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 2.0 Gold Vs Heartbeat Platinum

Insurance Plans Comparison

Niva Bupa Reassure 2.0 Gold vs Niva Bupa HeartBeat Platinum

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 2.0 Gold

Carry forward unused cover up to 10X and get your Base Sum Insured reinstated unlimited times after your first paid claim.

What Makes It Special:

ReAssure 2.0 Gold is a health insurance variant from Niva Bupa that combines Booster+ 10X carry-forward of unused cover, ReAssureX unlimited reinstatement and no room rent limit. It also offers eligible hospitalisation cover for stays of 2 hours or more, annual health check-ups from Day 1 and unlimited e-consultations with...

Best For:

Customers who want to explore optional co-payment, deductible or room-type choices to manage costs.
Buyers who value the carry-forward of unused Base Sum Insured.
People who want the flexibility to choose any room without a standard room rent cap.
Families looking for a floater policy with unlimited reinstatement of cover.
Buyers who want Booster+ 10X without the Lock the Clock feature.

HeartBeat Platinum

Niva Bupa Heartbeat Platinum Plan Health cover from ₹15 lakh to ₹1 crore with OPD benefits, maternity cover, international emergency protection and up to 100% Loyalty Additions.

What Makes It Special:

Premium family health insurance with OPD benefits, international emergency coverage, maternity and newborn benefits, annual health check-ups, a 24-month pre-existing disease waiting period and Loyalty Additions of up to 100%.

Best For:

Customers who value additional benefits beyond hospitalisation: Platinum includes annual health check-ups, second medical opinions for specified conditions or procedures, Loyalty Additions and a Re-fill benefit.
People who want international emergency protection: The plan includes specified international emergency benefits, with an optional enhanced geographical scope for the USA and Canada.
Couples planning to have children: Eligible policy structures include maternity benefits, newborn cover and first-year vaccinations, subject to waiting periods and limits.
People who use outpatient healthcare regularly: The plan includes OPD treatment, diagnostic tests and prescribed medicines within the applicable annual limit.
Families seeking higher health cover: Platinum offers Individual/Family Floater Sum Insured options from ₹15 lakh to ₹1 crore, helping families plan for potentially expensive hospitalisation.

Insurance Plans Comparison

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Quick Decision Guide

Niva Bupa Reassure 2.0 Gold

Lock the Clock is not included in Gold, and the premium may change at renewal according to the applicable pricing terms.
Consumables and specified non-payable items require the optional Safeguard or Safeguard+ benefit.
Maternity expenses and routine OPD expenses are not covered under the base plan.
Listed conditions and procedures have a 24-month waiting period.
The standard pre-existing disease waiting period is 36 months, with optional reductions to 1 or 2 years at additional premium.
Annual health check-ups are available from Day 1, and unlimited e-consultations with network partners are included.
Eligible hospitalisation of 2 hours or more is covered.
Booster+ 10X carries forward unused Base Sum Insured into subsequent policy years.
ReAssureX provides unlimited reinstatements after the first paid claim, with each claim under the benefit covered up to the Base Sum Insured.
No standard room rent cap, with ICU expenses covered up to the Sum Insured.

Niva Bupa HeartBeat Platinum

Compare optional costs and policy limits: Evaluate deductibles, voluntary co-payment, room eligibility, disease sublimits and the Re-fill conditions. A lower premium may mean paying more out of pocket when making a claim.
Choose your geographical coverage carefully: Review Zone 1 and Zone 2 pricing and understand where the 20% co-payment applies. If international protection matters, check the optional USA and Canada geographical enhancement and its exclusions.
Read the maternity and newborn conditions: Check the applicable waiting period, maternity limit, eligible policy structure and newborn benefits before choosing the plan.
Calculate your likely OPD expenses: Compare the annual OPD limit with your expected spending on consultations, diagnostics and prescribed medicines. Review the carry-forward conditions and eligible expenses in the policy wording.
Select the right Sum Insured: Compare ₹15 lakh, ₹20 lakh, ₹50 lakh and ₹1 crore options against your family's medical needs, location and budget. Family First Platinum uses a different per-person and floater structure.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Reassure 2.0 Gold

Health Insurance Plan

Brochure

Policy Wording

HeartBeat Platinum

Health Insurance Plan

Brochure

Room Rent
Reassure 2.0 Gold No room rent limit under the standard Gold variant. Optional Room Type Modification may allow a single private room or shared room at a lower premium. Choosing a room above the selected room category may lead to proportionate deductions.	HeartBeat Platinum Covered up to Sum Insured for eligible room categories, excluding Suite or higher categories.

ICU Charges
Reassure 2.0 Gold Covered up to the Sum Insured, with no separate ICU cap stated. If Room Type Modification is selected, ICU expenses are covered up to the Base Sum Insured.	HeartBeat Platinum Covered up to Sum Insured as part of inpatient care, subject to policy terms.

