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Insurance Plans Comparison

Star Medi Classic vs Niva Bupa Reassure 3.0 Select

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Star

Medi Classic

Star Medi Classic is an individual health insurance with essential hospitalisation benefits, preventive health check-ups and additional optional benefits.

What Makes It Special:

Medi Classic Insurance Policy is an individual health insurance plan that provides coverage for hospitalisation and selected medical treatments. It offers Sum Insured options from ₹5 Lakh to ₹15 Lakh, along with pre and post-hospitalisation coverage, preventive health check-ups and cumulative bonus. Optional Patient Care and Hospital Cash benefits are...

Best For:

  • Customers interested in optional Patient Care or Hospital Cash benefits.

  • Individuals looking for preventive health check-up benefits.

  • Customers who want pre and post-hospitalisation coverage.

  • People seeking Sum Insured options between ₹5 Lakh and ₹15 Lakh.

  • Individuals looking for individual health insurance coverage.

VS
Niva Bupa

Reassure 3.0 Select

ReAssure 3.0 Select

What Makes It Special:

Reassure 3.0 focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.

Best For:

  • Not available

Insurance Plans Comparison

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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

Star Medi Classic

  • Review the applicable limits carefully, especially for room rent, modern treatments and other treatments with specific limits.

  • Consider the optional Patient Care and Hospital Cash benefits if they match your requirements.

  • The plan may suit customers who value pre-hospitalisation and post-hospitalisation coverage.

  • Consider it if a Sum Insured of ₹5 Lakh to ₹15 Lakh meets your coverage requirement.

  • Choose this plan if you need individual health insurance rather than a family floater.

Niva Bupa Reassure 3.0 Select

Not available

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Medi Classic
Medi Classic

Health Insurance Plan

Brochure

Policy Wording

VS
Reassure 3.0 Select
Reassure 3.0 Select

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Medi Classic

2% of Sum Insured per day, subject to a maximum of ₹5,000 per day.



VS

Reassure 3.0 Select

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

ICU Charges

Medi Classic

Covered as per the applicable policy terms and limits.

VS

Reassure 3.0 Select

Covered under hospitalisation expenses up to applicable SI.

Co-payment

Medi Classic

Not specified in the retrieved source.



VS

Reassure 3.0 Select

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

Disease-wise sublimits

Medi Classic

Modern treatments and cataract treatment are subject to applicable limits.



VS

Reassure 3.0 Select

₹1L limit per claim for specified modern treatments

Cashless Healthcare Providers

Medi Classic

Not specified in the retrieved source.



VS

Reassure 3.0 Select

Niva Bupa network hospitals subject to authorisation

Restoration Benefit

Medi Classic

Not specified in the retrieved source.

VS

Reassure 3.0 Select

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

Cumulative Bonus

Medi Classic

5% of the Sum Insured for every claim-free year, subject to a maximum of 25% of the Sum Insured.



VS

Reassure 3.0 Select

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

Daycare Treatment

Medi Classic

Not specified in the retrieved source.



VS

Reassure 3.0 Select

Covered for ≥2 hours hospitalisations per policy terms.

Consumable Cover

Medi Classic

Not specified in the retrieved source.



VS

Reassure 3.0 Select

Claim Safeguard+ available as optional benefit

AYUSH Treatment

Medi Classic

Not specified in the retrieved source.



VS

Reassure 3.0 Select

Covered for ≥24 hours AYUSH hospitalisation up to SI.

Initial Waiting Period

Medi Classic

Not specified in the retrieved source.



VS

Reassure 3.0 Select

30 days (except accidents).

Specific Waiting Period

Medi Classic

Not specified in the retrieved source.



VS

Reassure 3.0 Select

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

PED Waiting Period

Medi Classic





VS

Reassure 3.0 Select

36 months standard; modifiable to 12 or 24 months.

Modern Treatment

Medi Classic

Covered, subject to applicable limits and policy terms.



VS

Reassure 3.0 Select

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

Annual Health Checkup

Medi Classic

Preventive health check-up is covered as per policy terms.



VS

Reassure 3.0 Select

Available from Day 1 on cashless basis per defined packages.

Pre-Hospitalisation

Medi Classic

Covered for 30 days.



VS

Reassure 3.0 Select

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

Post-Hospitalisation

Medi Classic

Covered for 60 days, subject to the applicable limits and conditions.



VS

Reassure 3.0 Select

Covered for 180 days after discharge for eligible expenses.

Outpatient Department Cover (OPD Expense)

Medi Classic

Not specified as a standard base benefit in the retrieved source. Optional Patient Care and Hospital Cash benefits are available subject to conditions.



VS

Reassure 3.0 Select

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

Deductible Option

Medi Classic

Not specified in the retrieved source.



VS

Reassure 3.0 Select

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

Coverage Options

Medi Classic

Sum Insured options of ₹5 Lakh, ₹7.5 Lakh, ₹10 Lakh and ₹15 Lakh.



VS

Reassure 3.0 Select

Unlimited Sum Insured option available.

Claim Settlement Ratio

Medi Classic

Not specified in the retrieved source.



VS

Reassure 3.0 Select

80%

Maternity Cover

Medi Classic

Not specified in the retrieved source.



VS

Reassure 3.0 Select

Not in standard, Select variant base benefits.

Insurance Plans Comparison

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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

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Insurance Plans Comparison

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Insurance Plans Comparison

Frequently Asked Questions (FAQs)

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