Insurance Plans Comparison
Niva Bupa Reassure 3.0 Select vs Niva Bupa Health Pulse Classic
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreReassure 3.0 Select
Niva Bupa ReAssure 3.0 Select Health Insurance Plan with Twin-Sharing Room Cover and Optional Benefits
What Makes It Special:
ReAssure 3.0 Select is a health insurance variant designed for customers seeking hospitalisation cover with a twin-sharing room entitlement and access to optional benefits. It covers eligible hospitalisation expenses, including pre- and post-hospitalisation costs, home care and organ donor expenses, subject to policy conditions. Customers can also explore options such...
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.
VS
Health Pulse Classic
Niva Bupa Health Pulse Classic
What Makes It Special:
A value-focused health plan with Loyalty Additions, a Re-fill benefit and optional add-ons, with a 20% co-payment applying only in specified cities.
Best For:
Customers comfortable with room rent limits on lower Sum Insured options.
Adults aged 18 to 65 years buying a new policy, subject to eligibility.
People who want the option to add Personal Accident or Critical Illness cover.
Buyers who want their cover to grow through annual Loyalty Additions.
First-time buyers looking for straightforward hospitalisation coverage.
Families outside Delhi NCR, Mumbai, Kolkata and Gujarat who want to avoid the plan's city-specific co-payment.
Insurance Plans Comparison
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Quick Decision Guide
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.
The available Sum Insured options for Classic above ₹10 Lakh need confirmation because the prospectus and sales sheet differ.
There is no deductible option.
Maternity and general OPD treatment are not covered.
Pre-existing diseases have a 36-month waiting period.
Listed specified conditions have a 24-month waiting period.
Pre-hospitalisation cover is limited to 30 days and post-hospitalisation cover to 60 days.
For ₹3 Lakh and ₹4 Lakh cover, room rent is limited to 1% of the Base Sum Insured per day and ICU charges to 2% per day.
A 20% co-payment applies to treatment in Delhi NCR, Mumbai including Navi Mumbai and Thane, Kolkata and Gujarat.
Optional Personal Accident, Critical Illness, Hospital Cash and unlimited e-Consultation benefits are available at additional premiums.
Mental illness, HIV/AIDS, domiciliary treatment and modern treatments are covered, with specified sublimits and waiting periods.
A single private room is covered for Sum Insured of ₹5 Lakh and above.
Re-fill of up to 100% of the Base Sum Insured is available for a different illness or injury. Optional Enhanced Re-fill increases it to 150%.
Loyalty Additions add 10% of the Base Sum Insured every policy year, up to 100%.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Reassure 3.0 Select Health Insurance Plan VS VS |
Health Pulse Classic Health Insurance Plan |
| Room Rent |
|---|
Reassure 3.0 Select Select covers up to Twin Sharing Room; higher rooms attract co-payment. |
VS VS |
Health Pulse Classic
|
| ICU Charges |
|---|
Reassure 3.0 Select Covered under hospitalisation expenses up to applicable SI. |
VS VS |
Health Pulse Classic Information Unavailable |
| Advanced Treatments |
|---|
Reassure 3.0 Select Information Unavailable |
VS VS |
Health Pulse Classic Including robotic surgeries, stem cell therapy (for specific conditions), and modern procedures like laser treatments and bariatric surgery. |
| Co-payment |
|---|
Reassure 3.0 Select Selectable: 0%, 10%, 20%, 30%, 40%, 50% options. |
VS VS |
Health Pulse Classic A 20% co-payment applies for treatments in Zone 2. Additionally, policyholders can opt for a 10% or 20% co-payment, which does not reduce the sum insured. |
| Disease-wise sublimits |
|---|
Reassure 3.0 Select ₹1L limit per claim for specified modern treatments |
VS VS |
Health Pulse Classic Information Unavailable |
| Waiting Period |
|---|
Reassure 3.0 Select Information Unavailable |
VS VS |
Health Pulse Classic
|
| Cashless Healthcare Providers |
|---|
Reassure 3.0 Select Niva Bupa network hospitals subject to authorisation |
VS VS |
Health Pulse Classic 10675+ network hospitals in India. |
| Restoration Benefit |
|---|
Reassure 3.0 Select ReAssure Forever: Base SI restored after first claim, unlimited times. |
VS VS |
Health Pulse Classic Information Unavailable |
| Cumulative Bonus |
|---|
Reassure 3.0 Select Booster+ add on: Accumulates up to 10X base SI carried forward annually |
VS VS |
Health Pulse Classic Information Unavailable |
| Daycare Treatment |
|---|
Reassure 3.0 Select Covered for ≥2 hours hospitalisations per policy terms. |
VS VS |
Health Pulse Classic Covered by the policy. |
| Consumable Cover |
|---|
Reassure 3.0 Select Claim Safeguard+ available as optional benefit |
VS VS |
Health Pulse Classic Information Unavailable |
| AYUSH Treatment |
|---|
Reassure 3.0 Select Covered for ≥24 hours AYUSH hospitalisation up to SI. |
VS VS |
Health Pulse Classic Covered by the policy. |
| Initial Waiting Period |
|---|
Reassure 3.0 Select 30 days (except accidents). |
VS VS |
Health Pulse Classic Information Unavailable |
| Specific Waiting Period |
|---|
Reassure 3.0 Select 24 months standard; Specific Disease modification to 12 or 16 months. |
VS VS |
Health Pulse Classic Information Unavailable |
| PED Waiting Period |
|---|
Reassure 3.0 Select 36 months standard; modifiable to 12 or 24 months. |
VS VS |
Health Pulse Classic Information Unavailable |
| Modern Treatment |
|---|
Reassure 3.0 Select Modern treatments covered up to ₹1L per complete claim amount. |
VS VS |
Health Pulse Classic Information Unavailable |
| Annual Health Checkup |
|---|
Reassure 3.0 Select Available from Day 1 on cashless basis per defined packages. |
VS VS |
Health Pulse Classic Information Unavailable |
| Pre-Hospitalisation |
|---|
Reassure 3.0 Select Up to 60 days before hospitalisation when related to approved claim. |
VS VS |
Health Pulse Classic Information Unavailable |
| Post-Hospitalisation |
|---|
Reassure 3.0 Select Covered for 180 days after discharge for eligible expenses. |
VS VS |
Health Pulse Classic Information Unavailable |
| Outpatient Department Cover (OPD Expense) |
|---|
Reassure 3.0 Select Not in base; Wellconsult+ add on provides OPD and wellness benefits. |
VS VS |
Health Pulse Classic Information Unavailable |
| Deductible Option |
|---|
Reassure 3.0 Select Annual Aggregate Deductible: ₹10K to ₹5L range. |
VS VS |
Health Pulse Classic Information Unavailable |
| Coverage Options |
|---|
Reassure 3.0 Select Unlimited Sum Insured option available. |
VS VS |
Health Pulse Classic Information Unavailable |
| Claim Settlement Ratio |
|---|
Reassure 3.0 Select 80% |
VS VS |
Health Pulse Classic Information Unavailable |
| Maternity Cover |
|---|
Reassure 3.0 Select Not in standard, Select variant base benefits. |
VS VS |
Health Pulse Classic Information Unavailable |
Insurance Plans Comparison
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