Insurance Plans Comparison
Star Star Women Care Policy vs Niva Bupa Reassure 3.0 Black
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreStar Women Care Policy
Star Women Care Policy
What Makes It Special:
Star Women Care Insurance Policy is designed around the healthcare needs of women and their families. The product provides regular hospitalisation coverage along with maternity-related benefits, pregnancy entry subject to conditions, newborn support, family floater options and additional benefits such as bariatric surgery and restoration.
Best For:
Pregnant women who meet the product's entry conditions
Wellness-linked, preventive care insurance
Automatic sum insured restoration
Premium maternity and newborn care
Comprehensive women’s family health protection
VS
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.
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
You prefer no medical check-up before purchase
You enjoy earning wellness points and premium discounts
You need surrogacy and oocyte donor coverage
You want automatic sum insured restoration after a claim
You value OPD consultations and yearly health check-ups
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.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Star Women Care Policy Health Insurance Plan VS VS |
Reassure 3.0 Black Health Insurance Plan |
| Room Rent |
|---|
Star Women Care Policy Up to 1% of SI (₹5L); Single AC up to ₹25L; any room above ₹50L |
VS VS |
Reassure 3.0 Black Any room category covered up to SI with no room-type capping. |
| ICU Charges |
|---|
Star Women Care Policy No restriction on ICU room rent |
VS VS |
Reassure 3.0 Black Covered as part of hospitalisation expenses up to applicable SI |
| Disease-wise sublimits |
|---|
Star Women Care Policy No |
VS VS |
Reassure 3.0 Black No general disease-wise sublimit specified |
| Co-payment |
|---|
Star Women Care Policy Yes (subject to co-payment of 10% for insured person whose age at the time of entry is 61 years and above) |
VS VS |
Reassure 3.0 Black Optional: 0%, 10%, 20%, 30%, 40%, 50% choices available. |
| Restoration Benefit |
|---|
Star Women Care Policy 100% once after full/partial utilization in a year |
VS VS |
Reassure 3.0 Black ReAssure Forever: Base SI restored after first claim, unlimited times for life. |
| Cashless Healthcare Providers |
|---|
Star Women Care Policy 13000+ Healthcare Providers |
VS VS |
Reassure 3.0 Black Available through Niva Bupa network hospitals. |
| Cumulative Bonus |
|---|
Star Women Care Policy 20% each year, up to 100% |
VS VS |
Reassure 3.0 Black Booster+ add on: Accumulates up to 10X base SI carried forward annually. |
| Daycare Treatment |
|---|
Star Women Care Policy Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
VS VS |
Reassure 3.0 Black Eligible Day Care Treatments covered under hospitalisation benefit. |
| Consumable Cover |
|---|
Star Women Care Policy Yes |
VS VS |
Reassure 3.0 Black Yes, medicines, drugs and consumables included in hospitalisation expenses. |
| AYUSH Treatment |
|---|
Star Women Care Policy Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Reassure 3.0 Black Covers AYUSH hospitalisation up to applicable SI |
| Initial Waiting Period |
|---|
Star Women Care Policy 30 days. |
VS VS |
Reassure 3.0 Black 30 days (standard terms apply). |
| Specific Waiting Period |
|---|
Star Women Care Policy 2 years |
VS VS |
Reassure 3.0 Black Standard period with option to modify to 12 or 36 months. |
| PED Waiting Period |
|---|
Star Women Care Policy 3 years |
VS VS |
Reassure 3.0 Black Standard 36 months with option to modify to 12 or 24 months |
| Modern Treatment |
|---|
Star Women Care Policy Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS VS |
Reassure 3.0 Black Covers robotic surgery, oral chemotherapy, stereotactic radiosurgery, deep brain stimulation, intravitreal injections up to applicable SI. |
| Annual Health Checkup |
|---|
Star Women Care Policy Health check-up is available once every policy year, from day 1 of the policy |
VS VS |
Reassure 3.0 Black Not in Black variant base; NivaBupaOne provides Executive Health Assessment separately. |
| Pre-Hospitalisation |
|---|
Star Women Care Policy You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
VS VS |
Reassure 3.0 Black Up to 60 days before hospitalisation when related to approved claim. |
| Post-Hospitalisation |
|---|
Star Women Care Policy You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it |
VS VS |
Reassure 3.0 Black Up to 180 days after discharge for related eligible medical expenses. |
| Outpatient Department Cover (OPD Expense) |
|---|
Star Women Care Policy OPD is available |
VS VS |
Reassure 3.0 Black Not in base; Wellconsult+ available as optional OPD benefit. |
| Deductible Option |
|---|
Star Women Care Policy Not Available |
VS VS |
Reassure 3.0 Black Annual Aggregate Deductible available: ₹10K to ₹5L range. |
| Coverage Options |
|---|
Star Women Care Policy Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L,₹1 Cr |
VS VS |
Reassure 3.0 Black ₹5L, ₹10L, Unlimited SI. |
| Claim Settlement Ratio |
|---|
Star Women Care Policy 82.31% |
VS VS |
Reassure 3.0 Black 80% |
| Maternity Cover |
|---|
Star Women Care Policy Available |
VS VS |
Reassure 3.0 Black Not in standard Black variant benefits. |
Insurance Plans Comparison
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