Insurance Plans Comparison
Niva Bupa Reassure 3.0 vs Star Young Star
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreReassure 3.0
Reassure 3.0
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
Young Star
Star Young star policy
What Makes It Special:
Young Star Insurance Policy is a health insurance plan designed for adults between 18 and 40 years, with dependent children eligible from 91 days to 25 years on a floater basis. It offers individual and family floater coverage, automatic restoration of Basic Sum Insured, cumulative bonus, health check-up benefits, wellness...
Best For:
Buyers looking for long-term health insurance with lifelong renewability
Customers who want wellness-based premium discounts
Customers looking for automatic restoration of Basic Sum Insured
Young families seeking individual or family floater coverage
Adults between 18 and 40 years looking for health insurance
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.
The restored Sum Insured cannot be carried forward and does not apply to Modern Treatment.
The maternity benefit is available only under the Gold Plan and has specific eligibility and waiting period conditions.
Room eligibility is based on a Single Private A/C Room, with proportionate deductions for higher room categories.
Specified diseases and procedures have a 12-month waiting period.
The PED waiting period is 12 months.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Reassure 3.0 Health Insurance Plan VS VS |
![]() Young Star 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 |
Young Star Single Private A/C Room, with proportionate deductions applicable for higher room categories |
| 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 |
Young Star Covered as part of hospitalisation expenses |
| 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 |
Young Star No standard co-payment specified in the supplied policy document |
| 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 |
Young Star Applicable limits may apply to specific treatments and benefits |
| 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 |
Young Star 100% Automatic Restoration of Basic Sum Insured, subject to policy conditions |
| 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 |
Young Star Cashless hospitalisation available through Star Health network hospitals |
| 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 |
Young Star 20% of Basic Sum Insured for every claim-free year, up to 100% of Basic Sum Insured |
| 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 |
Young Star All Day Care Procedures Covered |
| 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 |
Young Star Not specifically mentioned in the supplied policy document |
| 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 |
Young Star Covered, subject to applicable policy terms |
| 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 |
Young Star 30 Days, except for eligible accident-related claims |
| 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 |
Young Star 12 Months for specified diseases and procedures |
| 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 |
Young Star 12 Months for pre-existing diseases and their direct complications |
| 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 |
Young Star Covered subject to applicable limits |
| 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 |
Young Star Available after completion of each policy year, subject to applicable limits and renewal |
| 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 |
Young Star Covered for up to 60 Days |
| 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 |
Young Star Covered for up to 90 Days |
| 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 |
Young Star Not specified as a standard OPD benefit |
| 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 |
Young Star 1-day deductible applies to the Hospital Cash Benefit |
| 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 |
Young Star ₹3 Lakh to ₹1 Crore, with ₹3 Lakh available only on an individual basis; higher options available on individual and floater basis |
| 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 |
Young Star Not specified in the supplied policy document |
| 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 |
Young Star Delivery expenses up to ₹30,000 per delivery under the Gold Plan, subject to a 36-month waiting period and other conditions |
Insurance Plans Comparison
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