Oneassure

Partner with us

Insurance Plans Comparison

Niva Bupa Reassure 2.0 Bronze+ vs Niva Bupa Health Companion Variant 2

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

Read more
Niva Bupa

Reassure 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
Niva Bupa

Health Companion Variant 2

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 ₹5,000 with an annual health check-up.

What Makes It Special:

Health Companion Variant 2 is a Niva Bupa floater covering hospitalisation, day care, AYUSH and domiciliary treatment, with a refill benefit, no-claim bonus and 2- or 3-year term discounts. 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 plan to pay for two or three years to get term discounts

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

  • Families who want a floater with a refill benefit

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 Reassure 2.0 Bronze+

  • 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

Niva Bupa Health Companion Variant 2

  • The refill applies only once a policy year.

  • The 20% co-payment for higher room categories applies on Variant 2023.

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

  • Term discounts do not apply if premium is paid monthly, half-yearly or quarterly.

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

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Reassure 2.0 Bronze+
Reassure 2.0 Bronze+

Health Insurance Plan

Brochure

Policy Wording

VS
Health Companion Variant 2
Health Companion Variant 2

Health Insurance Plan

Brochure

Room Rent

Reassure 2.0 Bronze+

All room categories are covered

VS

Health Companion Variant 2

  1. Normal Room: No limit (any single private room covered)
  2. ICU Charges: Fully covered (as per actual hospitalization expenses)
ICU Charges

Reassure 2.0 Bronze+

No restriction on ICU room rent

VS

Health Companion Variant 2

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

Advanced Treatments

Reassure 2.0 Bronze+

Information Unavailable

VS

Health Companion Variant 2

  1. Robotic Surgery Therapy
  2. Bariatric Surgery 
  3. Oral Chemotherapy 
  4. Proton Beam Therapy 
  5. Deep Brain Stimulation 
  6. Implantable Devices 
Co-payment

Reassure 2.0 Bronze+

Not available

VS

Health Companion Variant 2

No mandatory co-payment for most policyholders. However, for individuals aged 65 years and above at the time of entry, a co-payment of 20% applies to each claim.

Disease-wise sublimits

Reassure 2.0 Bronze+

No

VS

Health Companion Variant 2

No disease sublimit schedule in the prospectus

Cashless Healthcare Providers

Reassure 2.0 Bronze+

10,000+ Healthcare Providers

VS

Health Companion Variant 2

10,000+ network hospitals.

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

Health Companion Variant 2

Information Unavailable

Daycare Treatment

Reassure 2.0 Bronze+

Daycare Treatment covers medical procedures that require less than 24 hours of hospitalisation due to advanced technology

VS

Health Companion Variant 2

Covered under the policy. 

Cumulative Bonus

Reassure 2.0 Bronze+

Your sum insured increases by 100% every year, maximum up to 300%

VS

Health Companion Variant 2

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

AYUSH Treatment

Reassure 2.0 Bronze+

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

VS

Health Companion Variant 2

Covered under this policy

Consumable Cover

Reassure 2.0 Bronze+

No. However, available as an add-on

VS

Health Companion Variant 2

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

Initial Waiting Period

Reassure 2.0 Bronze+

30 days

VS

Health Companion Variant 2

30 days, except accidents

Specific Waiting Period

Reassure 2.0 Bronze+

2 years

VS

Health Companion Variant 2

24 months for listed conditions

PED Waiting Period

Reassure 2.0 Bronze+

3 years

VS

Health Companion Variant 2

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

Health Companion Variant 2

Covered up to the sum insured

Annual Health Checkup

Reassure 2.0 Bronze+

Health check-up is available once every policy year, from day 1 of the policy

VS

Health Companion Variant 2

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

Health Companion Variant 2

60 days before admission

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

Health Companion Variant 2

180 days after discharge

Outpatient Department Cover (OPD Expense)

Reassure 2.0 Bronze+

OPD expense is not included

VS

Health Companion Variant 2

Not covered

Deductible Option

Reassure 2.0 Bronze+

Available as an option

VS

Health Companion Variant 2

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

Coverage Options

Reassure 2.0 Bronze+

Available coverage options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L and ₹1 Cr

VS

Health Companion Variant 2

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

Claim Settlement Ratio

Reassure 2.0 Bronze+

92.02%

VS

Health Companion Variant 2

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

Health Companion Variant 2

Not covered

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

Reassure 2.0 Bronze+ vs Supreme Senior Premium

Reassure 2.0 Bronze+ vs Energy Silver Without Copay

Reassure 2.0 Bronze+ vs Ultimate

Reassure 2.0 Bronze+ vs EquiCover

Reassure 2.0 Bronze+ vs Optima Secure Global Plus

Health Companion Variant 2 vs Supreme Senior Premium

Health Companion Variant 2 vs Energy Silver Without Copay

Health Companion Variant 2 vs Ultimate

Health Companion Variant 2 vs EquiCover

Health Companion Variant 2 vs Optima Secure Global Plus

Oneassure

Health Insurance

Compare Health Insurance Plans

Reassure 2.0 Bronze+ Vs Health Companion Variant 2

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.