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 3.0 Vs Health Premia Gold

Insurance Plans Comparison

Niva Bupa Reassure 3.0 vs Niva Bupa Health Premia Gold

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 3.0

What Makes It Special:

ReAssure 3.0 is a customisable health insurance plan from Niva Bupa, available in four variants: Classic, Select, Elite and Black. The variants offer Base Sum Insured options of ₹5 lakh, ₹10 lakh or Unlimited. The plan includes hospitalisation cover for stays of 2 hours or more, pre- and post-hospitalisation benefits,...

Best For:

Buyers who want to customise waiting periods, co-payment, deductibles and optional benefits.
Customers who value restoration and carry-forward features, subject to the selected Sum Insured option.
People who want the option of Unlimited Sum Insured.
Families looking for a floater policy covering up to 6 members.
Buyers who want to choose a variant based on room eligibility and budget.

Health Premia Gold

Health Premia Gold offers ₹10-50 Lakh cover with 100% refill, 10% yearly loyalty additions, maternity cover and in-built single-trip travel insurance.

What Makes It Special:

Health Premia Gold is the mid-tier plan of Niva Bupa's Health Premia product. Along with hospitalisation up to Sum Insured (any room except suite), 90/180 days pre/post-hospitalisation and AYUSH cover, it adds LASER surgery cover and an in-built international cover of up to ₹30 Lakh for one trip of up...

Best For:

Extended families (Family First) wanting up to 19 relationships in one policy
Buyers who want a 100% refill plus 10% yearly loyalty additions regardless of claims
People who want LASER surgery and mental health cover included
Frequent-ish travellers who value in-built overseas emergency cover for one trip a year
Families wanting ₹10-50 Lakh cover with maternity and newborn benefits

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.

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Quick Decision Guide

Niva Bupa Reassure 3.0

Classic and Select have room-category limits and a ₹1 lakh per-claim modern treatment limit. Lock the Clock is available only with Elite and Black.
Consumables and specified non-payable items require the optional Claim Safeguard+ benefit.
Maternity expenses are excluded.
Listed specific diseases and procedures have a 24-month waiting period unless modified.
The standard pre-existing disease waiting period is 36 months unless modified through an eligible option.
Waiting periods, co-payment, deductibles and several optional benefits can be customised.
ReAssure Forever provides unlimited reinstatements after the first paid claim when eligible.
Booster+ can carry forward unused Base Sum Insured up to 10 times for the ₹5 lakh and ₹10 lakh options.
Hospitalisation of 2 hours or more is covered, subject to policy terms.
Unlimited Sum Insured is available across all four variants.

Niva Bupa Health Premia Gold

Things to Consider: Domestic OPD cover and Second Medical Opinion are not included in Gold.
Things to Consider: Robotic surgery, some mental disorders and HIV/AIDS have sub-limits; mental illness has a 36-month waiting period.
Things to Consider: Non-payable items (consumables like gloves) need the paid Safeguard add-on.
Things to Consider: Choosing Zone 2 pricing means a 20% co-payment for treatment in Mumbai, Delhi NCR, Kolkata and Gujarat.
Things to Consider: Maternity cover is only for Family Floater / Family First policies and needs 24 months of continuous cover.
Reasons to Consider: In-built international cover (₹30 Lakh, one trip) and LASER surgery cover are included.
Reasons to Consider: PED waiting period is 24 months and specific disease waiting period is just 12 months.
Reasons to Consider: Pre and post-hospitalisation are covered for 90 and 180 days.
Reasons to Consider: A 100% Re-fill of Base Sum Insured is available once a year for any illness.
Reasons to Consider: Loyalty Additions grow your cover by 10% of Base Sum Insured every year (up to 100%), even if you make a claim.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Reassure 3.0

Health Insurance Plan

Brochure

Policy Wording

Health Premia Gold

Health Insurance Plan

Brochure

Policy Wording

Room Rent
Reassure 3.0 General Ward. Select: up to Twin Sharing. Elite: all rooms except Deluxe and Suite. Black: no room-category capping. Choosing a room above the eligible category can result in co-payment on the entire claim, as specified in the policy annexure.	Health Premia Gold Covered up to Sum Insured, any room except Suite or above (all Gold variants incl. Family First). Proportionate deduction applies if a higher room than eligible is taken

ICU Charges
Reassure 3.0 Covered within hospitalisation expenses up to the Sum Insured. No separate ICU sub-limit is stated in the policy wording	Health Premia Gold Covered up to Sum Insured as part of In-patient Care; no separate ICU cap stated

