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Insurance Plans Comparison

Niva Bupa Reassure 2.0 Titanium+ vs Star Comprehensive

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 Titanium+

Comprehensive health insurance with unlimited ReAssure+ claims benefit and up to 10X Booster+ accumulation.

What Makes It Special:

Niva Bupa ReAssure 2.0 Titanium+ combines hospitalisation coverage with benefits designed to support long-term medical expenses. ReAssure+ is triggered after the first paid eligible claim and provides unlimited additional claim capacity, subject to a maximum of the Base Sum Insured for each claim under that benefit. Booster+ carries forward unused...

Best For:

  • Premium All-Round Health Coverage

  • High-Sum Insured Family Plan

  • Unlimited Restoration Medical Insurance

  • Global Treatment Protection Policy

VS
Star

Comprehensive

Family health insurance with maternity, OPD, dental and eye cover, 100% restoration and up to 100% cumulative bonus.

What Makes It Special:

An all-in-one family health plan that combines hospitalisation cover with maternity and new-born cover, OPD consultations, dental and eye care, hospital cash, bariatric surgery and accidental death/disability cover in a single policy.

Best For:

  • People under 61 who want to avoid co-payment

  • Buyers looking for a fast-growing bonus (100% after one claim-free year for SI ₹7.5L+)

  • People who want OPD, dental and eye expenses included

  • Families wanting individual or floater cover up to ₹1 crore

  • Young couples planning a family (maternity and new-born cover)

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 Titanium+

  • You need a very high sum insured with global coverage

  • You prefer unlimited restoration of coverage after every claim

  • You want modern treatment and maternity benefits included

  • You are looking for a premium family floater plan

  • You value wellness programs and annual health check-ups

Star Comprehensive

  • Things to Consider: Premiums vary by city zone.

  • Things to Consider: Modern treatments and bariatric surgery have sublimits.

  • Things to Consider: Maternity needs both spouses covered for 24 months, and delivery limits are modest at lower SI.

  • Things to Consider: 10% co-payment for people who join at age 61 or above.

  • Things to Consider: 36-month PED waiting period, unless you buy the optional PED buy-back (reduces it to 12 months).

  • Reasons to Consider: 60 days of pre- and 90 days of post-hospitalisation cover, plus air ambulance and home care.

  • Reasons to Consider: Cumulative bonus up to 100% of SI, plus 100% restoration once a year (usable for the same illness).

  • Reasons to Consider: OPD consultations and dental/eye treatment covered outside the Sum Insured.

  • Reasons to Consider: Delivery (up to 2) and new-born cover after 24 months.

  • Reasons to Consider: Private single AC room with no fixed room rent cap.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Reassure 2.0 Titanium+
Reassure 2.0 Titanium+

Health Insurance Plan

Brochure

Policy Wording

VS
Comprehensive
Comprehensive

Health Insurance Plan

Brochure

Room Rent

Reassure 2.0 Titanium+

All room categories are covered

VS

Comprehensive

Information Unavailable

ICU Charges

Reassure 2.0 Titanium+

No restriction on ICU room rent

VS

Comprehensive

Covered up to Sum Insured; no separate ICU cap.

Advanced Treatments

Reassure 2.0 Titanium+

Information Unavailable

VS

Comprehensive

Coverage includes robotic surgeries, stem cell therapy, organ transplants, modern cancer treatments, bariatric surgery, and advanced cardiac procedures as per policy terms.

Co-payment

Reassure 2.0 Titanium+

Not available

VS

Comprehensive

This policy is subject to co-payment of 10% of each and every claim amount for fresh as well as renewal policies for insured persons whose age at the time of entry is 61 years and above

Disease-wise sublimits

Reassure 2.0 Titanium+

No

VS

Comprehensive

Information Unavailable

Waiting Period

Reassure 2.0 Titanium+

Information Unavailable

VS

Comprehensive

  1. Initial Waiting Period: A 30-day waiting period applies from the policy's inception, during which claims are not admissible, except for those arising from accidents. 
     
  2. Pre-existing Disease Waiting Period: For the Silver plan, pre-existing diseases are covered after 48 months of continuous coverage. For Gold and Platinum plans, this period is reduced to 24 months.
     
  3. Specific Disease/Procedure Waiting Period: For individuals above 45 years of age, certain listed illnesses and procedures are covered after a 24-month waiting period from the policy's inception.
Restoration Benefit

Reassure 2.0 Titanium+

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

(per claim in a policy year for related/unrelated illnesses)

VS

Comprehensive

Information Unavailable

Cashless Healthcare Providers

Reassure 2.0 Titanium+

10,000+ Healthcare Providers

VS

Comprehensive

Access to over 14,000+  cashless healthcare providers for seamless treatment.

Daycare Treatment

Reassure 2.0 Titanium+

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

VS

Comprehensive

covered by the policy.

Cumulative Bonus

Reassure 2.0 Titanium+

Your sum insured increases by 100% every year, maximum up to 1000%


VS

Comprehensive

SI ₹5L: 50% of Basic SI per claim-free year, max 100%. SI ₹7.5L and above: 100% of Basic SI after one claim-free year, max 100%.

AYUSH Treatment

Reassure 2.0 Titanium+

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

VS

Comprehensive

AYUSH treatments are covered up to the sum insured.

Consumable Cover

Reassure 2.0 Titanium+

No. However, available as an add-on

VS

Comprehensive

Not mentioned (no separate consumables cover in the policy documents).

Initial Waiting Period

Reassure 2.0 Titanium+

30 days

VS

Comprehensive

30 days (accidents excepted)

Specific Waiting Period

Reassure 2.0 Titanium+

2 years

VS

Comprehensive

24 months for listed diseases/procedures; 36 months for Bariatric Surgery; 24 months for Delivery and New Born cover

PED Waiting Period

Reassure 2.0 Titanium+

3 years
 

VS

Comprehensive

Information Unavailable

Modern Treatment

Reassure 2.0 Titanium+

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

VS

Comprehensive

  1. Covered up to treatment-wise sublimits that vary by Sum Insured, e.g. robotic surgery ₹2.5L (SI ₹5L) to ₹7.5L (SI ₹1 Cr); immunotherapy ₹2.5L to ₹10L; bronchial thermoplasty, prostate vaporisation and IONM up to Sum Insured. Part of Sum Insured.
Annual Health Checkup

Reassure 2.0 Titanium+

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

VS

Comprehensive

Information Unavailable

Pre-Hospitalisation

Reassure 2.0 Titanium+

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

VS

Comprehensive

Information Unavailable

Post-Hospitalisation

Reassure 2.0 Titanium+

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

VS

Comprehensive

Information Unavailable

Outpatient Department Cover (OPD Expense)

Reassure 2.0 Titanium+

OPD expense is not included

VS

Comprehensive

Information Unavailable

Deductible Option

Reassure 2.0 Titanium+

Available as an option

VS

Comprehensive

Information Unavailable

Coverage Options

Reassure 2.0 Titanium+

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

VS

Comprehensive

Information Unavailable

Claim Settlement Ratio

Reassure 2.0 Titanium+

92.02%

VS

Comprehensive

Information Unavailable

Maternity Cover

Reassure 2.0 Titanium+

Not available

VS

Comprehensive

Information Unavailable

Insurance Plans Comparison

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Why Choose Our Expert Consultation?

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Free Expert Consultation

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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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