Insurance Plans Comparison
Niva Bupa Reassure 2.0 Bronze+ vs Niva Bupa Health Companion Family First Plan
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreReassure 2.0 Bronze+
Health insurance with unlimited ReAssure “Forever” cover and a Booster+ benefit that carries forward unused Sum Insured.
What Makes It Special:
Niva Bupa ReAssure 2.0 Bronze is an affordable yet comprehensive health insurance plan offering ₹5 lakh to ₹1 crore coverage for individuals and families. It includes full hospitalisation, ICU charges, pre-/post‑hospitalisation (60/180 days), day‑care, AYUSH, domiciliary care, and modern treatments like robotic surgeries and oral chemotherapy up to sum insured. Key features include...
Best For:
Affordable Comprehensive Health Coverage
Entry-level Family Floater Plan
Restoration-enabled Medical Insurance
Balanced Protection with Essential Benefits
VS
Health Companion Family First Plan
Cover an extended family with a separate sum insured per person and a shared floater after that sum insured is used, and add 20% of each person's base sum insured each claim-free year up to 100%.
What Makes It Special:
Family First is a Health Companion variant. The prospectus describes an individual or family floater with a refill benefit, no-claim bonus, a 60-day pre and 180-day post-hospitalisation cover, and optional hospital cash and personal accident cover.
Best For:
Buyers who do not need maternity or OPD cover
Buyers who need hospitalisation, day care and AYUSH cover
Families with a parent covered alongside the insured
Buyers who want a no-claim bonus that builds to 100%
Families who want a floater with a refill benefit
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
You want affordable coverage with comprehensive benefits
You need restoration of the unused sum insured
You’re looking for essential coverage without extra frills
You expect no co-payment or sub-limits on care
You prefer day-one health check-ups and e-consults
Children are split off to their own policy after 26.
The 20% co-payment applies to higher room categories on Variant 2023, so choose your room carefully.
Refill applies once a year, so it is not unlimited cover.
Maternity is excluded, so choose another plan if you plan a pregnancy.
The 36-month PED wait applies, so buy early if anyone has an existing condition.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Reassure 2.0 Bronze+ Health Insurance Plan VS VS |
Health Companion Family First Plan Health Insurance Plan |
| Room Rent |
|---|
Reassure 2.0 Bronze+ All room categories are covered |
VS VS |
Health Companion Family First Plan
|
| ICU Charges |
|---|
Reassure 2.0 Bronze+ No restriction on ICU room rent |
VS VS |
Health Companion Family First Plan Covered up to the sum insured as part of in-patient care |
| Advanced Treatments |
|---|
Reassure 2.0 Bronze+ Information Unavailable |
VS VS |
Health Companion Family First Plan
|
| Co-payment |
|---|
Reassure 2.0 Bronze+ Not available |
VS VS |
Health Companion Family First Plan The policy does not mandate a co-payment, meaning the insurer covers the full admissible claim amount without requiring the insured to pay a portion. |
| Disease-wise sublimits |
|---|
Reassure 2.0 Bronze+ No |
VS VS |
Health Companion Family First Plan No disease sublimit schedule in the prospectus. Sum insured limits apply to all covered treatment. |
| Cashless Healthcare Providers |
|---|
Reassure 2.0 Bronze+ 10,000+ Healthcare Providers |
VS VS |
Health Companion Family First Plan Access to over 10,000 network hospitals and clinics for cashless treatments, ensuring convenient and hassle-free medical care. |
| Restoration Benefit |
|---|
Reassure 2.0 Bronze+ Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses |
VS VS |
Health Companion Family First Plan Refill: restores up to the base sum insured once per policy year, for the same or a different illness, after the first paid claim |
| Daycare Treatment |
|---|
Reassure 2.0 Bronze+ Daycare Treatment covers medical procedures that require less than 24 hours of hospitalisation due to advanced technology |
VS VS |
Health Companion Family First Plan Covers medical procedures that require less than 24-hour hospitalization, such as cataract surgery and chemotherapy, accommodating treatments that don't necessitate extended hospital stays. |
| Cumulative Bonus |
|---|
Reassure 2.0 Bronze+ Your sum insured increases by 100% every year, maximum up to 300% |
VS VS |
Health Companion Family First Plan No claim bonus of 20% of the expiring base sum insured for each claim-free year, up to 100% of the base sum insured. A claim does not reduce the bonus. |
| AYUSH Treatment |
|---|
Reassure 2.0 Bronze+ Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Health Companion Family First Plan Expenses for alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered when availed at government-recognized institutions, promoting holistic healthcare options. |
| Consumable Cover |
|---|
Reassure 2.0 Bronze+ No. However, available as an add-on |
VS VS |
Health Companion Family First Plan Medicines and consumables prescribed during treatment are covered. Items in Annexure II, such as toiletries, gloves and diapers, are not. |
| Initial Waiting Period |
|---|
Reassure 2.0 Bronze+ 30 days |
VS VS |
Health Companion Family First Plan 30 days, except accidents |
| Specific Waiting Period |
|---|
Reassure 2.0 Bronze+ 2 years |
VS VS |
Health Companion Family First Plan 24 months for listed conditions |
| PED Waiting Period |
|---|
Reassure 2.0 Bronze+ 3 years |
VS VS |
Health Companion Family First Plan 36 months. |
| Modern Treatment |
|---|
Reassure 2.0 Bronze+ Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS VS |
Health Companion Family First Plan Covered up to the sum insured. Includes robotic surgery, stereotactic radiosurgery, deep brain stimulation, oral chemotherapy and other listed treatments. |
| Annual Health Checkup |
|---|
Reassure 2.0 Bronze+ Health check-up is available once every policy year, from day 1 of the policy |
VS VS |
Health Companion Family First Plan Once every policy year from day one, for defined tests. Up to ₹500 per ₹1 lakh of base sum insured. Individual: ₹5,000 maximum per insured. Floater: ₹10,000 per policy. Booked through the app, cashless only. |
| Pre-Hospitalisation |
|---|
Reassure 2.0 Bronze+ You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
VS VS |
Health Companion Family First Plan 60 days before admission, up to the sum insured |
| Post-Hospitalisation |
|---|
Reassure 2.0 Bronze+ You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it |
VS VS |
Health Companion Family First Plan 180 days after discharge, up to the sum insured |
| Outpatient Department Cover (OPD Expense) |
|---|
Reassure 2.0 Bronze+ OPD expense is not included |
VS VS |
Health Companion Family First Plan Not covered. OPD treatment is an excluded expense. |
| Deductible Option |
|---|
Reassure 2.0 Bronze+ Available as an option |
VS VS |
Health Companion Family First Plan Annual aggregate deductible of ₹10,000, ₹20,000, ₹30,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹4 lakh, ₹5 lakh or ₹10 lakh. Does not apply to health checks, animal bite or hospital cash. |
| Coverage Options |
|---|
Reassure 2.0 Bronze+ Available coverage options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L and ₹1 Cr |
VS VS |
Health Companion Family First Plan Individual or floater, with optional hospital cash, personal accident and deductible |
| Claim Settlement Ratio |
|---|
Reassure 2.0 Bronze+ 92.02% |
VS VS |
Health Companion Family First Plan Claim Settlement Ratio (CSR) of 93.3% as a three-year IRDAI weighted average, and 95.6% in recent quarterly company disclosures (Q1 FY 2026-27). |
| Maternity Cover |
|---|
Reassure 2.0 Bronze+ Not available |
VS VS |
Health Companion Family First Plan Not covered. Maternity expenses are an excluded expense. |
Insurance Plans Comparison
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