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Insurance Plans Comparison

Niva Bupa Reassure 2.0 Bronze+ vs Star Health Gain

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

Health Gain

Flexible Health Insurance with Hospitalisation and OPD Benefits

What Makes It Special:

Inpatient Hospitalisation and Outpatient Medical Expenses

Best For:

  • Customers looking for daycare and eligible AYUSH treatment coverage.

  • Customers who use outpatient services at networked facilities.

  • Customers seeking flexible Sum Insured options.

  • Families looking for Individual or Family Floater coverage.

  • Individuals seeking inpatient and outpatient health insurance benefits.

Insurance Plans Comparison

Get Personalized Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Quick Decision Guide

Niva Bupa Reassure 2.0 Bronze+

  • You want affordable coverage with comprehensive benefits

  • You need restoration of the unused sum insured

  • You’re looking for essential coverage without extra frills

  • You expect no co-payment or sub-limits on care

  • You prefer day-one health check-ups and e-consults

Star Health Gain

  • Check the treatment-specific sublimits.

  • Review the pre- and post-hospitalisation benefit periods.

  • Check the selected OPD benefit limit.

  • Understand the waiting periods for pre-existing diseases and specified treatments.

  • Review the co-payment applicable to entry age 61 and above.

  • Check the room rent limit.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Reassure 2.0 Bronze+
Reassure 2.0 Bronze+

Health Insurance Plan

Brochure

Policy Wording

VS
Health Gain
Health Gain

Health Insurance Plan

Brochure

Room Rent

Reassure 2.0 Bronze+

All room categories are covered

VS

Health Gain

  1. Up to 1% of the basic Sum Insured per day.
ICU Charges

Reassure 2.0 Bronze+

No restriction on ICU room rent

VS

Health Gain

Covered as part of eligible hospitalisation expenses.

Co-payment

Reassure 2.0 Bronze+

Not available

VS

Health Gain

20% for insured persons whose age at entry is 61 years and above.

Disease-wise sublimits

Reassure 2.0 Bronze+

No

VS

Health Gain

Sublimits apply to specified treatments, including cataract and listed modern treatments.

Cashless Healthcare Providers

Reassure 2.0 Bronze+

10,000+ Healthcare Providers

VS

Health Gain

Cashless treatment is available at eligible network hospitals, subject to pre-authorisation.

Restoration Benefit

Reassure 2.0 Bronze+

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

VS

Health Gain

Not specified.

Daycare Treatment

Reassure 2.0 Bronze+

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

VS

Health Gain

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

Health Gain

Not specified.

AYUSH Treatment

Reassure 2.0 Bronze+

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

VS

Health Gain

Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered, subject to policy terms.

Consumable Cover

Reassure 2.0 Bronze+

No. However, available as an add-on

VS

Health Gain

Not specified.

Initial Waiting Period

Reassure 2.0 Bronze+

30 days

VS

Health Gain

30 days, except for covered accident-related claims.

Specific Waiting Period

Reassure 2.0 Bronze+

2 years

VS

Health Gain

24 months for specified diseases and procedures.

PED Waiting Period

Reassure 2.0 Bronze+

3 years

VS

Health Gain

36 months for pre-existing diseases.

Modern Treatment

Reassure 2.0 Bronze+

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

VS

Health Gain

Specified modern treatments are covered, subject to policy limits.

Annual Health Checkup

Reassure 2.0 Bronze+

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

VS

Health Gain

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

Health Gain

Covered for 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

Health Gain

Covered for up to 60 days after discharge.

Outpatient Department Cover (OPD Expense)

Reassure 2.0 Bronze+

OPD expense is not included

VS

Health Gain

Available at networked facilities in India, up to the selected benefit limit.

Deductible Option

Reassure 2.0 Bronze+

Available as an option

VS

Health Gain

Not specified.

Coverage Options

Reassure 2.0 Bronze+

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

VS

Health Gain

Individual and Family Floater.

Claim Settlement Ratio

Reassure 2.0 Bronze+

92.02%

VS

Health Gain

Insurer-level metric, not a policy benefit.

Maternity Cover

Reassure 2.0 Bronze+

Not available

VS

Health Gain

Maternity expenses are excluded, except for the specified ectopic pregnancy exception.

Insurance Plans Comparison

Still Confused? Get Expert Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Why Choose Our Expert Consultation?

End-to-End Support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

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

24/7 Claim Assistance

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

Expert-Led Policy Review

  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

Smart, Tech-Enabled Experience

  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

Having questions? We've got answers. Explore our FAQs to find the information you need.

1-5 of 10 FAQs

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