Co-payment
Reassure 2.0 Gold No mandatory co-payment applies under the base plan. Optional voluntary co-payment options are 20%, 30%, 40% or 50%. The optional Tiered Network benefit offers a 15% premium discount and applies a 20% co-payment when treatment is taken at a non-tiered network hospital.	HeartBeat Platinum No mandatory co-payment with Zone 1 pricing, which offers all-India coverage. Under Zone 2 pricing, a 20% co-payment applies to treatment in Mumbai, including Navi Mumbai and Thane, Delhi NCR, Kolkata and Gujarat. Optional voluntary co-payment of 10% or 20% is available for a premium discount.

Disease-wise sublimits
Reassure 2.0 Gold No general disease-wise sublimits are stated in the reviewed policy wording. Specific benefit limits apply, including air ambulance cover up to ₹2,50,000 per hospitalisation and the monofocal cataract lens restriction for Sum Insured up to ₹10 lakh.	HeartBeat Platinum HIV/AIDS: up to ₹50,000 after a 4-year waiting period. Mental disorder treatment: covered up to SI, with a ₹50,000 sublimit for specified conditions after a 3-year waiting period. Maternity limits apply as listed above. Non-network emergency ambulance: up to ₹2,000 per event; network ambulance: up to SI.

Cashless Healthcare Providers
Reassure 2.0 Gold Cashless treatment is available at Niva Bupa network hospitals. The reviewed single-sheeter cites approximately 10,000+ network hospitals. Cashless Everywhere is also offered at non-network hospitals, subject to the insurer's process. The brochure mentions a 30-minute cashless pre-authorisation commitment.	HeartBeat Platinum Cashless treatment is available at Niva Bupa network hospitals. The HeartBeat brochure refers to 10,000+ hospitals, an approximate network figure. Niva Bupa also advertises a 30-minute cashless pre-authorisation commitment, subject to the applicable process and required documents.

Restoration Benefit
Reassure 2.0 Gold ReAssureX, also referred to as ReAssure Forever, is triggered by the first paid claim in the life of the policy. It provides unlimited reinstatements, with each claim under the benefit covered up to the Base Sum Insured. It remains available for life if the policy is renewed without a break. Lock the Clock is not included in the Gold variant.	HeartBeat Platinum Re-fill Benefit: once per policy year, up to 100% of Base SI when Base SI and Loyalty Additions are partly or fully used. It can be used for subsequent claims for the same or a different illness, subject to policy conditions. The benefit is not available under Family First.

Cumulative Bonus
Reassure 2.0 Gold Booster+ 10X carries forward unused Base Sum Insured into the next policy year, up to 10 times the Base Sum Insured. The accumulated amount may be reduced proportionately if the Base Sum Insured is reduced.	HeartBeat Platinum Loyalty Additions increase the expiring Base Sum Insured by 10% at each renewal, up to a maximum of 100% of Base SI, irrespective of claims. The increase does not raise benefit sublimits

Daycare Treatment
Reassure 2.0 Gold Covered up to the Sum Insured. Hospitalisation of 2 hours or more qualifies, subject to policy terms. AYUSH treatment requires a minimum admission of 24 hours.	HeartBeat Platinum All eligible day-care treatments are covered up to Sum Insured, subject to policy terms.

Consumable Cover
Reassure 2.0 Gold Consumables and non-payable items are not covered under the base plan. Optional Safeguard covers specified List I items, while Safeguard+ covers specified items under Lists I to IV.	HeartBeat Platinum Allowable consumables during hospitalisation are covered. Items included in the applicable non-payable list are excluded.

AYUSH Treatment
Reassure 2.0 Gold Eligible in-patient AYUSH treatment is covered up to the Sum Insured for admissions of at least 24 hours in an AYUSH hospital. Yoga and Naturopathy claims require prior approval.	HeartBeat Platinum Covers eligible inpatient treatment under Ayurveda, Unani, Siddha and Homeopathy up to Sum Insured, subject to policy terms.

Initial Waiting Period
Reassure 2.0 Gold 30 days. Accidents are covered from Day 1, subject to policy terms.	HeartBeat Platinum 30 days for illnesses. Accidents are covered from day one. The initial waiting period is waived for insured persons with 12 or more months of continuous coverage, subject to policy terms.

Specific Waiting Period
Reassure 2.0 Gold 24 months for listed conditions and procedures. The waiting period does not apply to accidents. Cancer is covered after the initial 30-day waiting period, subject to policy terms.	HeartBeat Platinum 24 months for listed conditions such as cataract, hernia, joint replacement, piles and stones. This applies only to insured persons above 45 years at first policy inception. No specific waiting period applies to those aged 45 or below at entry.

PED Waiting Period
Reassure 2.0 Gold 36 months of continuous coverage for pre-existing diseases. Optional PED Waiting Time Modification can reduce this to 1 or 2 years at additional premium.	HeartBeat Platinum 24 months of continuous coverage for declared pre-existing diseases.

