Insurance Plans Comparison
Niva Bupa Reassure 3.0 Select vs Niva Bupa Reassure
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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
Reassure
Niva Bupa ReAssure Plan No room rent cap, cover that refills from your first paid claim, and Loyalty Additions that can double your Base Sum Insured.
What Makes It Special:
Niva Bupa's ReAssure health insurance plan offers unlimited in-year reinstatement from the first paid claim, Loyalty Additions up to 100% of Base Sum Insured and no room rent capping.
Best For:
Customers who value preventive health benefits: Annual health check-ups are available from day one, alongside the Live Healthy renewal discount programme.
Long-term policyholders: Loyalty Additions can increase Base Sum Insured by up to 100%.
People who prefer room flexibility: The plan has no room rent capping, subject to the policy terms.
Buyers seeking flexible cover amounts: Sum Insured options range from ₹3 lakh to ₹1 crore.
Families looking for recurring cover: The ReAssure benefit reinstates cover from the first paid claim and can be used for subsequent claims throughout the policy year.
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.
Road ambulance expenses are limited to ₹2,000 per hospitalisation.
Maternity expenses and OPD treatment are excluded.
Most robotic surgeries have a ₹1 lakh limit unless Modern Treatment+ is selected.
Listed conditions and procedures have a 24-month specific waiting period.
The pre-existing disease waiting period is 36 months.
Annual health check-ups are available from day one, with a potential renewal discount through Live Healthy.
Sum Insured options range from ₹3 lakh to ₹1 crore.
Loyalty Additions add 50% of Base SI each year, up to 100%.
Unlimited in-year reinstatement starts from the first paid claim.
No room rent capping, with ICU expenses covered up to Sum Insured.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Reassure 3.0 Select Health Insurance Plan VS VS |
Reassure Health Insurance Plan |
| Room Rent |
|---|
Reassure 3.0 Select Select covers up to Twin Sharing Room; higher rooms attract co-payment. |
VS VS |
Reassure No room rent capping. Eligible inpatient room categories are covered subject to policy terms. |
| ICU Charges |
|---|
Reassure 3.0 Select Covered under hospitalisation expenses up to applicable SI. |
VS VS |
Reassure Covered up to Sum Insured under inpatient care, with no separate ICU cap. |
| Co-payment |
|---|
Reassure 3.0 Select Selectable: 0%, 10%, 20%, 30%, 40%, 50% options. |
VS VS |
Reassure No co-payment under the base plan. The optional Tiered Network add-on offers a 15% premium discount and applies a 20% co-payment when treatment is taken at a non-tiered network hospital. |
| Disease-wise sublimits |
|---|
Reassure 3.0 Select ₹1L limit per claim for specified modern treatments |
VS VS |
Reassure No general disease-wise sublimits. Most robotic surgeries have a ₹1 lakh limit, with listed exceptions. Road ambulance is limited to ₹2,000 per hospitalisation, and air ambulance reimbursement is capped at ₹2.5 lakh. |
| Cashless Healthcare Providers |
|---|
Reassure 3.0 Select Niva Bupa network hospitals subject to authorisation |
VS VS |
Reassure Cashless treatment is available at Niva Bupa network providers, subject to network participation and pre-authorisation. Niva Bupa has reported a company-wide network of 10,000+ hospitals. |
| Restoration Benefit |
|---|
Reassure 3.0 Select ReAssure Forever: Base SI restored after first claim, unlimited times. |
VS VS |
Reassure The ReAssure benefit provides unlimited reinstatement within the policy year, triggered from the first paid claim. It is available for subsequent claims for any illness and any insured member. Each claim under the benefit is limited to Base Sum Insured |
| Cumulative Bonus |
|---|
Reassure 3.0 Select Booster+ add on: Accumulates up to 10X base SI carried forward annually |
VS VS |
