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Insurance Plans Comparison

Niva Bupa Reassure 3.0 vs ICICI Lombard Health Elite Plus

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

Carry unused base sum insured forward up to 10 times, and unless unlimited sum insured is chosen, the first paid claim triggers a lifelong refill of up to the base sum insured for every later claim.

What Makes It Special:

ReAssure 3.0 is a customisable health insurance plan from Niva Bupa, available in four variants: Classic, Select, Elite and Black. The variants offer Base Sum Insured options of ₹5 lakh, ₹10 lakh or Unlimited. The plan includes hospitalisation cover for stays of 2 hours or more, pre- and post-hospitalisation benefits,...

Best For:

  • Buyers who want to customise waiting periods, co-payment, deductibles and optional benefits.

  • Customers who value restoration and carry-forward features, subject to the selected Sum Insured option.

  • People who want the option of Unlimited Sum Insured.

  • Families looking for a floater policy covering up to 6 members.

  • Buyers who want to choose a variant based on room eligibility and budget.

VS
ICICI Lombard

Health Elite Plus

Get a single private room and reset up to 100% of the sum insured once for the same illness and unlimited times for a different illness, with a 20% loyalty bonus up to 100% that stays after a claim.

What Makes It Special:

ICICI Lombard Health Elite Plus offers an unlimited reset benefit that can replenish up to 100% of the base sum insured when the available cover becomes insufficient after previous claims. It can be used unlimited times for different illnesses and once for the same illness, subject to policy conditions. The plan...

Best For:

  • Buyers who want the option to add specific benefits, such as worldwide hospitalisation cover or outpatient services, subject to eligibility and additional premium.

  • Customers seeking benefits such as donor expenses, domiciliary hospitalisation and air ambulance cover.

  • People who value a guaranteed cumulative bonus that can increase their available cover over time.

  • Buyers who want a reset benefit for eligible subsequent hospitalisation claims.

  • Individuals or families looking for a health insurance plan with multiple sum insured options.

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Quick Decision Guide

  • Classic and Select have room-category limits and a ₹1 lakh per-claim modern treatment limit. Lock the Clock is available only with Elite and Black.

  • Consumables and specified non-payable items require the optional Claim Safeguard+ benefit.

  • Maternity expenses are excluded.

  • Listed specific diseases and procedures have a 24-month waiting period unless modified.

  • The standard pre-existing disease waiting period is 36 months unless modified through an eligible option.

  • Waiting periods, co-payment, deductibles and several optional benefits can be customised.

  • ReAssure Forever provides unlimited reinstatements after the first paid claim when eligible.

  • Booster+ can carry forward unused Base Sum Insured up to 10 times for the ₹5 lakh and ₹10 lakh options.

  • Hospitalisation of 2 hours or more is covered, subject to policy terms.

  • Unlimited Sum Insured is available across all four variants.

  • If you need worldwide cover or other add-ons, confirm their availability, waiting periods, limits and additional premium before purchasing.

  • If you opt for voluntary co-payment or treatment outside your selected pricing zone, account for the applicable out-of-pocket share.

  • If you expect to use outpatient services, confirm whether the optional BeFit cover is selected and what its specific limits include.

  • If you have a pre-existing condition, check the 24-month waiting period and disclose your medical history accurately.

  • Choose a sum insured that fits your expected medical costs and check how room eligibility changes at the ₹20 lakh threshold.

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Detailed Features Comparison

Compare the key features of different health insurance plans

Reassure 3.0
Reassure 3.0

Health Insurance Plan

VS
Health Elite Plus
Health Elite Plus

Health Insurance Plan

Room Rent

Reassure 3.0

General Ward. Select: up to Twin Sharing. Elite: all rooms except Deluxe and Suite. Black: no room-category capping. Choosing a room above the eligible category can result in co-payment on the entire claim, as specified in the policy annexure.

VS

Health Elite Plus

  1. Normal: Covered Up to Sum Insured
  2. ICU: Covered up to sum insured
ICU Charges

Reassure 3.0

Covered within hospitalisation expenses up to the Sum Insured. No separate ICU sub-limit is stated in the policy wording

VS

Health Elite Plus

Not verified for the exact current variant configuration.

Advanced Treatments

Reassure 3.0

Information Unavailable

VS

Health Elite Plus

  1. Oral chemotherapy
  2. Robotic surgeries
  3. Stem cell therapy
Co-payment

Reassure 3.0

No mandatory co-payment applies under the base plan. Room-category co-payment can apply if the insured chooses a room above the variant's eligibility. Optional voluntary co-payment ranges from 0% to 50%. A 20% co-payment may apply when HeadsUp or Tiered Network conditions are not met.

VS

Health Elite Plus

Insured can choose 10% or 20% co-payment, allowing cost-sharing for lower premium expenses.

Disease-wise sublimits

Reassure 3.0

No general disease-wise sublimits are stated. Classic and Select have a ₹1 lakh per-claim limit for modern treatments. Cataract treatment under these variants is limited to a monofocal lens, subject to policy wording.

VS

Health Elite Plus

Cataract treatment is limited to 10% of the sum insured, up to ₹1 lakh per eye, after the applicable two-year period. Other applicable limits and exclusions must be checked in the policy wording.

Restoration Benefit

Reassure 3.0

ReAssure Forever is triggered after the first paid claim and provides unlimited reinstatements, with each claim covered up to the Base Sum Insured. It remains available for life if the policy is renewed without a break. This benefit applies only when Unlimited Sum Insured has not been selected.

