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Insurance Plans Comparison

Care Supreme (Direct) vs Niva Bupa Reassure 3.0 Elite

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Care

Supreme (Direct)

Care Supreme (Direct)

What Makes It Special:

Supreme (Direct) is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.

Best For:

  • Not available
VS
Niva Bupa

Reassure 3.0 Elite

Reassure 3.0 Elite

What Makes It Special:

Reassure 3.0 focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.

Best For:

  • Not available

Insurance Plans Comparison

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Quick Decision Guide

Care Supreme (Direct)

Not available

Niva Bupa Reassure 3.0 Elite

Not available

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Supreme (Direct)
Supreme (Direct)

Health Insurance Plan

Brochure

Policy Wording

VS
Reassure 3.0 Elite
Reassure 3.0 Elite

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Supreme (Direct)

Full coverage for ICU and normal room charges up to SI.

VS

Reassure 3.0 Elite

Covers all rooms except Deluxe/Suite at no co-payment; 20% co-payment for Deluxe/Suite.

ICU Charges

Supreme (Direct)

Full coverage for ICU expenses and normal room charges up to sum insured.

VS

Reassure 3.0 Elite

Covered as part of hospitalisation expenses up to SI.

Co-payment

Supreme (Direct)

No mandatory co-payment; optional voluntary co-payment available.

VS

Reassure 3.0 Elite

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

Disease-wise sublimits

Supreme (Direct)

No disease-wise sub-limits.

VS

Reassure 3.0 Elite

No disease-wise sub-limits; no ₹1L cap on modern treatments.

Cashless Healthcare Providers

Supreme (Direct)

5,000+ network hospitals across India.

VS

Reassure 3.0 Elite

Niva Bupa network hospitals subject to authorisation.

Restoration Benefit

Supreme (Direct)

Unlimited restoration benefit available.

VS

Reassure 3.0 Elite

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

Cumulative Bonus

Supreme (Direct)

Provided annually on no-claim basis (specific % varies by year).

VS

Reassure 3.0 Elite

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

Daycare Treatment

Supreme (Direct)

Covers 200+ medical procedures: dialysis, chemotherapy, cataract surgery, etc.

VS

Reassure 3.0 Elite

Covered for ≥2 hours hospitalisations per policy terms

Consumable Cover

Supreme (Direct)

Included as part of hospitalisation expenses.

VS

Reassure 3.0 Elite

Claim Safeguard+ available as optional (add-on) benefit for non-payable items.

AYUSH Treatment

Supreme (Direct)

Covered on cashless basis at network facilities.

VS

Reassure 3.0 Elite

Covered for ≥24 hours AYUSH hospitalisation up to SI.

Initial Waiting Period

Supreme (Direct)

30 days (except accidents).

VS

Reassure 3.0 Elite

30 days (except accidents).

Specific Waiting Period

Supreme (Direct)

2 years for specified ailments.

VS

Reassure 3.0 Elite

24 months standard with modifiable options.

PED Waiting Period

Supreme (Direct)

3 years for pre-existing diseases.

VS

Reassure 3.0 Elite

36 months standard with reduction option available.

Modern Treatment

Supreme (Direct)

Covers cutting-edge procedures: robotic surgery, stem cell therapy, organ transplants, and other advanced treatments.

VS

Reassure 3.0 Elite

Modern treatments covered up to sum insured (no capping like Classic/Select).

Annual Health Checkup

Supreme (Direct)

Available on cashless basis.

VS

Reassure 3.0 Elite

Available from Day 1 on cashless basis; Elite has broader defined package.

Pre-Hospitalisation

Supreme (Direct)

Pre-existing diseases covered after 3 years waiting period.

VS

Reassure 3.0 Elite

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

Post-Hospitalisation

Supreme (Direct)

Covered as part of related hospitalisation medical expenses.

VS

Reassure 3.0 Elite

Covered for 180 days after discharge for eligible expenses.

Outpatient Department Cover (OPD Expense)

Supreme (Direct)

Not available in base plan, present as an add on.

VS

Reassure 3.0 Elite

Not in base; Wellconsult+ available with wellness benefits.

Deductible Option

Supreme (Direct)

Optional feature available.

VS

Reassure 3.0 Elite

Annual Aggregate Deductible available as optional feature

Coverage Options

Supreme (Direct)

Multiple SI options available (varies by plan).

VS

Reassure 3.0 Elite

₹5L, ₹10L, Unlimited SI.

Claim Settlement Ratio

Supreme (Direct)

80%

VS

Reassure 3.0 Elite

Not stated for ReAssure 3.0 Elite variant.

Maternity Cover

Supreme (Direct)

Availability to be confirmed from policy document.

VS

Reassure 3.0 Elite

Not in standard Elite base benefit.

Insurance Plans Comparison

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What Our Experts Help You With

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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)

Having questions? We've got answers. Explore our FAQs to find the information you need.

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