Bronze/Silver/Gold group. The Gold single-sheeter does not list this benefit, so availability for the Gold variant and sales channel requires confirmation.
VS VS
myHealth Medisure Super Top-up Optional — Aggregate Deductible. The insured bears the opted amount across all admissible claims in a policy year before the insurer's liability begins. Opting for it removes the Cumulative Bonus and the Sum Insured Rebound

Coverage Options
Reassure 2.0 Gold Base Sum Insured options listed in the reviewed single-sheeter are ₹5 lakh, ₹7.5 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh, ₹25 lakh, ₹50 lakh and ₹1 crore. Individual cover for up to 6 members or family floater options are listed, with 1-year, 2-year and 3-year policy terms. Confirm the ₹7.5 lakh option against the insurer's latest schedule before publication.
VS VS
myHealth Medisure Super Top-up Individual sum insured or floater sum insured

Claim Settlement Ratio
Reassure 2.0 Gold 96.8% of claims settled by number in FY 2025-26 for the combined ReAssure product line. The insurer's disclosure groups ReAssure, ReAssure 2.0 and ReAssure 3.0 UINs together, so this is not a Gold-specific ratio. Niva Bupa's company-level figure was 94.4% for FY 2025-26.
VS VS
myHealth Medisure Super Top-up 97.43%

Maternity Cover
Reassure 2.0 Gold Maternity expenses are excluded under the standard policy terms. Ectopic pregnancy is treated separately in the exclusion wording.
VS VS
myHealth Medisure Super Top-up Not covered — maternity and medical treatment expenses traceable to childbirth are permanently excluded

Insurance Plans Comparison

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Secure against age-related medical costs
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Reassure 2.0 Gold vs Cancer Care Platinum