Co-payment
Reassure 3.0 No mandatory co-payment applies under the base plan. Room-category co-payment can apply if the insured chooses a room above the variant's eligibility. Optional voluntary co-payment ranges from 0% to 50%. A 20% co-payment may apply when HeadsUp or Tiered Network conditions are not met.	Health Premia Gold No mandatory co-payment with Zone 1 pricing. With Zone 2 pricing, 20% co-pay applies to treatment in Mumbai (incl. Navi Mumbai & Thane), Delhi NCR, Kolkata and Gujarat. OPD claims under International Coverage have 20% co-pay

Disease-wise sublimits
Reassure 3.0 No general disease-wise sublimits are stated. Classic and Select have a ₹1 lakh per-claim limit for modern treatments. Cataract treatment under these variants is limited to a monofocal lens, subject to policy wording.	Health Premia Gold No sublimits on common conditions like cataract or joint replacement. Sublimits apply to: robotic surgeries (₹1 Lakh, with exceptions), specified mental disorders (₹50,000), HIV/AIDS (₹50,000 per year), LASER surgery (up to ₹50,000), non-network road ambulance (₹2,000 per event)

Restoration Benefit
Reassure 3.0 ReAssure Forever is triggered after the first paid claim and provides unlimited reinstatements, with each claim covered up to the Base Sum Insured. It remains available for life if the policy is renewed without a break. This benefit applies only when Unlimited Sum Insured has not been selected.	Health Premia Gold Re-fill Benefit: up to 100% of Base Sum Insured once per policy year, for the same or a different illness, after the Sum Insured is partly or fully used. Not available under the Family First variant

Cashless Healthcare Providers
Reassure 3.0 Cashless treatment is available at Niva Bupa network hospitals. The insurer also describes a Cashless Everywhere facility for non-network hospitals, subject to its process and applicable terms. Current network hospital count requires verification.	Health Premia Gold Cashless treatment at Niva Bupa network hospitals across India; 10,000+ network hospitals (approximate, per Platinum brochure and Annual Report FY 2024-25; subject to change). Pre-authorisation target of 30 minutes

Cumulative Bonus
Reassure 3.0 Booster+ carries forward unused Base Sum Insured into the next policy year, accumulating up to 10 times the Base Sum Insured. This applies to the ₹5 lakh and ₹10 lakh options. Its treatment with Unlimited Sum Insured requires confirmation	Health Premia Gold Loyalty Additions of 10% of expiring Base Sum Insured every policy year, up to 100%, even if you claim. Optional Enhanced Loyalty Addition: 20% per year, up to 200%

Daycare Treatment
Reassure 3.0 Covered up to the Sum Insured. Hospitalisation of 2 hours or more qualifies, subject to policy terms. AYUSH hospitalisation requires 24 hours or more.	Health Premia Gold All listed day care procedures (Annexure III) covered up to Sum Insured

Consumable Cover
Reassure 3.0 Consumables and non-payable items are not covered under the base plan. Optional Claim Safeguard+ covers specified items listed under Lists I to IV.	Health Premia Gold Allowable consumables paid within hospital bills; IRDAI non-payable items are not covered in the base plan. Covered with the optional Safeguard (List I) or Safeguard+ (Lists I-IV) add-on (Add-on UIN NBHHLIA24109V022324)

AYUSH Treatment
Reassure 3.0 In-patient AYUSH treatment is covered up to the Sum Insured for admissions of 24 hours or more in an AYUSH hospital, subject to policy terms.	Health Premia Gold In-patient Ayurveda, Unani, Siddha and Homeopathy treatment in an AYUSH hospital covered up to Sum Insured, with 90/180 days pre/post-hospitalisation

Initial Waiting Period
Reassure 3.0 30 days, with accidents covered from Day 1. Optional modifications can reduce the initial waiting period to 7, 10 or 15 days.	Health Premia Gold 30 days (not for accidents or renewals)

Specific Waiting Period
Reassure 3.0 24 months for listed diseases and procedures. Accidents are covered from Day 1, and cancer is covered after 30 days, subject to policy terms. An optional modification can change the specific waiting period to 12 or 36 months.	Health Premia Gold 12 months for listed conditions (e.g. cataract, hernia, joint/spine disorders, piles). Accidents covered from day 1; cancer after the 30-day wait. Mental illness and LASER surgery: 36 months. HIV/AIDS: 48 months

PED Waiting Period
Reassure 3.0 36 months for pre-existing diseases. Optional modifications can reduce this to 12 or 24 months. Day 1 PED cover may be available with additional premium loading, subject to underwriting and acceptance.	Health Premia Gold 24 months of continuous cover

