Oneassure

Partner with us

Insurance Plans Comparison

Niva Bupa Health Companion Variant 1 vs Niva Bupa Reassure 3.0 Elite

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

Read more
Niva Bupa

Health Companion Variant 1

Add 20% of the base sum insured each claim-free year up to 100%, refill the base sum insured once for a different illness, and get animal-bite vaccination up to ₹2,500 with a check-up once every 2 years.

What Makes It Special:

Health Companion Variant 1 is a Niva Bupa floater covering hospitalisation, day care, AYUSH and domiciliary treatment, with a refill benefit and no-claim bonus. Variant-specific terms are not separated in the prospectus.

Best For:

  • Buyers who do not need maternity or OPD cover

  • Buyers who need hospitalisation, day care and AYUSH cover

  • Buyers who want optional daily hospital cash

  • Buyers who want a no-claim bonus that builds to 100%

  • Families who want a floater with a refill benefit

VS
Niva Bupa

Reassure 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.

Insurance Plans Comparison

Get Personalized Advice

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 Health Companion Variant 1

  • Buyers who do not need maternity or OPD cover

  • Hospital cash requires at least 48 hours in hospital.

  • Maternity is not covered, so plan separately if needed.

  • The refill applies only once a policy year.

  • The 36-month PED wait applies, so buy early if you have an existing condition.

Niva Bupa Reassure 3.0 Elite

  • 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.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Companion Variant 1
Health Companion Variant 1

Health Insurance Plan

Brochure

VS
Reassure 3.0 Elite
Reassure 3.0 Elite

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Health Companion Variant 1

  1. Room Rent Limit: No limit on room category, allowing flexibility in choosing any hospital room.
  2. ICU Limit: No capping on ICU charges, ensuring full coverage for intensive care treatments as per the sum insured.
VS

Reassure 3.0 Elite

Covers all rooms except Deluxe/Suite at no co-payment; 20% co-payment for Deluxe/Suite.

Advanced Treatments

Health Companion Variant 1

  1. Robotic and CyberKnife Surgery.
  2. Bariatric Surgery.
  3. Modern Cancer Treatments
  4. Organ Transplant Coverage
VS

Reassure 3.0 Elite

Information Unavailable

ICU Charges

Health Companion Variant 1

Covered up to the sum insured as part of in-patient care

VS

Reassure 3.0 Elite

Covered as part of hospitalisation expenses up to SI.

Co-payment

Health Companion Variant 1

Niva Bupa Health Companion Variant 1 does not have a mandatory co-payment for policyholders below 65 years. However, for individuals aged 65 and above, a 20% co-payment applies to all claims.

VS

Reassure 3.0 Elite

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

Disease-wise sublimits

Health Companion Variant 1

No disease sublimit schedule in the prospectus

VS

Reassure 3.0 Elite

No disease-wise sub-limits; no ₹1L cap on modern treatments.

Cashless Healthcare Providers

Health Companion Variant 1

10,000+ network hospitals.

VS

Reassure 3.0 Elite

Niva Bupa network hospitals subject to authorisation.

Restoration Benefit

Health Companion Variant 1

Information Unavailable

VS

Reassure 3.0 Elite

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

Daycare Treatment

Health Companion Variant 1

Covered under the policy. 

VS

Reassure 3.0 Elite

Covered for ≥2 hours hospitalisations per policy terms

Cumulative Bonus

Health Companion Variant 1

20% of the expiring base sum insured per claim-free year, up to 100%

VS

Reassure 3.0 Elite

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

AYUSH Treatment

Health Companion Variant 1

Covered under this policy

VS

Reassure 3.0 Elite

Covered for ≥24 hours AYUSH hospitalisation up to SI.

Consumable Cover

Health Companion Variant 1

Prescribed medicines and consumables during treatment are covered. Annexure II items are not.

VS

Reassure 3.0 Elite

Claim Safeguard+ available as optional (add-on) benefit for non-payable items.

Initial Waiting Period

Health Companion Variant 1

30 days, except accidents

VS

Reassure 3.0 Elite

30 days (except accidents).

Specific Waiting Period

Health Companion Variant 1

24 months for listed conditions

VS

Reassure 3.0 Elite

24 months standard with modifiable options.

PED Waiting Period

Health Companion Variant 1

36 months

VS

Reassure 3.0 Elite

36 months standard with reduction option available.

Modern Treatment

Health Companion Variant 1

Covered up to the sum insured

VS

Reassure 3.0 Elite

Modern treatments covered up to sum insured (no capping like Classic/Select).

Annual Health Checkup

Health Companion Variant 1

Annual from day one, for defined tests. Up to ₹500 per ₹1 lakh of base sum insured. Cashless only.

VS

Reassure 3.0 Elite

Available from Day 1 on cashless basis; Elite has broader defined package.

Pre-Hospitalisation

Health Companion Variant 1

60 days before admission

VS

Reassure 3.0 Elite

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

Post-Hospitalisation

Health Companion Variant 1

180 days after discharge

VS

Reassure 3.0 Elite

Covered for 180 days after discharge for eligible expenses.

Outpatient Department Cover (OPD Expense)

Health Companion Variant 1

Not covered

VS

Reassure 3.0 Elite

Not in base; Wellconsult+ available with wellness benefits.

Deductible Option

Health Companion Variant 1

Annual aggregate deductible from ₹10,000 to ₹10 lakh

VS

Reassure 3.0 Elite

Annual Aggregate Deductible available as optional feature

Coverage Options

Health Companion Variant 1

Individual or floater, with optional hospital cash, personal accident and deductible

VS

Reassure 3.0 Elite

₹5L, ₹10L, Unlimited SI.

Claim Settlement Ratio

Health Companion Variant 1

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 Elite

Not stated for ReAssure 3.0 Elite variant.

Maternity Cover

Health Companion Variant 1

Not covered

VS

Reassure 3.0 Elite

Not in standard Elite base benefit.

Insurance Plans Comparison

Still Confused? Get Expert Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Why Choose Our Expert Consultation?

End-to-End Support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

Expert-Led Policy Review

  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

Smart, Tech-Enabled Experience

  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

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

Frequently Asked Questions (FAQs)

Having questions? We've got answers. Explore our FAQs to find the information you need.

1-5 of 10 FAQs

Compare With Other Health Insurance Plans

Health Companion Variant 1 vs Supreme Senior Premium

Health Companion Variant 1 vs Energy Silver Without Copay

Health Companion Variant 1 vs Ultimate

Health Companion Variant 1 vs EquiCover

Health Companion Variant 1 vs Optima Secure Global Plus

Reassure 3.0 Elite vs Supreme Senior Premium

Reassure 3.0 Elite vs Energy Silver Without Copay

Reassure 3.0 Elite vs Ultimate

Reassure 3.0 Elite vs EquiCover

Reassure 3.0 Elite vs Optima Secure Global Plus

Oneassure

Health Insurance

Compare Health Insurance Plans

Health Companion Variant 1 Vs Reassure 3.0 Elite

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.