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Insurance Plans Comparison

Niva Bupa Reassure 3.0 Black vs ICICI Lombard Health Booster

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 Black

Premium health insurance coverage with unlimited sum-insured options, flexible co-payment and deductible choices, and additional benefits subject to policy terms.

What Makes It Special:

Niva Bupa ReAssure 3.0 Black is the Black variant of the ReAssure 3.0 health insurance product. The supplied brochure lists coverage for hospitalisation expenses, modern treatments, AYUSH treatment, pre- and post-hospitalisation expenses, and ambulance services. It also describes benefits such as Lock the Clock, Live Healthy, Cash-Bag+, and optional Wellconsult+,...

Best For:

  • Buyers who want to explore premium-related benefits such as Lock the Clock and claim-free-year cashback through Cash-Bag+, subject to the applicable terms.

  • Individuals interested in additional benefits such as OPD services through Wellconsult+ or non-payable-item coverage through Claim Safeguard+, where available.

  • Buyers who value any-room coverage, as listed for the Black variant in the brochure.

  • Individuals who prefer the flexibility to choose a co-payment percentage or annual aggregate deductible.

  • Buyers seeking a health insurance plan with unlimited sum-insured options, subject to availability and policy conditions.

VS
ICICI Lombard

Health Booster

Buy a super top-up that pays hospital bills above a deductible of ₹3 lakh, ₹4 lakh or ₹5 lakh, with a sum insured from ₹5 lakh to ₹50 lakh, inpatient AYUSH cover and a once-a-year reset for an unrelated illness.

What Makes It Special:

Health Booster is a deductible-based health insurance product designed to provide additional financial protection when eligible hospitalisation expenses exceed the selected deductible. Its value depends on the relationship between the deductible, the available sum insured and the coverage provided by the policyholder's primary health insurance. Waiting periods, eligible expenses, exclusions...

Best For:

  • People who are comfortable checking waiting periods, exclusions and deductible conditions before purchasing additional cover.

  • Buyers comparing a top-up plan with a super top-up plan who want to understand how the deductible is applied to claims.

  • Families looking to increase their overall potential health insurance protection without relying entirely on a single base policy.

  • Buyers who can manage expenses up to the deductible and want cover for eligible expenses above that amount.

  • People who already have health insurance and want additional protection against large medical bills.

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 and exclusions: Confirm the availability and cost of Wellconsult+, Claim Safeguard+, Borderless, and other optional benefits, along with their individual limits and exclusions.

  • Room eligibility and network: Verify the any-room benefit, room-category restrictions, network hospitals, and potential co-payment when specified conditions are not met.

  • Co-payment and deductibles: Compare the available percentages and deductible amounts. Understand how these affect the amount payable during a claim.

  • Waiting periods: Check the initial waiting period, specific-disease waiting periods, and pre-existing disease waiting period. Confirm whether any optional modification has been accepted.

  • Sum insured: Confirm the available sum-insured options, premium, and the precise meaning of unlimited coverage under the policy.

  • Before buying, compare the premium, deductible, sum insured and claim conditions with the cost of increasing your existing base policy.

  • If you expect to claim for a specific treatment, verify that the treatment is covered and that its waiting period and exclusions are satisfied.

  • If you have a pre-existing disease, check that it has been disclosed and accepted and understand the applicable waiting period before relying on the cover.

  • If you may have several hospitalisation claims in one year, confirm whether the deductible applies per claim or on an aggregate basis under your specific policy version.

  • If you already have a base health policy, compare its sum insured with the Health Booster deductible to identify any potential coverage gap.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Reassure 3.0 Black
Reassure 3.0 Black

Health Insurance Plan

VS
Health Booster
Health Booster

Health Insurance Plan

Brochure

Room Rent

Reassure 3.0 Black

Any room category covered up to SI with no room-type capping.

VS

Health Booster

  1. Normal: Single private A/C room
  2. ICU: No limit, expenses incurred would be covered by the policy.
ICU Charges

Reassure 3.0 Black

Covered as part of hospitalisation expenses up to applicable SI

VS

Health Booster

Information Unavailable

Advanced Treatments

Reassure 3.0 Black

Information Unavailable

VS

Health Booster

  1. Uterine Artery Embolization and HIFU (High intensity focused ultrasound) 
  2. Immunotherapy- Monoclonal Antibody to be given as injection 
  3.  Vaporization of the prostrate (Green laser treatment or holmium laser treatment) 
  4. Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions
  5.  Balloon Sinuplasty 
  6. Oral Chemotherapy and many more
Co-payment

Reassure 3.0 Black

Optional: 0%, 10%, 20%, 30%, 40%, 50% choices available.

