Insurance Plans Comparison
Niva Bupa Reassure 3.0 Select vs Niva Bupa Aspire Gold+
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreReassure 3.0 Select
Niva Bupa ReAssure 3.0 Select Health Insurance Plan with Twin-Sharing Room Cover and Optional Benefits
What Makes It Special:
ReAssure 3.0 Select is a health insurance variant designed for customers seeking hospitalisation cover with a twin-sharing room entitlement and access to optional benefits. It covers eligible hospitalisation expenses, including pre- and post-hospitalisation costs, home care and organ donor expenses, subject to policy conditions. Customers can also explore options such...
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
Aspire Gold+
Get health insurance with Booster+ benefits, unlimited ReAssure Forever protection, maternity-related M-iracle benefits and flexible optional covers for your healthcare needs.
What Makes It Special:
Niva Bupa Aspire Gold+ is a health insurance variant designed to provide hospitalisation protection alongside benefits that help preserve and extend coverage over time. It includes eligible inpatient and day-care treatment, modern treatments, AYUSH, pre- and post-hospitalisation expenses, home care, organ donor expenses and cashless annual health check-ups. ReAssure Forever...
Best For:
Customisable coverage: For people who want to consider optional benefits such as Claim Safeguard+, Cash-Bag, Borderless or Hospital Daily Cash.
Everyday healthcare support: For buyers interested in optional WellConsult OPD services, including consultations, diagnostics and pharmacy benefits.
Maternity-related planning: For those who want the M-iracle benefit and can plan around its 48-month waiting period.
Growing unused cover: For customers who want unused base sum insured carried forward through Booster+, within Gold+'s applicable limits.
Long-term health protection: For buyers seeking hospitalisation cover with ReAssure Forever after the first paid claim.
Insurance Plans Comparison
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Quick Decision Guide
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.
Evaluate optional benefits: Compare the extra premium and conditions for WellConsult OPD, Cash-Bag, Safeguard+, Borderless and other available options.
Plan maternity benefits early: M-iracle has a 48-month waiting period under Gold+, so review eligibility and benefit limits before purchasing.
Review waiting periods: The brochure lists a 30-day initial waiting period. Confirm the applicable pre-existing disease and specific disease waiting periods in your policy schedule.
Understand Booster+: For Gold+, unused base sum insured carries forward up to 3X for entry ages 18–35, 2X for ages 36–45 and 1X for ages 46 and above.
Select your base sum insured: Choose from ₹3 lakh to ₹1 crore based on your healthcare needs and budget.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Reassure 3.0 Select Health Insurance Plan VS VS |
Aspire Gold+ Health Insurance Plan |
| Room Rent |
|---|
Reassure 3.0 Select Select covers up to Twin Sharing Room; higher rooms attract co-payment. |
VS VS |
Aspire Gold+ All room categories are covered |
| ICU Charges |
|---|
Reassure 3.0 Select Covered under hospitalisation expenses up to applicable SI. |
VS VS |
Aspire Gold+ No restriction on ICU room rent |
| Co-payment |
|---|
Reassure 3.0 Select Selectable: 0%, 10%, 20%, 30%, 40%, 50% options. |
VS VS |
Aspire Gold+ Not available |
| Disease-wise sublimits |
|---|
Reassure 3.0 Select ₹1L limit per claim for specified modern treatments |
VS VS |
Aspire Gold+ No |
| Cashless Healthcare Providers |
|---|
Reassure 3.0 Select Niva Bupa network hospitals subject to authorisation |
VS VS |
Aspire Gold+ 10,000+ Healthcare Providers |
| Restoration Benefit |
|---|
Reassure 3.0 Select ReAssure Forever: Base SI restored after first claim, unlimited times. |
VS VS |
Aspire Gold+ Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses |
| Cumulative Bonus |
|---|
Reassure 3.0 Select Booster+ add on: Accumulates up to 10X base SI carried forward annually |
VS VS |
Aspire Gold+ Unutilised sum insured can be carried forward up to 3X (entry age 18–35 yrs), 2X (entry age 36–45 yrs), and 1X (entry age 46+ yrs) |
| Daycare Treatment |
|---|
Reassure 3.0 Select Covered for ≥2 hours hospitalisations per policy terms. |
VS VS |
Aspire Gold+ Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Consumable Cover |
|---|
Reassure 3.0 Select Claim Safeguard+ available as optional benefit |
VS VS |
Aspire Gold+ No. However, available as an add-on |
| AYUSH Treatment |
|---|
Reassure 3.0 Select Covered for ≥24 hours AYUSH hospitalisation up to SI. |
VS VS |
Aspire Gold+ Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Initial Waiting Period |
|---|
Reassure 3.0 Select 30 days (except accidents). |
VS VS |
Aspire Gold+ 30 days |
| Specific Waiting Period |
|---|
Reassure 3.0 Select 24 months standard; Specific Disease modification to 12 or 16 months. |
VS VS |
Aspire Gold+ 2 years |
| PED Waiting Period |
|---|
Reassure 3.0 Select 36 months standard; modifiable to 12 or 24 months. |
VS VS |
Aspire Gold+ 3 years |
| Modern Treatment |
|---|
Reassure 3.0 Select Modern treatments covered up to ₹1L per complete claim amount. |
VS VS |
Aspire Gold+ Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
Reassure 3.0 Select Available from Day 1 on cashless basis per defined packages. |
VS VS |
Aspire Gold+ Health check-up is available once every policy year, from day 1 of the policy |
| Pre-Hospitalisation |
|---|
Reassure 3.0 Select Up to 60 days before hospitalisation when related to approved claim. |
VS VS |
Aspire Gold+ You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Reassure 3.0 Select Covered for 180 days after discharge for eligible expenses. |
VS VS |
Aspire Gold+ You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it |
| Outpatient Department Cover (OPD Expense) |
|---|
Reassure 3.0 Select Not in base; Wellconsult+ add on provides OPD and wellness benefits. |
VS VS |
Aspire Gold+ OPD expense is not included |
| Deductible Option |
|---|
Reassure 3.0 Select Annual Aggregate Deductible: ₹10K to ₹5L range. |
VS VS |
Aspire Gold+ Available as optional feature. |
| Coverage Options |
|---|
Reassure 3.0 Select Unlimited Sum Insured option available. |
VS VS |
Aspire Gold+ Available coverage options: 3L, 5L, 7.5L, 10L, 15L, 20L, 25L, 50L, 1cr |
| Claim Settlement Ratio |
|---|
Reassure 3.0 Select 80% |
VS VS |
Aspire Gold+ 92.02% |
| Maternity Cover |
|---|
Reassure 3.0 Select Not in standard, Select variant base benefits. |
VS VS |
Aspire Gold+ Available (specific terms apply). |
Insurance Plans Comparison
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