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Insurance Plans Comparison

Niva Bupa Reassure 3.0 Select vs Niva Bupa GoActive

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 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
Niva Bupa

GoActive

Cover doctor visits and hospital stays together, refill the base sum insured, and get 90 days of pre-hospitalisation cover plus 180 days after discharge.

What Makes It Special:

GoActive combines in-patient cover with OPD consultations, a personal health coach and an annual health check-up. It has a refill benefit, an optional sum insured escalator, and a renewal discount for buyers who start young.

Best For:

  • Buyers who do not need maternity cover

  • Buyers who want the sum insured to grow over time through I-Protect

  • Buyers who want a health coach and an annual check-up

  • Families who visit doctors often and want OPD reimbursement

  • Younger, active buyers who want the 10% early-age discount and a renewal discount for healthy habits

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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

  • 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.

  • Zone 2 adds a 20% co-payment in four cities, so choose Zone 1 unless you know you will not be treated there.

  • The 1% room rent cap applies to the lower sum insured options, so pick ₹5 lakh or above if you want room choice.

  • The 36-month PED waiting period is long, so buy early if anyone has an existing condition.

  • Maternity is excluded, so choose another plan if you plan to start a family.

  • Check the OPD limit for your sum insured and number of adults, since the limit is shared across the family.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Reassure 3.0 Select
Reassure 3.0 Select

Health Insurance Plan

VS
GoActive
GoActive

Health Insurance Plan

Room Rent

Reassure 3.0 Select

Select covers up to Twin Sharing Room; higher rooms attract co-payment.

VS

GoActive

Normal:

For Sum Insured below ₹5 Lakhs: 1% of Base Sum Insured per day

For Sum Insured ₹5 Lakhs and above: No room rent restriction (except Suite Room and above)

ICU:

For Sum Insured below ₹5 Lakhs: 2% of Base Sum Insured per day

For Sum Insured ₹5 Lakhs and above: Covered up to Sum Insured

ICU Charges

Reassure 3.0 Select

Covered under hospitalisation expenses up to applicable SI.

VS

GoActive

Up to 2% of base sum insured per day for the ₹1 lakh to ₹4 lakh options. Covered up to the sum insured for ₹5 lakh and above. Confirm the split on the policy schedule.

Advanced Treatments

Reassure 3.0 Select

Information Unavailable

VS

GoActive

Covered up to Sum Insured

Co-payment

Reassure 3.0 Select

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

VS

GoActive

No mandatory age-based co-payment mentioned

Disease-wise sublimits

Reassure 3.0 Select

₹1L limit per claim for specified modern treatments

VS

GoActive

No general disease sublimit in the prospectus. Robotic surgery has a ₹1 lakh sub-limit, and OPD, diagnostics and some optional covers have their own limits.

Cashless Healthcare Providers

Reassure 3.0 Select

Niva Bupa network hospitals subject to authorisation

VS

GoActive

4,200+ Network Hospitals

Restoration Benefit

Reassure 3.0 Select

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

VS

GoActive

Refill benefit: up to 100% of base sum insured in a policy year, for a different illness from one already claimed. It is available on a floater basis and does not carry forward. Maximum liability per claim after refill is the base sum insured plus any I-Protect amount.

Cumulative Bonus

Reassure 3.0 Select

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

VS

GoActive

Not offered. The optional I-Protect adds 10% of base sum insured every renewal year.

Daycare Treatment

Reassure 3.0 Select

Covered for ≥2 hours hospitalisations per policy terms.

VS

GoActive

Covered up to Sum Insured

Consumable Cover

Reassure 3.0 Select

Claim Safeguard+ available as optional benefit

VS

GoActive

Medicines, drugs, consumables, IV fluids, blood, injection charges and OT charges are covered within in-patient care. Items in Annexure A (for example baby food, belts, gloves, diapers and Vasofix) are not payable.

AYUSH Treatment

Reassure 3.0 Select

Covered for ≥24 hours AYUSH hospitalisation up to SI.

VS

GoActive

Covered up to Sum Insured

Initial Waiting Period

Reassure 3.0 Select

30 days (except accidents).

VS

GoActive

30 days from policy start. Waived after 12 months of continuous coverage. Accidents are covered from day 1.

Specific Waiting Period

Reassure 3.0 Select

24 months standard; Specific Disease modification to 12 or 16 months.

VS

GoActive

24 months for listed conditions and procedures. Cancer is covered after 30 days.

PED Waiting Period

Reassure 3.0 Select

36 months standard; modifiable to 12 or 24 months.

VS

GoActive

36 months

Modern Treatment

Reassure 3.0 Select

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

VS

GoActive

Covered up to the sum insured, covering uterine artery embolisation, HIFU, deep brain stimulation, oral chemotherapy, immunotherapy, intravitreal injections, robotic surgery, stereotactic radiosurgery, and other listed treatments. Robotic surgeries have a ₹1 lakh sub-limit, except robotic prostatectomy for cancer, robotic cardiac surgery, robotic partial nephrectomy, and robotic surgery for malignancies.

Annual Health Checkup

Reassure 3.0 Select

Available from Day 1 on cashless basis per defined packages.

VS

GoActive

Covered for insured persons aged 18 and over, booked through the Niva Bupa app or website. Not available on the ₹1 lakh and ₹2 lakh options. Unused check-ups do not carry forward.

Pre-Hospitalisation

Reassure 3.0 Select

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

VS

GoActive

Up to 90 days before admission, within the sum insured

Post-Hospitalisation

Reassure 3.0 Select

Covered for 180 days after discharge for eligible expenses.

VS

GoActive

Up to 180 days after discharge, within the sum insured

Outpatient Department Cover (OPD Expense)

Reassure 3.0 Select

Not in base; Wellconsult+ add on provides OPD and wellness benefits.

VS

GoActive

Covered. Number of consultations per policy year depends on the sum insured and the number of adults. Reimbursement is up to ₹600 per consultation in Zone 1 and ₹500 in Zone 2. The limit is shared by all members.

Deductible Option

Reassure 3.0 Select

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

VS

GoActive

Optional annual aggregate deductible of ₹25,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹5 lakh or ₹10 lakh. It does not apply to health check-ups, second opinions, OPD, behavioural assistance or personal accident.

Coverage Options

Reassure 3.0 Select

Unlimited Sum Insured option available.

VS

GoActive

Information Unavailable

Claim Settlement Ratio

Reassure 3.0 Select

80%

VS

GoActive

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 Select

Not in standard, Select variant base benefits.

VS

GoActive

Not offered. Maternity and related childbirth expenses are excluded.

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Still Confused? Get Expert Advice

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

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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

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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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Explore Insurance Category

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Senior Citizen Health Plan

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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

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