Modern Treatment
Reassure 3.0 Classic and Select: up to ₹1 lakh per claim, removable with the optional Modern Treatments+ benefit. Elite and Black: covered up to the Sum Insured. Covers 12 listed modern treatments, including robotic surgery, oral chemotherapy and stem cell therapy	Health Premia Gold Covered up to Sum Insured (12 listed procedures, e.g. robotic surgery, oral chemotherapy, immunotherapy, stem cell therapy). Robotic surgeries capped at ₹1 Lakh, except robotic radical prostatectomy, cardiac, partial nephrectomy and cancer surgeries

Annual Health Checkup
Reassure 3.0 Available as an optional benefit, with Cashless Only or Cashless + Reimbursement options, once per policy year from Day 1. The policy annexure lists variant-wise packages ranging from 7 tests for Classic to 18 tests for Black. Exact package mapping requires confirmation.	Health Premia Gold Annual from Day 1: tests up to ₹2,500 per insured (₹10-20L SI), ₹5,000 (₹30L), ₹7,500 (₹50L). Family First Gold: ₹2,500

Pre-Hospitalisation
Reassure 3.0 Covered for 60 days before hospitalisation, up to the Sum Insured. Optional modifications may change this period to 30, 90 or 180 days.	Health Premia Gold Up to 90 days before admission, covered up to Sum Insured

Post-Hospitalisation
Reassure 3.0 Covered for 180 days after hospital discharge, up to the Sum Insured. Optional modifications may change the period to 30, 60, 90, 270 or 365 days.	Health Premia Gold Up to 180 days after discharge, covered up to Sum Insured

Outpatient Department Cover (OPD Expense)
Reassure 3.0 OPD expenses are not covered under the base plan. Optional WellConsult+ provides an OPD limit linked to 1x to 5x of the base premium, with a 20% co-payment on reimbursement claims. Unlimited e-consultations are included in the base plan.	Health Premia Gold Domestic OPD: Not available under Gold. (OPD abroad is covered only within the in-built International Coverage, with 20% co-pay). Unlimited e-consultations included in all plans

Deductible Option
Reassure 3.0 Optional annual aggregate deductible of ₹10,000, ₹20,000, ₹30,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹4 lakh or ₹5 lakh. The deductible cannot be combined with voluntary co-payment.	Health Premia Gold Not available (the policy wording has no deductible option for Health Premia)

Coverage Options
Reassure 3.0 Base Sum Insured options of ₹5 lakh, ₹10 lakh or Unlimited. Available on an individual, multi-individual or family floater basis, covering up to 6 members. Policy terms range from 1 to 5 years.	Health Premia Gold Individual / Family Floater: ₹10, 15, 20, 30 or 50 Lakh Base Sum Insured. Family First variant: Base Individual SI ₹5-10 Lakh per person with a shared floater layer on top. Policy types: Individual, Family Floater (up to 6 members, max 4 children) and Family First (up to 19 relationships). Entry age: adults 18-65, children 91 days-30 years. 1, 2 or 3-year terms; lifelong renewal

Coverage Options

Reassure 3.0

Base Sum Insured options of ₹5 lakh, ₹10 lakh or Unlimited. Available on an individual, multi-individual or family floater basis, covering up to 6 members. Policy terms range from 1 to 5 years.

Health Premia Gold

Individual / Family Floater: ₹10, 15, 20, 30 or 50 Lakh Base Sum Insured. Family First variant: Base Individual SI ₹5-10 Lakh per person with a shared floater layer on top. Policy types: Individual, Family Floater (up to 6 members, max 4 children) and Family First (up to 19 relationships). Entry age: adults 18-65, children 91 days-30 years. 1, 2 or 3-year terms; lifelong renewal

Claim Settlement Ratio
Reassure 3.0 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 ReAssure 3.0-only figure. Niva Bupa's company-level figure was 94.4% for FY 2025-26.	Health Premia Gold 93.5% of claims settled (by number) for Health Premia in FY 2025-26. Source: Niva Bupa Public Disclosures FY2025-26 (Form NL-47), https://transactions.nivabupa.com/pages/doc/pub-dis/quarterly-reports/Website-Public-Disclosures-Mar-2026.pdf. Company-level: 94.4% (Niva Bupa Annual Report FY 2025-26)

Maternity Cover
Reassure 3.0 Maternity expenses are excluded under the standard policy terms. No maternity-specific optional benefit was identified in the reviewed documents.	Health Premia Gold Covered only under Family Floater / Family First (not Individual), after 24 months continuous cover, up to 2 pregnancies/terminations: ₹70,000 (₹10L), ₹75,000 (₹15L), ₹80,000 (₹20L), ₹1,00,000 (₹30L/₹50L); Family First Gold ₹50,000. New born covered up to SI till end of policy year; newborn vaccination in first year

