Insurance Plans Comparison
Star Comprehensive vs Niva Bupa Reassure
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreComprehensive
Family health insurance with maternity, OPD, dental and eye cover, 100% restoration and up to 100% cumulative bonus.
What Makes It Special:
An all-in-one family health plan that combines hospitalisation cover with maternity and new-born cover, OPD consultations, dental and eye care, hospital cash, bariatric surgery and accidental death/disability cover in a single policy.
Best For:
People under 61 who want to avoid co-payment
Buyers looking for a fast-growing bonus (100% after one claim-free year for SI ₹7.5L+)
People who want OPD, dental and eye expenses included
Families wanting individual or floater cover up to ₹1 crore
Young couples planning a family (maternity and new-born cover)
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
Get Personalized Advice
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
Things to Consider: Premiums vary by city zone.
Things to Consider: Modern treatments and bariatric surgery have sublimits.
Things to Consider: Maternity needs both spouses covered for 24 months, and delivery limits are modest at lower SI.
Things to Consider: 10% co-payment for people who join at age 61 or above.
Things to Consider: 36-month PED waiting period, unless you buy the optional PED buy-back (reduces it to 12 months).
Reasons to Consider: 60 days of pre- and 90 days of post-hospitalisation cover, plus air ambulance and home care.
Reasons to Consider: Cumulative bonus up to 100% of SI, plus 100% restoration once a year (usable for the same illness).
Reasons to Consider: OPD consultations and dental/eye treatment covered outside the Sum Insured.
Reasons to Consider: Delivery (up to 2) and new-born cover after 24 months.
Reasons to Consider: Private single AC room with no fixed room rent cap.
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
![]() Comprehensive Health Insurance Plan VS VS |
Reassure Health Insurance Plan |
| Room Rent |
|---|
Comprehensive Information Unavailable |
VS VS |
Reassure No room rent capping. Eligible inpatient room categories are covered subject to policy terms. |
| Advanced Treatments |
|---|
Comprehensive Coverage includes robotic surgeries, stem cell therapy, organ transplants, modern cancer treatments, bariatric surgery, and advanced cardiac procedures as per policy terms. |
VS VS |
Reassure Information Unavailable |
| ICU Charges |
|---|
Comprehensive Covered up to Sum Insured; no separate ICU cap. |
VS VS |
Reassure Covered up to Sum Insured under inpatient care, with no separate ICU cap. |
| Co-payment |
|---|
Comprehensive This policy is subject to co-payment of 10% of each and every claim amount for fresh as well as renewal policies for insured persons whose age at the time of entry is 61 years and above |
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 |
|---|
Comprehensive Information Unavailable |
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. |
| Waiting Period |
|---|
Comprehensive
|
VS VS |
Reassure Information Unavailable |
| Cashless Healthcare Providers |
|---|
Comprehensive Access to over 14,000+ cashless healthcare providers for seamless treatment. |
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 |
|---|
Comprehensive Information Unavailable |
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 |
|---|
Comprehensive covered by the policy. |
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 |
|---|
Comprehensive SI ₹5L: 50% of Basic SI per claim-free year, max 100%. SI ₹7.5L and above: 100% of Basic SI after one claim-free year, max 100%. |
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 |
|---|
Comprehensive AYUSH treatments are covered up to the sum insured. |
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 |
|---|
Comprehensive Not mentioned (no separate consumables cover in the policy documents). |
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 |
|---|
Comprehensive 30 days (accidents excepted) |
VS VS |
Reassure 30 days for illnesses. Accidents are covered from day one. |
| Specific Waiting Period |
|---|
Comprehensive 24 months for listed diseases/procedures; 36 months for Bariatric Surgery; 24 months for Delivery and New Born cover |
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 |
|---|
Comprehensive Information Unavailable |
VS VS |
Reassure 36 months of continuous coverage for declared pre-existing diseases, subject to policy terms. |
| Modern Treatment |
|---|
Comprehensive
|
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 |
|---|
Comprehensive Information Unavailable |
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 |
|---|
Comprehensive Information Unavailable |
VS VS |
Reassure Covered for up to 60 days, up to Sum Insured, on a reimbursement basis. |
| Post-Hospitalisation |
|---|
Comprehensive Information Unavailable |
VS VS |
Reassure Covered for up to 180 days, up to Sum Insured, on a reimbursement basis. |
| Outpatient Department Cover (OPD Expense) |
|---|
Comprehensive Information Unavailable |
VS VS |
Reassure OPD treatment is not covered under the base plan. |
| Deductible Option |
|---|
Comprehensive Information Unavailable |
VS VS |
Reassure No deductible option is listed in the base product benefit table. |
| Coverage Options |
|---|
Comprehensive Information Unavailable |
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 |
|---|
Comprehensive Information Unavailable |
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 |
|---|
Comprehensive Information Unavailable |
VS VS |
Reassure Maternity expenses are excluded under the base plan. |
Insurance Plans Comparison
Still Confused? Get Expert Advice
Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.
