How does OneAssure help me compare health insurance policies and choose the best plan?

OneAssure allows you to compare multiple health insurance policies side by side, analyzing coverage, premiums, hospital networks, and benefits to choose the most suitable plan for your needs.

What is the difference between cashless and reimbursement claims in health insurance policies?

Cashless claims let you get treatment at network hospitals without paying upfront, while reimbursement claims require you to pay first and get refunded later.

Does OneAssure provide expert guidance while selecting health insurance with maternity or newborn coverage?

Yes, OneAssure’s insurance experts guide you in selecting plans with maternity benefits, newborn cover, and short waiting periods for family planning needs.

How do co-payment clauses impact health insurance premiums and claim settlements?

Co-payment means you share a part of the claim cost. Opting for co-pay lowers your premium but increases your out-of-pocket expenses.

Which health insurance plan offers the best coverage for critical illnesses and pre-existing diseases?

Plans with comprehensive coverage, minimal waiting periods, and optional critical illness riders are ideal. OneAssure helps identify policies that best meet these requirements.

Can I compare waiting periods and sub-limits for hospitalisation expenses on OneAssure?

Yes, OneAssure’s comparison tool highlights waiting periods, sub-limits, and exclusions so you can choose a policy that maximizes benefits and minimizes restrictions.

What are room rent limits in health insurance, and how do they affect claims?

Room rent limits cap the daily room cost covered by your insurer. Choosing a plan without strict limits ensures higher claim payouts.

Does OneAssure assist with health insurance claims and renewals after I purchase a policy?

Absolutely. OneAssure provides end-to-end support for claims, renewals, and queries, ensuring a hassle-free experience throughout your policy tenure.

How can I check if a health insurance plan covers daycare procedures and modern treatments?

OneAssure’s policy comparison clearly lists daycare and advanced treatment coverage, helping you pick a plan aligned with your healthcare needs.

What documents are needed to buy and claim a health insurance policy online via OneAssure?

To buy a policy, you need ID proof, address proof, and medical details. For claims, hospital bills, prescriptions, and discharge summaries are required.

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Reassure 2.0 Gold Vs Health Companion Family First Plan

Insurance Plans Comparison

Niva Bupa Reassure 2.0 Gold 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 coverage, benefits, and premiums to find the perfect plan for your needs.

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

Reassure 2.0 Gold

Carry forward unused cover up to 10X and get your Base Sum Insured reinstated unlimited times after your first paid claim.

What Makes It Special:

ReAssure 2.0 Gold is a health insurance variant from Niva Bupa that combines Booster+ 10X carry-forward of unused cover, ReAssureX unlimited reinstatement and no room rent limit. It also offers eligible hospitalisation cover for stays of 2 hours or more, annual health check-ups from Day 1 and unlimited e-consultations with...

Best For:

Customers who want to explore optional co-payment, deductible or room-type choices to manage costs.
Buyers who value the carry-forward of unused Base Sum Insured.
People who want the flexibility to choose any room without a standard room rent cap.
Families looking for a floater policy with unlimited reinstatement of cover.
Buyers who want Booster+ 10X without the Lock the Clock feature.

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

Niva Bupa Reassure 2.0 Gold

Lock the Clock is not included in Gold, and the premium may change at renewal according to the applicable pricing terms.
Consumables and specified non-payable items require the optional Safeguard or Safeguard+ benefit.
Maternity expenses and routine OPD expenses are not covered under the base plan.
Listed conditions and procedures have a 24-month waiting period.
The standard pre-existing disease waiting period is 36 months, with optional reductions to 1 or 2 years at additional premium.
Annual health check-ups are available from Day 1, and unlimited e-consultations with network partners are included.
Eligible hospitalisation of 2 hours or more is covered.
Booster+ 10X carries forward unused Base Sum Insured into subsequent policy years.
ReAssureX provides unlimited reinstatements after the first paid claim, with each claim under the benefit covered up to the Base Sum Insured.
No standard room rent cap, with ICU expenses covered up to the Sum Insured.

Niva Bupa Health Companion Family First Plan

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 Gold

Health Insurance Plan

Brochure

Policy Wording

Health Companion Family First Plan

Health Insurance Plan

Brochure

Room Rent
Reassure 2.0 Gold No room rent limit under the standard Gold variant. Optional Room Type Modification may allow a single private room or shared room at a lower premium. Choosing a room above the selected room category may lead to proportionate deductions.	Health Companion Family First Plan Normal: Covered up to sum insured ICU: Covered up to sum insured.

