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Insurance Plans Comparison

Niva Bupa Reassure 2.0 Gold vs Star Health Cardiac Care Silver & Gold Plan

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

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Niva Bupa

Reassure 2.0 Gold

Carry forward unused cover up to 10X and get your Base Sum Insured reinstated unlimited times after your first paid claim.

What Makes It Special:

ReAssure 2.0 Gold is a health insurance variant from Niva Bupa that combines Booster+ 10X carry-forward of unused cover, ReAssureX unlimited reinstatement and no room rent limit. It also offers eligible hospitalisation cover for stays of 2 hours or more, annual health check-ups from Day 1 and unlimited e-consultations with...

Best For:

  • Customers who want to explore optional co-payment, deductible or room-type choices to manage costs.

  • Buyers who value the carry-forward of unused Base Sum Insured.

  • People who want the flexibility to choose any room without a standard room rent cap.

  • Families looking for a floater policy with unlimited reinstatement of cover.

  • Buyers who want Booster+ 10X without the Lock the Clock feature.

VS
Star

Health Cardiac Care Silver & Gold Plan

Health Insurance for Individuals with a History of Cardiac Conditions

What Makes It Special:

Cardiac-Focused Health Insurance

Best For:

  • Customers seeking specified modern treatment and eligible AYUSH coverage.

  • Individuals seeking outpatient benefits at network hospitals.

  • Customers comparing Silver and Gold cardiac coverage options.

  • Customers seeking cover for eligible cardiac and non-cardiac hospitalisation.

  • Individuals with a qualifying history of cardiac conditions or procedures.

Insurance Plans Comparison

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Quick Decision Guide

  • Lock the Clock is not included in Gold, and the premium may change at renewal according to the applicable pricing terms.

  • Consumables and specified non-payable items require the optional Safeguard or Safeguard+ benefit.

  • Maternity expenses and routine OPD expenses are not covered under the base plan.

  • Listed conditions and procedures have a 24-month waiting period.

  • The standard pre-existing disease waiting period is 36 months, with optional reductions to 1 or 2 years at additional premium.

  • Annual health check-ups are available from Day 1, and unlimited e-consultations with network partners are included.

  • Eligible hospitalisation of 2 hours or more is covered.

  • Booster+ 10X carries forward unused Base Sum Insured into subsequent policy years.

  • ReAssureX provides unlimited reinstatements after the first paid claim, with each claim under the benefit covered up to the Base Sum Insured.

  • No standard room rent cap, with ICU expenses covered up to the Sum Insured.

  • Check the outpatient benefit limit and network hospital requirements.

  • Review the room rent limit and post-hospitalisation benefit limit.

  • Check the 10% co-payment applicable from age 61.

  • Understand the 30-day initial waiting period and other applicable waiting periods.

  • Review the 90-day cardiac waiting period.

  • Compare the cardiac coverage offered under Silver and Gold.

  • Check whether you meet the policy’s cardiac eligibility criteria.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Reassure 2.0 Gold
Reassure 2.0 Gold

Health Insurance Plan

VS
Health Cardiac Care Silver & Gold Plan
Health Cardiac Care Silver & Gold Plan

Health Insurance Plan

Room Rent

Reassure 2.0 Gold

No room rent limit under the standard Gold variant. Optional Room Type Modification may allow a single private room or shared room at a lower premium. Choosing a room above the selected room category may lead to proportionate deductions.

VS

Health Cardiac Care Silver & Gold Plan

  1. Room, boarding and nursing expenses covered up to ₹5,000 per day.
ICU Charges

Reassure 2.0 Gold

Covered up to the Sum Insured, with no separate ICU cap stated. If Room Type Modification is selected, ICU expenses are covered up to the Base Sum Insured.

VS

Health Cardiac Care Silver & Gold Plan

Covered as part of eligible hospitalisation expenses, subject to policy terms.

Co-payment

Reassure 2.0 Gold

No mandatory co-payment applies under the base plan. Optional voluntary co-payment options are 20%, 30%, 40% or 50%. The optional Tiered Network benefit offers a 15% premium discount and applies a 20% co-payment when treatment is taken at a non-tiered network hospital.

VS

Health Cardiac Care Silver & Gold Plan

10% for insured persons aged 61 years and above at policy purchase or renewal.

Disease-wise sublimits

Reassure 2.0 Gold

No general disease-wise sublimits are stated in the reviewed policy wording. Specific benefit limits apply, including air ambulance cover up to ₹2,50,000 per hospitalisation and the monofocal cataract lens restriction for Sum Insured up to ₹10 lakh.

VS

Health Cardiac Care Silver & Gold Plan

Sublimits apply to specified treatments, including cataract and modern treatments.

Cashless Healthcare Providers

Reassure 2.0 Gold

Cashless treatment is available at Niva Bupa network hospitals. The reviewed single-sheeter cites approximately 10,000+ network hospitals. Cashless Everywhere is also offered at non-network hospitals, subject to the insurer's process. The brochure mentions a 30-minute cashless pre-authorisation commitment.

VS

Health Cardiac Care Silver & Gold Plan

Cashless treatment is available at eligible network hospitals, subject to authorisation and policy conditions.

Restoration Benefit

Reassure 2.0 Gold

ReAssureX, also referred to as ReAssure Forever, is triggered by the first paid claim in the life of the policy. It provides unlimited reinstatements, with each claim under the benefit covered up to the Base Sum Insured. It remains available for life if the policy is renewed without a break. Lock the Clock is not included in the Gold variant.