Modern Treatment
Reassure 2.0 Gold Covered up to the Sum Insured for 12 listed procedures, including robotic surgery, oral chemotherapy, stem cell therapy, deep brain stimulation and intravitreal injections. For Sum Insured up to ₹10 lakh, cataract cover is limited to a monofocal lens, subject to policy terms.	HeartBeat Platinum Covers 12 listed modern treatments, including robotic surgery, oral chemotherapy, immunotherapy and stem cell therapy, up to Sum Insured. A ₹1 lakh sublimit applies to certain robotic surgeries.

Annual Health Checkup
Reassure 2.0 Gold Available from Day 1, once every policy year. The benefit is ₹500 per ₹1 lakh of Base Sum Insured, capped at ₹5,000 per insured individual or ₹10,000 per floater policy. Cashless only, booked through the Niva Bupa app, subject to policy terms.	HeartBeat Platinum Annual health check-ups from the second policy year, on a cashless basis through empanelled providers. Test value: ₹3,750 for ₹15 lakh SI and ₹5,000 for ₹20 lakh, ₹50 lakh and ₹1 crore SI. Family First Platinum provides ₹5,000 per insured person.

Pre-Hospitalisation
Reassure 2.0 Gold Eligible pre-hospitalisation expenses are covered for up to 60 days, up to the Sum Insured.	HeartBeat Platinum Covered for 60 days, up to Sum Insured.

Post-Hospitalisation
Reassure 2.0 Gold Eligible post-hospitalisation expenses are covered for up to 180 days, up to the Sum Insured.	HeartBeat Platinum Covered for 90 days, up to Sum Insured.

Outpatient Department Cover (OPD Expense)
Reassure 2.0 Gold Routine OPD expenses are not covered under the base plan. Unlimited e-consultations with network partners are included.	HeartBeat Platinum Covers eligible outpatient treatment, diagnostic tests and prescribed medicines. Limits: ₹15,000 for ₹15 lakh SI; ₹20,000 for ₹20 lakh SI; ₹35,000 for ₹50 lakh SI; ₹50,000 for ₹1 crore SI. Family First Platinum: ₹35,000. Subject to policy terms.

Deductible Option
Reassure 2.0 Gold The prospectus lists an optional annual aggregate deductible of ₹10,000, ₹20,000, ₹30,000, ₹50,000 or ₹1,00,000 for the Bronze/Silver/Gold group. The Gold single-sheeter does not list this benefit, so availability for the Gold variant and sales channel requires confirmation.	HeartBeat Platinum Optional annual aggregate deductible options are available for eligible Individual/Family Floater policies: ₹10,000, ₹20,000, ₹30,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹4 lakh, ₹5 lakh or ₹10 lakh.

Coverage Options
Reassure 2.0 Gold Base Sum Insured options listed in the reviewed single-sheeter are ₹5 lakh, ₹7.5 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh, ₹25 lakh, ₹50 lakh and ₹1 crore. Individual cover for up to 6 members or family floater options are listed, with 1-year, 2-year and 3-year policy terms. Confirm the ₹7.5 lakh option against the insurer's latest schedule before publication.	HeartBeat Platinum Individual/Family Floater Platinum offers Base SI of ₹15 lakh, ₹20 lakh, ₹50 lakh and ₹1 crore. Family First Platinum has a separate per-person and floater Sum Insured structure. Policy terms of 1 or 2 years are available, subject to the applicable option.

Claim Settlement Ratio
Reassure 2.0 Gold 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 Gold-specific ratio. Niva Bupa's company-level figure was 94.4% for FY 2025-26.	HeartBeat Platinum 96.0% of HeartBeat claims settled by number in FY 2025-26, according to the insurer's product-level public disclosure. Company-level figure reported in the annual report: 94.4%.

Maternity Cover
Reassure 2.0 Gold Maternity expenses are excluded under the standard policy terms. Ectopic pregnancy is treated separately in the exclusion wording.	HeartBeat Platinum Covers up to two pregnancies or terminations under eligible policy structures after the applicable waiting period. Individual/Family Floater Platinum limits: ₹1.2 lakh for ₹15 lakh SI; ₹1.6 lakh for ₹20 lakh SI; ₹2 lakh for ₹50 lakh and ₹1 crore SI. Newborn cover and first-year vaccinations are included subject to policy conditions.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Reassure 2.0 Gold

Health Insurance Plan

Brochure

Policy Wording

HeartBeat Platinum

Health Insurance Plan

Brochure

Room Rent
Reassure 2.0 Gold No room rent limit under the standard Gold variant. Optional Room Type Modification may allow a single private room or shared room at a lower premium. Choosing a room above the selected room category may lead to proportionate deductions.
VS VS
HeartBeat Platinum Covered up to Sum Insured for eligible room categories, excluding Suite or higher categories.

ICU Charges
Reassure 2.0 Gold Covered up to the Sum Insured, with no separate ICU cap stated. If Room Type Modification is selected, ICU expenses are covered up to the Base Sum Insured.
VS VS
HeartBeat Platinum Covered up to Sum Insured as part of inpatient care, subject to policy terms.