Why Choose Our Expert Consultation?
What Our Experts Help You With
Personalised Recommendations
Every suggestion is backed by expert analysis of your life stage, goals, and budget
Expert-Led Policy Review
We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later
Smart, Tech-Enabled Experience
From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free
Insurance Plans Comparison
Explore Insurance Category
Senior Citizen Health Plan
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
Family Health Plan
One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs
Maternity Health Plan
Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs
Insurance Plans Comparison
Frequently Asked Questions (FAQs)
Having questions? We've got answers. Explore our FAQs to find the information you need.
Explore Our Most Popular Plans
Compare With Other Health Insurance Plans
Comprehensive vs Optima Secure
Comprehensive vs Super Mediclaim
Comprehensive vs Health Recharge
Comprehensive vs Cancer Cover Activ Cancer Secure Plan
Comprehensive vs Optima Secure Plus
Comprehensive vs Women Care
Comprehensive vs Aspire Diamond+
Comprehensive vs Activate Booster Plan A
Comprehensive vs Active Care Premier
Comprehensive vs ProHealth Accumulate
Comprehensive vs Health Super Saver Standard
Comprehensive vs Supreme Shine
Comprehensive vs Optima Secure Global Plus
Comprehensive vs Health Cardiac Care Silver & Gold Plan
Comprehensive vs myHealth Suraksha Gold
Comprehensive vs LifeTime Health Global
Comprehensive vs Active Fit Plus
Comprehensive vs OneHealth Premium
Comprehensive vs Activ Health Platinum Essential
Comprehensive vs Medicare Plus
Comprehensive vs Medicare Senior
Comprehensive vs Enhance Super Top-up Two
Comprehensive vs Medicare Protect
Comprehensive vs Activ One SAVR
Comprehensive vs Active Assure Diamond
Comprehensive vs Activ One VIP
Comprehensive vs Health Pulse Classic
Comprehensive vs Advantage
Comprehensive vs Special Care Gold
Comprehensive vs Activ One Max
Comprehensive vs Classic
Comprehensive vs Activ One Vytl
Comprehensive vs Supreme
Comprehensive vs Freedom
Comprehensive vs Sarvah Pratham
Comprehensive vs Joy Today
Comprehensive vs Medi Classic
Comprehensive vs Activate Booster Plan B
Comprehensive vs Aspire Gold+
Comprehensive vs Aspire Platinum+
Comprehensive vs Plus Complete
Comprehensive vs Reassure 2.0 Platinum+
Comprehensive vs Elder Care
Comprehensive vs Reassure 3.0 Elite
Comprehensive vs EquiCover
Comprehensive vs Young Star Gold
Comprehensive vs Enhance Super Top-up One
Comprehensive vs Joy Tomorrow
Comprehensive vs Activ One VIP+
Comprehensive vs Reassure 3.0 Select
Comprehensive vs Red Carpet Senior Citizens
Comprehensive vs Medicare Premier
Comprehensive vs Family Health Optima
Comprehensive vs Health Companion Variant 2022
Comprehensive vs Health Companion Variant 3
Comprehensive vs Plus Youth
Comprehensive vs Assure
Comprehensive vs Health Premia Gold
Comprehensive vs Health Premia Platinum
Comprehensive vs Cancer Care Platinum
Comprehensive vs Optima Lite
Comprehensive vs ProHealth Prime Protect
Comprehensive vs HeartBeat Enhanced
Comprehensive vs Reassure
Comprehensive vs Supreme Senior Premium
Comprehensive vs Health Recharge Super Top Up Plan
Comprehensive vs Reassure 3.0
Comprehensive vs myHealth Suraksha Platinum
Comprehensive vs Supreme Value for Money
Comprehensive vs Supreme Senior Super
Comprehensive vs Supreme Enhance
