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Insurance Plans Comparison

Niva Bupa Reassure 3.0 Classic vs ICICI Lombard Health Booster SuperTopup Individual Adult 1 Year N

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 Classic

Health insurance with general-room eligibility, configurable cost-sharing options, and additional benefits subject to policy terms.

What Makes It Special:

Niva Bupa ReAssure 3.0 Classic is the Classic variant of the ReAssure 3.0 health insurance product. The supplied brochure lists hospitalisation coverage, modern treatments, AYUSH treatment, pre- and post-hospitalisation expenses, and other benefits subject to the policy terms. Its defining room-related feature is coverage for a general room, rather than...

Best For:

  • Buyers who value supplementary benefits such as claim-free-year cashback, subject to the applicable terms and eligibility.

  • Individuals interested in optional OPD and wellness services through Wellconsult+.

  • Buyers who want to choose a co-payment percentage or annual aggregate deductible, where available.

  • Individuals seeking an unlimited sum-insured option, subject to the policy's applicable terms.

  • Buyers looking for health insurance with a defined general-room category rather than the broader room eligibility listed for Black.

VS
ICICI Lombard

Health Booster SuperTopup Individual Adult 1 Year N

Additional health insurance protection for eligible hospitalisation expenses beyond a selected deductible.

What Makes It Special:

Health Booster is a Super Top-up health insurance product intended to provide additional protection against eligible medical expenses once the applicable aggregate deductible is crossed.

Best For:

  • Individuals comparing top-up options based on deductible, sum insured, waiting periods and covered hospitalisation expenses.

  • Buyers comfortable with a Super Top-up structure in which eligible expenses are aggregated during the policy year.

  • Individuals who can manage eligible medical expenses falling within the deductible.

  • Adults who already have a base health insurance policy and want an additional layer of medical expense protection.

  • Individuals seeking additional protection against high hospitalisation expenses beyond a chosen deductible.

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

Niva Bupa Reassure 3.0 Classic

  • Optional benefits: Check the price, availability, limits, exclusions, and claim conditions for Wellconsult+, Claim Safeguard+, and other optional benefits.

  • Sum insured and claim limits: Verify the available sum-insured options and any treatment-specific limits, including the modern treatment limit shown in the supplied brochure.

  • Co-payment and deductible: Compare the available options and understand how each affects your out-of-pocket costs during a claim.

  • Waiting periods: Review the initial waiting period, pre-existing disease waiting period, and specific-disease waiting periods. Confirm whether optional modifications are available and accepted.

  • Room eligibility: Confirm that general-room coverage meets your needs. Check the consequences of choosing a room outside the permitted category.

ICICI Lombard Health Booster SuperTopup Individual Adult 1 Year N

  • Verify the exact UIN, policy schedule, deductible and included benefits for the “SuperTopup Individual Adult 1 Year N” variant before purchasing.

  • Confirm that the applicable policy covers the treatments and hospital expenses you expect to claim, including any relevant exclusions or limits.

  • Review the initial, specific-disease and pre-existing disease waiting periods before relying on the policy for planned treatment.

  • Compare the selected sum insured with the potential cost of major hospitalisation before choosing the cover amount.

  • Check whether the deductible is aligned with your existing health insurance cover and the amount you could pay yourself.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Reassure 3.0 Classic
Reassure 3.0 Classic

Health Insurance Plan

Brochure

Policy Wording

VS
Health Booster SuperTopup Individual Adult 1 Year N
Health Booster SuperTopup Individual Adult 1 Year N

Health Insurance Plan

Brochure

Room Rent

Reassure 3.0 Classic

Classic covers General Room; higher room selection triggers co-payment.

VS

Health Booster SuperTopup Individual Adult 1 Year N

Room rent forms part of eligible in-patient hospitalisation expenses; any specific limits for this variant are not verified.

ICU Charges

Reassure 3.0 Classic

Covered under hospitalisation expenses up to applicable SI

VS

Health Booster SuperTopup Individual Adult 1 Year N

Covered as part of eligible in-patient hospitalisation expenses, subject to the deductible and policy terms.

Co-payment

Reassure 3.0 Classic

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

VS

Health Booster SuperTopup Individual Adult 1 Year N

Not verified for this exact variant.

Disease-wise sublimits

Reassure 3.0 Classic

₹1L sublimit per claim for specified modern treatments.

VS

Health Booster SuperTopup Individual Adult 1 Year N

Not verified for this exact variant. Refer to the applicable policy schedule for any benefit-specific limits.

Cashless Healthcare Providers

Reassure 3.0 Classic

Available through Niva Bupa network hospitals.

VS

Health Booster SuperTopup Individual Adult 1 Year N

Cashless treatment is available at eligible network hospitals, subject to policy terms and hospital status. The current network count has not been verified.