Co-payment
Reassure 2.0 Gold No mandatory co-payment applies under the base plan. Optional voluntary co-payment options are 20%, 30%, 40% or 50%. The optional Tiered Network benefit offers a 15% premium discount and applies a 20% co-payment when treatment is taken at a non-tiered network hospital.
VS VS
HeartBeat Platinum No mandatory co-payment with Zone 1 pricing, which offers all-India coverage. Under Zone 2 pricing, a 20% co-payment applies to treatment in Mumbai, including Navi Mumbai and Thane, Delhi NCR, Kolkata and Gujarat. Optional voluntary co-payment of 10% or 20% is available for a premium discount.

Disease-wise sublimits
Reassure 2.0 Gold No general disease-wise sublimits are stated in the reviewed policy wording. Specific benefit limits apply, including air ambulance cover up to ₹2,50,000 per hospitalisation and the monofocal cataract lens restriction for Sum Insured up to ₹10 lakh.
VS VS
HeartBeat Platinum HIV/AIDS: up to ₹50,000 after a 4-year waiting period. Mental disorder treatment: covered up to SI, with a ₹50,000 sublimit for specified conditions after a 3-year waiting period. Maternity limits apply as listed above. Non-network emergency ambulance: up to ₹2,000 per event; network ambulance: up to SI.

Cashless Healthcare Providers
Reassure 2.0 Gold Cashless treatment is available at Niva Bupa network hospitals. The reviewed single-sheeter cites approximately 10,000+ network hospitals. Cashless Everywhere is also offered at non-network hospitals, subject to the insurer's process. The brochure mentions a 30-minute cashless pre-authorisation commitment.
VS VS
HeartBeat Platinum Cashless treatment is available at Niva Bupa network hospitals. The HeartBeat brochure refers to 10,000+ hospitals, an approximate network figure. Niva Bupa also advertises a 30-minute cashless pre-authorisation commitment, subject to the applicable process and required documents.

Restoration Benefit
Reassure 2.0 Gold ReAssureX, also referred to as ReAssure Forever, is triggered by the first paid claim in the life of the policy. It provides unlimited reinstatements, with each claim under the benefit covered up to the Base Sum Insured. It remains available for life if the policy is renewed without a break. Lock the Clock is not included in the Gold variant.
VS VS
HeartBeat Platinum Re-fill Benefit: once per policy year, up to 100% of Base SI when Base SI and Loyalty Additions are partly or fully used. It can be used for subsequent claims for the same or a different illness, subject to policy conditions. The benefit is not available under Family First.

Cumulative Bonus
Reassure 2.0 Gold Booster+ 10X carries forward unused Base Sum Insured into the next policy year, up to 10 times the Base Sum Insured. The accumulated amount may be reduced proportionately if the Base Sum Insured is reduced.
VS VS
HeartBeat Platinum Loyalty Additions increase the expiring Base Sum Insured by 10% at each renewal, up to a maximum of 100% of Base SI, irrespective of claims. The increase does not raise benefit sublimits

Daycare Treatment
Reassure 2.0 Gold Covered up to the Sum Insured. Hospitalisation of 2 hours or more qualifies, subject to policy terms. AYUSH treatment requires a minimum admission of 24 hours.
VS VS
HeartBeat Platinum All eligible day-care treatments are covered up to Sum Insured, subject to policy terms.

Consumable Cover
Reassure 2.0 Gold Consumables and non-payable items are not covered under the base plan. Optional Safeguard covers specified List I items, while Safeguard+ covers specified items under Lists I to IV.
VS VS
HeartBeat Platinum Allowable consumables during hospitalisation are covered. Items included in the applicable non-payable list are excluded.

AYUSH Treatment
Reassure 2.0 Gold Eligible in-patient AYUSH treatment is covered up to the Sum Insured for admissions of at least 24 hours in an AYUSH hospital. Yoga and Naturopathy claims require prior approval.
VS VS
HeartBeat Platinum Covers eligible inpatient treatment under Ayurveda, Unani, Siddha and Homeopathy up to Sum Insured, subject to policy terms.

Initial Waiting Period
Reassure 2.0 Gold 30 days. Accidents are covered from Day 1, subject to policy terms.
VS VS
HeartBeat Platinum 30 days for illnesses. Accidents are covered from day one. The initial waiting period is waived for insured persons with 12 or more months of continuous coverage, subject to policy terms.

Specific Waiting Period
Reassure 2.0 Gold 24 months for listed conditions and procedures. The waiting period does not apply to accidents. Cancer is covered after the initial 30-day waiting period, subject to policy terms.
VS VS
HeartBeat Platinum 24 months for listed conditions such as cataract, hernia, joint replacement, piles and stones. This applies only to insured persons above 45 years at first policy inception. No specific waiting period applies to those aged 45 or below at entry.

PED Waiting Period
Reassure 2.0 Gold 36 months of continuous coverage for pre-existing diseases. Optional PED Waiting Time Modification can reduce this to 1 or 2 years at additional premium.
VS VS
HeartBeat Platinum 24 months of continuous coverage for declared pre-existing diseases.

