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Insurance Plans Comparison

Niva Bupa Reassure 3.0 Select vs Niva Bupa Health Companion Variant 2

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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

Health Companion Variant 2

Add 20% of the base sum insured each claim-free year up to 100%, refill the base sum insured once for a different illness, and get animal-bite vaccination up to ₹5,000 with an annual health check-up.

What Makes It Special:

Health Companion Variant 2 is a Niva Bupa floater covering hospitalisation, day care, AYUSH and domiciliary treatment, with a refill benefit, no-claim bonus and 2- or 3-year term discounts. Variant-specific terms are not separated in the prospectus.

Best For:

  • Buyers who do not need maternity or OPD cover

  • Buyers who need hospitalisation, day care and AYUSH cover

  • Buyers who plan to pay for two or three years to get term discounts

  • Buyers who want a no-claim bonus that builds to 100%

  • Families who want a floater with a refill benefit

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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.

  • The refill applies only once a policy year.

  • The 20% co-payment for higher room categories applies on Variant 2023.

  • Maternity is not covered, so plan separately if needed.

  • Term discounts do not apply if premium is paid monthly, half-yearly or quarterly.

  • The 36-month PED wait applies, so buy early if you have an existing condition.

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
Health Companion Variant 2
Health Companion Variant 2

Health Insurance Plan

Brochure

Room Rent

Reassure 3.0 Select

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

VS

Health Companion Variant 2

  1. Normal Room: No limit (any single private room covered)
  2. ICU Charges: Fully covered (as per actual hospitalization expenses)
ICU Charges

Reassure 3.0 Select

Covered under hospitalisation expenses up to applicable SI.

VS

Health Companion Variant 2

Covered up to the sum insured as part of in-patient care

Advanced Treatments

Reassure 3.0 Select

Information Unavailable

VS

Health Companion Variant 2

  1. Robotic Surgery Therapy
  2. Bariatric Surgery 
  3. Oral Chemotherapy 
  4. Proton Beam Therapy 
  5. Deep Brain Stimulation 
  6. Implantable Devices 
Co-payment

Reassure 3.0 Select

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

VS

Health Companion Variant 2

No mandatory co-payment for most policyholders. However, for individuals aged 65 years and above at the time of entry, a co-payment of 20% applies to each claim.

Disease-wise sublimits

Reassure 3.0 Select

₹1L limit per claim for specified modern treatments

VS

Health Companion Variant 2

No disease sublimit schedule in the prospectus

Cashless Healthcare Providers

Reassure 3.0 Select

Niva Bupa network hospitals subject to authorisation

VS

Health Companion Variant 2

10,000+ network hospitals.

Restoration Benefit

Reassure 3.0 Select

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

VS

Health Companion Variant 2

Information Unavailable

Cumulative Bonus

Reassure 3.0 Select

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

VS

Health Companion Variant 2

20% of the expiring base sum insured per claim-free year, up to 100%

Daycare Treatment

Reassure 3.0 Select

Covered for ≥2 hours hospitalisations per policy terms.

VS

Health Companion Variant 2

Covered under the policy. 

Consumable Cover

Reassure 3.0 Select

Claim Safeguard+ available as optional benefit

VS

Health Companion Variant 2

Prescribed medicines and consumables during treatment are covered. Annexure II items are not.

AYUSH Treatment

Reassure 3.0 Select

Covered for ≥24 hours AYUSH hospitalisation up to SI.

VS

Health Companion Variant 2

Covered under this policy

Initial Waiting Period

Reassure 3.0 Select

30 days (except accidents).

VS

Health Companion Variant 2

30 days, except accidents

Specific Waiting Period

Reassure 3.0 Select

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

VS

Health Companion Variant 2

24 months for listed conditions

PED Waiting Period

Reassure 3.0 Select

36 months standard; modifiable to 12 or 24 months.

VS

Health Companion Variant 2

36 months

Modern Treatment

Reassure 3.0 Select

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

VS

Health Companion Variant 2

Covered up to the sum insured

Annual Health Checkup

Reassure 3.0 Select

Available from Day 1 on cashless basis per defined packages.

VS

Health Companion Variant 2

Annual from day one, for defined tests. Up to ₹500 per ₹1 lakh of base sum insured. Cashless only.

Pre-Hospitalisation

Reassure 3.0 Select

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

VS

Health Companion Variant 2

60 days before admission

Post-Hospitalisation

Reassure 3.0 Select

Covered for 180 days after discharge for eligible expenses.

VS

Health Companion Variant 2

180 days after discharge

Outpatient Department Cover (OPD Expense)

Reassure 3.0 Select

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

VS

Health Companion Variant 2

Not covered

Deductible Option

Reassure 3.0 Select

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

VS

Health Companion Variant 2

Annual aggregate deductible from ₹10,000 to ₹10 lakh

Coverage Options

Reassure 3.0 Select

Unlimited Sum Insured option available.

VS

Health Companion Variant 2

Individual or floater, with optional hospital cash, personal accident and deductible

Claim Settlement Ratio

Reassure 3.0 Select

80%

VS

Health Companion Variant 2

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

Health Companion Variant 2

Not covered

Insurance Plans Comparison

Still Confused? Get Expert Advice

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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

Expert-Led Policy Review

  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

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  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

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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

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Frequently Asked Questions (FAQs)

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Reassure 3.0 Select Vs Health Companion Variant 2

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