Comprehensive vs Reassure 2.0 Gold
Comprehensive vs Medicare
Comprehensive vs Ultimate (Direct)
Comprehensive vs Young Star
Comprehensive vs Sarvah Param
Comprehensive vs Optima Insurance
Comprehensive vs Smart Super Health Assure
Comprehensive vs Reassure 3.0 Black
Comprehensive vs Health Guard Platinum
Comprehensive vs Health Guard Gold
Comprehensive vs Elevate (Direct)
Comprehensive vs Extra Care Plus Super Top-up
Comprehensive vs Health Care Supreme Smart
Comprehensive vs Smart Health Pro
Comprehensive vs Medi Classic Gold
Comprehensive vs Optima Super Secure
Comprehensive vs Special Care
Comprehensive vs Medicare LITE
Comprehensive vs Health Shield 360
Comprehensive vs SecureHealth
Comprehensive vs Supreme (Direct)
Comprehensive vs Plus
Comprehensive vs Mediclaim Insurance Policy
Comprehensive vs Medicare Select
Comprehensive vs Health Gain
Comprehensive vs myHealth Koti Suraksha
Comprehensive vs Senior
Comprehensive vs myHealth Suraksha Silver
Comprehensive vs Cardiac Care Platinum
Comprehensive vs Royal Sundaram Lifeline Elite
Comprehensive vs Super Surplus Gold
Comprehensive vs Supreme Enhance One
Comprehensive vs Supreme Enhance Two
Comprehensive vs HeartBeat Platinum
Comprehensive vs HeartBeat Gold
Comprehensive vs Health SuperCharge
Comprehensive vs Aspire Titanium+
Comprehensive vs iHealth Plus
Comprehensive vs ProHealth Prime Advantage
Comprehensive vs Active Fit Preferred
Comprehensive vs Reassure 3.0 Classic
Comprehensive vs Senior Health Advantage
Comprehensive vs Health Wallet
Comprehensive vs Elevate
Comprehensive vs Heart
Comprehensive vs LifeTime Health
Comprehensive vs Reassure 2.0 Titanium+
Comprehensive vs ProHealth Prime Active
Comprehensive vs ProHealth Prime Senior Elite
Comprehensive vs Advanced Top Up
Comprehensive vs Multiplier Health
Comprehensive vs Diabetes Safe Plan A
Comprehensive vs Reassure 2.0 Bronze+
Comprehensive vs Enhance Super Top-up
Comprehensive vs Young Star Silver
Comprehensive vs Star Women Care Policy
Comprehensive vs Joy
Comprehensive vs Supreme Senior Health AdvantEdge
Comprehensive vs Family Plus
Comprehensive vs Criti Shield Plus
Comprehensive vs Health Care Supreme Ultimo
Comprehensive vs Health Shield 360 Retail
Comprehensive vs Super Star
Comprehensive vs Supreme Super Saver
Comprehensive vs Senior First Platinum
Comprehensive vs Optima Secure Global
Comprehensive vs NextGen
Comprehensive vs Health Insurance Platinum
Comprehensive vs Energy Silver With Copay
Reassure vs Optima Secure
Reassure vs Super Mediclaim
Reassure vs Health Recharge
Reassure vs Cancer Cover Activ Cancer Secure Plan
Reassure vs Optima Secure Plus
Reassure vs Women Care
Reassure vs Aspire Diamond+
Reassure vs Activate Booster Plan A
Reassure vs Active Care Premier
Reassure vs ProHealth Accumulate
Reassure vs Health Super Saver Standard
Reassure vs Supreme Shine
Reassure vs Optima Secure Global Plus
Reassure vs Health Cardiac Care Silver & Gold Plan
Reassure vs myHealth Suraksha Gold
Reassure vs LifeTime Health Global
Reassure vs Active Fit Plus
Reassure vs OneHealth Premium
Reassure vs Activ Health Platinum Essential
Reassure vs Medicare Plus
Reassure vs Medicare Senior
Reassure vs Enhance Super Top-up Two
Reassure vs Medicare Protect
Reassure vs Activ One SAVR
Reassure vs Active Assure Diamond
Reassure vs Activ One VIP
Reassure vs Health Pulse Classic
Reassure vs Advantage
Reassure vs Special Care Gold
Reassure vs Activ One Max
