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Insurance Plans Comparison

Niva Bupa Reassure 3.0 Select vs Star Special Care Gold

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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
Star

Special Care Gold

Special Care Gold

What Makes It Special:

Special Care Gold is designed for persons with disabilities and individuals with HIV/AIDS. The product provides individual indemnity and benefit coverage, with defined eligibility requirements, hospitalisation cover, daycare treatment, AYUSH treatment, modern treatment coverage and a 20% co-payment that can be waived through an optional benefit.

Best For:

  • Customers who need defined coverage with optional co-payment waiver

  • Customers looking for AYUSH hospitalisation coverage

  • Families seeking specialised health insurance for eligible members

  • Eligible individuals living with HIV/AIDS

  • Eligible persons with disabilities

Insurance Plans Comparison

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

Niva Bupa Reassure 3.0 Select

  • 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.

Star Special Care Gold

  • No pre-policy medical test is required, subject to submission requirements.

  • A co-payment waiver is available for additional premium.

  • AYUSH inpatient treatment is covered up to 100% of Sum Insured.

  • Sum Insured options of ₹4 Lakh and ₹5 Lakh are available.

  • The product is specifically structured for disability and HIV/AIDS-related eligibility.

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

Brochure

Policy Wording

VS
Special Care Gold
Special Care Gold

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Reassure 3.0 Select

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

VS

Special Care Gold

Up to 1% of Sum Insured per day

ICU Charges

Reassure 3.0 Select

Covered under hospitalisation expenses up to applicable SI.

VS

Special Care Gold

Up to 2% of Sum Insured per day

Co-payment

Reassure 3.0 Select

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

VS

Special Care Gold

20% on all claims; waiver available for additional premium


Disease-wise sublimits

Reassure 3.0 Select

₹1L limit per claim for specified modern treatments

VS

Special Care Gold

Specified treatment limits apply


Cashless Healthcare Providers

Reassure 3.0 Select

Niva Bupa network hospitals subject to authorisation

VS

Special Care Gold

Cashless treatment available at network hospitals


Restoration Benefit

Reassure 3.0 Select

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

VS

Special Care Gold

Not specified

Cumulative Bonus

Reassure 3.0 Select

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

VS

Special Care Gold

Not specified

Daycare Treatment

Reassure 3.0 Select

Covered for ≥2 hours hospitalisations per policy terms.

VS

Special Care Gold

All daycare procedures covered

Consumable Cover

Reassure 3.0 Select

Claim Safeguard+ available as optional benefit

VS

Special Care Gold

Not specified

AYUSH Treatment

Reassure 3.0 Select

Covered for ≥24 hours AYUSH hospitalisation up to SI.

VS

Special Care Gold

Covered up to 100% of Sum Insured

Initial Waiting Period

Reassure 3.0 Select

30 days (except accidents).

VS

Special Care Gold

30 Days for indemnity basis; 90 Days for HIV/AIDS benefit basis


Specific Waiting Period

Reassure 3.0 Select

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

VS

Special Care Gold

24 Months

PED Waiting Period

Reassure 3.0 Select

36 months standard; modifiable to 12 or 24 months.

VS

Special Care Gold

36 Months for PEDs other than specified disability and HIV/AIDS; 24 Months for pre-existing disability


Modern Treatment

Reassure 3.0 Select

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

VS

Special Care Gold

Covered up to 50% of Sum Insured for listed modern treatments

Annual Health Checkup

Reassure 3.0 Select

Available from Day 1 on cashless basis per defined packages.

VS

Special Care Gold

Not specified


Pre-Hospitalisation

Reassure 3.0 Select

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

VS

Special Care Gold

Up to 30 Days

Post-Hospitalisation

Reassure 3.0 Select

Covered for 180 days after discharge for eligible expenses.

VS

Special Care Gold

Up to 60 Days

Outpatient Department Cover (OPD Expense)

Reassure 3.0 Select

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

VS

Special Care Gold

Not a standard OPD benefit


Deductible Option

Reassure 3.0 Select

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

VS

Special Care Gold

Not specified

Coverage Options

Reassure 3.0 Select

Unlimited Sum Insured option available.

VS

Special Care Gold

₹4 Lakh and ₹5 Lakh, individual basis


Claim Settlement Ratio

Reassure 3.0 Select

80%

VS

Special Care Gold

Not specified


Maternity Cover

Reassure 3.0 Select

Not in standard, Select variant base benefits.

VS

Special Care Gold

Not specified as a standard maternity benefit

Insurance Plans Comparison

Still Confused? Get Expert Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Why Choose Our Expert Consultation?

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Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

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

24/7 Claim Assistance

24/7 Claim Assistance

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

Smart, Tech-Enabled Experience

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

Insurance Plans Comparison

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Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

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