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.

Oneassure

Health Insurance

Compare Health Insurance Plans

Platinum+ Vs Bronze+

Insurance Plans Comparison

Niva Bupa Health Insurance Platinum+ vs Niva Bupa Health Insurance Bronze+

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...

Platinum+

What Makes It Special:

Niva Bupa ReAssure 2.0 Platinum is a top-tier health insurance plan offering sum insured options from ₹5 lakh up to ₹1 crore, with no room rent caps or co-payment. It provides unlimited reinstatement of cover from the first claim (ReAssure Forever) and Booster+, which lets unused cover accumulate up to 5–10× base sum insured. The...

Best For:

Comprehensive Premium Health Coverage
High-Limit Family Floater Plan
Unlimited Restoration Insurance Policy
Advanced Treatment Global Care Plan

VS

Bronze+

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

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

Platinum+

You need very high medical coverage limit up to ₹1 crore
You prefer unlimited sum insured restoration after every claim
You want no room rent or ICU restrictions
You value modern treatment and maternity benefits included
You enjoy annual health check-ups and wellness perks from day one

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

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Platinum+

Health Insurance Plan

Brochure

Policy Wording

VS

Bronze+

Health Insurance Plan

Brochure

Policy Wording

Cashless Healthcare Providers
Platinum+ 10,000+ Healthcare Providers	Bronze+ 10,000+ Healthcare Providers

AYUSH Treatment
Platinum+ Covers AYUSH treatment expenses up to your annual sum insured during the policy period	Bronze+ Covers AYUSH treatment expenses up to your annual sum insured during the policy period

ICU Charges
Platinum+ No restriction on ICU room rent	Bronze+ No restriction on ICU room rent

Disease-wise sublimits
Platinum+ No	Bronze+ No

Cumulative Bonus
Platinum+ Your sum insured increases by 100% every year, maximum up to 500%	Bronze+ Your sum insured increases by 100% every year, maximum up to 300%

Consumable Cover
Platinum+ No. However, available as an add-on	Bronze+ No. However, available as an add-on

Initial Waiting Period
Platinum+ 30 days	Bronze+ 30 days

Specific Waiting Period
Platinum+ 2 years	Bronze+ 2 years

PED Waiting Period
Platinum+ 3 years	Bronze+ 3 years

Annual Health Checkup
Platinum+ Health check-up is available once every policy year, from day 1 of the policy	Bronze+ Health check-up is available once every policy year, from day 1 of the policy

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

Post-Hospitalisation
Platinum+ You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it	Bronze+ You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)
Platinum+ OPD expense is not included	Bronze+ OPD expense is not included

Deductible Option
Platinum+ Available as an option	Bronze+ Available as an option

Coverage Options
Platinum+ Available coverage options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L and ₹1 Cr	Bronze+ Available coverage options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L and ₹1 Cr

Claim Settlement Ratio
Platinum+ 90.10%	Bronze+ 90.10%

Maternity Cover
Platinum+ Not available	Bronze+ Not available

Modern Treatment
Platinum+ Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period	Bronze+ Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Pre-Hospitalisation
Platinum+ You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved	Bronze+ You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

Room Rent
Platinum+ All room categories are covered	Bronze+ All room categories are covered

Co-payment
Platinum+ Not available	Bronze+ Not available

Daycare Treatment
Platinum+ Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured	Bronze+ Daycare Treatment covers medical procedures that require less than 24 hours of hospitalisation due to advanced technology

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Platinum+

Health Insurance Plan

Brochure

Policy Wording

VS

Bronze+

Health Insurance Plan

Brochure

Policy Wording

Cashless Healthcare Providers
Platinum+ 10,000+ Healthcare Providers
VS VS
Bronze+ 10,000+ Healthcare Providers

AYUSH Treatment
Platinum+ Covers AYUSH treatment expenses up to your annual sum insured during the policy period
VS VS
Bronze+ Covers AYUSH treatment expenses up to your annual sum insured during the policy period

ICU Charges
Platinum+ No restriction on ICU room rent
VS VS
Bronze+ No restriction on ICU room rent

Disease-wise sublimits
Platinum+ No
VS VS
Bronze+ No

Cumulative Bonus
Platinum+ Your sum insured increases by 100% every year, maximum up to 500%
VS VS
Bronze+ Your sum insured increases by 100% every year, maximum up to 300%

Consumable Cover
Platinum+ No. However, available as an add-on
VS VS
Bronze+ No. However, available as an add-on

Initial Waiting Period
Platinum+ 30 days
VS VS
Bronze+ 30 days

Specific Waiting Period
Platinum+ 2 years
VS VS
Bronze+ 2 years

PED Waiting Period
Platinum+ 3 years
VS VS
Bronze+ 3 years

Annual Health Checkup
Platinum+ Health check-up is available once every policy year, from day 1 of the policy
VS VS
Bronze+ Health check-up is available once every policy year, from day 1 of the policy

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

Post-Hospitalisation
Platinum+ You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it
VS VS
Bronze+ You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)
Platinum+ OPD expense is not included
VS VS
Bronze+ OPD expense is not included

Deductible Option
Platinum+ Available as an option
VS VS
Bronze+ Available as an option

Coverage Options
Platinum+ Available coverage options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L and ₹1 Cr
VS VS
Bronze+ Available coverage options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L and ₹1 Cr

Claim Settlement Ratio
Platinum+ 90.10%
VS VS
Bronze+ 90.10%

Maternity Cover
Platinum+ Not available
VS VS
Bronze+ Not available

Modern Treatment
Platinum+ Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period
VS VS
Bronze+ Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Pre-Hospitalisation
Platinum+ You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved
VS VS
Bronze+ You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

Room Rent
Platinum+ All room categories are covered
VS VS
Bronze+ All room categories are covered

Co-payment
Platinum+ Not available
VS VS
Bronze+ Not available

Daycare Treatment
Platinum+ Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured
VS VS
Bronze+ Daycare Treatment covers medical procedures that require less than 24 hours of hospitalisation due to advanced technology

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

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

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

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

24/7 Claim Assistance

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

End-to-End Support

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

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

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

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

Discover the right insurance plan with our easy category guide

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

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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Bajaj Allianz My Healthcare Plan

Star Health Women

Bajaj Allianz Health Ensure

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Care Health Ultimate

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Oneassure

Health Insurance

Compare Health Insurance Plans

Platinum+ Vs Bronze+