Modern Treatment
Reassure 2.0 Gold Covered up to the Sum Insured for 12 listed procedures, including robotic surgery, oral chemotherapy, stem cell therapy, deep brain stimulation and intravitreal injections. For Sum Insured up to ₹10 lakh, cataract cover is limited to a monofocal lens, subject to policy terms.
VS VS
HeartBeat Platinum Covers 12 listed modern treatments, including robotic surgery, oral chemotherapy, immunotherapy and stem cell therapy, up to Sum Insured. A ₹1 lakh sublimit applies to certain robotic surgeries.

Annual Health Checkup
Reassure 2.0 Gold Available from Day 1, once every policy year. The benefit is ₹500 per ₹1 lakh of Base Sum Insured, capped at ₹5,000 per insured individual or ₹10,000 per floater policy. Cashless only, booked through the Niva Bupa app, subject to policy terms.
VS VS
HeartBeat Platinum Annual health check-ups from the second policy year, on a cashless basis through empanelled providers. Test value: ₹3,750 for ₹15 lakh SI and ₹5,000 for ₹20 lakh, ₹50 lakh and ₹1 crore SI. Family First Platinum provides ₹5,000 per insured person.

Pre-Hospitalisation
Reassure 2.0 Gold Eligible pre-hospitalisation expenses are covered for up to 60 days, up to the Sum Insured.
VS VS
HeartBeat Platinum Covered for 60 days, up to Sum Insured.

Post-Hospitalisation
Reassure 2.0 Gold Eligible post-hospitalisation expenses are covered for up to 180 days, up to the Sum Insured.
VS VS
HeartBeat Platinum Covered for 90 days, up to Sum Insured.

Outpatient Department Cover (OPD Expense)
Reassure 2.0 Gold Routine OPD expenses are not covered under the base plan. Unlimited e-consultations with network partners are included.
VS VS
HeartBeat Platinum Covers eligible outpatient treatment, diagnostic tests and prescribed medicines. Limits: ₹15,000 for ₹15 lakh SI; ₹20,000 for ₹20 lakh SI; ₹35,000 for ₹50 lakh SI; ₹50,000 for ₹1 crore SI. Family First Platinum: ₹35,000. Subject to policy terms.

Deductible Option
Reassure 2.0 Gold The prospectus lists an optional annual aggregate deductible of ₹10,000, ₹20,000, ₹30,000, ₹50,000 or ₹1,00,000 for the Bronze/Silver/Gold group. The Gold single-sheeter does not list this benefit, so availability for the Gold variant and sales channel requires confirmation.
VS VS
HeartBeat Platinum Optional annual aggregate deductible options are available for eligible Individual/Family Floater policies: ₹10,000, ₹20,000, ₹30,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹4 lakh, ₹5 lakh or ₹10 lakh.

Coverage Options
Reassure 2.0 Gold Base Sum Insured options listed in the reviewed single-sheeter are ₹5 lakh, ₹7.5 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh, ₹25 lakh, ₹50 lakh and ₹1 crore. Individual cover for up to 6 members or family floater options are listed, with 1-year, 2-year and 3-year policy terms. Confirm the ₹7.5 lakh option against the insurer's latest schedule before publication.
VS VS
HeartBeat Platinum Individual/Family Floater Platinum offers Base SI of ₹15 lakh, ₹20 lakh, ₹50 lakh and ₹1 crore. Family First Platinum has a separate per-person and floater Sum Insured structure. Policy terms of 1 or 2 years are available, subject to the applicable option.

Claim Settlement Ratio
Reassure 2.0 Gold 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 Gold-specific ratio. Niva Bupa's company-level figure was 94.4% for FY 2025-26.
VS VS
HeartBeat Platinum 96.0% of HeartBeat claims settled by number in FY 2025-26, according to the insurer's product-level public disclosure. Company-level figure reported in the annual report: 94.4%.

Maternity Cover
Reassure 2.0 Gold Maternity expenses are excluded under the standard policy terms. Ectopic pregnancy is treated separately in the exclusion wording.
VS VS
HeartBeat Platinum Covers up to two pregnancies or terminations under eligible policy structures after the applicable waiting period. Individual/Family Floater Platinum limits: ₹1.2 lakh for ₹15 lakh SI; ₹1.6 lakh for ₹20 lakh SI; ₹2 lakh for ₹50 lakh and ₹1 crore SI. Newborn cover and first-year vaccinations are included subject to policy conditions.

