Insurance Plans Comparison
Niva Bupa Reassure 3.0 vs Care Ultimate
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreReassure 3.0
Carry unused base sum insured forward up to 10 times, and unless unlimited sum insured is chosen, the first paid claim triggers a lifelong refill of up to the base sum insured for every later claim.
What Makes It Special:
ReAssure 3.0 is a customisable health insurance plan from Niva Bupa, available in four variants: Classic, Select, Elite and Black. The variants offer Base Sum Insured options of ₹5 lakh, ₹10 lakh or Unlimited. The plan includes hospitalisation cover for stays of 2 hours or more, pre- and post-hospitalisation benefits,...
Best For:
Buyers who want to customise waiting periods, co-payment, deductibles and optional benefits.
Customers who value restoration and carry-forward features, subject to the selected Sum Insured option.
People who want the option of Unlimited Sum Insured.
Families looking for a floater policy covering up to 6 members.
Buyers who want to choose a variant based on room eligibility and budget.
VS
Ultimate
Health insurance with unlimited restoration, moneyback rewards and long-term loyalty benefits.
What Makes It Special:
Comprehensive Health Insurance
Best For:
Health-conscious customers seeking wellness rewards and renewal discounts.
Individuals interested in unlimited restoration of their sum insured.
Customers who value rewards for remaining claim-free.
People looking for coverage options up to ₹1 crore.
Individuals and families seeking comprehensive hospitalisation coverage.
Insurance Plans Comparison
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Quick Decision Guide
Classic and Select have room-category limits and a ₹1 lakh per-claim modern treatment limit. Lock the Clock is available only with Elite and Black.
Consumables and specified non-payable items require the optional Claim Safeguard+ benefit.
Maternity expenses are excluded.
Listed specific diseases and procedures have a 24-month waiting period unless modified.
The standard pre-existing disease waiting period is 36 months unless modified through an eligible option.
Waiting periods, co-payment, deductibles and several optional benefits can be customised.
ReAssure Forever provides unlimited reinstatements after the first paid claim when eligible.
Booster+ can carry forward unused Base Sum Insured up to 10 times for the ₹5 lakh and ₹10 lakh options.
Hospitalisation of 2 hours or more is covered, subject to policy terms.
Unlimited Sum Insured is available across all four variants.
Review waiting periods: The standard waiting periods are 30 days for initial illnesses, 24 months for named ailments and 36 months for pre-existing diseases.
Evaluate wellness rewards: The optional Wellness Benefit offers renewal discounts based on qualifying healthy days and applicable conditions.
Look at Infinity Bonus: This optional benefit provides an additional 100% of base sum insured per year, irrespective of claims, with continuous renewal.
Consider the moneyback benefit: The optional Premium Payback benefit refunds the first policy year's base premium after five consecutive claim-free policy years, subject to renewal conditions.
Choose for comprehensive coverage: The brochure lists inpatient care, day-care procedures, advanced technology treatments, AYUSH and other hospitalisation benefits, subject to policy terms.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Reassure 3.0 Health Insurance Plan VS VS |
Ultimate Health Insurance Plan |
| Room Rent |
|---|
Reassure 3.0 General Ward. Select: up to Twin Sharing. Elite: all rooms except Deluxe and Suite. Black: no room-category capping. Choosing a room above the eligible category can result in co-payment on the entire claim, as specified in the policy annexure. |
VS VS |
Ultimate All room categories are covered |
| ICU Charges |
|---|
Reassure 3.0 Covered within hospitalisation expenses up to the Sum Insured. No separate ICU sub-limit is stated in the policy wording |
VS VS |
Ultimate No restriction on ICU room rent |
| Co-payment |
|---|
Reassure 3.0 No mandatory co-payment applies under the base plan. Room-category co-payment can apply if the insured chooses a room above the variant's eligibility. Optional voluntary co-payment ranges from 0% to 50%. A 20% co-payment may apply when HeadsUp or Tiered Network conditions are not met. |
VS VS |
Ultimate Not available |
| Disease-wise sublimits |
|---|
Reassure 3.0 No general disease-wise sublimits are stated. Classic and Select have a ₹1 lakh per-claim limit for modern treatments. Cataract treatment under these variants is limited to a monofocal lens, subject to policy wording. |
VS VS |
Ultimate No |
| Restoration Benefit |
|---|
Reassure 3.0 ReAssure Forever is triggered after the first paid claim and provides unlimited reinstatements, with each claim covered up to the Base Sum Insured. It remains available for life if the policy is renewed without a break. This benefit applies only when Unlimited Sum Insured has not been selected. |
VS VS |
Ultimate Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses |
| Cashless Healthcare Providers |
|---|