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Reassure 3.0

Health Insurance Plan

Brochure

Policy Wording

Health Premia Gold

Health Insurance Plan

Brochure

Policy Wording

Room Rent
Reassure 3.0 General Ward. Select: up to Twin Sharing. Elite: all rooms except Deluxe and Suite. Black: no room-category capping. Choosing a room above the eligible category can result in co-payment on the entire claim, as specified in the policy annexure.
VS VS
Health Premia Gold Covered up to Sum Insured, any room except Suite or above (all Gold variants incl. Family First). Proportionate deduction applies if a higher room than eligible is taken

ICU Charges
Reassure 3.0 Covered within hospitalisation expenses up to the Sum Insured. No separate ICU sub-limit is stated in the policy wording
VS VS
Health Premia Gold Covered up to Sum Insured as part of In-patient Care; no separate ICU cap stated

Co-payment
Reassure 3.0 No mandatory co-payment applies under the base plan. Room-category co-payment can apply if the insured chooses a room above the variant's eligibility. Optional voluntary co-payment ranges from 0% to 50%. A 20% co-payment may apply when HeadsUp or Tiered Network conditions are not met.
VS VS
Health Premia Gold No mandatory co-payment with Zone 1 pricing. With Zone 2 pricing, 20% co-pay applies to treatment in Mumbai (incl. Navi Mumbai & Thane), Delhi NCR, Kolkata and Gujarat. OPD claims under International Coverage have 20% co-pay

Disease-wise sublimits
Reassure 3.0 No general disease-wise sublimits are stated. Classic and Select have a ₹1 lakh per-claim limit for modern treatments. Cataract treatment under these variants is limited to a monofocal lens, subject to policy wording.
VS VS
Health Premia Gold No sublimits on common conditions like cataract or joint replacement. Sublimits apply to: robotic surgeries (₹1 Lakh, with exceptions), specified mental disorders (₹50,000), HIV/AIDS (₹50,000 per year), LASER surgery (up to ₹50,000), non-network road ambulance (₹2,000 per event)

Restoration Benefit
Reassure 3.0 ReAssure Forever is triggered after the first paid claim and provides unlimited reinstatements, with each claim covered up to the Base Sum Insured. It remains available for life if the policy is renewed without a break. This benefit applies only when Unlimited Sum Insured has not been selected.
VS VS
Health Premia Gold Re-fill Benefit: up to 100% of Base Sum Insured once per policy year, for the same or a different illness, after the Sum Insured is partly or fully used. Not available under the Family First variant

Cashless Healthcare Providers
Reassure 3.0 Cashless treatment is available at Niva Bupa network hospitals. The insurer also describes a Cashless Everywhere facility for non-network hospitals, subject to its process and applicable terms. Current network hospital count requires verification.
VS VS
Health Premia Gold Cashless treatment at Niva Bupa network hospitals across India; 10,000+ network hospitals (approximate, per Platinum brochure and Annual Report FY 2024-25; subject to change). Pre-authorisation target of 30 minutes

Cumulative Bonus
Reassure 3.0 Booster+ carries forward unused Base Sum Insured into the next policy year, accumulating up to 10 times the Base Sum Insured. This applies to the ₹5 lakh and ₹10 lakh options. Its treatment with Unlimited Sum Insured requires confirmation
VS VS
Health Premia Gold Loyalty Additions of 10% of expiring Base Sum Insured every policy year, up to 100%, even if you claim. Optional Enhanced Loyalty Addition: 20% per year, up to 200%

Daycare Treatment
Reassure 3.0 Covered up to the Sum Insured. Hospitalisation of 2 hours or more qualifies, subject to policy terms. AYUSH hospitalisation requires 24 hours or more.
VS VS
Health Premia Gold All listed day care procedures (Annexure III) covered up to Sum Insured

Consumable Cover
Reassure 3.0 Consumables and non-payable items are not covered under the base plan. Optional Claim Safeguard+ covers specified items listed under Lists I to IV.
VS VS
Health Premia Gold Allowable consumables paid within hospital bills; IRDAI non-payable items are not covered in the base plan. Covered with the optional Safeguard (List I) or Safeguard+ (Lists I-IV) add-on (Add-on UIN NBHHLIA24109V022324)

AYUSH Treatment
Reassure 3.0 In-patient AYUSH treatment is covered up to the Sum Insured for admissions of 24 hours or more in an AYUSH hospital, subject to policy terms.
VS VS
Health Premia Gold In-patient Ayurveda, Unani, Siddha and Homeopathy treatment in an AYUSH hospital covered up to Sum Insured, with 90/180 days pre/post-hospitalisation