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

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Covers delivery, newborn care, and maternity expenses
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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

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Reassure 2.0 Gold vs Optima Secure Global Plus

Reassure 2.0 Gold vs Health Cardiac Care Silver & Gold Plan

Reassure 2.0 Gold vs myHealth Suraksha Gold

Reassure 2.0 Gold vs LifeTime Health Global

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Reassure 2.0 Gold vs Activ Health Platinum Essential

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Reassure 2.0 Gold vs Enhance Super Top-up Two

Reassure 2.0 Gold vs Medicare Protect

Reassure 2.0 Gold vs Activ One SAVR

Reassure 2.0 Gold vs Active Assure Diamond

Reassure 2.0 Gold vs Activ One VIP

Reassure 2.0 Gold vs Health Pulse Classic

Reassure 2.0 Gold vs Advantage

Reassure 2.0 Gold vs Special Care Gold

Reassure 2.0 Gold vs Activ One Max

Reassure 2.0 Gold vs Classic

Reassure 2.0 Gold vs Activ One Vytl

Reassure 2.0 Gold vs Supreme

Reassure 2.0 Gold vs Freedom

Reassure 2.0 Gold vs Sarvah Pratham

Reassure 2.0 Gold vs Joy Today

Reassure 2.0 Gold vs Medi Classic

Reassure 2.0 Gold vs Activate Booster Plan B

Reassure 2.0 Gold vs Aspire Gold+

Reassure 2.0 Gold vs Aspire Platinum+

Reassure 2.0 Gold vs Plus Complete

Reassure 2.0 Gold vs Reassure 2.0 Platinum+

Reassure 2.0 Gold vs Elder Care

Reassure 2.0 Gold vs Reassure 3.0 Elite

Reassure 2.0 Gold vs EquiCover

Reassure 2.0 Gold vs Young Star Gold

Reassure 2.0 Gold vs Enhance Super Top-up One

Reassure 2.0 Gold vs Joy Tomorrow

Reassure 2.0 Gold vs Activ One VIP+

Reassure 2.0 Gold vs Reassure 3.0 Select

Reassure 2.0 Gold vs Red Carpet Senior Citizens

Reassure 2.0 Gold vs Medicare Premier

Reassure 2.0 Gold vs Family Health Optima

Reassure 2.0 Gold vs Health Companion Variant 2022

Reassure 2.0 Gold vs Health Companion Variant 3

Reassure 2.0 Gold vs Plus Youth

Reassure 2.0 Gold vs Assure

Reassure 2.0 Gold vs Health Premia Gold

Reassure 2.0 Gold vs Health Premia Platinum

Reassure 2.0 Gold vs Cancer Care Platinum

Reassure 2.0 Gold vs Optima Lite

Reassure 2.0 Gold vs ProHealth Prime Protect

Reassure 2.0 Gold vs Comprehensive

Reassure 2.0 Gold vs HeartBeat Enhanced

Reassure 2.0 Gold vs Reassure

Reassure 2.0 Gold vs Supreme Senior Premium

Reassure 2.0 Gold vs Health Recharge Super Top Up Plan

Reassure 2.0 Gold vs Reassure 3.0

Reassure 2.0 Gold vs myHealth Suraksha Platinum

Reassure 2.0 Gold vs Supreme Value for Money

Reassure 2.0 Gold vs Supreme Senior Super

Reassure 2.0 Gold vs Supreme Enhance

Reassure 2.0 Gold vs Medicare

Reassure 2.0 Gold vs Ultimate (Direct)

Reassure 2.0 Gold vs Young Star

Reassure 2.0 Gold vs Sarvah Param

Reassure 2.0 Gold vs Optima Insurance

Reassure 2.0 Gold vs Smart Super Health Assure

Reassure 2.0 Gold vs Reassure 3.0 Black

Reassure 2.0 Gold vs Health Guard Platinum

Reassure 2.0 Gold vs Health Guard Gold

Reassure 2.0 Gold vs Elevate (Direct)

Reassure 2.0 Gold vs Extra Care Plus Super Top-up

Reassure 2.0 Gold vs Health Care Supreme Smart

Reassure 2.0 Gold vs Smart Health Pro

Reassure 2.0 Gold vs Medi Classic Gold

Reassure 2.0 Gold vs Optima Super Secure

Reassure 2.0 Gold vs Special Care

Reassure 2.0 Gold vs Medicare LITE

Reassure 2.0 Gold vs Health Shield 360

Reassure 2.0 Gold vs SecureHealth

Reassure 2.0 Gold vs Supreme (Direct)

