Insurance Plans Comparison
Niva Bupa Reassure 3.0 Black vs Aditya Birla Active Care Premier
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreReassure 3.0 Black
Premium health insurance coverage with unlimited sum-insured options, flexible co-payment and deductible choices, and additional benefits subject to policy terms.
What Makes It Special:
Niva Bupa ReAssure 3.0 Black is the Black variant of the ReAssure 3.0 health insurance product. The supplied brochure lists coverage for hospitalisation expenses, modern treatments, AYUSH treatment, pre- and post-hospitalisation expenses, and ambulance services. It also describes benefits such as Lock the Clock, Live Healthy, Cash-Bag+, and optional Wellconsult+,...
Best For:
Buyers who want to explore premium-related benefits such as Lock the Clock and claim-free-year cashback through Cash-Bag+, subject to the applicable terms.
Individuals interested in additional benefits such as OPD services through Wellconsult+ or non-payable-item coverage through Claim Safeguard+, where available.
Buyers who value any-room coverage, as listed for the Black variant in the brochure.
Individuals who prefer the flexibility to choose a co-payment percentage or annual aggregate deductible.
Buyers seeking a health insurance plan with unlimited sum-insured options, subject to availability and policy conditions.
VS
Active Care Premier
Aditya Birla Activ Care Premiere
What Makes It Special:
Activ Care Premier is a senior citizen-focused health plan from Aditya Birla that upgrades classic senior cover with a Single Private Room, consumables coverage,and home care support, all with a shorter 2-year PED waiting period.
Best For:
Those looking for wellness-linked premium rewards
Buyers who prefer treatment at home through home care and domiciliary options
Those wanting a private room during hospitalisation
People managing chronic conditions like diabetes or hypertension
Senior citizens aged 46 to75 years
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
Optional benefits and exclusions: Confirm the availability and cost of Wellconsult+, Claim Safeguard+, Borderless, and other optional benefits, along with their individual limits and exclusions.
Room eligibility and network: Verify the any-room benefit, room-category restrictions, network hospitals, and potential co-payment when specified conditions are not met.
Co-payment and deductibles: Compare the available percentages and deductible amounts. Understand how these affect the amount payable during a claim.
Waiting periods: Check the initial waiting period, specific-disease waiting periods, and pre-existing disease waiting period. Confirm whether any optional modification has been accepted.
Sum insured: Confirm the available sum-insured options, premium, and the precise meaning of unlimited coverage under the policy.
Check the 20% co-payment and disease-wise sub-limits carefully before purchase
May not suit buyers wanting in-built OPD coverage
Suitable for buyers who value home nursing and domiciliary care options
Useful for people who want consumables coverage in the base plan
Good option if you're a senior wanting private-room comfort with a 2-year PED waiting period
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Reassure 3.0 Black Health Insurance Plan VS VS |
Active Care Premier Health Insurance Plan |
| Room Rent |
|---|
Reassure 3.0 Black Any room category covered up to SI with no room-type capping. |
VS VS |
Active Care Premier Single Private Room. ICU charges covered up to the Sum Insured. |
| ICU Charges |
|---|
Reassure 3.0 Black Covered as part of hospitalisation expenses up to applicable SI |
VS VS |
Active Care Premier Covered up to the Sum Insured. |
| Co-payment |
|---|
Reassure 3.0 Black Optional: 0%, 10%, 20%, 30%, 40%, 50% choices available. |
VS VS |
Active Care Premier 20% co-payment applies on admissible claims. |
| Disease-wise sublimits |
|---|
Reassure 3.0 Black No general disease-wise sublimit specified |
VS VS |
Active Care Premier Certain treatments carry sub-limits — including domiciliary hospitalisationcapped at10% of Sum Insured,and organ donor expenses up to50% of Sum Insured. |
| Cashless Healthcare Providers |
|---|
Reassure 3.0 Black Available through Niva Bupa network hospitals. |