ICU Charges
Reassure 2.0 Gold Covered up to the Sum Insured, with no separate ICU cap stated. If Room Type Modification is selected, ICU expenses are covered up to the Base Sum Insured.	Health Companion Family First Plan Covered up to the sum insured as part of in-patient care

Advanced Treatments
Reassure 2.0 Gold Information Unavailable	Health Companion Family First Plan Robotic surgeries Stem cell therapy Oral chemotherapy Deep brain stimulation Bronchial thermoplasty Intraoperative neuro monitoring (IONM).

Co-payment
Reassure 2.0 Gold No mandatory co-payment applies under the base plan. Optional voluntary co-payment options are 20%, 30%, 40% or 50%. The optional Tiered Network benefit offers a 15% premium discount and applies a 20% co-payment when treatment is taken at a non-tiered network hospital.	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 Gold No general disease-wise sublimits are stated in the reviewed policy wording. Specific benefit limits apply, including air ambulance cover up to ₹2,50,000 per hospitalisation and the monofocal cataract lens restriction for Sum Insured up to ₹10 lakh.	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 Gold Cashless treatment is available at Niva Bupa network hospitals. The reviewed single-sheeter cites approximately 10,000+ network hospitals. Cashless Everywhere is also offered at non-network hospitals, subject to the insurer's process. The brochure mentions a 30-minute cashless pre-authorisation commitment.	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 Gold ReAssureX, also referred to as ReAssure Forever, is triggered by the first paid claim in the life of the policy. It provides unlimited reinstatements, with each claim under the benefit covered up to the Base Sum Insured. It remains available for life if the policy is renewed without a break. Lock the Clock is not included in the Gold variant.	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 2.0 Gold Booster+ 10X carries forward unused Base Sum Insured into the next policy year, up to 10 times the Base Sum Insured. The accumulated amount may be reduced proportionately if the Base Sum Insured is reduced.	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 2.0 Gold Covered up to the Sum Insured. Hospitalisation of 2 hours or more qualifies, subject to policy terms. AYUSH treatment requires a minimum admission of 24 hours.	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 2.0 Gold Consumables and non-payable items are not covered under the base plan. Optional Safeguard covers specified List I items, while Safeguard+ covers specified items under Lists I to IV.	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 2.0 Gold Eligible in-patient AYUSH treatment is covered up to the Sum Insured for admissions of at least 24 hours in an AYUSH hospital. Yoga and Naturopathy claims require prior approval.	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 2.0 Gold 30 days. Accidents are covered from Day 1, subject to policy terms.	Health Companion Family First Plan 30 days, except accidents

Specific Waiting Period
Reassure 2.0 Gold 24 months for listed conditions and procedures. The waiting period does not apply to accidents. Cancer is covered after the initial 30-day waiting period, subject to policy terms.	Health Companion Family First Plan 24 months for listed conditions

PED Waiting Period
Reassure 2.0 Gold 36 months of continuous coverage for pre-existing diseases. Optional PED Waiting Time Modification can reduce this to 1 or 2 years at additional premium.	Health Companion Family First Plan 36 months.

Modern Treatment
Reassure 2.0 Gold Covered up to the Sum Insured for 12 listed procedures, including robotic surgery, oral chemotherapy, stem cell therapy, deep brain stimulation and intravitreal injections. For Sum Insured up to ₹10 lakh, cataract cover is limited to a monofocal lens, subject to policy terms.	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 Gold Available from Day 1, once every policy year. The benefit is ₹500 per ₹1 lakh of Base Sum Insured, capped at ₹5,000 per insured individual or ₹10,000 per floater policy. Cashless only, booked through the Niva Bupa app, subject to policy terms.	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 Gold Eligible pre-hospitalisation expenses are covered for up to 60 days, up to the Sum Insured.	Health Companion Family First Plan 60 days before admission, up to the sum insured

Post-Hospitalisation
Reassure 2.0 Gold Eligible post-hospitalisation expenses are covered for up to 180 days, up to the Sum Insured.	Health Companion Family First Plan 180 days after discharge, up to the sum insured

Outpatient Department Cover (OPD Expense)
Reassure 2.0 Gold Routine OPD expenses are not covered under the base plan. Unlimited e-consultations with network partners are included.	Health Companion Family First Plan Not covered. OPD treatment is an excluded expense.