Reassure 2.0 Gold vs Plus

Reassure 2.0 Gold vs Mediclaim Insurance Policy

Reassure 2.0 Gold vs Medicare Select

Reassure 2.0 Gold vs Health Gain

Reassure 2.0 Gold vs myHealth Koti Suraksha

Reassure 2.0 Gold vs Senior

Reassure 2.0 Gold vs myHealth Suraksha Silver

Reassure 2.0 Gold vs Cardiac Care Platinum

Reassure 2.0 Gold vs Royal Sundaram Lifeline Elite

Reassure 2.0 Gold vs Super Surplus Gold

Reassure 2.0 Gold vs Supreme Enhance One

Reassure 2.0 Gold vs Supreme Enhance Two

Reassure 2.0 Gold vs HeartBeat Platinum

Reassure 2.0 Gold vs HeartBeat Gold

Reassure 2.0 Gold vs Health SuperCharge

Reassure 2.0 Gold vs Aspire Titanium+

Reassure 2.0 Gold vs iHealth Plus

Reassure 2.0 Gold vs ProHealth Prime Advantage

Reassure 2.0 Gold vs Active Fit Preferred

Reassure 2.0 Gold vs Reassure 3.0 Classic

Reassure 2.0 Gold vs Senior Health Advantage

Reassure 2.0 Gold vs Health Wallet

Reassure 2.0 Gold vs Elevate

Reassure 2.0 Gold vs Heart

Reassure 2.0 Gold vs LifeTime Health

Reassure 2.0 Gold vs Reassure 2.0 Titanium+

Reassure 2.0 Gold vs ProHealth Prime Active

Reassure 2.0 Gold vs ProHealth Prime Senior Elite

Reassure 2.0 Gold vs Advanced Top Up

Reassure 2.0 Gold vs Multiplier Health

Reassure 2.0 Gold vs Diabetes Safe Plan A

Reassure 2.0 Gold vs Reassure 2.0 Bronze+

Reassure 2.0 Gold vs Enhance Super Top-up

Reassure 2.0 Gold vs Young Star Silver

Reassure 2.0 Gold vs Star Women Care Policy

Reassure 2.0 Gold vs Joy

Reassure 2.0 Gold vs Supreme Senior Health AdvantEdge

Reassure 2.0 Gold vs Family Plus

Reassure 2.0 Gold vs Criti Shield Plus

Reassure 2.0 Gold vs Health Care Supreme Ultimo

Reassure 2.0 Gold vs Health Shield 360 Retail

Reassure 2.0 Gold vs Super Star

Reassure 2.0 Gold vs Supreme Super Saver

Reassure 2.0 Gold vs Senior First Platinum

Reassure 2.0 Gold vs Optima Secure Global

Reassure 2.0 Gold vs NextGen

Reassure 2.0 Gold vs Health Insurance Platinum

Reassure 2.0 Gold vs Energy Silver With Copay

Reassure 2.0 Gold vs Optima Secure

Reassure 2.0 Gold vs Super Mediclaim

Reassure 2.0 Gold vs Health Recharge

Reassure 2.0 Gold vs Cancer Cover Activ Cancer Secure Plan

Reassure 2.0 Gold vs Optima Secure Plus

HeartBeat Platinum vs Optima Secure

HeartBeat Platinum vs Super Mediclaim

HeartBeat Platinum vs Health Recharge

HeartBeat Platinum vs Cancer Cover Activ Cancer Secure Plan

HeartBeat Platinum vs Optima Secure Plus

HeartBeat Platinum vs Women Care

HeartBeat Platinum vs Aspire Diamond+

HeartBeat Platinum vs Activate Booster Plan A

HeartBeat Platinum vs Active Care Premier

HeartBeat Platinum vs ProHealth Accumulate

HeartBeat Platinum vs Health Super Saver Standard

HeartBeat Platinum vs Supreme Shine

HeartBeat Platinum vs Optima Secure Global Plus

HeartBeat Platinum vs Health Cardiac Care Silver & Gold Plan

HeartBeat Platinum vs myHealth Suraksha Gold

HeartBeat Platinum vs LifeTime Health Global

HeartBeat Platinum vs Active Fit Plus

HeartBeat Platinum vs OneHealth Premium

HeartBeat Platinum vs Activ Health Platinum Essential

HeartBeat Platinum vs Medicare Plus

HeartBeat Platinum vs Medicare Senior

HeartBeat Platinum vs Enhance Super Top-up Two

HeartBeat Platinum vs Medicare Protect

HeartBeat Platinum vs Activ One SAVR

HeartBeat Platinum vs Active Assure Diamond

HeartBeat Platinum vs Activ One VIP

HeartBeat Platinum vs Health Pulse Classic

HeartBeat Platinum vs Advantage

HeartBeat Platinum vs Special Care Gold

HeartBeat Platinum vs Activ One Max

HeartBeat Platinum vs Classic

HeartBeat Platinum vs Activ One Vytl

HeartBeat Platinum vs Supreme

HeartBeat Platinum vs Freedom

HeartBeat Platinum vs Sarvah Pratham

HeartBeat Platinum vs Joy Today

HeartBeat Platinum vs Medi Classic

HeartBeat Platinum vs Activate Booster Plan B

HeartBeat Platinum vs Aspire Gold+

HeartBeat Platinum vs Aspire Platinum+

HeartBeat Platinum vs Plus Complete

HeartBeat Platinum vs Reassure 2.0 Platinum+

HeartBeat Platinum vs Elder Care

HeartBeat Platinum vs Reassure 3.0 Elite

HeartBeat Platinum vs EquiCover

HeartBeat Platinum vs Young Star Gold

HeartBeat Platinum vs Enhance Super Top-up One

HeartBeat Platinum vs Joy Tomorrow