VS

Health Cardiac Care Silver & Gold Plan

Not specified.

Cumulative Bonus

Reassure 2.0 Gold

Booster+ 10X carries forward unused Base Sum Insured into the next policy year, up to 10 times the Base Sum Insured. The accumulated amount may be reduced proportionately if the Base Sum Insured is reduced.

VS

Health Cardiac Care Silver & Gold Plan

Not specified.

Daycare Treatment

Reassure 2.0 Gold

Covered up to the Sum Insured. Hospitalisation of 2 hours or more qualifies, subject to policy terms. AYUSH treatment requires a minimum admission of 24 hours.

VS

Health Cardiac Care Silver & Gold Plan

Eligible daycare procedures are covered, subject to policy terms.

Consumable Cover

Reassure 2.0 Gold

Consumables and non-payable items are not covered under the base plan. Optional Safeguard covers specified List I items, while Safeguard+ covers specified items under Lists I to IV.

VS

Health Cardiac Care Silver & Gold Plan

Not specified.

AYUSH Treatment

Reassure 2.0 Gold

Eligible in-patient AYUSH treatment is covered up to the Sum Insured for admissions of at least 24 hours in an AYUSH hospital. Yoga and Naturopathy claims require prior approval.

VS

Health Cardiac Care Silver & Gold Plan

Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered up to the Sum Insured, subject to policy terms.

Initial Waiting Period

Reassure 2.0 Gold

30 days. Accidents are covered from Day 1, subject to policy terms.

VS

Health Cardiac Care Silver & Gold Plan

30 days, except for covered accident-related claims.

Specific Waiting Period

Reassure 2.0 Gold

24 months for listed conditions and procedures. The waiting period does not apply to accidents. Cancer is covered after the initial 30-day waiting period, subject to policy terms.

VS

Health Cardiac Care Silver & Gold Plan

24 months for specified diseases and procedures.

PED Waiting Period

Reassure 2.0 Gold

36 months of continuous coverage for pre-existing diseases. Optional PED Waiting Time Modification can reduce this to 1 or 2 years at additional premium.

VS

Health Cardiac Care Silver & Gold Plan

36 months for pre-existing diseases. Cardiac ailments covered under Section II have a separate 90-day waiting period.

Modern Treatment

Reassure 2.0 Gold

Covered up to the Sum Insured for 12 listed procedures, including robotic surgery, oral chemotherapy, stem cell therapy, deep brain stimulation and intravitreal injections. For Sum Insured up to ₹10 lakh, cataract cover is limited to a monofocal lens, subject to policy terms.

VS

Health Cardiac Care Silver & Gold Plan

Specified modern treatments are covered within the applicable treatment limits.

Annual Health Checkup

Reassure 2.0 Gold

Available from Day 1, once every policy year. The benefit is ₹500 per ₹1 lakh of Base Sum Insured, capped at ₹5,000 per insured individual or ₹10,000 per floater policy. Cashless only, booked through the Niva Bupa app, subject to policy terms.

VS

Health Cardiac Care Silver & Gold Plan

Not specified.

Pre-Hospitalisation

Reassure 2.0 Gold

Eligible pre-hospitalisation expenses are covered for up to 60 days, up to the Sum Insured.

VS

Health Cardiac Care Silver & Gold Plan

Covered for up to 30 days before hospital admission.

Post-Hospitalisation

Reassure 2.0 Gold

Eligible post-hospitalisation expenses are covered for up to 180 days, up to the Sum Insured.

VS

Health Cardiac Care Silver & Gold Plan

Up to 60 days after discharge, limited to 7% of hospitalisation expenses and a maximum of ₹5,000 per hospitalisation.

Outpatient Department Cover (OPD Expense)

Reassure 2.0 Gold

Routine OPD expenses are not covered under the base plan. Unlimited e-consultations with network partners are included.

VS

Health Cardiac Care Silver & Gold Plan

Up to ₹500 per event, subject to a maximum of ₹1,500 per policy period at network hospitals in India.

Deductible Option

Reassure 2.0 Gold

The prospectus lists an optional annual aggregate deductible of ₹10,000, ₹20,000, ₹30,000, ₹50,000 or ₹1,00,000 for the Bronze/Silver/Gold group. The Gold single-sheeter does not list this benefit, so availability for the Gold variant and sales channel requires confirmation.

VS

Health Cardiac Care Silver & Gold Plan

Not specified.

Coverage Options

Reassure 2.0 Gold

Base Sum Insured options listed in the reviewed single-sheeter are ₹5 lakh, ₹7.5 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh, ₹25 lakh, ₹50 lakh and ₹1 crore. Individual cover for up to 6 members or family floater options are listed, with 1-year, 2-year and 3-year policy terms. Confirm the ₹7.5 lakh option against the insurer's latest schedule before publication.

VS

Health Cardiac Care Silver & Gold Plan

Individual coverage with Silver and Gold plan options.

Claim Settlement Ratio

Reassure 2.0 Gold

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 Gold-specific ratio. Niva Bupa's company-level figure was 94.4% for FY 2025-26.

VS

Health Cardiac Care Silver & Gold Plan

Insurer-level metric, not a policy benefit.

Maternity Cover

Reassure 2.0 Gold

Maternity expenses are excluded under the standard policy terms. Ectopic pregnancy is treated separately in the exclusion wording.

VS

Health Cardiac Care Silver & Gold Plan

Not covered, except where the policy provides an applicable accident-related exception.

Insurance Plans Comparison

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