Initial Waiting Period
Reassure 3.0 30 days, with accidents covered from Day 1. Optional modifications can reduce the initial waiting period to 7, 10 or 15 days.
VS VS
Health Premia Gold 30 days (not for accidents or renewals)

Specific Waiting Period
Reassure 3.0 24 months for listed diseases and procedures. Accidents are covered from Day 1, and cancer is covered after 30 days, subject to policy terms. An optional modification can change the specific waiting period to 12 or 36 months.
VS VS
Health Premia Gold 12 months for listed conditions (e.g. cataract, hernia, joint/spine disorders, piles). Accidents covered from day 1; cancer after the 30-day wait. Mental illness and LASER surgery: 36 months. HIV/AIDS: 48 months

PED Waiting Period
Reassure 3.0 36 months for pre-existing diseases. Optional modifications can reduce this to 12 or 24 months. Day 1 PED cover may be available with additional premium loading, subject to underwriting and acceptance.
VS VS
Health Premia Gold 24 months of continuous cover

Modern Treatment
Reassure 3.0 Classic and Select: up to ₹1 lakh per claim, removable with the optional Modern Treatments+ benefit. Elite and Black: covered up to the Sum Insured. Covers 12 listed modern treatments, including robotic surgery, oral chemotherapy and stem cell therapy
VS VS
Health Premia Gold Covered up to Sum Insured (12 listed procedures, e.g. robotic surgery, oral chemotherapy, immunotherapy, stem cell therapy). Robotic surgeries capped at ₹1 Lakh, except robotic radical prostatectomy, cardiac, partial nephrectomy and cancer surgeries

Annual Health Checkup
Reassure 3.0 Available as an optional benefit, with Cashless Only or Cashless + Reimbursement options, once per policy year from Day 1. The policy annexure lists variant-wise packages ranging from 7 tests for Classic to 18 tests for Black. Exact package mapping requires confirmation.
VS VS
Health Premia Gold Annual from Day 1: tests up to ₹2,500 per insured (₹10-20L SI), ₹5,000 (₹30L), ₹7,500 (₹50L). Family First Gold: ₹2,500

Pre-Hospitalisation
Reassure 3.0 Covered for 60 days before hospitalisation, up to the Sum Insured. Optional modifications may change this period to 30, 90 or 180 days.
VS VS
Health Premia Gold Up to 90 days before admission, covered up to Sum Insured

Post-Hospitalisation
Reassure 3.0 Covered for 180 days after hospital discharge, up to the Sum Insured. Optional modifications may change the period to 30, 60, 90, 270 or 365 days.
VS VS
Health Premia Gold Up to 180 days after discharge, covered up to Sum Insured

Outpatient Department Cover (OPD Expense)
Reassure 3.0 OPD expenses are not covered under the base plan. Optional WellConsult+ provides an OPD limit linked to 1x to 5x of the base premium, with a 20% co-payment on reimbursement claims. Unlimited e-consultations are included in the base plan.
VS VS
Health Premia Gold Domestic OPD: Not available under Gold. (OPD abroad is covered only within the in-built International Coverage, with 20% co-pay). Unlimited e-consultations included in all plans

Deductible Option
Reassure 3.0 Optional annual aggregate deductible of ₹10,000, ₹20,000, ₹30,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹4 lakh or ₹5 lakh. The deductible cannot be combined with voluntary co-payment.
VS VS
Health Premia Gold Not available (the policy wording has no deductible option for Health Premia)

Coverage Options
Reassure 3.0 Base Sum Insured options of ₹5 lakh, ₹10 lakh or Unlimited. Available on an individual, multi-individual or family floater basis, covering up to 6 members. Policy terms range from 1 to 5 years.
VS VS
Health Premia Gold Individual / Family Floater: ₹10, 15, 20, 30 or 50 Lakh Base Sum Insured. Family First variant: Base Individual SI ₹5-10 Lakh per person with a shared floater layer on top. Policy types: Individual, Family Floater (up to 6 members, max 4 children) and Family First (up to 19 relationships). Entry age: adults 18-65, children 91 days-30 years. 1, 2 or 3-year terms; lifelong renewal

Claim Settlement Ratio
Reassure 3.0 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 ReAssure 3.0-only figure. Niva Bupa's company-level figure was 94.4% for FY 2025-26.
VS VS
Health Premia Gold 93.5% of claims settled (by number) for Health Premia in FY 2025-26. Source: Niva Bupa Public Disclosures FY2025-26 (Form NL-47), https://transactions.nivabupa.com/pages/doc/pub-dis/quarterly-reports/Website-Public-Disclosures-Mar-2026.pdf. Company-level: 94.4% (Niva Bupa Annual Report FY 2025-26)