Reassure 2.0 Gold vs OneHealth Premium

Reassure 2.0 Gold vs Optima Lite

Reassure 2.0 Gold vs ProHealth Prime Protect

Reassure 2.0 Gold vs Medicare Plus

Reassure 2.0 Gold vs Activ Health Platinum Essential

Reassure 2.0 Gold vs Medicare Senior

Reassure 2.0 Gold vs Enhance Super Top-up Two

Reassure 2.0 Gold vs Reassure 3.0

Reassure 2.0 Gold vs Medicare Protect

Reassure 2.0 Gold vs Activ One SAVR

Reassure 2.0 Gold vs Active Assure Diamond

Reassure 2.0 Gold vs Activ One VIP

Reassure 2.0 Gold vs Health Pulse Classic

Reassure 2.0 Gold vs Advantage

Reassure 2.0 Gold vs Mediclaim Insurance Policy

Reassure 2.0 Gold vs Special Care Gold

Reassure 2.0 Gold vs Energy Gold Without Copay

Reassure 2.0 Gold vs Activ One Max

Reassure 2.0 Gold vs Classic

Reassure 2.0 Gold vs Activ One Vytl

Reassure 2.0 Gold vs Supreme

Reassure 2.0 Gold vs Freedom

Reassure 2.0 Gold vs Sarvah Pratham

Reassure 2.0 Gold vs Joy Today

Reassure 2.0 Gold vs Medi Classic

Reassure 2.0 Gold vs Activate Booster Plan B

Reassure 2.0 Gold vs Aspire Gold+

Reassure 2.0 Gold vs Health Gain

Reassure 2.0 Gold vs Aspire Platinum+

Reassure 2.0 Gold vs Plus Complete

Reassure 2.0 Gold vs Reassure 2.0 Platinum+

Reassure 2.0 Gold vs Reassure 3.0 Elite

Reassure 2.0 Gold vs Enhance Super Top-up One

Reassure 2.0 Gold vs Joy Tomorrow

Reassure 2.0 Gold vs Reassure 3.0 Select

Reassure 2.0 Gold vs Activ One VIP+

Reassure 2.0 Gold vs Red Carpet Senior Citizens

Reassure 2.0 Gold vs Super Surplus Gold

Reassure 2.0 Gold vs Health SuperCharge

Reassure 2.0 Gold vs Medicare Premier

Reassure 2.0 Gold vs Family Health Optima

Reassure 2.0 Gold vs Health Companion Variant 2022

Reassure 2.0 Gold vs Health Companion Variant 3

Reassure 2.0 Gold vs Plus Youth

Reassure 2.0 Gold vs ProHealth Prime Advantage

Reassure 2.0 Gold vs Critical Illness Silver Plan

Reassure 2.0 Gold vs Health Premia Gold

Reassure 2.0 Gold vs Health Premia Platinum

Reassure 2.0 Gold vs Comprehensive

Reassure 2.0 Gold vs HeartBeat Enhanced

Reassure 2.0 Gold vs Reassure

Reassure 2.0 Gold vs Health Recharge Super Top Up Plan

Reassure 2.0 Gold vs myHealth Suraksha Platinum

Reassure 2.0 Gold vs Supreme Value for Money

Reassure 2.0 Gold vs Supreme Enhance Two

Reassure 2.0 Gold vs Supreme Senior Super

Reassure 2.0 Gold vs Supreme Enhance

Reassure 2.0 Gold vs Active Fit Preferred

Reassure 2.0 Gold vs LifeTime Health

Reassure 2.0 Gold vs Medicare

Reassure 2.0 Gold vs ProHealth Prime Active

Reassure 2.0 Gold vs ProHealth Prime Senior Elite

Reassure 2.0 Gold vs Advanced Top Up

Reassure 2.0 Gold vs Multiplier Health

Reassure 2.0 Gold vs Ultimate (Direct)

Reassure 2.0 Gold vs Young Star

Reassure 2.0 Gold vs Star Women Care Policy

Reassure 2.0 Gold vs Family Plus

Reassure 2.0 Gold vs Sarvah Param

Reassure 2.0 Gold vs Optima Insurance

Reassure 2.0 Gold vs Smart Super Health Assure

Reassure 2.0 Gold vs Criti Shield Plus

Reassure 2.0 Gold vs Health Care Supreme Ultimo

Reassure 2.0 Gold vs Health Shield 360 Retail

Reassure 2.0 Gold vs Super Star

Reassure 2.0 Gold vs Reassure 3.0 Black

Reassure 2.0 Gold vs Health Guard Platinum

Reassure 2.0 Gold vs Health Guard Gold

Reassure 2.0 Gold vs Elevate (Direct)

Reassure 2.0 Gold vs Senior First Platinum

Reassure 2.0 Gold vs Extra Care Plus Super Top-up

Reassure 2.0 Gold vs Health Care Supreme Smart

Reassure 2.0 Gold vs Medi Classic Gold

Reassure 2.0 Gold vs Smart Health Pro

Reassure 2.0 Gold vs Optima Super Secure

Reassure 2.0 Gold vs Special Care

Reassure 2.0 Gold vs Optima Secure Global

Reassure 2.0 Gold vs Medicare LITE

Reassure 2.0 Gold vs Health Shield 360

Reassure 2.0 Gold vs NextGen

Reassure 2.0 Gold vs SecureHealth

Reassure 2.0 Gold vs Energy Silver With Copay

Reassure 2.0 Gold vs Supreme (Direct)

