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Insurance Plans Comparison

Niva Bupa Reassure 3.0 Classic vs Niva Bupa Health Companion Variant 1

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Niva Bupa

Reassure 3.0 Classic

Health insurance with general-room eligibility, configurable cost-sharing options, and additional benefits subject to policy terms.

What Makes It Special:

Niva Bupa ReAssure 3.0 Classic is the Classic variant of the ReAssure 3.0 health insurance product. The supplied brochure lists hospitalisation coverage, modern treatments, AYUSH treatment, pre- and post-hospitalisation expenses, and other benefits subject to the policy terms. Its defining room-related feature is coverage for a general room, rather than...

Best For:

  • Buyers who value supplementary benefits such as claim-free-year cashback, subject to the applicable terms and eligibility.

  • Individuals interested in optional OPD and wellness services through Wellconsult+.

  • Buyers who want to choose a co-payment percentage or annual aggregate deductible, where available.

  • Individuals seeking an unlimited sum-insured option, subject to the policy's applicable terms.

  • Buyers looking for health insurance with a defined general-room category rather than the broader room eligibility listed for Black.

VS
Niva Bupa

Health Companion Variant 1

Add 20% of the base sum insured each claim-free year up to 100%, refill the base sum insured once for a different illness, and get animal-bite vaccination up to ₹2,500 with a check-up once every 2 years.

What Makes It Special:

Health Companion Variant 1 is a Niva Bupa floater covering hospitalisation, day care, AYUSH and domiciliary treatment, with a refill benefit and no-claim bonus. Variant-specific terms are not separated in the prospectus.

Best For:

  • Buyers who do not need maternity or OPD cover

  • Buyers who need hospitalisation, day care and AYUSH cover

  • Buyers who want optional daily hospital cash

  • 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

Niva Bupa Reassure 3.0 Classic

  • Optional benefits: Check the price, availability, limits, exclusions, and claim conditions for Wellconsult+, Claim Safeguard+, and other optional benefits.

  • Sum insured and claim limits: Verify the available sum-insured options and any treatment-specific limits, including the modern treatment limit shown in the supplied brochure.

  • Co-payment and deductible: Compare the available options and understand how each affects your out-of-pocket costs during a claim.

  • Waiting periods: Review the initial waiting period, pre-existing disease waiting period, and specific-disease waiting periods. Confirm whether optional modifications are available and accepted.

  • Room eligibility: Confirm that general-room coverage meets your needs. Check the consequences of choosing a room outside the permitted category.

Niva Bupa Health Companion Variant 1

  • Buyers who do not need maternity or OPD cover

  • Hospital cash requires at least 48 hours in hospital.

  • Maternity is not covered, so plan separately if needed.

  • The refill applies only once a policy year.

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

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Reassure 3.0 Classic
Reassure 3.0 Classic

Health Insurance Plan

Brochure

Policy Wording

VS
Health Companion Variant 1
Health Companion Variant 1

Health Insurance Plan

Brochure

Room Rent

Reassure 3.0 Classic

Classic covers General Room; higher room selection triggers co-payment.

VS

Health Companion Variant 1

  1. Room Rent Limit: No limit on room category, allowing flexibility in choosing any hospital room.
  2. ICU Limit: No capping on ICU charges, ensuring full coverage for intensive care treatments as per the sum insured.
ICU Charges

Reassure 3.0 Classic

Covered under hospitalisation expenses up to applicable SI

VS

Health Companion Variant 1

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

Advanced Treatments

Reassure 3.0 Classic

Information Unavailable

VS

Health Companion Variant 1

  1. Robotic and CyberKnife Surgery.
  2. Bariatric Surgery.
  3. Modern Cancer Treatments
  4. Organ Transplant Coverage
Co-payment

Reassure 3.0 Classic

Selectable: 0%, 10%, 20%, 30%, 40%, 50% options available.

VS

Health Companion Variant 1

Niva Bupa Health Companion Variant 1 does not have a mandatory co-payment for policyholders below 65 years. However, for individuals aged 65 and above, a 20% co-payment applies to all claims.

Disease-wise sublimits

Reassure 3.0 Classic

₹1L sublimit per claim for specified modern treatments.

VS

Health Companion Variant 1

No disease sublimit schedule in the prospectus

Cashless Healthcare Providers

Reassure 3.0 Classic

Available through Niva Bupa network hospitals.

VS

Health Companion Variant 1

10,000+ network hospitals.

Restoration Benefit

Reassure 3.0 Classic

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

VS

Health Companion Variant 1

Information Unavailable

Cumulative Bonus

Reassure 3.0 Classic

Booster+ add on: Carry forward unused SI accumulating up to 10X base SI

VS

Health Companion Variant 1

20% of the expiring base sum insured per claim-free year, up to 100%

Daycare Treatment

Reassure 3.0 Classic

Covered for hospitalisations ≥2 hours (AYUSH ≥24 hours).

VS

Health Companion Variant 1

Covered under the policy. 

Consumable Cover

Reassure 3.0 Classic

Claim Safeguard+ available as optional benefit for non-payable items.

VS

Health Companion Variant 1

Prescribed medicines and consumables during treatment are covered. Annexure II items are not.

AYUSH Treatment

Reassure 3.0 Classic

Covered under hospitalisation when ≥24 hours AYUSH stay required.

VS

Health Companion Variant 1

Covered under this policy

Initial Waiting Period

Reassure 3.0 Classic

30 days from first commencement (except accidents).

VS

Health Companion Variant 1

30 days, except accidents

Specific Waiting Period

Reassure 3.0 Classic

24 months standard; modifiable to 12 or 36 months.

VS

Health Companion Variant 1

24 months for listed conditions

PED Waiting Period

Reassure 3.0 Classic

36 months standard; modifiable to 12 or 24 months.

VS

Health Companion Variant 1

36 months

Modern Treatment

Reassure 3.0 Classic

Modern treatments covered up to ₹1L per complete claim amount

VS

Health Companion Variant 1

Covered up to the sum insured

Annual Health Checkup

Reassure 3.0 Classic

Available from Day 1 on cashless basis per defined Classic package.

VS

Health Companion Variant 1

Annual from day one, for defined tests. Up to ₹500 per ₹1 lakh of base sum insured. Cashless only.

Pre-Hospitalisation

Reassure 3.0 Classic

Up to 60 days before hospitalisation when related to accepted claim

VS

Health Companion Variant 1

60 days before admission

Post-Hospitalisation

Reassure 3.0 Classic

Covered for 180 days after discharge for admitted medical expenses

VS

Health Companion Variant 1

180 days after discharge

Outpatient Department Cover (OPD Expense)

Reassure 3.0 Classic

Not in base; Wellconsult+ add on selectable up to 5X total premium.

VS

Health Companion Variant 1

Not covered

Deductible Option

Reassure 3.0 Classic

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

VS

Health Companion Variant 1

Annual aggregate deductible from ₹10,000 to ₹10 lakh

Coverage Options

Reassure 3.0 Classic

₹5L, ₹10L, Unlimited SI.

VS

Health Companion Variant 1

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

Claim Settlement Ratio

Reassure 3.0 Classic

80%

VS

Health Companion Variant 1

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 Classic

Not included in Classic variant base benefits.

VS

Health Companion Variant 1

Not covered

Insurance Plans Comparison

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Why Choose Our Expert Consultation?

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What Our Experts Help You With

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

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  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

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  • 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)

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