Maternity Cover
Reassure 3.0 Maternity expenses are excluded under the standard policy terms. No maternity-specific optional benefit was identified in the reviewed documents.
VS VS
Health Premia Gold Covered only under Family Floater / Family First (not Individual), after 24 months continuous cover, up to 2 pregnancies/terminations: ₹70,000 (₹10L), ₹75,000 (₹15L), ₹80,000 (₹20L), ₹1,00,000 (₹30L/₹50L); Family First Gold ₹50,000. New born covered up to SI till end of policy year; newborn vaccination in first year

Insurance Plans Comparison

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Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

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

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

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

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

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Reassure 3.0 vs myHealth Suraksha Gold

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Reassure 3.0 vs Active Fit Plus

Reassure 3.0 vs OneHealth Premium

Reassure 3.0 vs Activ Health Platinum Essential

Reassure 3.0 vs Medicare Plus

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Reassure 3.0 vs Enhance Super Top-up Two

Reassure 3.0 vs Medicare Protect

Reassure 3.0 vs Activ One SAVR

Reassure 3.0 vs Active Assure Diamond

Reassure 3.0 vs Activ One VIP

Reassure 3.0 vs Health Pulse Classic

Reassure 3.0 vs Advantage

Reassure 3.0 vs Special Care Gold

Reassure 3.0 vs Activ One Max

Reassure 3.0 vs Classic

Reassure 3.0 vs Activ One Vytl

Reassure 3.0 vs Supreme

Reassure 3.0 vs Freedom

Reassure 3.0 vs Sarvah Pratham

Reassure 3.0 vs Joy Today

Reassure 3.0 vs Medi Classic

Reassure 3.0 vs Activate Booster Plan B

Reassure 3.0 vs Aspire Gold+

Reassure 3.0 vs Aspire Platinum+

Reassure 3.0 vs Plus Complete

Reassure 3.0 vs Reassure 2.0 Platinum+

Reassure 3.0 vs Elder Care

Reassure 3.0 vs Reassure 3.0 Elite

Reassure 3.0 vs EquiCover

Reassure 3.0 vs Young Star Gold

Reassure 3.0 vs Enhance Super Top-up One

Reassure 3.0 vs Joy Tomorrow

Reassure 3.0 vs Activ One VIP+

Reassure 3.0 vs Reassure 3.0 Select

Reassure 3.0 vs Red Carpet Senior Citizens

Reassure 3.0 vs Medicare Premier

Reassure 3.0 vs Family Health Optima

Reassure 3.0 vs Health Companion Variant 2022

Reassure 3.0 vs Health Companion Variant 3

Reassure 3.0 vs Plus Youth

Reassure 3.0 vs Assure

Reassure 3.0 vs Health Premia Gold

Reassure 3.0 vs Health Premia Platinum

Reassure 3.0 vs Cancer Care Platinum

Reassure 3.0 vs Optima Lite

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Reassure 3.0 vs Comprehensive

Reassure 3.0 vs HeartBeat Enhanced

Reassure 3.0 vs Reassure

Reassure 3.0 vs Supreme Senior Premium

Reassure 3.0 vs Health Recharge Super Top Up Plan

Reassure 3.0 vs myHealth Suraksha Platinum

Reassure 3.0 vs Supreme Value for Money

Reassure 3.0 vs Supreme Senior Super

Reassure 3.0 vs Supreme Enhance

Reassure 3.0 vs Reassure 2.0 Gold

Reassure 3.0 vs Medicare

Reassure 3.0 vs Ultimate (Direct)

Reassure 3.0 vs Young Star

Reassure 3.0 vs Sarvah Param

Reassure 3.0 vs Optima Insurance

Reassure 3.0 vs Smart Super Health Assure

Reassure 3.0 vs Reassure 3.0 Black

Reassure 3.0 vs Health Guard Platinum

Reassure 3.0 vs Health Guard Gold

Reassure 3.0 vs Elevate (Direct)

Reassure 3.0 vs Extra Care Plus Super Top-up

Reassure 3.0 vs Health Care Supreme Smart

Reassure 3.0 vs Smart Health Pro

Reassure 3.0 vs Medi Classic Gold

Reassure 3.0 vs Optima Super Secure

Reassure 3.0 vs Special Care

Reassure 3.0 vs Medicare LITE

Reassure 3.0 vs Health Shield 360

Reassure 3.0 vs SecureHealth

Reassure 3.0 vs Supreme (Direct)

