Insurance Plans Comparison
Care Supreme vs Niva Bupa Reassure
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreSupreme
Comprehensive Health Plan with Unlimited Restoration and Zero Room Rent Limits.
What Makes It Special:
Care Supreme by Care Health Insurance is a comprehensive health plan designed for individuals and families, offering sum insured options from ₹3 lakh to ₹1 crore. It covers in-patient hospitalization, AYUSH treatments, day-care procedures, domiciliary care, and organ donor expenses with no sub-limits. Key highlights include the “Cumulative Bonus Super,”...
Best For:
Family-Focused Comprehensive Plan
High-Bonus Health Coverage
Wellness and Fitness Rewards
Customizable All-Round Protection
VS
Reassure
Niva Bupa ReAssure Plan No room rent cap, cover that refills from your first paid claim, and Loyalty Additions that can double your Base Sum Insured.
What Makes It Special:
Niva Bupa's ReAssure health insurance plan offers unlimited in-year reinstatement from the first paid claim, Loyalty Additions up to 100% of Base Sum Insured and no room rent capping.
Best For:
Customers who value preventive health benefits: Annual health check-ups are available from day one, alongside the Live Healthy renewal discount programme.
Long-term policyholders: Loyalty Additions can increase Base Sum Insured by up to 100%.
People who prefer room flexibility: The plan has no room rent capping, subject to the policy terms.
Buyers seeking flexible cover amounts: Sum Insured options range from ₹3 lakh to ₹1 crore.
Families looking for recurring cover: The ReAssure benefit reinstates cover from the first paid claim and can be used for subsequent claims throughout the policy year.
Insurance Plans Comparison
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Quick Decision Guide
You want a high bonus for claim-free years
Has OPD benefits which can be opted at a minimal premium
You prefer no sub-limits on key expenses
Wellness rewards and fitness discounts motivate you
You need add-ons like mental health coverage
Road ambulance expenses are limited to ₹2,000 per hospitalisation.
Maternity expenses and OPD treatment are excluded.
Most robotic surgeries have a ₹1 lakh limit unless Modern Treatment+ is selected.
Listed conditions and procedures have a 24-month specific waiting period.
The pre-existing disease waiting period is 36 months.
Annual health check-ups are available from day one, with a potential renewal discount through Live Healthy.
Sum Insured options range from ₹3 lakh to ₹1 crore.
Loyalty Additions add 50% of Base SI each year, up to 100%.
Unlimited in-year reinstatement starts from the first paid claim.
No room rent capping, with ICU expenses covered up to Sum Insured.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Supreme Health Insurance Plan VS VS |
Reassure Health Insurance Plan |
| Room Rent |
|---|
Supreme All room categories are covered |
VS VS |
Reassure No room rent capping. Eligible inpatient room categories are covered subject to policy terms. |
| ICU Charges |
|---|
Supreme No restriction on ICU room rent |
VS VS |
Reassure Covered up to Sum Insured under inpatient care, with no separate ICU cap. |
| Co-payment |
|---|
Supreme Not available |
VS VS |
Reassure No co-payment under the base plan. The optional Tiered Network add-on offers a 15% premium discount and applies a 20% co-payment when treatment is taken at a non-tiered network hospital. |
| Disease-wise sublimits |
|---|
Supreme No |
VS VS |
Reassure No general disease-wise sublimits. Most robotic surgeries have a ₹1 lakh limit, with listed exceptions. Road ambulance is limited to ₹2,000 per hospitalisation, and air ambulance reimbursement is capped at ₹2.5 lakh. |
| Cashless Healthcare Providers |
|---|
Supreme 21700+ Healthcare Providers |
VS VS |
Reassure Cashless treatment is available at Niva Bupa network providers, subject to network participation and pre-authorisation. Niva Bupa has reported a company-wide network of 10,000+ hospitals. |
| Restoration Benefit |
|---|
Supreme Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses (per claim in a policy year for related/unrelated illnesses) |
VS VS |