Reassure 2.0 Gold vs Plus

Reassure 2.0 Gold vs Medicare Select

Reassure 2.0 Gold vs myHealth Koti Suraksha

Reassure 2.0 Gold vs Senior

Reassure 2.0 Gold vs myHealth Suraksha Silver

Reassure 2.0 Gold vs Cardiac Care Platinum

Reassure 2.0 Gold vs Royal Sundaram Lifeline Elite

Reassure 2.0 Gold vs HeartBeat Platinum

Reassure 2.0 Gold vs Supreme Enhance One

Reassure 2.0 Gold vs HeartBeat Gold

Reassure 2.0 Gold vs Aspire Titanium+

Reassure 2.0 Gold vs iHealth Plus

Reassure 2.0 Gold vs Reassure 3.0 Classic

Reassure 2.0 Gold vs Senior Health Advantage

Reassure 2.0 Gold vs Health Wallet

Reassure 2.0 Gold vs Elevate

Reassure 2.0 Gold vs Heart

Reassure 2.0 Gold vs Reassure 2.0 Titanium+

Reassure 2.0 Gold vs Diabetes Safe Plan A

Reassure 2.0 Gold vs Reassure 2.0 Bronze+

Reassure 2.0 Gold vs Young Star Silver

Reassure 2.0 Gold vs Enhance Super Top-up

Reassure 2.0 Gold vs Joy

Reassure 2.0 Gold vs Supreme Senior Health AdvantEdge

Reassure 2.0 Gold vs Supreme Super Saver

Reassure 2.0 Gold vs Health Insurance Platinum

Reassure 2.0 Gold vs Supreme Senior Premium

Reassure 2.0 Gold vs Energy Silver Without Copay

Reassure 2.0 Gold vs Ultimate

Reassure 2.0 Gold vs EquiCover

Reassure 2.0 Gold vs Optima Secure

myHealth Medisure Super Top-up vs Supreme Senior Premium

myHealth Medisure Super Top-up vs Energy Silver Without Copay

myHealth Medisure Super Top-up vs Ultimate

myHealth Medisure Super Top-up vs EquiCover

myHealth Medisure Super Top-up vs Optima Secure

myHealth Medisure Super Top-up vs Super Mediclaim

myHealth Medisure Super Top-up vs Critical Illness Platinum Plan

myHealth Medisure Super Top-up vs Health Recharge

myHealth Medisure Super Top-up vs Optima Secure Plus

myHealth Medisure Super Top-up vs Cancer Cover Activ Cancer Secure Plan

myHealth Medisure Super Top-up vs Optima Secure Global Plus

myHealth Medisure Super Top-up vs LifeTime Health Global

myHealth Medisure Super Top-up vs Women Care

myHealth Medisure Super Top-up vs Aspire Diamond+

myHealth Medisure Super Top-up vs Activate Booster Plan A

myHealth Medisure Super Top-up vs Health Super Saver Standard

myHealth Medisure Super Top-up vs Active Care Premier

myHealth Medisure Super Top-up vs ProHealth Accumulate

myHealth Medisure Super Top-up vs Supreme Shine

myHealth Medisure Super Top-up vs Health Cardiac Care Silver & Gold Plan

myHealth Medisure Super Top-up vs myHealth Suraksha Gold

myHealth Medisure Super Top-up vs Elder Care

myHealth Medisure Super Top-up vs Young Star Gold

myHealth Medisure Super Top-up vs Assure

myHealth Medisure Super Top-up vs Active Fit Plus

myHealth Medisure Super Top-up vs Cancer Care Platinum

myHealth Medisure Super Top-up vs OneHealth Premium

myHealth Medisure Super Top-up vs Optima Lite

myHealth Medisure Super Top-up vs ProHealth Prime Protect

myHealth Medisure Super Top-up vs Medicare Plus

myHealth Medisure Super Top-up vs Activ Health Platinum Essential

myHealth Medisure Super Top-up vs Medicare Senior

myHealth Medisure Super Top-up vs Enhance Super Top-up Two

myHealth Medisure Super Top-up vs Reassure 3.0

myHealth Medisure Super Top-up vs Medicare Protect

myHealth Medisure Super Top-up vs Activ One SAVR

myHealth Medisure Super Top-up vs Active Assure Diamond

myHealth Medisure Super Top-up vs Activ One VIP

myHealth Medisure Super Top-up vs Health Pulse Classic

myHealth Medisure Super Top-up vs Advantage

myHealth Medisure Super Top-up vs Mediclaim Insurance Policy

myHealth Medisure Super Top-up vs Special Care Gold

myHealth Medisure Super Top-up vs Energy Gold Without Copay

myHealth Medisure Super Top-up vs Activ One Max

myHealth Medisure Super Top-up vs Classic

myHealth Medisure Super Top-up vs Activ One Vytl

myHealth Medisure Super Top-up vs Supreme

myHealth Medisure Super Top-up vs Freedom

myHealth Medisure Super Top-up vs Sarvah Pratham

myHealth Medisure Super Top-up vs Joy Today

myHealth Medisure Super Top-up vs Medi Classic

myHealth Medisure Super Top-up vs Activate Booster Plan B

myHealth Medisure Super Top-up vs Aspire Gold+

myHealth Medisure Super Top-up vs Health Gain

myHealth Medisure Super Top-up vs Aspire Platinum+

myHealth Medisure Super Top-up vs Plus Complete

myHealth Medisure Super Top-up vs Reassure 2.0 Platinum+

myHealth Medisure Super Top-up vs Reassure 3.0 Elite

myHealth Medisure Super Top-up vs Enhance Super Top-up One

myHealth Medisure Super Top-up vs Joy Tomorrow

myHealth Medisure Super Top-up vs Reassure 3.0 Select

myHealth Medisure Super Top-up vs Activ One VIP+

myHealth Medisure Super Top-up vs Red Carpet Senior Citizens

myHealth Medisure Super Top-up vs Super Surplus Gold

myHealth Medisure Super Top-up vs Health SuperCharge

