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Insurance Plans Comparison

Niva Bupa Reassure 3.0 Elite vs Star Health Gain

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

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Niva Bupa

Reassure 3.0 Elite

Health insurance with enhanced modern treatment coverage, broader room eligibility and flexible cost-sharing options.

What Makes It Special:

ReAssure 3.0 Elite offers hospitalisation coverage with unlimited modern treatment coverage and eligibility for all room categories except Deluxe and Suite. The plan includes pre- and post-hospitalisation benefits, AYUSH treatment and ambulance coverage, subject to policy conditions. It also offers configurable co-payment and annual aggregate deductible options. Optional enhancements include...

Best For:

  • Buyers who value additional wellness benefits and claim-free-year rewards, subject to eligibility.

  • Individuals interested in optional OPD and specified non-payable expense coverage.

  • Buyers who prefer flexible co-payment and deductible options.

  • Individuals seeking coverage for modern treatments, subject to policy conditions.

  • Buyers who want broader room eligibility than a general-room or twin-sharing restriction.

VS
Star

Health Gain

Flexible Health Insurance with Hospitalisation and OPD Benefits

What Makes It Special:

Inpatient Hospitalisation and Outpatient Medical Expenses

Best For:

  • Customers looking for daycare and eligible AYUSH treatment coverage.

  • Customers who use outpatient services at networked facilities.

  • Customers seeking flexible Sum Insured options.

  • Families looking for Individual or Family Floater coverage.

  • Individuals seeking inpatient and outpatient health insurance benefits.

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 Elite

  • Optional benefits: Review the costs, limits and conditions of OPD coverage, non-payable expense protection and other add-ons.

  • Coverage limits: Confirm the sum insured, treatment-specific limits, ambulance benefits and restoration conditions.

  • Out-of-pocket costs: Compare co-payment percentages and deductible options before selecting the policy.

  • Waiting periods: Review initial, pre-existing disease and specific-disease waiting periods, including any available modifications.

  • Room eligibility: Check the exclusion of Deluxe and Suite rooms and understand the consequences of choosing a room outside the permitted category.

Star Health Gain

  • Check the treatment-specific sublimits.

  • Review the pre- and post-hospitalisation benefit periods.

  • Check the selected OPD benefit limit.

  • Understand the waiting periods for pre-existing diseases and specified treatments.

  • Review the co-payment applicable to entry age 61 and above.

  • Check the room rent limit.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Reassure 3.0 Elite
Reassure 3.0 Elite

Health Insurance Plan

Brochure

Policy Wording

VS
Health Gain
Health Gain

Health Insurance Plan

Brochure

Room Rent

Reassure 3.0 Elite

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

VS

Health Gain

  1. Up to 1% of the basic Sum Insured per day.
ICU Charges

Reassure 3.0 Elite

Covered as part of hospitalisation expenses up to SI.

VS

Health Gain

Covered as part of eligible hospitalisation expenses.

Co-payment

Reassure 3.0 Elite

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

VS

Health Gain

20% for insured persons whose age at entry is 61 years and above.

Disease-wise sublimits

Reassure 3.0 Elite

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

VS

Health Gain

Sublimits apply to specified treatments, including cataract and listed modern treatments.

Cashless Healthcare Providers

Reassure 3.0 Elite

Niva Bupa network hospitals subject to authorisation.

VS

Health Gain

Cashless treatment is available at eligible network hospitals, subject to pre-authorisation.

Restoration Benefit

Reassure 3.0 Elite

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

VS

Health Gain

Not specified.

Cumulative Bonus

Reassure 3.0 Elite

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

VS

Health Gain

Not specified.

Daycare Treatment

Reassure 3.0 Elite

Covered for ≥2 hours hospitalisations per policy terms

VS

Health Gain

Eligible daycare procedures are covered, subject to policy terms.

Consumable Cover

Reassure 3.0 Elite

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

VS

Health Gain

Not specified.

AYUSH Treatment

Reassure 3.0 Elite

Covered for ≥24 hours AYUSH hospitalisation up to SI.

VS

Health Gain

Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered, subject to policy terms.

Initial Waiting Period

Reassure 3.0 Elite

30 days (except accidents).

VS

Health Gain

30 days, except for covered accident-related claims.

Specific Waiting Period

Reassure 3.0 Elite

24 months standard with modifiable options.

VS

Health Gain

24 months for specified diseases and procedures.

PED Waiting Period

Reassure 3.0 Elite

36 months standard with reduction option available.

VS

Health Gain

36 months for pre-existing diseases.

Modern Treatment

Reassure 3.0 Elite

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

VS

Health Gain

Specified modern treatments are covered, subject to policy limits.

Annual Health Checkup

Reassure 3.0 Elite

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

VS

Health Gain

Not specified.

Pre-Hospitalisation

Reassure 3.0 Elite

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

VS

Health Gain

Covered for up to 30 days before hospital admission.

Post-Hospitalisation

Reassure 3.0 Elite

Covered for 180 days after discharge for eligible expenses.

VS

Health Gain

Covered for up to 60 days after discharge.

Outpatient Department Cover (OPD Expense)

Reassure 3.0 Elite

Not in base; Wellconsult+ available with wellness benefits.

VS

Health Gain

Available at networked facilities in India, up to the selected benefit limit.

Deductible Option

Reassure 3.0 Elite

Annual Aggregate Deductible available as optional feature

VS

Health Gain

Not specified.

Coverage Options

Reassure 3.0 Elite

₹5L, ₹10L, Unlimited SI.

VS

Health Gain

Individual and Family Floater.

Claim Settlement Ratio

Reassure 3.0 Elite

Not stated for ReAssure 3.0 Elite variant.

VS

Health Gain

Insurer-level metric, not a policy benefit.

Maternity Cover

Reassure 3.0 Elite

Not in standard Elite base benefit.

VS

Health Gain

Maternity expenses are excluded, except for the specified ectopic pregnancy exception.

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?

End-to-End Support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

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

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  • Tailored for seniors healthcare needs

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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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