VS

Health Elite Plus

Reset of up to 100% of the base sum insured, unlimited times for different illnesses and once for the same illness. It does not trigger on the first claim and is subject to the policy conditions.

Cashless Healthcare Providers

Reassure 3.0

Cashless treatment is available at Niva Bupa network hospitals. The insurer also describes a Cashless Everywhere facility for non-network hospitals, subject to its process and applicable terms. Current network hospital count requires verification.

VS

Health Elite Plus

10,000+ Cashless Healthcare Providers

Cumulative Bonus

Reassure 3.0

Booster+ carries forward unused Base Sum Insured into the next policy year, accumulating up to 10 times the Base Sum Insured. This applies to the ₹5 lakh and ₹10 lakh options. Its treatment with Unlimited Sum Insured requires confirmation

VS

Health Elite Plus

Loyalty bonus is described in the available policy information; current applicable rate and maximum require verification.

Daycare Treatment

Reassure 3.0

Covered up to the Sum Insured. Hospitalisation of 2 hours or more qualifies, subject to policy terms. AYUSH hospitalisation requires 24 hours or more.

VS

Health Elite Plus

Covers procedures requiring less than 24-hour hospitalization, like cataract surgery and chemotherapy.

Consumable Cover

Reassure 3.0

Consumables and non-payable items are not covered under the base plan. Optional Claim Safeguard+ covers specified items listed under Lists I to IV.


VS

Health Elite Plus

Not verified as a standard benefit for the exact current variant.

AYUSH Treatment

Reassure 3.0

In-patient AYUSH treatment is covered up to the Sum Insured for admissions of 24 hours or more in an AYUSH hospital, subject to policy terms.

VS

Health Elite Plus

Coverage for Ayurveda, Yoga, Unani, Siddha, and Homeopathy at government-recognized institutions.

Initial Waiting Period

Reassure 3.0

30 days, with accidents covered from Day 1. Optional modifications can reduce the initial waiting period to 7, 10 or 15 days.

VS

Health Elite Plus

30 days for illnesses from the start of the policy; accidents are excluded from this waiting-period restriction.

Specific Waiting Period

Reassure 3.0

24 months for listed diseases and procedures. Accidents are covered from Day 1, and cancer is covered after 30 days, subject to policy terms. An optional modification can change the specific waiting period to 12 or 36 months.


VS

Health Elite Plus

24 months for specified diseases and procedures listed in the policy.

PED Waiting Period

Reassure 3.0

36 months for pre-existing diseases. Optional modifications can reduce this to 12 or 24 months. Day 1 PED cover may be available with additional premium loading, subject to underwriting and acceptance.

VS

Health Elite Plus

24 months for declared and accepted pre-existing diseases, subject to policy terms and applicable portability rules.

Modern Treatment

Reassure 3.0

Classic and Select: up to ₹1 lakh per claim, removable with the optional Modern Treatments+ benefit. Elite and Black: covered up to the Sum Insured. Covers 12 listed modern treatments, including robotic surgery, oral chemotherapy and stem cell therapy

VS

Health Elite Plus

Covered up to the annual sum insured, subject to policy terms and exclusions.

Annual Health Checkup

Reassure 3.0

Available as an optional benefit, with Cashless Only or Cashless + Reimbursement options, once per policy year from Day 1. The policy annexure lists variant-wise packages ranging from 7 tests for Classic to 18 tests for Black. Exact package mapping requires confirmation.

VS

Health Elite Plus

Preventive health check-up available at designated centres, subject to policy conditions.

Pre-Hospitalisation

Reassure 3.0

Covered for 60 days before hospitalisation, up to the Sum Insured. Optional modifications may change this period to 30, 90 or 180 days.

VS

Health Elite Plus

60 days


Post-Hospitalisation

Reassure 3.0

Covered for 180 days after hospital discharge, up to the Sum Insured. Optional modifications may change the period to 30, 60, 90, 270 or 365 days.

VS

Health Elite Plus

180 days.

Outpatient Department Cover (OPD Expense)

Reassure 3.0

OPD expenses are not covered under the base plan. Optional WellConsult+ provides an OPD limit linked to 1x to 5x of the base premium, with a 20% co-payment on reimbursement claims. Unlimited e-consultations are included in the base plan.

VS

Health Elite Plus

Not included as a general unlimited standard benefit. Optional BeFit provides specified outpatient consultations and related benefits on a cashless basis, according to the selected plan.

Deductible Option

Reassure 3.0

Optional annual aggregate deductible of ₹10,000, ₹20,000, ₹30,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹4 lakh or ₹5 lakh. The deductible cannot be combined with voluntary co-payment.

VS

Health Elite Plus

No deductible option.

Coverage Options

Reassure 3.0

Base Sum Insured options of ₹5 lakh, ₹10 lakh or Unlimited. Available on an individual, multi-individual or family floater basis, covering up to 6 members. Policy terms range from 1 to 5 years.

VS

Health Elite Plus

Individual and family floater options, with sum insured options from ₹5 lakh to ₹3 crore.

Claim Settlement Ratio

Reassure 3.0

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 ReAssure 3.0-only figure. Niva Bupa's company-level figure was 94.4% for FY 2025-26.

VS

Health Elite Plus

Information Unavailable

Maternity Cover

Reassure 3.0

Maternity expenses are excluded under the standard policy terms. No maternity-specific optional benefit was identified in the reviewed documents.

VS

Health Elite Plus

Childbirth-related medical expenses are excluded, except ectopic pregnancy, as stated in the exclusions.

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