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Insurance Plans Comparison

Niva Bupa Reassure 3.0 Elite vs ManipalCigna ProHealth Prime Active

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 Elite

Reassure 3.0 Elite

What Makes It Special:

Reassure 3.0 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
ManipalCigna

ProHealth Prime Active

ProHealth Prime Active

What Makes It Special:

ProHealth focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.

Best For:

  • Not available

Insurance Plans Comparison

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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 Elite

Not available

ManipalCigna ProHealth Prime Active

Not available

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Reassure 3.0 Elite
Reassure 3.0 Elite

Health Insurance Plan

Brochure

Policy Wording

VS
ProHealth Prime Active
ProHealth Prime Active

Health Insurance Plan

Policy Wording

Room Rent

Reassure 3.0 Elite

Covers all rooms except Deluxe/Suite at no co-payment; 20% co-payment for Deluxe/Suite.

VS

ProHealth Prime Active

For Sum Insured ₹3 Lakh & ₹5 Lakh: 1% of Sum Insured per day; For Sum Insured ≥ ₹7.5 Lakh: Single Private AC Room

Up to Sum Insured

ICU Charges

Reassure 3.0 Elite

Covered as part of hospitalisation expenses up to SI.

VS

ProHealth Prime Active

Information Unavailable

Advanced Treatments

Reassure 3.0 Elite

Information Unavailable

VS

ProHealth Prime Active

Modern & Advanced Treatments covered

Co-payment

Reassure 3.0 Elite

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

VS

ProHealth Prime Active

10% co-payment per claim

Disease-wise sublimits

Reassure 3.0 Elite

No disease-wise sub-limits; no ₹1L cap on modern treatments.

VS

ProHealth Prime Active

Information Unavailable

Waiting Period

Reassure 3.0 Elite

Information Unavailable

VS

ProHealth Prime Active

30 days

90 days for Diabetes, Hypertension, Asthma, Dyslipidaemia and Obesity; 24 months for all other pre-existing conditions

24 months

Cashless Healthcare Providers

Reassure 3.0 Elite

Niva Bupa network hospitals subject to authorisation.

VS

ProHealth Prime Active

Not mentioned — verify from policy wordings

Restoration Benefit

Reassure 3.0 Elite

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

VS

ProHealth Prime Active

Information Unavailable

Cumulative Bonus

Reassure 3.0 Elite

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

VS

ProHealth Prime Active

Information Unavailable

Daycare Treatment

Reassure 3.0 Elite

Covered for ≥2 hours hospitalisations per policy terms

VS

ProHealth Prime Active

Covered up to Sum Insured

Consumable Cover

Reassure 3.0 Elite

Claim Safeguard+ available as optional (add-on) benefit for non-payable items.

VS

ProHealth Prime Active

Information Unavailable

AYUSH Treatment

Reassure 3.0 Elite

Covered for ≥24 hours AYUSH hospitalisation up to SI.

VS

ProHealth Prime Active

Covered up to Sum Insured

Initial Waiting Period

Reassure 3.0 Elite

30 days (except accidents).

VS

ProHealth Prime Active

Information Unavailable

Specific Waiting Period

Reassure 3.0 Elite

24 months standard with modifiable options.

VS

ProHealth Prime Active

Information Unavailable

PED Waiting Period

Reassure 3.0 Elite

36 months standard with reduction option available.

VS

ProHealth Prime Active

Information Unavailable

Modern Treatment

Reassure 3.0 Elite

Modern treatments covered up to sum insured (no capping like Classic/Select).

VS

ProHealth Prime Active

Information Unavailable

Annual Health Checkup

Reassure 3.0 Elite

Available from Day 1 on cashless basis; Elite has broader defined package.

VS

ProHealth Prime Active

Information Unavailable

Pre-Hospitalisation

Reassure 3.0 Elite

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

VS

ProHealth Prime Active

Information Unavailable

Post-Hospitalisation

Reassure 3.0 Elite

Covered for 180 days after discharge for eligible expenses.

VS

ProHealth Prime Active

Information Unavailable

Outpatient Department Cover (OPD Expense)

Reassure 3.0 Elite

Not in base; Wellconsult+ available with wellness benefits.

VS

ProHealth Prime Active

Information Unavailable

Deductible Option

Reassure 3.0 Elite

Annual Aggregate Deductible available as optional feature

VS

ProHealth Prime Active

Information Unavailable

Coverage Options

Reassure 3.0 Elite

₹5L, ₹10L, Unlimited SI.

VS

ProHealth Prime Active

Information Unavailable

Claim Settlement Ratio

Reassure 3.0 Elite

Not stated for ReAssure 3.0 Elite variant.

VS

ProHealth Prime Active

Information Unavailable

Maternity Cover

Reassure 3.0 Elite

Not in standard Elite base benefit.

VS

ProHealth Prime Active

Information Unavailable

Insurance Plans Comparison

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Free Expert Consultation

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Talk to experienced advisors at no cost, and make confident decisions

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24/7 Claim Assistance

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

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Expert-Led Policy Review

  • 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

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

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.

1-5 of 10 FAQs

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