Restoration Benefit

Reassure 3.0 Classic

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

VS

Health Booster SuperTopup Individual Adult 1 Year N

The insurer's general Health Booster information describes a reset of up to 100% of the sum insured once per policy year for eligible plans with a sum insured/deductible of ₹3 lakh or more. It applies to future eligible claims, does not trigger for the first claim and has restrictions for claims related to the same illness, disease or injury for the same person. Applicability to this exact variant is not verified.

Cumulative Bonus

Reassure 3.0 Classic

Booster+ add on: Carry forward unused SI accumulating up to 10X base SI

VS

Health Booster SuperTopup Individual Adult 1 Year N

The insurer's general Health Booster FAQ describes an Additional Sum Insured of 10% of the base sum insured for each claim-free renewal year, up to 50%; a claim can reduce the accrued amount. Applicability to this exact variant is not verified.

Daycare Treatment

Reassure 3.0 Classic

Covered for hospitalisations ≥2 hours (AYUSH ≥24 hours).

VS

Health Booster SuperTopup Individual Adult 1 Year N

Eligible daycare procedures are listed in the insurer's Health Booster key information, subject to policy terms.

Consumable Cover

Reassure 3.0 Classic

Claim Safeguard+ available as optional benefit for non-payable items.

VS

Health Booster SuperTopup Individual Adult 1 Year N

Not verified for this exact variant.

AYUSH Treatment

Reassure 3.0 Classic

Covered under hospitalisation when ≥24 hours AYUSH stay required.

VS

Health Booster SuperTopup Individual Adult 1 Year N

In-patient AYUSH hospitalisation is listed in the insurer's published Health Booster key information, subject to policy terms. Applicability to this exact variant is not verified.

Initial Waiting Period

Reassure 3.0 Classic

30 days from first commencement (except accidents).

VS

Health Booster SuperTopup Individual Adult 1 Year N

30 days for illnesses, except hospitalisation due to bodily injury, according to the insurer's general Health Booster information. Applicability to this exact variant should be confirmed.

Specific Waiting Period

Reassure 3.0 Classic

24 months standard; modifiable to 12 or 36 months.

VS

Health Booster SuperTopup Individual Adult 1 Year N

24 months for specified illnesses and treatments, subject to the policy wording.

PED Waiting Period

Reassure 3.0 Classic

36 months standard; modifiable to 12 or 24 months.

VS

Health Booster SuperTopup Individual Adult 1 Year N

24 months of continuous coverage for pre-existing diseases declared and accepted by the insurer, according to the general Health Booster information.

Modern Treatment

Reassure 3.0 Classic

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

VS

Health Booster SuperTopup Individual Adult 1 Year N

Not verified for this exact variant.

Annual Health Checkup

Reassure 3.0 Classic

Available from Day 1 on cashless basis per defined Classic package.

VS

Health Booster SuperTopup Individual Adult 1 Year N

The insurer's published Health Booster information mentions wellness and preventive healthcare, including routine health check-ups. Availability and limits for this exact variant are not verified.

Pre-Hospitalisation

Reassure 3.0 Classic

Up to 60 days before hospitalisation when related to accepted claim

VS

Health Booster SuperTopup Individual Adult 1 Year N

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

Post-Hospitalisation

Reassure 3.0 Classic

Covered for 180 days after discharge for admitted medical expenses

VS

Health Booster SuperTopup Individual Adult 1 Year N

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

Outpatient Department Cover (OPD Expense)

Reassure 3.0 Classic

Not in base; Wellconsult+ add on selectable up to 5X total premium.

VS

Health Booster SuperTopup Individual Adult 1 Year N

Routine OPD coverage is not verified for this exact variant.

Deductible Option

Reassure 3.0 Classic

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

VS

Health Booster SuperTopup Individual Adult 1 Year N

A deductible applies before eligible base medical claims become payable. For a Super Top-up plan, the deductible is applied to aggregate eligible hospitalisation expenses during the policy year; the amount for this variant is not verified.

Coverage Options

Reassure 3.0 Classic

₹5L, ₹10L, Unlimited SI.

VS

Health Booster SuperTopup Individual Adult 1 Year N

The selected sum insured, deductible and policy configuration for this variant are not verified.

Claim Settlement Ratio

Reassure 3.0 Classic

80%

VS

Health Booster SuperTopup Individual Adult 1 Year N

FY 24-25: ~84%

Maternity Cover

Reassure 3.0 Classic

Not included in Classic variant base benefits.

VS

Health Booster SuperTopup Individual Adult 1 Year N

Not verified for this exact variant; not listed among the standard benefits in the referenced Health Booster key information.

Insurance Plans Comparison

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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

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  • 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

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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

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

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

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