VS

Health Booster

This does not apply if the insured is 60 years of age or below. However, this condition will not be applicable if you were aged 45 years or below at the time of buying this policy for the first time and have renewed it continuously after that.

Disease-wise sublimits

Reassure 3.0 Black

No general disease-wise sublimit specified

VS

Health Booster

No comprehensive disease-wise sublimit list has been confirmed for the referenced policy wording. Check the policy schedule and applicable benefit conditions.

Cashless Healthcare Providers

Reassure 3.0 Black

Available through Niva Bupa network hospitals.

VS

Health Booster

10,896 cashless healthcare

Restoration Benefit

Reassure 3.0 Black

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

VS

Health Booster

Information Unavailable

Cumulative Bonus

Reassure 3.0 Black

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

VS

Health Booster

Additional Sum Insured increases by 10% of the base sum insured for each claim-free policy year, up to 50%. A claim in a subsequent policy period reduces the accrued amount by 10% of the sum insured at renewal.

Daycare Treatment

Reassure 3.0 Black

Eligible Day Care Treatments covered under hospitalisation benefit.

VS

Health Booster

150 medical expenses incurred by you while undergoing Specified Day Care Treatment, which require less than 24 hours hospitalization are covered by the policy.

Consumable Cover

Reassure 3.0 Black

Yes, medicines, drugs and consumables included in hospitalisation expenses.

VS

Health Booster

Not verified as a standard benefit for this policy version.

AYUSH Treatment

Reassure 3.0 Black

Covers AYUSH hospitalisation up to applicable SI

VS

Health Booster

Covered by the policy..

Initial Waiting Period

Reassure 3.0 Black

30 days (standard terms apply).

VS

Health Booster

Subject to policy wording and applicable exceptions. Confirm the applicable schedule before publishing a definitive duration.

Specific Waiting Period

Reassure 3.0 Black

Standard period with option to modify to 12 or 36 months.

VS

Health Booster

2 years for specified diseases and procedures, subject to policy terms.

PED Waiting Period

Reassure 3.0 Black

Standard 36 months with option to modify to 12 or 24 months

VS

Health Booster

2 years for pre-existing diseases declared and accepted by the insurer.

Modern Treatment

Reassure 3.0 Black

Covers robotic surgery, oral chemotherapy, stereotactic radiosurgery, deep brain stimulation, intravitreal injections up to applicable SI.

VS

Health Booster

Covered subject to the sum insured, deductible and policy terms.

Annual Health Checkup

Reassure 3.0 Black

Not in Black variant base; NivaBupaOne provides Executive Health Assessment separately.

VS

Health Booster

Not confirmed for the policy wording referenced here.

Pre-Hospitalisation

Reassure 3.0 Black

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

VS

Health Booster

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

Post-Hospitalisation

Reassure 3.0 Black

Up to 180 days after discharge for related eligible medical expenses.

VS

Health Booster

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

Outpatient Department Cover (OPD Expense)

Reassure 3.0 Black

Not in base; Wellconsult+ available as optional OPD benefit.

VS

Health Booster

Routine outpatient consultations and treatment are not listed as a standard base-cover benefit.

Deductible Option

Reassure 3.0 Black

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

VS

Health Booster

A deductible applies before eligible hospitalisation claims become payable. The selected amount and its application are specified in the policy schedule. Under the Super Top-up structure, the deductible applies to aggregate hospitalisation expenses during the policy year.

Coverage Options

Reassure 3.0 Black

₹5L, ₹10L, Unlimited SI.

VS

Health Booster

Available as a Super Top-up health insurance plan, with the selected sum insured, deductible and individual or floater configuration specified in the policy schedule.

Claim Settlement Ratio

Reassure 3.0 Black

80%

VS

Health Booster

FY 24-25: ~84%

Maternity Cover

Reassure 3.0 Black

Not in standard Black variant benefits.

VS

Health Booster

Not listed as a standard benefit in the referenced policy wording.

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What Our Experts Help You With

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Family Health Plan

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  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

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