Insurance Plans Comparison
TATA AIG Medicare Plus vs Niva Bupa Reassure 3.0 Elite
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreMedicare Plus
Affordable super top-up health insurance with higher coverage, flexible deductibles and additional protection.
What Makes It Special:
Tata AIG Medicare Plus is a comprehensive health insurance plan that covers hospitalization, pre- and post-hospitalization, daycare procedures, and cashless treatment across a wide hospital network. With high sum insured options and useful add-ons, it ensures financial security and peace of mind for individuals and families against rising healthcare costs.
Best For:
Add-ons for extra protection
Covers daycare & hospitalization care
Easy cashless treatment nationwide
High coverage for you & your family
VS
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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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 want a family-friendly plan that ensures peace of mind
You want add-ons like global cover or critical illness protection
You want daycare, pre- and post-hospitalization expenses covered
You want cashless treatment at top hospitals nationwide
You want wide coverage with a high sum insured
Not available
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Medicare Plus Health Insurance Plan VS VS |
Reassure 3.0 Elite Health Insurance Plan |
| Room Rent |
|---|
Medicare Plus No capping on room rent or ICU charges. |
VS VS |
Reassure 3.0 Elite Covers all rooms except Deluxe/Suite at no co-payment; 20% co-payment for Deluxe/Suite. |
| ICU Charges |
|---|
Medicare Plus No restriction on ICU room rent |
VS VS |
Reassure 3.0 Elite Covered as part of hospitalisation expenses up to SI. |
| Disease-wise sublimits |
|---|
Medicare Plus No |
VS VS |
Reassure 3.0 Elite No disease-wise sub-limits; no ₹1L cap on modern treatments. |
| Co-payment |
|---|
Medicare Plus Not available |
VS VS |
Reassure 3.0 Elite Optional: 0%, 20%, 30%, 40%, 50% available. |
| Waiting Period |
|---|
Medicare Plus
|
VS VS |
Reassure 3.0 Elite Information Unavailable |
| Restoration Benefit |
|---|
Medicare Plus Not available |
VS VS |
Reassure 3.0 Elite ReAssure Forever: Base SI restored after first claim, unlimited times. |
| Cashless Healthcare Providers |
|---|
Medicare Plus 12046+ Healthcare Providers |
VS VS |
Reassure 3.0 Elite Niva Bupa network hospitals subject to authorisation. |
| Cumulative Bonus |
|---|
Medicare Plus Your sum insured increases by 50% for every claim-free year, upto 100%. If a claim is made during the policy year, the cumulative bonus is reduced by 50% in the next policy year |
VS VS |
Reassure 3.0 Elite Booster+ add on: Accumulates up to 10X base SI carried forward annually. |
| Daycare Treatment |
|---|
Medicare Plus Cover expenses for listed Day Care Treatment due to disease/illness/Injury during the policy period taken at a hospital or a Day Care Centre. |
VS VS |
Reassure 3.0 Elite Covered for ≥2 hours hospitalisations per policy terms |
| AYUSH Treatment |
|---|
Medicare Plus Covers treatments under Ayurveda, Unani, Siddha, and Homeopathy systems. |
VS VS |
Reassure 3.0 Elite Covered for ≥24 hours AYUSH hospitalisation up to SI. |
| Consumable Cover |
|---|
Medicare Plus Yes |
VS VS |
Reassure 3.0 Elite Claim Safeguard+ available as optional (add-on) benefit for non-payable items. |
| Initial Waiting Period |
|---|
Medicare Plus 30 days |
VS VS |
Reassure 3.0 Elite 30 days (except accidents). |
| Specific Waiting Period |
|---|
Medicare Plus 2 years |
VS VS |
Reassure 3.0 Elite 24 months standard with modifiable options. |
| PED Waiting Period |
|---|
Medicare Plus 3 years |
VS VS |
Reassure 3.0 Elite 36 months standard with reduction option available. |
| Modern Treatment |
|---|
Medicare Plus Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS VS |
Reassure 3.0 Elite Modern treatments covered up to sum insured (no capping like Classic/Select). |
| Annual Health Checkup |
|---|
Medicare Plus Health check-up is available once every policy year, from day 1 of the policy |
VS VS |
Reassure 3.0 Elite Available from Day 1 on cashless basis; Elite has broader defined package. |
| Pre-Hospitalisation |
|---|
Medicare Plus 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 Elite Up to 60 days before hospitalisation when related to approved claim. |
| Post-Hospitalisation |
|---|
Medicare Plus You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it |
VS VS |
Reassure 3.0 Elite Covered for 180 days after discharge for eligible expenses. |
| Outpatient Department Cover (OPD Expense) |
|---|
Medicare Plus OPD expense is not included |
VS VS |
Reassure 3.0 Elite Not in base; Wellconsult+ available with wellness benefits. |
| Deductible Option |
|---|
Medicare Plus Available |
VS VS |
Reassure 3.0 Elite Annual Aggregate Deductible available as optional feature |
| Coverage Options |
|---|
Medicare Plus Available coverage options: ₹3L, ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L and ₹1 Cr |
VS VS |
Reassure 3.0 Elite ₹5L, ₹10L, Unlimited SI. |
| Claim Settlement Ratio |
|---|
Medicare Plus 95.43% |
VS VS |
Reassure 3.0 Elite Not stated for ReAssure 3.0 Elite variant. |
| Maternity Cover |
|---|
Medicare Plus Not available |
VS VS |
Reassure 3.0 Elite Not in standard Elite base benefit. |
Insurance Plans Comparison
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Insurance Plans Comparison
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