Insurance Plans Comparison
Niva Bupa Reassure 3.0 Elite 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 3.0 Elite
Health insurance with enhanced modern treatment coverage, broader room eligibility and flexible cost-sharing options.
What Makes It Special:
ReAssure 3.0 Elite offers hospitalisation coverage with unlimited modern treatment coverage and eligibility for all room categories except Deluxe and Suite. The plan includes pre- and post-hospitalisation benefits, AYUSH treatment and ambulance coverage, subject to policy conditions. It also offers configurable co-payment and annual aggregate deductible options. Optional enhancements include...
Best For:
Buyers who value additional wellness benefits and claim-free-year rewards, subject to eligibility.
Individuals interested in optional OPD and specified non-payable expense coverage.
Buyers who prefer flexible co-payment and deductible options.
Individuals seeking coverage for modern treatments, subject to policy conditions.
Buyers who want broader room eligibility than a general-room or twin-sharing restriction.
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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Quick Decision Guide
Optional benefits: Review the costs, limits and conditions of OPD coverage, non-payable expense protection and other add-ons.
Coverage limits: Confirm the sum insured, treatment-specific limits, ambulance benefits and restoration conditions.
Out-of-pocket costs: Compare co-payment percentages and deductible options before selecting the policy.
Waiting periods: Review initial, pre-existing disease and specific-disease waiting periods, including any available modifications.
Room eligibility: Check the exclusion of Deluxe and Suite rooms and understand the consequences of choosing a room outside the permitted category.
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 3.0 Elite Health Insurance Plan VS VS |
Health Companion Family First Plan Health Insurance Plan |
| Room Rent |
|---|
Reassure 3.0 Elite Covers all rooms except Deluxe/Suite at no co-payment; 20% co-payment for Deluxe/Suite. |
VS VS |
Health Companion Family First Plan
|
| ICU Charges |
|---|
Reassure 3.0 Elite Covered as part of hospitalisation expenses up to SI. |
VS VS |
Health Companion Family First Plan Covered up to the sum insured as part of in-patient care |
| Advanced Treatments |
|---|
Reassure 3.0 Elite Information Unavailable |
VS VS |
Health Companion Family First Plan
|
| Co-payment |
|---|
Reassure 3.0 Elite Optional: 0%, 20%, 30%, 40%, 50% 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 3.0 Elite No disease-wise sub-limits; no ₹1L cap on modern treatments. |
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 3.0 Elite Niva Bupa network hospitals subject to authorisation. |
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 3.0 Elite ReAssure Forever: Base SI restored after first claim, unlimited times. |
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 |
| Cumulative Bonus |
|---|
Reassure 3.0 Elite Booster+ add on: Accumulates up to 10X base SI carried forward annually. |
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. |
| Daycare Treatment |
|---|
Reassure 3.0 Elite Covered for ≥2 hours hospitalisations per policy terms |
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. |
| Consumable Cover |
|---|
Reassure 3.0 Elite Claim Safeguard+ available as optional (add-on) benefit for non-payable items. |
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. |
| AYUSH Treatment |
|---|
Reassure 3.0 Elite Covered for ≥24 hours AYUSH hospitalisation up to SI. |
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. |
| Initial Waiting Period |
|---|
Reassure 3.0 Elite 30 days (except accidents). |
VS VS |
Health Companion Family First Plan 30 days, except accidents |
| Specific Waiting Period |
|---|
Reassure 3.0 Elite 24 months standard with modifiable options. |
VS VS |
Health Companion Family First Plan 24 months for listed conditions |
| PED Waiting Period |
|---|
Reassure 3.0 Elite 36 months standard with reduction option available. |
VS VS |
Health Companion Family First Plan 36 months. |
| Modern Treatment |
|---|
Reassure 3.0 Elite Modern treatments covered up to sum insured (no capping like Classic/Select). |
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 3.0 Elite Available from Day 1 on cashless basis; Elite has broader defined package. |
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 3.0 Elite Up to 60 days before hospitalisation when related to approved claim. |
VS VS |
Health Companion Family First Plan 60 days before admission, up to the sum insured |
| Post-Hospitalisation |
|---|
Reassure 3.0 Elite Covered for 180 days after discharge for eligible expenses. |
VS VS |
Health Companion Family First Plan 180 days after discharge, up to the sum insured |
| Outpatient Department Cover (OPD Expense) |
|---|
Reassure 3.0 Elite Not in base; Wellconsult+ available with wellness benefits. |
VS VS |
Health Companion Family First Plan Not covered. OPD treatment is an excluded expense. |
| Deductible Option |
|---|
Reassure 3.0 Elite Annual Aggregate Deductible available as optional feature |
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 3.0 Elite ₹5L, ₹10L, Unlimited SI. |
VS VS |
Health Companion Family First Plan Individual or floater, with optional hospital cash, personal accident and deductible |
| Claim Settlement Ratio |
|---|
Reassure 3.0 Elite Not stated for ReAssure 3.0 Elite variant. |
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 3.0 Elite Not in standard Elite base benefit. |
VS VS |
Health Companion Family First Plan Not covered. Maternity expenses are an excluded expense. |
Insurance Plans Comparison
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