Deductible Option
Reassure 2.0 Gold The prospectus lists an optional annual aggregate deductible of ₹10,000, ₹20,000, ₹30,000, ₹50,000 or ₹1,00,000 for the Bronze/Silver/Gold group. The Gold single-sheeter does not list this benefit, so availability for the Gold variant and sales channel requires confirmation.	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 Gold Base Sum Insured options listed in the reviewed single-sheeter are ₹5 lakh, ₹7.5 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh, ₹25 lakh, ₹50 lakh and ₹1 crore. Individual cover for up to 6 members or family floater options are listed, with 1-year, 2-year and 3-year policy terms. Confirm the ₹7.5 lakh option against the insurer's latest schedule before publication.	Health Companion Family First Plan Individual or floater, with optional hospital cash, personal accident and deductible

Claim Settlement Ratio
Reassure 2.0 Gold 96.8% of claims settled by number in FY 2025-26 for the combined ReAssure product line. The insurer's disclosure groups ReAssure, ReAssure 2.0 and ReAssure 3.0 UINs together, so this is not a Gold-specific ratio. Niva Bupa's company-level figure was 94.4% for FY 2025-26.	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 Gold Maternity expenses are excluded under the standard policy terms. Ectopic pregnancy is treated separately in the exclusion wording.	Health Companion Family First Plan Not covered. Maternity expenses are an excluded expense.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Reassure 2.0 Gold

Health Insurance Plan

Brochure

Policy Wording

Health Companion Family First Plan

Health Insurance Plan

Brochure

Room Rent
Reassure 2.0 Gold No room rent limit under the standard Gold variant. Optional Room Type Modification may allow a single private room or shared room at a lower premium. Choosing a room above the selected room category may lead to proportionate deductions.
VS VS
Health Companion Family First Plan Normal: Covered up to sum insured ICU: Covered up to sum insured.

ICU Charges
Reassure 2.0 Gold Covered up to the Sum Insured, with no separate ICU cap stated. If Room Type Modification is selected, ICU expenses are covered up to the Base Sum Insured.
VS VS
Health Companion Family First Plan Covered up to the sum insured as part of in-patient care

Advanced Treatments
Reassure 2.0 Gold Information Unavailable
VS VS
Health Companion Family First Plan Robotic surgeries Stem cell therapy Oral chemotherapy Deep brain stimulation Bronchial thermoplasty Intraoperative neuro monitoring (IONM).

Co-payment
Reassure 2.0 Gold No mandatory co-payment applies under the base plan. Optional voluntary co-payment options are 20%, 30%, 40% or 50%. The optional Tiered Network benefit offers a 15% premium discount and applies a 20% co-payment when treatment is taken at a non-tiered network hospital.
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 Gold No general disease-wise sublimits are stated in the reviewed policy wording. Specific benefit limits apply, including air ambulance cover up to ₹2,50,000 per hospitalisation and the monofocal cataract lens restriction for Sum Insured up to ₹10 lakh.
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 Gold Cashless treatment is available at Niva Bupa network hospitals. The reviewed single-sheeter cites approximately 10,000+ network hospitals. Cashless Everywhere is also offered at non-network hospitals, subject to the insurer's process. The brochure mentions a 30-minute cashless pre-authorisation commitment.
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 Gold ReAssureX, also referred to as ReAssure Forever, is triggered by the first paid claim in the life of the policy. It provides unlimited reinstatements, with each claim under the benefit covered up to the Base Sum Insured. It remains available for life if the policy is renewed without a break. Lock the Clock is not included in the Gold variant.
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 2.0 Gold Booster+ 10X carries forward unused Base Sum Insured into the next policy year, up to 10 times the Base Sum Insured. The accumulated amount may be reduced proportionately if the Base Sum Insured is reduced.
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 2.0 Gold Covered up to the Sum Insured. Hospitalisation of 2 hours or more qualifies, subject to policy terms. AYUSH treatment requires a minimum admission of 24 hours.
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 2.0 Gold Consumables and non-payable items are not covered under the base plan. Optional Safeguard covers specified List I items, while Safeguard+ covers specified items under Lists I to IV.
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 2.0 Gold Eligible in-patient AYUSH treatment is covered up to the Sum Insured for admissions of at least 24 hours in an AYUSH hospital. Yoga and Naturopathy claims require prior approval.
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 2.0 Gold 30 days. Accidents are covered from Day 1, subject to policy terms.
VS VS
Health Companion Family First Plan 30 days, except accidents