HeartBeat Platinum vs Activ One VIP+

HeartBeat Platinum vs Reassure 3.0 Select

HeartBeat Platinum vs Red Carpet Senior Citizens

HeartBeat Platinum vs Medicare Premier

HeartBeat Platinum vs Family Health Optima

HeartBeat Platinum vs Health Companion Variant 2022

HeartBeat Platinum vs Health Companion Variant 3

HeartBeat Platinum vs Plus Youth

HeartBeat Platinum vs Assure

HeartBeat Platinum vs Health Premia Gold

HeartBeat Platinum vs Health Premia Platinum

HeartBeat Platinum vs Cancer Care Platinum

HeartBeat Platinum vs Optima Lite

HeartBeat Platinum vs ProHealth Prime Protect

HeartBeat Platinum vs Comprehensive

HeartBeat Platinum vs HeartBeat Enhanced

HeartBeat Platinum vs Reassure

HeartBeat Platinum vs Supreme Senior Premium

HeartBeat Platinum vs Health Recharge Super Top Up Plan

HeartBeat Platinum vs Reassure 3.0

HeartBeat Platinum vs myHealth Suraksha Platinum

HeartBeat Platinum vs Supreme Value for Money

HeartBeat Platinum vs Supreme Senior Super

HeartBeat Platinum vs Supreme Enhance

HeartBeat Platinum vs Reassure 2.0 Gold

HeartBeat Platinum vs Medicare

HeartBeat Platinum vs Ultimate (Direct)

HeartBeat Platinum vs Young Star

HeartBeat Platinum vs Sarvah Param

HeartBeat Platinum vs Optima Insurance

HeartBeat Platinum vs Smart Super Health Assure

HeartBeat Platinum vs Reassure 3.0 Black

HeartBeat Platinum vs Health Guard Platinum

HeartBeat Platinum vs Health Guard Gold

HeartBeat Platinum vs Elevate (Direct)

HeartBeat Platinum vs Extra Care Plus Super Top-up

HeartBeat Platinum vs Health Care Supreme Smart

HeartBeat Platinum vs Smart Health Pro

HeartBeat Platinum vs Medi Classic Gold

HeartBeat Platinum vs Optima Super Secure

HeartBeat Platinum vs Special Care

HeartBeat Platinum vs Medicare LITE

HeartBeat Platinum vs Health Shield 360

HeartBeat Platinum vs SecureHealth

HeartBeat Platinum vs Supreme (Direct)

HeartBeat Platinum vs Plus

HeartBeat Platinum vs Mediclaim Insurance Policy

HeartBeat Platinum vs Medicare Select

HeartBeat Platinum vs Health Gain

HeartBeat Platinum vs myHealth Koti Suraksha

HeartBeat Platinum vs Senior

HeartBeat Platinum vs myHealth Suraksha Silver

HeartBeat Platinum vs Cardiac Care Platinum

HeartBeat Platinum vs Royal Sundaram Lifeline Elite

HeartBeat Platinum vs Super Surplus Gold

HeartBeat Platinum vs Supreme Enhance One

HeartBeat Platinum vs Supreme Enhance Two

HeartBeat Platinum vs HeartBeat Gold

HeartBeat Platinum vs Health SuperCharge

HeartBeat Platinum vs Aspire Titanium+

HeartBeat Platinum vs iHealth Plus

HeartBeat Platinum vs ProHealth Prime Advantage

HeartBeat Platinum vs Active Fit Preferred

HeartBeat Platinum vs Reassure 3.0 Classic

HeartBeat Platinum vs Senior Health Advantage

HeartBeat Platinum vs Health Wallet

HeartBeat Platinum vs Elevate

HeartBeat Platinum vs Heart

HeartBeat Platinum vs LifeTime Health

HeartBeat Platinum vs Reassure 2.0 Titanium+

HeartBeat Platinum vs ProHealth Prime Active

HeartBeat Platinum vs ProHealth Prime Senior Elite

HeartBeat Platinum vs Advanced Top Up

HeartBeat Platinum vs Multiplier Health

HeartBeat Platinum vs Diabetes Safe Plan A

HeartBeat Platinum vs Reassure 2.0 Bronze+

HeartBeat Platinum vs Enhance Super Top-up

HeartBeat Platinum vs Young Star Silver

HeartBeat Platinum vs Star Women Care Policy

HeartBeat Platinum vs Joy

HeartBeat Platinum vs Supreme Senior Health AdvantEdge

HeartBeat Platinum vs Family Plus

HeartBeat Platinum vs Criti Shield Plus

HeartBeat Platinum vs Health Care Supreme Ultimo

HeartBeat Platinum vs Health Shield 360 Retail

HeartBeat Platinum vs Super Star

HeartBeat Platinum vs Supreme Super Saver

HeartBeat Platinum vs Senior First Platinum

HeartBeat Platinum vs Optima Secure Global

HeartBeat Platinum vs NextGen

HeartBeat Platinum vs Health Insurance Platinum

HeartBeat Platinum vs Energy Silver With Copay

HeartBeat Platinum vs Optima Secure

HeartBeat Platinum vs Super Mediclaim

HeartBeat Platinum vs Health Recharge

HeartBeat Platinum vs Cancer Cover Activ Cancer Secure Plan

HeartBeat Platinum vs Optima Secure Plus

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