Insurance Plans Comparison
ManipalCigna ProHealth Accumulate vs Niva Bupa Reassure
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreProHealth Accumulate
ProHealth Accumulate
What Makes It Special:
ProHealth 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
Reassure
Niva Bupa ReAssure Plan No room rent cap, cover that refills from your first paid claim, and Loyalty Additions that can double your Base Sum Insured.
What Makes It Special:
Niva Bupa's ReAssure health insurance plan offers unlimited in-year reinstatement from the first paid claim, Loyalty Additions up to 100% of Base Sum Insured and no room rent capping.
Best For:
Customers who value preventive health benefits: Annual health check-ups are available from day one, alongside the Live Healthy renewal discount programme.
Long-term policyholders: Loyalty Additions can increase Base Sum Insured by up to 100%.
People who prefer room flexibility: The plan has no room rent capping, subject to the policy terms.
Buyers seeking flexible cover amounts: Sum Insured options range from ₹3 lakh to ₹1 crore.
Families looking for recurring cover: The ReAssure benefit reinstates cover from the first paid claim and can be used for subsequent claims throughout the policy year.
Insurance Plans Comparison
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Quick Decision Guide
Not available
Road ambulance expenses are limited to ₹2,000 per hospitalisation.
Maternity expenses and OPD treatment are excluded.
Most robotic surgeries have a ₹1 lakh limit unless Modern Treatment+ is selected.
Listed conditions and procedures have a 24-month specific waiting period.
The pre-existing disease waiting period is 36 months.
Annual health check-ups are available from day one, with a potential renewal discount through Live Healthy.
Sum Insured options range from ₹3 lakh to ₹1 crore.
Loyalty Additions add 50% of Base SI each year, up to 100%.
Unlimited in-year reinstatement starts from the first paid claim.
No room rent capping, with ICU expenses covered up to Sum Insured.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() ProHealth Accumulate Health Insurance Plan VS VS |
Reassure Health Insurance Plan |
| Room Rent |
|---|
ProHealth Accumulate Normal: Single Private AC Room ICU: Up to Sum Insured |
VS VS |
Reassure No room rent capping. Eligible inpatient room categories are covered subject to policy terms. |
| Advanced Treatments |
|---|
ProHealth Accumulate Sum Insured below ₹5 Lakh: Covered up to 50% of Sum Insured Sum Insured ₹5 Lakh and above: Covered up to Sum Insured |
VS VS |
Reassure Information Unavailable |
| ICU Charges |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
Reassure Covered up to Sum Insured under inpatient care, with no separate ICU cap. |
| Co-payment |
|---|
ProHealth Accumulate Not mentioned |
VS VS |
Reassure No co-payment under the base plan. The optional Tiered Network add-on offers a 15% premium discount and applies a 20% co-payment when treatment is taken at a non-tiered network hospital. |
| Disease-wise sublimits |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
Reassure No general disease-wise sublimits. Most robotic surgeries have a ₹1 lakh limit, with listed exceptions. Road ambulance is limited to ₹2,000 per hospitalisation, and air ambulance reimbursement is capped at ₹2.5 lakh. |
| Waiting Period |
|---|
ProHealth Accumulate Initial Waiting Period: 30 Days Pre-existing Disease Waiting Period: Sum Insured up to ₹5 Lakh: 36 Months Sum Insured ₹7.5 Lakh and above: 24 Months Specific Disease/Procedure Waiting Period: 24 Months Bariatric Surgery Waiting Period: 36 Months Maternity & Infertility Waiting Period: 36 Months |
VS VS |
Reassure Information Unavailable |
| Cashless Healthcare Providers |
|---|
ProHealth Accumulate Not mentioned |
VS VS |
Reassure Cashless treatment is available at Niva Bupa network providers, subject to network participation and pre-authorisation. Niva Bupa has reported a company-wide network of 10,000+ hospitals. |
| Restoration Benefit |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
Reassure The ReAssure benefit provides unlimited reinstatement within the policy year, triggered from the first paid claim. It is available for subsequent claims for any illness and any insured member. Each claim under the benefit is limited to Base Sum Insured |
| Daycare Treatment |
|---|
ProHealth Accumulate Covered up to Sum Insured |
VS VS |
Reassure Eligible day-care treatment is covered up to Sum Insured. The policy wording specifies admission exceeding 2 hours and includes procedures such as angiography, dialysis, radiotherapy and chemotherapy for cancer. |
| Cumulative Bonus |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
Reassure Loyalty Additions add 50% of the previous year's Base Sum Insured at each policy anniversary, up to 100% of Base SI |
| AYUSH Treatment |
|---|
ProHealth Accumulate Covered up to Sum Insured |
VS VS |
Reassure Eligible inpatient treatment under Ayurveda, Unani, Siddha and Homeopathy at an AYUSH hospital is covered up to Sum Insured. Yoga is not covered. |
| Consumable Cover |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
Reassure Not covered in the base plan. Optional Safeguard covers List I non-payable items, while Safeguard+ covers Lists I to IV. |
| Initial Waiting Period |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
Reassure 30 days for illnesses. Accidents are covered from day one. |
| Specific Waiting Period |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
Reassure 24 months for listed conditions and procedures, subject to policy terms. This waiting period does not apply to accidents. Cancer is covered after the applicable 30-day initial waiting period. |
| PED Waiting Period |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
Reassure 36 months of continuous coverage for declared pre-existing diseases, subject to policy terms. |
| Modern Treatment |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
Reassure Covered up to Sum Insured. Most robotic surgeries have a ₹1 lakh limit, except robotic radical prostatectomy, cardiac, partial nephrectomy and cancer surgeries. The optional Modern Treatment+ add-on removes the ₹1 lakh limit. |
| Annual Health Checkup |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
Reassure Available from day one, once per policy year. Benefit value is ₹500 per ₹1 lakh of Sum Insured, up to ₹5,000 per insured individual or ₹10,000 per Family Floater policy. Cashless only. |
| Pre-Hospitalisation |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
Reassure Covered for up to 60 days, up to Sum Insured, on a reimbursement basis. |
| Post-Hospitalisation |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
Reassure Covered for up to 180 days, up to Sum Insured, on a reimbursement basis. |
| Outpatient Department Cover (OPD Expense) |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
Reassure OPD treatment is not covered under the base plan. |
| Deductible Option |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
Reassure No deductible option is listed in the base product benefit table. |
| Coverage Options |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
Reassure Base Sum Insured options are ₹3 lakh, ₹4 lakh, ₹5 lakh, ₹7.5 lakh, ₹10 lakh, ₹12.5 lakh, ₹15 lakh, ₹20 lakh, ₹25 lakh, ₹50 lakh, ₹75 lakh and ₹1 crore. Available on Individual or Family Floater basis, covering up to 2 adults and 4 children. |
| Claim Settlement Ratio |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
Reassure 96.8% of claims settled by number in FY 2025-26 for the ReAssure product line, which includes ReAssure, ReAssure 2.0 and ReAssure 3.0 UINs in the insurer's disclosure. Company-level figure reported in the annual report: 94.4%. |
| Maternity Cover |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
Reassure Maternity expenses are excluded under the base plan. |
Insurance Plans Comparison
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