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Insurance Plans Comparison

Niva Bupa GoActive vs Niva Bupa Reassure 3.0 Black

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

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Niva Bupa

GoActive

Cover doctor visits and hospital stays together, refill the base sum insured, and get 90 days of pre-hospitalisation cover plus 180 days after discharge.

What Makes It Special:

GoActive combines in-patient cover with OPD consultations, a personal health coach and an annual health check-up. It has a refill benefit, an optional sum insured escalator, and a renewal discount for buyers who start young.

Best For:

  • Buyers who do not need maternity cover

  • Buyers who want the sum insured to grow over time through I-Protect

  • Buyers who want a health coach and an annual check-up

  • Families who visit doctors often and want OPD reimbursement

  • Younger, active buyers who want the 10% early-age discount and a renewal discount for healthy habits

VS
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.

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

  • Zone 2 adds a 20% co-payment in four cities, so choose Zone 1 unless you know you will not be treated there.

  • The 1% room rent cap applies to the lower sum insured options, so pick ₹5 lakh or above if you want room choice.

  • The 36-month PED waiting period is long, so buy early if anyone has an existing condition.

  • Maternity is excluded, so choose another plan if you plan to start a family.

  • Check the OPD limit for your sum insured and number of adults, since the limit is shared across the family.

  • 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.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

GoActive
GoActive

Health Insurance Plan

VS
Reassure 3.0 Black
Reassure 3.0 Black

Health Insurance Plan

Room Rent

GoActive

Normal:

For Sum Insured below ₹5 Lakhs: 1% of Base Sum Insured per day

For Sum Insured ₹5 Lakhs and above: No room rent restriction (except Suite Room and above)

ICU:

For Sum Insured below ₹5 Lakhs: 2% of Base Sum Insured per day

For Sum Insured ₹5 Lakhs and above: Covered up to Sum Insured

VS

Reassure 3.0 Black

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

Advanced Treatments

GoActive

Covered up to Sum Insured

VS

Reassure 3.0 Black

Information Unavailable

ICU Charges

GoActive

Up to 2% of base sum insured per day for the ₹1 lakh to ₹4 lakh options. Covered up to the sum insured for ₹5 lakh and above. Confirm the split on the policy schedule.

VS

Reassure 3.0 Black

Covered as part of hospitalisation expenses up to applicable SI

Co-payment

GoActive

No mandatory age-based co-payment mentioned

VS

Reassure 3.0 Black

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

Disease-wise sublimits

GoActive

No general disease sublimit in the prospectus. Robotic surgery has a ₹1 lakh sub-limit, and OPD, diagnostics and some optional covers have their own limits.

VS

Reassure 3.0 Black

No general disease-wise sublimit specified

Cashless Healthcare Providers

GoActive

4,200+ Network Hospitals

VS

Reassure 3.0 Black

Available through Niva Bupa network hospitals.

Restoration Benefit

GoActive

Refill benefit: up to 100% of base sum insured in a policy year, for a different illness from one already claimed. It is available on a floater basis and does not carry forward. Maximum liability per claim after refill is the base sum insured plus any I-Protect amount.

VS

Reassure 3.0 Black

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

Daycare Treatment

GoActive

Covered up to Sum Insured

VS

Reassure 3.0 Black

Eligible Day Care Treatments covered under hospitalisation benefit.

Cumulative Bonus

GoActive

Not offered. The optional I-Protect adds 10% of base sum insured every renewal year.

VS

Reassure 3.0 Black

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

AYUSH Treatment

GoActive

Covered up to Sum Insured

VS

Reassure 3.0 Black

Covers AYUSH hospitalisation up to applicable SI

Consumable Cover

GoActive

Medicines, drugs, consumables, IV fluids, blood, injection charges and OT charges are covered within in-patient care. Items in Annexure A (for example baby food, belts, gloves, diapers and Vasofix) are not payable.

VS

Reassure 3.0 Black

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

Initial Waiting Period

GoActive

30 days from policy start. Waived after 12 months of continuous coverage. Accidents are covered from day 1.

VS

Reassure 3.0 Black

30 days (standard terms apply).

Specific Waiting Period

GoActive

24 months for listed conditions and procedures. Cancer is covered after 30 days.

VS

Reassure 3.0 Black

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

PED Waiting Period

GoActive

36 months

VS

Reassure 3.0 Black

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

Modern Treatment

GoActive

Covered up to the sum insured, covering uterine artery embolisation, HIFU, deep brain stimulation, oral chemotherapy, immunotherapy, intravitreal injections, robotic surgery, stereotactic radiosurgery, and other listed treatments. Robotic surgeries have a ₹1 lakh sub-limit, except robotic prostatectomy for cancer, robotic cardiac surgery, robotic partial nephrectomy, and robotic surgery for malignancies.

VS

Reassure 3.0 Black

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

Annual Health Checkup

GoActive

Covered for insured persons aged 18 and over, booked through the Niva Bupa app or website. Not available on the ₹1 lakh and ₹2 lakh options. Unused check-ups do not carry forward.

VS

Reassure 3.0 Black

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

Pre-Hospitalisation

GoActive

Up to 90 days before admission, within the sum insured

VS

Reassure 3.0 Black

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

Post-Hospitalisation

GoActive

Up to 180 days after discharge, within the sum insured

VS

Reassure 3.0 Black

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

Outpatient Department Cover (OPD Expense)

GoActive

Covered. Number of consultations per policy year depends on the sum insured and the number of adults. Reimbursement is up to ₹600 per consultation in Zone 1 and ₹500 in Zone 2. The limit is shared by all members.

VS

Reassure 3.0 Black

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

Deductible Option

GoActive

Optional annual aggregate deductible of ₹25,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹5 lakh or ₹10 lakh. It does not apply to health check-ups, second opinions, OPD, behavioural assistance or personal accident.

VS

Reassure 3.0 Black

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

Coverage Options

GoActive

Information Unavailable

VS

Reassure 3.0 Black

₹5L, ₹10L, Unlimited SI.

Claim Settlement Ratio

GoActive

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).

VS

Reassure 3.0 Black

80%

Maternity Cover

GoActive

Not offered. Maternity and related childbirth expenses are excluded.

VS

Reassure 3.0 Black

Not in standard Black variant benefits.

Insurance Plans Comparison

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Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

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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

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