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Insurance Plans Comparison

Niva Bupa Reassure 3.0 Black vs Niva Bupa Health Companion Family First Plan

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Niva Bupa

Reassure 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
Niva Bupa

Health Companion Family First Plan

Cover an extended family with a separate sum insured per person and a shared floater after that sum insured is used, and add 20% of each person's base sum insured each claim-free year up to 100%.

What Makes It Special:

Family First is a Health Companion variant. The prospectus describes an individual or family floater with a refill benefit, no-claim bonus, a 60-day pre and 180-day post-hospitalisation cover, and optional hospital cash and personal accident cover.

Best For:

  • Buyers who do not need maternity or OPD cover

  • Buyers who need hospitalisation, day care and AYUSH cover

  • Families with a parent covered alongside the insured

  • Buyers who want a no-claim bonus that builds to 100%

  • Families who want a floater with a refill benefit

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.

  • Children are split off to their own policy after 26.

  • The 20% co-payment applies to higher room categories on Variant 2023, so choose your room carefully.

  • Refill applies once a year, so it is not unlimited cover.

  • Maternity is excluded, so choose another plan if you plan a pregnancy.

  • The 36-month PED wait applies, so buy early if anyone has an existing condition.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Reassure 3.0 Black
Reassure 3.0 Black

Health Insurance Plan

VS
Health Companion Family First Plan
Health Companion Family First Plan

Health Insurance Plan

Brochure

Room Rent

Reassure 3.0 Black

Any room category covered up to SI with no room-type capping.

VS

Health Companion Family First Plan

  1. Normal: Covered up to sum insured
  2. ICU: Covered up to sum insured.
ICU Charges

Reassure 3.0 Black

Covered as part of hospitalisation expenses up to applicable SI

VS

Health Companion Family First Plan

Covered up to the sum insured as part of in-patient care

Advanced Treatments

Reassure 3.0 Black

Information Unavailable

VS

Health Companion Family First Plan

  1. Robotic surgeries
  2. Stem cell therapy
  3. Oral chemotherapy
  4. Deep brain stimulation
  5. Bronchial thermoplasty
  6. Intraoperative neuro monitoring (IONM).
Co-payment

Reassure 3.0 Black

Optional: 0%, 10%, 20%, 30%, 40%, 50% choices available.

VS

Health Companion Family First Plan

The policy does not mandate a co-payment, meaning the insurer covers the full admissible claim amount without requiring the insured to pay a portion.

Disease-wise sublimits

Reassure 3.0 Black

No general disease-wise sublimit specified

VS

Health Companion Family First Plan

No disease sublimit schedule in the prospectus. Sum insured limits apply to all covered treatment.

Cashless Healthcare Providers

Reassure 3.0 Black

Available through Niva Bupa network hospitals.

VS

Health Companion Family First Plan

Access to over 10,000 network hospitals and clinics for cashless treatments, ensuring convenient and hassle-free medical care.

Restoration Benefit

Reassure 3.0 Black

ReAssure Forever: Base SI restored after first claim, unlimited times for life.

VS

Health Companion Family First Plan

Refill: restores up to the base sum insured once per policy year, for the same or a different illness, after the first paid claim

Cumulative Bonus

Reassure 3.0 Black

Booster+ add on: Accumulates up to 10X base SI carried forward annually.

VS

Health Companion Family First Plan

No claim bonus of 20% of the expiring base sum insured for each claim-free year, up to 100% of the base sum insured. A claim does not reduce the bonus.

Daycare Treatment

Reassure 3.0 Black

Eligible Day Care Treatments covered under hospitalisation benefit.

VS

Health Companion Family First Plan

Covers medical procedures that require less than 24-hour hospitalization, such as cataract surgery and chemotherapy, accommodating treatments that don't necessitate extended hospital stays.

Consumable Cover

Reassure 3.0 Black

Yes, medicines, drugs and consumables included in hospitalisation expenses.

VS

Health Companion Family First Plan

Medicines and consumables prescribed during treatment are covered. Items in Annexure II, such as toiletries, gloves and diapers, are not.

AYUSH Treatment

Reassure 3.0 Black

Covers AYUSH hospitalisation up to applicable SI

VS

Health Companion Family First Plan

Expenses for alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered when availed at government-recognized institutions, promoting holistic healthcare options.

Initial Waiting Period

Reassure 3.0 Black

30 days (standard terms apply).

VS

Health Companion Family First Plan

30 days, except accidents

Specific Waiting Period

Reassure 3.0 Black

Standard period with option to modify to 12 or 36 months.

VS

Health Companion Family First Plan

24 months for listed conditions

PED Waiting Period

Reassure 3.0 Black

Standard 36 months with option to modify to 12 or 24 months

VS

Health Companion Family First Plan

36 months.

Modern Treatment

Reassure 3.0 Black

Covers robotic surgery, oral chemotherapy, stereotactic radiosurgery, deep brain stimulation, intravitreal injections up to applicable SI.

VS

Health Companion Family First Plan

Covered up to the sum insured. Includes robotic surgery, stereotactic radiosurgery, deep brain stimulation, oral chemotherapy and other listed treatments.

Annual Health Checkup

Reassure 3.0 Black

Not in Black variant base; NivaBupaOne provides Executive Health Assessment separately.

VS

Health Companion Family First Plan

Once every policy year from day one, for defined tests. Up to ₹500 per ₹1 lakh of base sum insured. Individual: ₹5,000 maximum per insured. Floater: ₹10,000 per policy. Booked through the app, cashless only.

Pre-Hospitalisation

Reassure 3.0 Black

Up to 60 days before hospitalisation when related to approved claim.

VS

Health Companion Family First Plan

60 days before admission, up to the sum insured

Post-Hospitalisation

Reassure 3.0 Black

Up to 180 days after discharge for related eligible medical expenses.

VS

Health Companion Family First Plan

180 days after discharge, up to the sum insured

Outpatient Department Cover (OPD Expense)

Reassure 3.0 Black

Not in base; Wellconsult+ available as optional OPD benefit.

VS

Health Companion Family First Plan

Not covered. OPD treatment is an excluded expense.

Deductible Option

Reassure 3.0 Black

Annual Aggregate Deductible available: ₹10K to ₹5L range.

VS

Health Companion Family First Plan

Annual aggregate deductible of ₹10,000, ₹20,000, ₹30,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹4 lakh, ₹5 lakh or ₹10 lakh. Does not apply to health checks, animal bite or hospital cash.

Coverage Options

Reassure 3.0 Black

₹5L, ₹10L, Unlimited SI.

VS

Health Companion Family First Plan

Individual or floater, with optional hospital cash, personal accident and deductible

Claim Settlement Ratio

Reassure 3.0 Black

80%

VS

Health Companion Family First Plan

Claim Settlement Ratio (CSR) of 93.3% as a three-year IRDAI weighted average, and 95.6% in recent quarterly company disclosures (Q1 FY 2026-27).

Maternity Cover

Reassure 3.0 Black

Not in standard Black variant benefits.

VS

Health Companion Family First Plan

Not covered. Maternity expenses are an excluded expense.

Insurance Plans Comparison

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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)

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Reassure 3.0 Black Vs Health Companion Family First Plan

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