Reassure 3.0 vs Plus

Reassure 3.0 vs Mediclaim Insurance Policy

Reassure 3.0 vs Medicare Select

Reassure 3.0 vs Health Gain

Reassure 3.0 vs myHealth Koti Suraksha

Reassure 3.0 vs Senior

Reassure 3.0 vs myHealth Suraksha Silver

Reassure 3.0 vs Cardiac Care Platinum

Reassure 3.0 vs Royal Sundaram Lifeline Elite

Reassure 3.0 vs Super Surplus Gold

Reassure 3.0 vs Supreme Enhance One

Reassure 3.0 vs Supreme Enhance Two

Reassure 3.0 vs HeartBeat Platinum

Reassure 3.0 vs HeartBeat Gold

Reassure 3.0 vs Health SuperCharge

Reassure 3.0 vs Aspire Titanium+

Reassure 3.0 vs iHealth Plus

Reassure 3.0 vs ProHealth Prime Advantage

Reassure 3.0 vs Active Fit Preferred

Reassure 3.0 vs Reassure 3.0 Classic

Reassure 3.0 vs Senior Health Advantage

Reassure 3.0 vs Health Wallet

Reassure 3.0 vs Elevate

Reassure 3.0 vs Heart

Reassure 3.0 vs LifeTime Health

Reassure 3.0 vs Reassure 2.0 Titanium+

Reassure 3.0 vs ProHealth Prime Active

Reassure 3.0 vs ProHealth Prime Senior Elite

Reassure 3.0 vs Advanced Top Up

Reassure 3.0 vs Multiplier Health

Reassure 3.0 vs Diabetes Safe Plan A

Reassure 3.0 vs Reassure 2.0 Bronze+

Reassure 3.0 vs Enhance Super Top-up

Reassure 3.0 vs Young Star Silver

Reassure 3.0 vs Star Women Care Policy

Reassure 3.0 vs Joy

Reassure 3.0 vs Supreme Senior Health AdvantEdge

Reassure 3.0 vs Family Plus

Reassure 3.0 vs Criti Shield Plus

Reassure 3.0 vs Health Care Supreme Ultimo

Reassure 3.0 vs Health Shield 360 Retail

Reassure 3.0 vs Super Star

Reassure 3.0 vs Supreme Super Saver

Reassure 3.0 vs Senior First Platinum

Reassure 3.0 vs Optima Secure Global

Reassure 3.0 vs NextGen

Reassure 3.0 vs Health Insurance Platinum

Reassure 3.0 vs Energy Silver With Copay

Reassure 3.0 vs Optima Secure

Reassure 3.0 vs Super Mediclaim

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Reassure 3.0 vs Cancer Cover Activ Cancer Secure Plan

Reassure 3.0 vs Optima Secure Plus

Health Premia Gold vs Optima Secure

Health Premia Gold vs Super Mediclaim

Health Premia Gold vs Health Recharge

Health Premia Gold vs Cancer Cover Activ Cancer Secure Plan

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Health Premia Gold vs Women Care

Health Premia Gold vs Aspire Diamond+

Health Premia Gold vs Activate Booster Plan A

Health Premia Gold vs Active Care Premier

Health Premia Gold vs ProHealth Accumulate

Health Premia Gold vs Health Super Saver Standard

Health Premia Gold vs Supreme Shine

Health Premia Gold vs Optima Secure Global Plus

Health Premia Gold vs Health Cardiac Care Silver & Gold Plan

Health Premia Gold vs myHealth Suraksha Gold

Health Premia Gold vs LifeTime Health Global

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Health Premia Gold vs OneHealth Premium