Reassure Loyalty Additions add 50% of the previous year's Base Sum Insured at each policy anniversary, up to 100% of Base SI |
| Daycare Treatment |
|---|
Reassure 3.0 Select Covered for ≥2 hours hospitalisations per policy terms. |
VS VS |
Reassure Eligible day-care treatment is covered up to Sum Insured. The policy wording specifies admission exceeding 2 hours and includes procedures such as angiography, dialysis, radiotherapy and chemotherapy for cancer. |
| Consumable Cover |
|---|
Reassure 3.0 Select Claim Safeguard+ available as optional benefit |
VS VS |
Reassure Not covered in the base plan. Optional Safeguard covers List I non-payable items, while Safeguard+ covers Lists I to IV. |
| AYUSH Treatment |
|---|
Reassure 3.0 Select Covered for ≥24 hours AYUSH hospitalisation up to SI. |
VS VS |
Reassure Eligible inpatient treatment under Ayurveda, Unani, Siddha and Homeopathy at an AYUSH hospital is covered up to Sum Insured. Yoga is not covered. |
| Initial Waiting Period |
|---|
Reassure 3.0 Select 30 days (except accidents). |
VS VS |
Reassure 30 days for illnesses. Accidents are covered from day one. |
| Specific Waiting Period |
|---|
Reassure 3.0 Select 24 months standard; Specific Disease modification to 12 or 16 months. |
VS VS |
Reassure 24 months for listed conditions and procedures, subject to policy terms. This waiting period does not apply to accidents. Cancer is covered after the applicable 30-day initial waiting period. |
| PED Waiting Period |
|---|
Reassure 3.0 Select 36 months standard; modifiable to 12 or 24 months. |
VS VS |
Reassure 36 months of continuous coverage for declared pre-existing diseases, subject to policy terms. |
| Modern Treatment |
|---|
Reassure 3.0 Select Modern treatments covered up to ₹1L per complete claim amount. |
VS VS |
Reassure Covered up to Sum Insured. Most robotic surgeries have a ₹1 lakh limit, except robotic radical prostatectomy, cardiac, partial nephrectomy and cancer surgeries. The optional Modern Treatment+ add-on removes the ₹1 lakh limit. |
| Annual Health Checkup |
|---|
Reassure 3.0 Select Available from Day 1 on cashless basis per defined packages. |
VS VS |
Reassure Available from day one, once per policy year. Benefit value is ₹500 per ₹1 lakh of Sum Insured, up to ₹5,000 per insured individual or ₹10,000 per Family Floater policy. Cashless only. |
| Pre-Hospitalisation |
|---|
Reassure 3.0 Select Up to 60 days before hospitalisation when related to approved claim. |
VS VS |
Reassure Covered for up to 60 days, up to Sum Insured, on a reimbursement basis. |
| Post-Hospitalisation |
|---|
Reassure 3.0 Select Covered for 180 days after discharge for eligible expenses. |
VS VS |
Reassure Covered for up to 180 days, up to Sum Insured, on a reimbursement basis. |
| Outpatient Department Cover (OPD Expense) |
|---|
Reassure 3.0 Select Not in base; Wellconsult+ add on provides OPD and wellness benefits. |
VS VS |
Reassure OPD treatment is not covered under the base plan. |
| Deductible Option |
|---|
Reassure 3.0 Select Annual Aggregate Deductible: ₹10K to ₹5L range. |
VS VS |
Reassure No deductible option is listed in the base product benefit table. |
| Coverage Options |
|---|
Reassure 3.0 Select Unlimited Sum Insured option available. |
VS VS |
Reassure Base Sum Insured options are ₹3 lakh, ₹4 lakh, ₹5 lakh, ₹7.5 lakh, ₹10 lakh, ₹12.5 lakh, ₹15 lakh, ₹20 lakh, ₹25 lakh, ₹50 lakh, ₹75 lakh and ₹1 crore. Available on Individual or Family Floater basis, covering up to 2 adults and 4 children. |
| Claim Settlement Ratio |
|---|
Reassure 3.0 Select 80% |
VS VS |
Reassure 96.8% of claims settled by number in FY 2025-26 for the ReAssure product line, which includes ReAssure, ReAssure 2.0 and ReAssure 3.0 UINs in the insurer's disclosure. Company-level figure reported in the annual report: 94.4%. |
| Maternity Cover |
|---|
Reassure 3.0 Select Not in standard, Select variant base benefits. |
VS VS |
Reassure Maternity expenses are excluded under the base plan. |
Insurance Plans Comparison
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