Specific Waiting Period
Reassure 2.0 Gold 24 months for listed conditions and procedures. The waiting period does not apply to accidents. Cancer is covered after the initial 30-day waiting period, subject to policy terms.
VS VS
Health Companion Family First Plan 24 months for listed conditions

PED Waiting Period
Reassure 2.0 Gold 36 months of continuous coverage for pre-existing diseases. Optional PED Waiting Time Modification can reduce this to 1 or 2 years at additional premium.
VS VS
Health Companion Family First Plan 36 months.

Modern Treatment
Reassure 2.0 Gold Covered up to the Sum Insured for 12 listed procedures, including robotic surgery, oral chemotherapy, stem cell therapy, deep brain stimulation and intravitreal injections. For Sum Insured up to ₹10 lakh, cataract cover is limited to a monofocal lens, subject to policy terms.
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 Gold Available from Day 1, once every policy year. The benefit is ₹500 per ₹1 lakh of Base Sum Insured, capped at ₹5,000 per insured individual or ₹10,000 per floater policy. Cashless only, booked through the Niva Bupa app, subject to policy terms.
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 Gold Eligible pre-hospitalisation expenses are covered for up to 60 days, up to the Sum Insured.
VS VS
Health Companion Family First Plan 60 days before admission, up to the sum insured

Post-Hospitalisation
Reassure 2.0 Gold Eligible post-hospitalisation expenses are covered for up to 180 days, up to the Sum Insured.
VS VS
Health Companion Family First Plan 180 days after discharge, up to the sum insured

Outpatient Department Cover (OPD Expense)
Reassure 2.0 Gold Routine OPD expenses are not covered under the base plan. Unlimited e-consultations with network partners are included.
VS VS
Health Companion Family First Plan Not covered. OPD treatment is an excluded expense.

Deductible Option
Reassure 2.0 Gold The prospectus lists an optional annual aggregate deductible of ₹10,000, ₹20,000, ₹30,000, ₹50,000 or ₹1,00,000 for the Bronze/Silver/Gold group. The Gold single-sheeter does not list this benefit, so availability for the Gold variant and sales channel requires confirmation.
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 Gold Base Sum Insured options listed in the reviewed single-sheeter are ₹5 lakh, ₹7.5 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh, ₹25 lakh, ₹50 lakh and ₹1 crore. Individual cover for up to 6 members or family floater options are listed, with 1-year, 2-year and 3-year policy terms. Confirm the ₹7.5 lakh option against the insurer's latest schedule before publication.
VS VS
Health Companion Family First Plan Individual or floater, with optional hospital cash, personal accident and deductible

Claim Settlement Ratio
Reassure 2.0 Gold 96.8% of claims settled by number in FY 2025-26 for the combined ReAssure product line. The insurer's disclosure groups ReAssure, ReAssure 2.0 and ReAssure 3.0 UINs together, so this is not a Gold-specific ratio. Niva Bupa's company-level figure was 94.4% for FY 2025-26.
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 Gold Maternity expenses are excluded under the standard policy terms. Ectopic pregnancy is treated separately in the exclusion wording.
VS VS
Health Companion Family First Plan Not covered. Maternity expenses are an excluded expense.

Insurance Plans Comparison

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Covers delivery, newborn care, and maternity expenses
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Reassure 2.0 Gold vs Complete Health Insurance Health Shield Plus Plan

Reassure 2.0 Gold vs myHealth Suraksha Platinum

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Reassure 2.0 Gold vs LifeTime Health

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Health Companion Family First Plan vs Supreme Senior Premium

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Health Companion Family First Plan vs Health Companion Variant 2022

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Health Companion Family First Plan vs Complete Health Insurance Health Shield Plus Plan

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Health Companion Family First Plan vs Active Fit Preferred

Health Companion Family First Plan vs LifeTime Health

Health Companion Family First Plan vs Medicare

Health Companion Family First Plan vs ProHealth Prime Active

Health Companion Family First Plan vs ProHealth Prime Senior Elite

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Health Companion Family First Plan vs Reassure 2.0 Bronze+

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Health Companion Family First Plan vs Optima Secure Global Plus

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