Reassure 3.0 Cashless treatment is available at Niva Bupa network hospitals. The insurer also describes a Cashless Everywhere facility for non-network hospitals, subject to its process and applicable terms. Current network hospital count requires verification. |
VS VS |
Ultimate 21700+ Healthcare Providers |
| Cumulative Bonus |
|---|
Reassure 3.0 Booster+ carries forward unused Base Sum Insured into the next policy year, accumulating up to 10 times the Base Sum Insured. This applies to the ₹5 lakh and ₹10 lakh options. Its treatment with Unlimited Sum Insured requires confirmation |
VS VS |
Ultimate Your sum insured increases by 50% every year maximum upto 100%. However, you can pay an additional premium to increase sum insured up to 100%, every year. |
| Daycare Treatment |
|---|
Reassure 3.0 Covered up to the Sum Insured. Hospitalisation of 2 hours or more qualifies, subject to policy terms. AYUSH hospitalisation requires 24 hours or more. |
VS VS |
Ultimate Covers medical expenses for treatments not requiring 24-hour hospitalization, up to annual sum insured |
| Consumable Cover |
|---|
Reassure 3.0 Consumables and non-payable items are not covered under the base plan. Optional Claim Safeguard+ covers specified items listed under Lists I to IV. |
VS VS |
Ultimate No. However, available as an add-on |
| AYUSH Treatment |
|---|
Reassure 3.0 In-patient AYUSH treatment is covered up to the Sum Insured for admissions of 24 hours or more in an AYUSH hospital, subject to policy terms. |
VS VS |
Ultimate Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Initial Waiting Period |
|---|
Reassure 3.0 30 days, with accidents covered from Day 1. Optional modifications can reduce the initial waiting period to 7, 10 or 15 days. |
VS VS |
Ultimate 30 days |
| Specific Waiting Period |
|---|
Reassure 3.0 24 months for listed diseases and procedures. Accidents are covered from Day 1, and cancer is covered after 30 days, subject to policy terms. An optional modification can change the specific waiting period to 12 or 36 months. |
VS VS |
Ultimate 2 years |
| PED Waiting Period |
|---|
Reassure 3.0 36 months for pre-existing diseases. Optional modifications can reduce this to 12 or 24 months. Day 1 PED cover may be available with additional premium loading, subject to underwriting and acceptance. |
VS VS |
Ultimate 3 years |
| Modern Treatment |
|---|
Reassure 3.0 Classic and Select: up to ₹1 lakh per claim, removable with the optional Modern Treatments+ benefit. Elite and Black: covered up to the Sum Insured. Covers 12 listed modern treatments, including robotic surgery, oral chemotherapy and stem cell therapy |
VS VS |
Ultimate Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
Reassure 3.0 Available as an optional benefit, with Cashless Only or Cashless + Reimbursement options, once per policy year from Day 1. The policy annexure lists variant-wise packages ranging from 7 tests for Classic to 18 tests for Black. Exact package mapping requires confirmation. |
VS VS |
Ultimate Health checkup is not included as part of base cover. However, available as an add-on |
| Pre-Hospitalisation |
|---|
Reassure 3.0 Covered for 60 days before hospitalisation, up to the Sum Insured. Optional modifications may change this period to 30, 90 or 180 days. |
VS VS |
Ultimate You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Reassure 3.0 Covered for 180 days after hospital discharge, up to the Sum Insured. Optional modifications may change the period to 30, 60, 90, 270 or 365 days. |
VS VS |
Ultimate You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it |
| Outpatient Department Cover (OPD Expense) |
|---|
Reassure 3.0 OPD expenses are not covered under the base plan. Optional WellConsult+ provides an OPD limit linked to 1x to 5x of the base premium, with a 20% co-payment on reimbursement claims. Unlimited e-consultations are included in the base plan. |
VS VS |
Ultimate OPD expense is not included as part of base cover. However, available as an add-on |
| Deductible Option |
|---|
Reassure 3.0 Optional annual aggregate deductible of ₹10,000, ₹20,000, ₹30,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹4 lakh or ₹5 lakh. The deductible cannot be combined with voluntary co-payment. |
VS VS |
Ultimate Not available |
| Coverage Options |
|---|
Reassure 3.0 Base Sum Insured options of ₹5 lakh, ₹10 lakh or Unlimited. Available on an individual, multi-individual or family floater basis, covering up to 6 members. Policy terms range from 1 to 5 years. |
VS VS |
Ultimate Available coverage options: ₹5L, 7L, 10L, 15L, 20L, 25L, 50L, 1 Cr |
| Claim Settlement Ratio |
|---|
Reassure 3.0 96.8% of claims settled by number in FY 2025-26 for the combined ReAssure product line. The insurer's disclosure groups ReAssure, ReAssure 2.0 and ReAssure 3.0 UINs together, so this is not a ReAssure 3.0-only figure. Niva Bupa's company-level figure was 94.4% for FY 2025-26. |
VS VS |
Ultimate 96% |
| Maternity Cover |
|---|
Reassure 3.0 Maternity expenses are excluded under the standard policy terms. No maternity-specific optional benefit was identified in the reviewed documents. |
VS VS |
Ultimate Not available |
Insurance Plans Comparison
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