VS VS |
Active Care Premier Cashless treatment available at 11,000+ network hospitals across India. |
| Restoration Benefit |
|---|
Reassure 3.0 Black ReAssure Forever: Base SI restored after first claim, unlimited times for life. |
VS VS |
Active Care Premier 100% of the Sum Insured is restored for subsequent hospitalisations due to a different illnessin the same policy year. |
| Cumulative Bonus |
|---|
Reassure 3.0 Black Booster+ add on: Accumulates up to 10X base SI carried forward annually. |
VS VS |
Active Care Premier Earn 10% of Base Sum Insured per claim-free year, accumulating up to a maximum of 50%. |
| Daycare Treatment |
|---|
Reassure 3.0 Black Eligible Day Care Treatments covered under hospitalisation benefit. |
VS VS |
Active Care Premier 586 daycare procedures covered, even when hospitalisationis less than24 hours. |
| Consumable Cover |
|---|
Reassure 3.0 Black Yes, medicines, drugs and consumables included in hospitalisation expenses. |
VS VS |
Active Care Premier Covered in the base plan, including non-medical consumables used during hospitalisation. |
| AYUSH Treatment |
|---|
Reassure 3.0 Black Covers AYUSH hospitalisation up to applicable SI |
VS VS |
Active Care Premier Covered for listed AYUSH treatments, subject to policy terms. |
| Initial Waiting Period |
|---|
Reassure 3.0 Black 30 days (standard terms apply). |
VS VS |
Active Care Premier 30 days from policy inception for general illnesses. Accidental hospitalisationis covered from day 1. |
| Specific Waiting Period |
|---|
Reassure 3.0 Black Standard period with option to modify to 12 or 36 months. |
VS VS |
Active Care Premier 2 years for listed specific illnesses and procedures. |
| PED Waiting Period |
|---|
Reassure 3.0 Black Standard 36 months with option to modify to 12 or 24 months |
VS VS |
Active Care Premier 2 years for pre-existing diseases — a shorter-than-usual waiting period, helpful for seniors managing chronic conditions. |
| Modern Treatment |
|---|
Reassure 3.0 Black Covers robotic surgery, oral chemotherapy, stereotactic radiosurgery, deep brain stimulation, intravitreal injections up to applicable SI. |
VS VS |
Active Care Premier Covered for listed modern treatment methods, subject to the policy's list of covered procedures. |
| Annual Health Checkup |
|---|
Reassure 3.0 Black Not in Black variant base; NivaBupaOne provides Executive Health Assessment separately. |
VS VS |
Active Care Premier Available as an add-on — the Advanced Health Check-up covers additional tests like mammography, PAP smear, thyroid function test, TMT, chest X-ray,and abdominal sonography on a cashless basis. |
| Pre-Hospitalisation |
|---|
Reassure 3.0 Black Up to 60 days before hospitalisation when related to approved claim. |
VS VS |
Active Care Premier Pre-hospitalisation medical expenses covered for30 days prior to hospitalisation. |
| Post-Hospitalisation |
|---|
Reassure 3.0 Black Up to 180 days after discharge for related eligible medical expenses. |
VS VS |
Active Care Premier Post-hospitalisation medical expenses covered for60 days following discharge. |
| Outpatient Department Cover (OPD Expense) |
|---|
Reassure 3.0 Black Not in base; Wellconsult+ available as optional OPD benefit. |
VS VS |
Active Care Premier Not covered in the base plan. Tele-OPD e-consultationsare available as an add-on. |
| Deductible Option |
|---|
Reassure 3.0 Black Annual Aggregate Deductible available: ₹10K to ₹5L range. |
VS VS |
Active Care Premier Not a core feature of this variant — verify availability from the policy wordings. |
| Coverage Options |
|---|
Reassure 3.0 Black ₹5L, ₹10L, Unlimited SI. |
VS VS |
Active Care Premier Sum Insured options from ₹3 lakh up to ₹10 lakh, designed for senior citizens. |
| Claim Settlement Ratio |
|---|
Reassure 3.0 Black 80% |
VS VS |
Active Care Premier Aditya Birla Health Insurance reports a 96% claim settlement ratio(3-year average. |
| Maternity Cover |
|---|
Reassure 3.0 Black Not in standard Black variant benefits. |
VS VS |
Active Care Premier Not available in this plan. |
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?
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
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
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.