Health Premia Gold vs Activ Health Platinum Essential

Health Premia Gold vs Medicare Plus

Health Premia Gold vs Medicare Senior

Health Premia Gold vs Enhance Super Top-up Two

Health Premia Gold vs Medicare Protect

Health Premia Gold vs Activ One SAVR

Health Premia Gold vs Active Assure Diamond

Health Premia Gold vs Activ One VIP

Health Premia Gold vs Health Pulse Classic

Health Premia Gold vs Advantage

Health Premia Gold vs Special Care Gold

Health Premia Gold vs Activ One Max

Health Premia Gold vs Classic

Health Premia Gold vs Activ One Vytl

Health Premia Gold vs Supreme

Health Premia Gold vs Freedom

Health Premia Gold vs Sarvah Pratham

Health Premia Gold vs Joy Today

Health Premia Gold vs Medi Classic

Health Premia Gold vs Activate Booster Plan B

Health Premia Gold vs Aspire Gold+

Health Premia Gold vs Aspire Platinum+

Health Premia Gold vs Plus Complete

Health Premia Gold vs Reassure 2.0 Platinum+

Health Premia Gold vs Elder Care

Health Premia Gold vs Reassure 3.0 Elite

Health Premia Gold vs EquiCover

Health Premia Gold vs Young Star Gold

Health Premia Gold vs Enhance Super Top-up One

Health Premia Gold vs Joy Tomorrow

Health Premia Gold vs Activ One VIP+

Health Premia Gold vs Reassure 3.0 Select

Health Premia Gold vs Red Carpet Senior Citizens

Health Premia Gold vs Medicare Premier

Health Premia Gold vs Family Health Optima

Health Premia Gold vs Health Companion Variant 2022

Health Premia Gold vs Health Companion Variant 3

Health Premia Gold vs Plus Youth

Health Premia Gold vs Assure

Health Premia Gold vs Health Premia Platinum

Health Premia Gold vs Cancer Care Platinum

Health Premia Gold vs Optima Lite

Health Premia Gold vs ProHealth Prime Protect

Health Premia Gold vs Comprehensive

Health Premia Gold vs HeartBeat Enhanced

Health Premia Gold vs Reassure

Health Premia Gold vs Supreme Senior Premium

Health Premia Gold vs Health Recharge Super Top Up Plan

Health Premia Gold vs Reassure 3.0

Health Premia Gold vs myHealth Suraksha Platinum

Health Premia Gold vs Supreme Value for Money

Health Premia Gold vs Supreme Senior Super

Health Premia Gold vs Supreme Enhance

Health Premia Gold vs Reassure 2.0 Gold

Health Premia Gold vs Medicare

Health Premia Gold vs Ultimate (Direct)

Health Premia Gold vs Young Star

Health Premia Gold vs Sarvah Param

Health Premia Gold vs Optima Insurance

Health Premia Gold vs Smart Super Health Assure

Health Premia Gold vs Reassure 3.0 Black

Health Premia Gold vs Health Guard Platinum

Health Premia Gold vs Health Guard Gold

Health Premia Gold vs Elevate (Direct)

Health Premia Gold vs Extra Care Plus Super Top-up

Health Premia Gold vs Health Care Supreme Smart

Health Premia Gold vs Smart Health Pro

Health Premia Gold vs Medi Classic Gold

Health Premia Gold vs Optima Super Secure

Health Premia Gold vs Special Care

Health Premia Gold vs Medicare LITE

Health Premia Gold vs Health Shield 360

Health Premia Gold vs SecureHealth

Health Premia Gold vs Supreme (Direct)

Health Premia Gold vs Plus

Health Premia Gold vs Mediclaim Insurance Policy

Health Premia Gold vs Medicare Select

Health Premia Gold vs Health Gain

Health Premia Gold vs myHealth Koti Suraksha

Health Premia Gold vs Senior

Health Premia Gold vs myHealth Suraksha Silver

Health Premia Gold vs Cardiac Care Platinum

Health Premia Gold vs Royal Sundaram Lifeline Elite

Health Premia Gold vs Super Surplus Gold

Health Premia Gold vs Supreme Enhance One

Health Premia Gold vs Supreme Enhance Two

Health Premia Gold vs HeartBeat Platinum

Health Premia Gold vs HeartBeat Gold

Health Premia Gold vs Health SuperCharge

Health Premia Gold vs Aspire Titanium+

Health Premia Gold vs iHealth Plus

Health Premia Gold vs ProHealth Prime Advantage

Health Premia Gold vs Active Fit Preferred

Health Premia Gold vs Reassure 3.0 Classic

Health Premia Gold vs Senior Health Advantage

Health Premia Gold vs Health Wallet

Health Premia Gold vs Elevate

Health Premia Gold vs Heart

Health Premia Gold vs LifeTime Health

Health Premia Gold vs Reassure 2.0 Titanium+

Health Premia Gold vs ProHealth Prime Active

Health Premia Gold vs ProHealth Prime Senior Elite

Health Premia Gold vs Advanced Top Up

Health Premia Gold vs Multiplier Health

Health Premia Gold vs Diabetes Safe Plan A

Health Premia Gold vs Reassure 2.0 Bronze+

Health Premia Gold vs Enhance Super Top-up

Health Premia Gold vs Young Star Silver

Health Premia Gold vs Star Women Care Policy

Health Premia Gold vs Joy

Health Premia Gold vs Supreme Senior Health AdvantEdge

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Health Premia Gold vs Criti Shield Plus

Health Premia Gold vs Health Care Supreme Ultimo

Health Premia Gold vs Health Shield 360 Retail

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Health Premia Gold vs Supreme Super Saver

Health Premia Gold vs Senior First Platinum

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Health Premia Gold vs NextGen

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Health Premia Gold vs Energy Silver With Copay

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