Insurance Plans Comparison
Niva Bupa Reassure 3.0 Select vs Star Super Surplus Gold
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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
Super Surplus Gold
Star Health Super Surplus Gold Plan
What Makes It Special:
Star Super Surplus is a floater top-up policy intended to provide additional health protection after eligible hospitalisation expenses cross the selected deductible or defined limit. The Gold Plan offers high Sum Insured choices, single private A/C room eligibility, maternity benefits, organ donor expenses, AYUSH treatment and a recharge benefit.
Best For:
Policyholders wanting additional protection beyond a base health plan
Customers seeking a Gold Plan maternity benefit
Families looking for a floater top-up plan
Customers wanting high Sum Insured with a defined limit
Families seeking additional top-up protection
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
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 policy offers lifelong renewals.
Gold Plan provides a defined maternity benefit after the waiting period.
Recharge Benefit can provide additional indemnity after exhaustion or excess of Sum Insured.
The policy is available on a family floater basis.
Gold Plan Sum Insured options extend up to ₹1 Crore.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Reassure 3.0 Select Health Insurance Plan VS VS |
![]() Super Surplus Gold Health Insurance Plan |
| Room Rent |
|---|
Reassure 3.0 Select Select covers up to Twin Sharing Room; higher rooms attract co-payment. |
VS VS |
Super Surplus Gold Single Private A/C Room |
| ICU Charges |
|---|
Reassure 3.0 Select Covered under hospitalisation expenses up to applicable SI. |
VS VS |
Super Surplus Gold Covered as part of hospitalisation |
| Co-payment |
|---|
Reassure 3.0 Select Selectable: 0%, 10%, 20%, 30%, 40%, 50% options. |
VS VS |
Super Surplus Gold Not specified as a standard co-payment |
| Disease-wise sublimits |
|---|
Reassure 3.0 Select ₹1L limit per claim for specified modern treatments |
VS VS |
Super Surplus Gold Specific limits and defined limits apply |
| Cashless Healthcare Providers |
|---|
Reassure 3.0 Select Niva Bupa network hospitals subject to authorisation |
VS VS |
Super Surplus Gold Cashless treatment through network hospitals |
| Restoration Benefit |
|---|
Reassure 3.0 Select ReAssure Forever: Base SI restored after first claim, unlimited times. |
VS VS |
Super Surplus Gold Recharge Benefit available once for the remaining policy period |
| Cumulative Bonus |
|---|
Reassure 3.0 Select Booster+ add on: Accumulates up to 10X base SI carried forward annually |
VS VS |
Super Surplus Gold Not specified |
| Daycare Treatment |
|---|
Reassure 3.0 Select Covered for ≥2 hours hospitalisations per policy terms. |
VS VS |
Super Surplus Gold All daycare procedures covered |
| Consumable Cover |
|---|
Reassure 3.0 Select Claim Safeguard+ available as optional benefit |
VS VS |
Super Surplus Gold Not specified |
| AYUSH Treatment |
|---|
Reassure 3.0 Select Covered for ≥24 hours AYUSH hospitalisation up to SI. |
VS VS |
Super Surplus Gold Covered up to Sum Insured |
| Initial Waiting Period |
|---|
Reassure 3.0 Select 30 days (except accidents). |
VS VS |
Super Surplus Gold 30 Days, subject to policy terms |
| Specific Waiting Period |
|---|
Reassure 3.0 Select 24 months standard; Specific Disease modification to 12 or 16 months. |
VS VS |
Super Surplus Gold 12 Months for Gold Plan specified diseases and procedures |
| PED Waiting Period |
|---|
Reassure 3.0 Select 36 months standard; modifiable to 12 or 24 months. |
VS VS |
Super Surplus Gold 12 Months for Gold Plan PEDs |
| Modern Treatment |
|---|
Reassure 3.0 Select Modern treatments covered up to ₹1L per complete claim amount. |
VS VS |
Super Surplus Gold Covered subject to applicable limits |
| Annual Health Checkup |
|---|
Reassure 3.0 Select Available from Day 1 on cashless basis per defined packages. |
VS VS |
Super Surplus Gold Not specified |
| Pre-Hospitalisation |
|---|
Reassure 3.0 Select Up to 60 days before hospitalisation when related to approved claim. |
VS VS |
Super Surplus Gold Up to 60 Days |
| Post-Hospitalisation |
|---|
Reassure 3.0 Select Covered for 180 days after discharge for eligible expenses. |
VS VS |
Super Surplus Gold Up to 90 Days |
| Outpatient Department Cover (OPD Expense) |
|---|
Reassure 3.0 Select Not in base; Wellconsult+ add on provides OPD and wellness benefits. |
VS VS |
Super Surplus Gold Not a standard OPD benefit |
| Deductible Option |
|---|
Reassure 3.0 Select Annual Aggregate Deductible: ₹10K to ₹5L range. |
VS VS |
Super Surplus Gold Defined Limit applies to aggregate eligible hospitalisation expenses |
| Coverage Options |
|---|
Reassure 3.0 Select Unlimited Sum Insured option available. |
VS VS |
Super Surplus Gold ₹5 Lakh to ₹1 Crore for Gold Plan |
| Claim Settlement Ratio |
|---|
Reassure 3.0 Select 80% |
VS VS |
Super Surplus Gold Not specified |
| Maternity Cover |
|---|
Reassure 3.0 Select Not in standard, Select variant base benefits. |
VS VS |
Super Surplus Gold Delivery expenses up to ₹50,000 per policy period, maximum two deliveries, subject to 12-month wait and conditions |
Insurance Plans Comparison
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Insurance Plans Comparison
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