Explore Our Most Popular Plans
Compare With Other Health Insurance Plans
Reassure 3.0 Black vs Optima Secure
Reassure 3.0 Black vs Super Mediclaim
Reassure 3.0 Black vs Health Recharge
Reassure 3.0 Black vs Cancer Cover Activ Cancer Secure Plan
Reassure 3.0 Black vs Optima Secure Plus
Reassure 3.0 Black vs Women Care
Reassure 3.0 Black vs Aspire Diamond+
Reassure 3.0 Black vs Activate Booster Plan A
Reassure 3.0 Black vs Active Care Premier
Reassure 3.0 Black vs ProHealth Accumulate
Reassure 3.0 Black vs Health Super Saver Standard
Reassure 3.0 Black vs Supreme Shine
Reassure 3.0 Black vs Optima Secure Global Plus
Reassure 3.0 Black vs Health Cardiac Care Silver & Gold Plan
Reassure 3.0 Black vs myHealth Suraksha Gold
Reassure 3.0 Black vs LifeTime Health Global
Reassure 3.0 Black vs Active Fit Plus
Reassure 3.0 Black vs OneHealth Premium
Reassure 3.0 Black vs Activ Health Platinum Essential
Reassure 3.0 Black vs Medicare Plus
Reassure 3.0 Black vs Medicare Senior
Reassure 3.0 Black vs Enhance Super Top-up Two
Reassure 3.0 Black vs Medicare Protect
Reassure 3.0 Black vs Activ One SAVR
Reassure 3.0 Black vs Active Assure Diamond
Reassure 3.0 Black vs Activ One VIP
Reassure 3.0 Black vs Health Pulse Classic
Reassure 3.0 Black vs Advantage
Reassure 3.0 Black vs Special Care Gold
Reassure 3.0 Black vs Activ One Max
Reassure 3.0 Black vs Classic
Reassure 3.0 Black vs Activ One Vytl
Reassure 3.0 Black vs Supreme
Reassure 3.0 Black vs Freedom
Reassure 3.0 Black vs Sarvah Pratham
Reassure 3.0 Black vs Joy Today
Reassure 3.0 Black vs Medi Classic
Reassure 3.0 Black vs Activate Booster Plan B
Reassure 3.0 Black vs Aspire Gold+
Reassure 3.0 Black vs Aspire Platinum+
Reassure 3.0 Black vs Plus Complete
Reassure 3.0 Black vs Reassure 2.0 Platinum+
Reassure 3.0 Black vs Elder Care
Reassure 3.0 Black vs Reassure 3.0 Elite
Reassure 3.0 Black vs EquiCover
Reassure 3.0 Black vs Young Star Gold
Reassure 3.0 Black vs Enhance Super Top-up One
Reassure 3.0 Black vs Joy Tomorrow
Reassure 3.0 Black vs Activ One VIP+
Reassure 3.0 Black vs Reassure 3.0 Select
Reassure 3.0 Black vs Red Carpet Senior Citizens
Reassure 3.0 Black vs Medicare Premier
Reassure 3.0 Black vs Family Health Optima
Reassure 3.0 Black vs Health Companion Variant 2022
Reassure 3.0 Black vs Health Companion Variant 3
Reassure 3.0 Black vs Plus Youth
Reassure 3.0 Black vs Assure
Reassure 3.0 Black vs Health Premia Gold
Reassure 3.0 Black vs Health Premia Platinum
Reassure 3.0 Black vs Cancer Care Platinum
Reassure 3.0 Black vs Optima Lite
Reassure 3.0 Black vs ProHealth Prime Protect
Reassure 3.0 Black vs Comprehensive
Reassure 3.0 Black vs HeartBeat Enhanced
Reassure 3.0 Black vs Reassure
Reassure 3.0 Black vs Supreme Senior Premium
Reassure 3.0 Black vs Health Recharge Super Top Up Plan
Reassure 3.0 Black vs Reassure 3.0
Reassure 3.0 Black vs myHealth Suraksha Platinum
Reassure 3.0 Black vs Supreme Value for Money
Reassure 3.0 Black vs Supreme Senior Super
Reassure 3.0 Black vs Supreme Enhance
Reassure 3.0 Black vs Reassure 2.0 Gold
Reassure 3.0 Black vs Medicare
Reassure 3.0 Black vs Ultimate (Direct)
Reassure 3.0 Black vs Young Star
Reassure 3.0 Black vs Sarvah Param
Reassure 3.0 Black vs Optima Insurance
Reassure 3.0 Black vs Smart Super Health Assure
Reassure 3.0 Black vs Health Guard Platinum
Reassure 3.0 Black vs Health Guard Gold
Reassure 3.0 Black vs Elevate (Direct)
Reassure 3.0 Black vs Extra Care Plus Super Top-up
Reassure 3.0 Black vs Health Care Supreme Smart
Reassure 3.0 Black vs Smart Health Pro
Reassure 3.0 Black vs Medi Classic Gold
Reassure 3.0 Black vs Optima Super Secure
Reassure 3.0 Black vs Special Care
Reassure 3.0 Black vs Medicare LITE
Reassure 3.0 Black vs Health Shield 360
Reassure 3.0 Black vs SecureHealth
Reassure 3.0 Black vs Supreme (Direct)
Reassure 3.0 Black vs Plus
Reassure 3.0 Black vs Mediclaim Insurance Policy