myHealth Medisure Super Top-up vs Medicare Premier

myHealth Medisure Super Top-up vs Family Health Optima

myHealth Medisure Super Top-up vs Health Companion Variant 2022

myHealth Medisure Super Top-up vs Health Companion Variant 3

myHealth Medisure Super Top-up vs Plus Youth

myHealth Medisure Super Top-up vs ProHealth Prime Advantage

myHealth Medisure Super Top-up vs Critical Illness Silver Plan

myHealth Medisure Super Top-up vs Health Premia Gold

myHealth Medisure Super Top-up vs Health Premia Platinum

myHealth Medisure Super Top-up vs Comprehensive

myHealth Medisure Super Top-up vs HeartBeat Enhanced

myHealth Medisure Super Top-up vs Reassure

myHealth Medisure Super Top-up vs Health Recharge Super Top Up Plan

myHealth Medisure Super Top-up vs myHealth Suraksha Platinum

myHealth Medisure Super Top-up vs Supreme Value for Money

myHealth Medisure Super Top-up vs Supreme Enhance Two

myHealth Medisure Super Top-up vs Supreme Senior Super

myHealth Medisure Super Top-up vs Supreme Enhance

myHealth Medisure Super Top-up vs Reassure 2.0 Gold

myHealth Medisure Super Top-up vs Active Fit Preferred

myHealth Medisure Super Top-up vs LifeTime Health

myHealth Medisure Super Top-up vs Medicare

myHealth Medisure Super Top-up vs ProHealth Prime Active

myHealth Medisure Super Top-up vs ProHealth Prime Senior Elite

myHealth Medisure Super Top-up vs Advanced Top Up

myHealth Medisure Super Top-up vs Multiplier Health

myHealth Medisure Super Top-up vs Ultimate (Direct)

myHealth Medisure Super Top-up vs Young Star

myHealth Medisure Super Top-up vs Star Women Care Policy

myHealth Medisure Super Top-up vs Family Plus

myHealth Medisure Super Top-up vs Sarvah Param

myHealth Medisure Super Top-up vs Optima Insurance

myHealth Medisure Super Top-up vs Smart Super Health Assure

myHealth Medisure Super Top-up vs Criti Shield Plus

myHealth Medisure Super Top-up vs Health Care Supreme Ultimo

myHealth Medisure Super Top-up vs Health Shield 360 Retail

myHealth Medisure Super Top-up vs Super Star

myHealth Medisure Super Top-up vs Reassure 3.0 Black

myHealth Medisure Super Top-up vs Health Guard Platinum

myHealth Medisure Super Top-up vs Health Guard Gold

myHealth Medisure Super Top-up vs Elevate (Direct)

myHealth Medisure Super Top-up vs Senior First Platinum

myHealth Medisure Super Top-up vs Extra Care Plus Super Top-up

myHealth Medisure Super Top-up vs Health Care Supreme Smart

myHealth Medisure Super Top-up vs Medi Classic Gold

myHealth Medisure Super Top-up vs Smart Health Pro

myHealth Medisure Super Top-up vs Optima Super Secure

myHealth Medisure Super Top-up vs Special Care

myHealth Medisure Super Top-up vs Optima Secure Global

myHealth Medisure Super Top-up vs Medicare LITE

myHealth Medisure Super Top-up vs Health Shield 360

myHealth Medisure Super Top-up vs NextGen

myHealth Medisure Super Top-up vs SecureHealth

myHealth Medisure Super Top-up vs Energy Silver With Copay

myHealth Medisure Super Top-up vs Supreme (Direct)

myHealth Medisure Super Top-up vs Plus

myHealth Medisure Super Top-up vs Medicare Select

myHealth Medisure Super Top-up vs myHealth Koti Suraksha

myHealth Medisure Super Top-up vs Senior

myHealth Medisure Super Top-up vs myHealth Suraksha Silver

myHealth Medisure Super Top-up vs Cardiac Care Platinum

myHealth Medisure Super Top-up vs Royal Sundaram Lifeline Elite

myHealth Medisure Super Top-up vs HeartBeat Platinum

myHealth Medisure Super Top-up vs Supreme Enhance One

myHealth Medisure Super Top-up vs HeartBeat Gold

myHealth Medisure Super Top-up vs Aspire Titanium+

myHealth Medisure Super Top-up vs iHealth Plus

myHealth Medisure Super Top-up vs Reassure 3.0 Classic

myHealth Medisure Super Top-up vs Senior Health Advantage

myHealth Medisure Super Top-up vs Health Wallet

myHealth Medisure Super Top-up vs Elevate

myHealth Medisure Super Top-up vs Heart

myHealth Medisure Super Top-up vs Reassure 2.0 Titanium+

myHealth Medisure Super Top-up vs Diabetes Safe Plan A

myHealth Medisure Super Top-up vs Reassure 2.0 Bronze+

myHealth Medisure Super Top-up vs Young Star Silver

myHealth Medisure Super Top-up vs Enhance Super Top-up

myHealth Medisure Super Top-up vs Joy

myHealth Medisure Super Top-up vs Supreme Senior Health AdvantEdge

myHealth Medisure Super Top-up vs Supreme Super Saver

myHealth Medisure Super Top-up vs Health Insurance Platinum

myHealth Medisure Super Top-up vs Supreme Senior Premium

myHealth Medisure Super Top-up vs Energy Silver Without Copay

myHealth Medisure Super Top-up vs Ultimate

myHealth Medisure Super Top-up vs EquiCover

myHealth Medisure Super Top-up vs Optima Secure

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