Reassure The ReAssure benefit provides unlimited reinstatement within the policy year, triggered from the first paid claim. It is available for subsequent claims for any illness and any insured member. Each claim under the benefit is limited to Base Sum Insured |
| Daycare Treatment |
|---|
Supreme Covers medical expenses for treatments not requiring 24-hour hospitalization, up to annual sum insured |
VS VS |
Reassure Eligible day-care treatment is covered up to Sum Insured. The policy wording specifies admission exceeding 2 hours and includes procedures such as angiography, dialysis, radiotherapy and chemotherapy for cancer. |
| Cumulative Bonus |
|---|
Supreme Your sum insured increases by 50% every year maximum upto 100%. However, you can pay an additional premium to increase sum insured up to 500% (Option to boost coverage by 5x annually) |
VS VS |
Reassure Loyalty Additions add 50% of the previous year's Base Sum Insured at each policy anniversary, up to 100% of Base SI |
| AYUSH Treatment |
|---|
Supreme Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Reassure Eligible inpatient treatment under Ayurveda, Unani, Siddha and Homeopathy at an AYUSH hospital is covered up to Sum Insured. Yoga is not covered. |
| Consumable Cover |
|---|
Supreme No. However, available as an add-on |
VS VS |
Reassure Not covered in the base plan. Optional Safeguard covers List I non-payable items, while Safeguard+ covers Lists I to IV. |
| Initial Waiting Period |
|---|
Supreme 30 days |
VS VS |
Reassure 30 days for illnesses. Accidents are covered from day one. |
| Specific Waiting Period |
|---|
Supreme 2 years |
VS VS |
Reassure 24 months for listed conditions and procedures, subject to policy terms. This waiting period does not apply to accidents. Cancer is covered after the applicable 30-day initial waiting period. |
| PED Waiting Period |
|---|
Supreme 3 years |
VS VS |
Reassure 36 months of continuous coverage for declared pre-existing diseases, subject to policy terms. |
| Modern Treatment |
|---|
Supreme Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS VS |
Reassure Covered up to Sum Insured. Most robotic surgeries have a ₹1 lakh limit, except robotic radical prostatectomy, cardiac, partial nephrectomy and cancer surgeries. The optional Modern Treatment+ add-on removes the ₹1 lakh limit. |
| Annual Health Checkup |
|---|
Supreme Health checkup is not included as part of base cover. However, available as an add-on |
VS VS |
Reassure Available from day one, once per policy year. Benefit value is ₹500 per ₹1 lakh of Sum Insured, up to ₹5,000 per insured individual or ₹10,000 per Family Floater policy. Cashless only. |
| Pre-Hospitalisation |
|---|
Supreme You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
VS VS |
Reassure Covered for up to 60 days, up to Sum Insured, on a reimbursement basis. |
| Post-Hospitalisation |
|---|
Supreme You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it |
VS VS |
Reassure Covered for up to 180 days, up to Sum Insured, on a reimbursement basis. |
| Outpatient Department Cover (OPD Expense) |
|---|
Supreme OPD expense is not included as part of base cover. However, available as an add-on |
VS VS |
Reassure OPD treatment is not covered under the base plan. |
| Deductible Option |
|---|
Supreme Not available |
VS VS |
Reassure No deductible option is listed in the base product benefit table. |
| Coverage Options |
|---|
Supreme Available coverage options: ₹5L, ₹7L, ₹10L, ₹15L, ₹25L, ₹50L and ₹1 Cr |
VS VS |
Reassure Base Sum Insured options are ₹3 lakh, ₹4 lakh, ₹5 lakh, ₹7.5 lakh, ₹10 lakh, ₹12.5 lakh, ₹15 lakh, ₹20 lakh, ₹25 lakh, ₹50 lakh, ₹75 lakh and ₹1 crore. Available on Individual or Family Floater basis, covering up to 2 adults and 4 children. |
| Claim Settlement Ratio |
|---|
Supreme 96% |
VS VS |
Reassure 96.8% of claims settled by number in FY 2025-26 for the ReAssure product line, which includes ReAssure, ReAssure 2.0 and ReAssure 3.0 UINs in the insurer's disclosure. Company-level figure reported in the annual report: 94.4%. |
| Maternity Cover |
|---|
Supreme Not available |
VS VS |
Reassure Maternity expenses are excluded under the base plan. |
Insurance Plans Comparison
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