Reassure 3.0 Black vs Medicare Select
Reassure 3.0 Black vs Health Gain
Reassure 3.0 Black vs myHealth Koti Suraksha
Reassure 3.0 Black vs Senior
Reassure 3.0 Black vs myHealth Suraksha Silver
Reassure 3.0 Black vs Cardiac Care Platinum
Reassure 3.0 Black vs Royal Sundaram Lifeline Elite
Reassure 3.0 Black vs Super Surplus Gold
Reassure 3.0 Black vs Supreme Enhance One
Reassure 3.0 Black vs Supreme Enhance Two
Reassure 3.0 Black vs HeartBeat Platinum
Reassure 3.0 Black vs HeartBeat Gold
Reassure 3.0 Black vs Health SuperCharge
Reassure 3.0 Black vs Aspire Titanium+
Reassure 3.0 Black vs iHealth Plus
Reassure 3.0 Black vs ProHealth Prime Advantage
Reassure 3.0 Black vs Active Fit Preferred
Reassure 3.0 Black vs Reassure 3.0 Classic
Reassure 3.0 Black vs Senior Health Advantage
Reassure 3.0 Black vs Health Wallet
Reassure 3.0 Black vs Elevate
Reassure 3.0 Black vs Heart
Reassure 3.0 Black vs LifeTime Health
Reassure 3.0 Black vs Reassure 2.0 Titanium+
Reassure 3.0 Black vs ProHealth Prime Active
Reassure 3.0 Black vs ProHealth Prime Senior Elite
Reassure 3.0 Black vs Advanced Top Up
Reassure 3.0 Black vs Multiplier Health
Reassure 3.0 Black vs Diabetes Safe Plan A
Reassure 3.0 Black vs Reassure 2.0 Bronze+
Reassure 3.0 Black vs Enhance Super Top-up
Reassure 3.0 Black vs Young Star Silver
Reassure 3.0 Black vs Star Women Care Policy
Reassure 3.0 Black vs Joy
Reassure 3.0 Black vs Supreme Senior Health AdvantEdge
Reassure 3.0 Black vs Family Plus
Reassure 3.0 Black vs Criti Shield Plus
Reassure 3.0 Black vs Health Care Supreme Ultimo
Reassure 3.0 Black vs Health Shield 360 Retail
Reassure 3.0 Black vs Super Star
Reassure 3.0 Black vs Supreme Super Saver
Reassure 3.0 Black vs Senior First Platinum
Reassure 3.0 Black vs Optima Secure Global
Reassure 3.0 Black vs NextGen
Reassure 3.0 Black vs Health Insurance Platinum
Reassure 3.0 Black vs Energy Silver With Copay
Active Care Premier vs Optima Secure
Active Care Premier vs Super Mediclaim
Active Care Premier vs Health Recharge
Active Care Premier vs Cancer Cover Activ Cancer Secure Plan
Active Care Premier vs Optima Secure Plus
Active Care Premier vs Women Care
Active Care Premier vs Aspire Diamond+
Active Care Premier vs Activate Booster Plan A
Active Care Premier vs ProHealth Accumulate
Active Care Premier vs Health Super Saver Standard
Active Care Premier vs Supreme Shine
Active Care Premier vs Optima Secure Global Plus
Active Care Premier vs Health Cardiac Care Silver & Gold Plan
Active Care Premier vs myHealth Suraksha Gold
Active Care Premier vs LifeTime Health Global
Active Care Premier vs Active Fit Plus
Active Care Premier vs OneHealth Premium
Active Care Premier vs Activ Health Platinum Essential
Active Care Premier vs Medicare Plus
Active Care Premier vs Medicare Senior
Active Care Premier vs Enhance Super Top-up Two
Active Care Premier vs Medicare Protect
Active Care Premier vs Activ One SAVR
Active Care Premier vs Active Assure Diamond
Active Care Premier vs Activ One VIP
Active Care Premier vs Health Pulse Classic
Active Care Premier vs Advantage
Active Care Premier vs Special Care Gold
Active Care Premier vs Activ One Max
Active Care Premier vs Classic
Active Care Premier vs Activ One Vytl
Active Care Premier vs Supreme
Active Care Premier vs Freedom
Active Care Premier vs Sarvah Pratham
Active Care Premier vs Joy Today
Active Care Premier vs Medi Classic
Active Care Premier vs Activate Booster Plan B
Active Care Premier vs Aspire Gold+
Active Care Premier vs Aspire Platinum+
Active Care Premier vs Plus Complete
Active Care Premier vs Reassure 2.0 Platinum+
Active Care Premier vs Elder Care
Active Care Premier vs Reassure 3.0 Elite
Active Care Premier vs EquiCover
Active Care Premier vs Young Star Gold
Active Care Premier vs Enhance Super Top-up One
Active Care Premier vs Joy Tomorrow
Active Care Premier vs Activ One VIP+
Active Care Premier vs Reassure 3.0 Select
