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Insurance Plans Comparison

Niva Bupa Reassure 3.0 Black vs ManipalCigna Sarvah Pratham

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
ManipalCigna

Sarvah Pratham

Comprehensive health insurance with high sum insured options and flexible add-on benefits

What Makes It Special:

Comprehensive Health Insurance

Best For:

  • 1. Individuals who prefer flexible deductible and voluntary co-payment options.

  • Customers looking for optional benefits such as Restoration, Gullak and Sarathi.

  • People who want benefits such as AYUSH treatment and pre- and post-hospitalisation coverage.

  • Customers looking for coverage options ranging from ₹5 lakh to ₹3 crore.

  • Individuals and families looking for high sum insured options, broad hospitalisation coverage and optional benefits such as unlimited restoration and guaranteed cumulative bonus

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 Black

  • 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.

ManipalCigna Sarvah Pratham

  • Check the available benefits, limits and optional covers carefully before choosing the plan to make sure they match your healthcare needs.

  • Consider Sarvah Pratham if you prefer flexibility through deductible and voluntary co-payment options.

  • This plan may be suitable if you want the option to add benefits such as Restoration, Gullak and Sarathi.

  • Consider this plan if you want hospitalisation coverage along with AYUSH treatment and pre- and post-hospitalisation benefits.

  • Consider Sarvah Pratham if you want coverage from ₹5 lakh to ₹3 crore with single private AC room coverage, AYUSH treatment, pre- and post-hospitalisation coverage, and the option to add benefits such as Restoration, Gullak and Sarathi. The plan also offers flexible deductible and voluntary co-payment options.

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

Brochure

Policy Wording

VS
Sarvah Pratham
Sarvah Pratham

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Reassure 3.0 Black

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

VS

Sarvah Pratham

Single Private AC Room under the base policy. ICU expenses are covered up to the Sum Insured.

ICU Charges

Reassure 3.0 Black

Covered as part of hospitalisation expenses up to applicable SI

VS

Sarvah Pratham

Covered up to the Sum Insured.

Co-payment

Reassure 3.0 Black

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

VS

Sarvah Pratham

Optional Voluntary Co-payment of 10%, 20% or 30%. No zonal co-payment applies.

Disease-wise sublimits

Reassure 3.0 Black

No general disease-wise sublimit specified

VS

Sarvah Pratham

Hospitalisation for Heart, Cancer, Stroke and Major Organ/Bone Marrow Transplant is covered up to the applicable Sum Insured. Listed Modern and Advanced Treatments are subject to the specific limits stated in the Policy Schedule.

Cashless Healthcare Providers

Reassure 3.0 Black

Available through Niva Bupa network hospitals.

VS

Sarvah Pratham

15,000+ cashless hospitals/network providers are currently advertised by ManipalCigna. The exact network is subject to change and should be checked through the insurer's locator.

Restoration Benefit

Reassure 3.0 Black

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

VS

Sarvah Pratham

Optional: Unlimited restoration of the Base Sum Insured for related and unrelated illnesses/injuries during the policy year.

Cumulative Bonus

Reassure 3.0 Black

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

VS

Sarvah Pratham

Gullak – Optional: 100% of Base Sum Insured is added every policy year, up to a maximum of 1500% of the Base Sum Insured, irrespective of claims.

Daycare Treatment

Reassure 3.0 Black

Eligible Day Care Treatments covered under hospitalisation benefit.

VS

Sarvah Pratham

Covered up to the Sum Insured for eligible Day Care Treatment related to the specified illnesses.

Consumable Cover

Reassure 3.0 Black

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

VS

Sarvah Pratham

Not included in the base cover. Optional: Coverage for Non-Medical Items and Durable Medical Equipment is available.

AYUSH Treatment

Reassure 3.0 Black

Covers AYUSH hospitalisation up to applicable SI

VS

Sarvah Pratham

Covered up to the Sum Insured for eligible treatment related to the specified illnesses, subject to policy terms.

Initial Waiting Period

Reassure 3.0 Black

30 days (standard terms apply).

VS

Sarvah Pratham

30 days, applicable under the standard waiting-period structure; accident claims are exempt.

Specific Waiting Period

Reassure 3.0 Black

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

VS

Sarvah Pratham

24 months for specified diseases/procedures, when the applicable Pratiksha optional cover is opted for.

PED Waiting Period

Reassure 3.0 Black

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

VS

Sarvah Pratham

36 months under the base policy. Sarathi/Sarathi 2.0 can provide reduction for specified declared and accepted PED-related conditions, subject to its terms.

Modern Treatment

Reassure 3.0 Black

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

VS

Sarvah Pratham

Covered for listed Modern and Advanced Treatments for the specified illnesses, subject to the applicable limits in the Policy Schedule.

Annual Health Checkup

Reassure 3.0 Black

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

VS

Sarvah Pratham

Available as an optional cover.

Pre-Hospitalisation

Reassure 3.0 Black

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

VS

Sarvah Pratham

Covered for 90 days immediately before hospitalisation, subject to the policy terms.

Post-Hospitalisation

Reassure 3.0 Black

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

VS

Sarvah Pratham

Covered for 180 days after discharge, subject to the policy terms.

Outpatient Department Cover (OPD Expense)

Reassure 3.0 Black

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

VS

Sarvah Pratham

Not covered under the base plan.

Deductible Option

Reassure 3.0 Black

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

VS

Sarvah Pratham

Optional Aggregate Deductible: ₹10,000, ₹25,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹4 lakh, ₹5 lakh or ₹10 lakh. Daily Deductible options are also available: ₹1,000, ₹2,000, ₹3,000, ₹4,000 or ₹5,000 per day.

Coverage Options

Reassure 3.0 Black

₹5L, ₹10L, Unlimited SI.

VS

Sarvah Pratham

Base Sum Insured options from ₹5 lakh to ₹3 crore.

Claim Settlement Ratio

Reassure 3.0 Black

80%

VS

Sarvah Pratham

99.88% of claims settled within 3 months in FY 2024–25, based on the latest IRDAI-reported data. This is an insurer-level figure, not a Sarvah Pratham-specific ratio.

Maternity Cover

Reassure 3.0 Black

Not in standard Black variant benefits.

VS

Sarvah Pratham

Not available under Sarvah Pratham.

Insurance Plans Comparison

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What Our Experts Help You With

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Insurance Plans Comparison

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Frequently Asked Questions (FAQs)

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