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Insurance Plans Comparison

Niva Bupa Reassure 2.0 Bronze+ vs Star Diabetes Safe Plan A

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

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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
Star

Diabetes Safe Plan A

Health Insurance Designed for People with Type I or Type II Diabetes

What Makes It Special:

Diabetes-Focused Health Insurance

Best For:

  • Eligible couples considering individual or floater coverage.

  • Customers who want outpatient benefits at network hospitals and diagnostic centres.

  • Individuals looking for hospitalisation cover for other illnesses and accidental injuries.

  • Customers seeking cover for eligible diabetes complications.

  • Individuals aged 18 to 65 years with Type I or Type II Diabetes Mellitus.

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.

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

Star Diabetes Safe Plan A

  • Understand the restoration benefit and its individual-policy restriction.

  • Review the room category and pre- and post-hospitalisation limits.

  • Check cataract and modern treatment sublimits.

  • Review the Sum Insured and outpatient benefit limits.

  • Check the waiting period for diabetes complications under Plan B.

  • Understand the medical screening requirement under Plan A.

  • Compare Plan A and Plan B.

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
Diabetes Safe Plan A
Diabetes Safe Plan A

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Reassure 2.0 Bronze+

All room categories are covered

VS

Diabetes Safe Plan A

  1. Single standard air-conditioned room, subject to policy terms and applicable limits.
ICU Charges

Reassure 2.0 Bronze+

No restriction on ICU room rent

VS

Diabetes Safe Plan A

Covered as part of eligible hospitalisation expenses, subject to policy terms.

Co-payment

Reassure 2.0 Bronze+

Not available

VS

Diabetes Safe Plan A

Not specified.

Disease-wise sublimits

Reassure 2.0 Bronze+

No

VS

Diabetes Safe Plan A

Sublimits apply to specified treatments, including cataract and certain modern treatments. Plan B also has limits for specified cardiovascular complications.

Cashless Healthcare Providers

Reassure 2.0 Bronze+

10,000+ Healthcare Providers

VS

Diabetes Safe Plan A

Cashless treatment is available at eligible network hospitals, subject to authorisation and policy conditions.

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

Diabetes Safe Plan A

100% of the basic Sum Insured is restored once during the policy period for eligible Section 2 claims on individual policies. This benefit is not available on floater policies.

Daycare Treatment

Reassure 2.0 Bronze+

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

VS

Diabetes Safe Plan A

Eligible daycare procedures are covered, subject to policy terms.

Cumulative Bonus

Reassure 2.0 Bronze+

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

VS

Diabetes Safe Plan A

Not specified.

AYUSH Treatment

Reassure 2.0 Bronze+

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

VS

Diabetes Safe Plan A

Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered up to the Sum Insured, subject to policy terms. Yoga and Naturopathy require prior approval.

Consumable Cover

Reassure 2.0 Bronze+

No. However, available as an add-on

VS

Diabetes Safe Plan A

Not specified.

Initial Waiting Period

Reassure 2.0 Bronze+

30 days

VS

Diabetes Safe Plan A

  1. 30 days for applicable illnesses, except covered accidents. The waiting period applies according to the selected plan and policy section.
Specific Waiting Period

Reassure 2.0 Bronze+

2 years

VS

Diabetes Safe Plan A

24 months for specified diseases and procedures under applicable sections. A 12-month waiting period applies to specified diabetes complications under Plan B.

PED Waiting Period

Reassure 2.0 Bronze+

3 years

VS

Diabetes Safe Plan A

36 months for pre-existing diseases under applicable sections.

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

Diabetes Safe Plan A

  1. Specified modern treatments are covered, subject to treatment-specific limits.
Annual Health Checkup

Reassure 2.0 Bronze+

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

VS

Diabetes Safe Plan A

Not specified.

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

Diabetes Safe Plan A

Up to 30 days before hospital 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

Diabetes Safe Plan A

Up to 60 days after discharge, limited to 7% of eligible hospitalisation expenses and a maximum of ₹5,000 per hospitalisation.

Outpatient Department Cover (OPD Expense)

Reassure 2.0 Bronze+

OPD expense is not included

VS

Diabetes Safe Plan A

Covered at network hospitals and diagnostic centres. Limits vary by plan, Sum Insured and individual or floater basis.

Deductible Option

Reassure 2.0 Bronze+

Available as an option

VS

Diabetes Safe Plan A

Not specified.

Coverage Options

Reassure 2.0 Bronze+

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

VS

Diabetes Safe Plan A

Individual and Family Floater for self and spouse.

Claim Settlement Ratio

Reassure 2.0 Bronze+

92.02%

VS

Diabetes Safe Plan A

Insurer-level metric, not a policy benefit.

Maternity Cover

Reassure 2.0 Bronze+

Not available

VS

Diabetes Safe Plan A

Not covered, except ectopic pregnancy as specified in the policy.

Insurance Plans Comparison

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

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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

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Insurance Plans Comparison

Explore Insurance Category

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Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

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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.

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