Active Care Premier vs Red Carpet Senior Citizens
Active Care Premier vs Medicare Premier
Active Care Premier vs Family Health Optima
Active Care Premier vs Health Companion Variant 2022
Active Care Premier vs Health Companion Variant 3
Active Care Premier vs Plus Youth
Active Care Premier vs Assure
Active Care Premier vs Health Premia Gold
Active Care Premier vs Health Premia Platinum
Active Care Premier vs Cancer Care Platinum
Active Care Premier vs Optima Lite
Active Care Premier vs ProHealth Prime Protect
Active Care Premier vs Comprehensive
Active Care Premier vs HeartBeat Enhanced
Active Care Premier vs Reassure
Active Care Premier vs Supreme Senior Premium
Active Care Premier vs Health Recharge Super Top Up Plan
Active Care Premier vs Reassure 3.0
Active Care Premier vs myHealth Suraksha Platinum
Active Care Premier vs Supreme Value for Money
Active Care Premier vs Supreme Senior Super
Active Care Premier vs Supreme Enhance
Active Care Premier vs Reassure 2.0 Gold
Active Care Premier vs Medicare
Active Care Premier vs Ultimate (Direct)
Active Care Premier vs Young Star
Active Care Premier vs Sarvah Param
Active Care Premier vs Optima Insurance
Active Care Premier vs Smart Super Health Assure
Active Care Premier vs Reassure 3.0 Black
Active Care Premier vs Health Guard Platinum
Active Care Premier vs Health Guard Gold
Active Care Premier vs Elevate (Direct)
Active Care Premier vs Extra Care Plus Super Top-up
Active Care Premier vs Health Care Supreme Smart
Active Care Premier vs Smart Health Pro
Active Care Premier vs Medi Classic Gold
Active Care Premier vs Optima Super Secure
Active Care Premier vs Special Care
Active Care Premier vs Medicare LITE
Active Care Premier vs Health Shield 360
Active Care Premier vs SecureHealth
Active Care Premier vs Supreme (Direct)
Active Care Premier vs Plus
Active Care Premier vs Mediclaim Insurance Policy
Active Care Premier vs Medicare Select
Active Care Premier vs Health Gain
Active Care Premier vs myHealth Koti Suraksha
Active Care Premier vs Senior
Active Care Premier vs myHealth Suraksha Silver
Active Care Premier vs Cardiac Care Platinum
Active Care Premier vs Royal Sundaram Lifeline Elite
Active Care Premier vs Super Surplus Gold
Active Care Premier vs Supreme Enhance One
Active Care Premier vs Supreme Enhance Two
Active Care Premier vs HeartBeat Platinum
Active Care Premier vs HeartBeat Gold
Active Care Premier vs Health SuperCharge
Active Care Premier vs Aspire Titanium+
Active Care Premier vs iHealth Plus
Active Care Premier vs ProHealth Prime Advantage
Active Care Premier vs Active Fit Preferred
Active Care Premier vs Reassure 3.0 Classic
Active Care Premier vs Senior Health Advantage
Active Care Premier vs Health Wallet
Active Care Premier vs Elevate
Active Care Premier vs Heart
Active Care Premier vs LifeTime Health
Active Care Premier vs Reassure 2.0 Titanium+
Active Care Premier vs ProHealth Prime Active
Active Care Premier vs ProHealth Prime Senior Elite
Active Care Premier vs Advanced Top Up
Active Care Premier vs Multiplier Health
Active Care Premier vs Diabetes Safe Plan A
Active Care Premier vs Reassure 2.0 Bronze+
Active Care Premier vs Enhance Super Top-up
Active Care Premier vs Young Star Silver
Active Care Premier vs Star Women Care Policy
Active Care Premier vs Joy
Active Care Premier vs Supreme Senior Health AdvantEdge
Active Care Premier vs Family Plus
Active Care Premier vs Criti Shield Plus
Active Care Premier vs Health Care Supreme Ultimo
Active Care Premier vs Health Shield 360 Retail
Active Care Premier vs Super Star
Active Care Premier vs Supreme Super Saver
Active Care Premier vs Senior First Platinum
Active Care Premier vs Optima Secure Global
Active Care Premier vs NextGen
Active Care Premier vs Health Insurance Platinum
Active Care Premier vs Energy Silver With Copay
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.






.png)