Reassure vs Classic
Reassure vs Activ One Vytl
Reassure vs Supreme
Reassure vs Freedom
Reassure vs Sarvah Pratham
Reassure vs Joy Today
Reassure vs Medi Classic
Reassure vs Activate Booster Plan B
Reassure vs Aspire Gold+
Reassure vs Aspire Platinum+
Reassure vs Plus Complete
Reassure vs Reassure 2.0 Platinum+
Reassure vs Elder Care
Reassure vs Reassure 3.0 Elite
Reassure vs EquiCover
Reassure vs Young Star Gold
Reassure vs Enhance Super Top-up One
Reassure vs Joy Tomorrow
Reassure vs Activ One VIP+
Reassure vs Reassure 3.0 Select
Reassure vs Red Carpet Senior Citizens
Reassure vs Medicare Premier
Reassure vs Family Health Optima
Reassure vs Health Companion Variant 2022
Reassure vs Health Companion Variant 3
Reassure vs Plus Youth
Reassure vs Assure
Reassure vs Health Premia Gold
Reassure vs Health Premia Platinum
Reassure vs Cancer Care Platinum
Reassure vs Optima Lite
Reassure vs ProHealth Prime Protect
Reassure vs Comprehensive
Reassure vs HeartBeat Enhanced
Reassure vs Supreme Senior Premium
Reassure vs Health Recharge Super Top Up Plan
Reassure vs Reassure 3.0
Reassure vs myHealth Suraksha Platinum
Reassure vs Supreme Value for Money
Reassure vs Supreme Senior Super
Reassure vs Supreme Enhance
Reassure vs Reassure 2.0 Gold
Reassure vs Medicare
Reassure vs Ultimate (Direct)
Reassure vs Young Star
Reassure vs Sarvah Param
Reassure vs Optima Insurance
Reassure vs Smart Super Health Assure
Reassure vs Reassure 3.0 Black
Reassure vs Health Guard Platinum
Reassure vs Health Guard Gold
Reassure vs Elevate (Direct)
Reassure vs Extra Care Plus Super Top-up
Reassure vs Health Care Supreme Smart
Reassure vs Smart Health Pro
Reassure vs Medi Classic Gold
Reassure vs Optima Super Secure
Reassure vs Special Care
Reassure vs Medicare LITE
Reassure vs Health Shield 360
Reassure vs SecureHealth
Reassure vs Supreme (Direct)
Reassure vs Plus
Reassure vs Mediclaim Insurance Policy
Reassure vs Medicare Select
Reassure vs Health Gain
Reassure vs myHealth Koti Suraksha
Reassure vs Senior
Reassure vs myHealth Suraksha Silver
Reassure vs Cardiac Care Platinum
Reassure vs Royal Sundaram Lifeline Elite
Reassure vs Super Surplus Gold
Reassure vs Supreme Enhance One
Reassure vs Supreme Enhance Two
Reassure vs HeartBeat Platinum
Reassure vs HeartBeat Gold
Reassure vs Health SuperCharge
Reassure vs Aspire Titanium+
Reassure vs iHealth Plus
Reassure vs ProHealth Prime Advantage
Reassure vs Active Fit Preferred
Reassure vs Reassure 3.0 Classic
Reassure vs Senior Health Advantage
Reassure vs Health Wallet
Reassure vs Elevate
Reassure vs Heart
Reassure vs LifeTime Health
Reassure vs Reassure 2.0 Titanium+
Reassure vs ProHealth Prime Active
Reassure vs ProHealth Prime Senior Elite
Reassure vs Advanced Top Up
Reassure vs Multiplier Health
Reassure vs Diabetes Safe Plan A
Reassure vs Reassure 2.0 Bronze+
Reassure vs Enhance Super Top-up
Reassure vs Young Star Silver
Reassure vs Star Women Care Policy
Reassure vs Joy
Reassure vs Supreme Senior Health AdvantEdge
Reassure vs Family Plus
Reassure vs Criti Shield Plus
Reassure vs Health Care Supreme Ultimo
Reassure vs Health Shield 360 Retail
Reassure vs Super Star
Reassure vs Supreme Super Saver
Reassure vs Senior First Platinum
Reassure vs Optima Secure Global
Reassure vs NextGen
Reassure vs Health Insurance Platinum
Reassure vs Energy Silver With Copay
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.






.png)

