Insurance Plans Comparison
Niva Bupa Reassure vs TATA AIG Medicare Plus
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreReassure
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.
VS
Medicare Plus
Affordable super top-up health insurance with higher coverage, flexible deductibles and additional protection.
What Makes It Special:
Tata AIG Medicare Plus is a comprehensive health insurance plan that covers hospitalization, pre- and post-hospitalization, daycare procedures, and cashless treatment across a wide hospital network. With high sum insured options and useful add-ons, it ensures financial security and peace of mind for individuals and families against rising healthcare costs.
Best For:
Add-ons for extra protection
Covers daycare & hospitalization care
Easy cashless treatment nationwide
High coverage for you & your family
Insurance Plans Comparison
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Quick Decision Guide
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.
You want a family-friendly plan that ensures peace of mind
You want add-ons like global cover or critical illness protection
You want daycare, pre- and post-hospitalization expenses covered
You want cashless treatment at top hospitals nationwide
You want wide coverage with a high sum insured
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Reassure Health Insurance Plan VS VS |
![]() Medicare Plus Health Insurance Plan |
| Room Rent |
|---|
Reassure No room rent capping. Eligible inpatient room categories are covered subject to policy terms. |
VS VS |
Medicare Plus No capping on room rent or ICU charges. |
| ICU Charges |
|---|
Reassure Covered up to Sum Insured under inpatient care, with no separate ICU cap. |
VS VS |
Medicare Plus No restriction on ICU room rent |
| Co-payment |
|---|
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. |
VS VS |
Medicare Plus Not available |
| Disease-wise sublimits |
|---|
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. |
VS VS |
Medicare Plus No |
| Waiting Period |
|---|
Reassure Information Unavailable |
VS VS |
Medicare Plus
|
| Cashless Healthcare Providers |
|---|
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. |
VS VS |
Medicare Plus 12046+ Healthcare Providers |
| Restoration Benefit |
|---|
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 |
VS VS |
Medicare Plus Not available |
| Cumulative Bonus |
|---|
Reassure Loyalty Additions add 50% of the previous year's Base Sum Insured at each policy anniversary, up to 100% of Base SI |
VS VS |
Medicare Plus Your sum insured increases by 50% for every claim-free year, upto 100%. If a claim is made during the policy year, the cumulative bonus is reduced by 50% in the next policy year |
| Daycare Treatment |
|---|
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. |
VS VS |
Medicare Plus Cover expenses for listed Day Care Treatment due to disease/illness/Injury during the policy period taken at a hospital or a Day Care Centre. |
| Consumable Cover |
|---|
Reassure Not covered in the base plan. Optional Safeguard covers List I non-payable items, while Safeguard+ covers Lists I to IV. |
VS VS |
Medicare Plus Yes |
| AYUSH Treatment |
|---|
Reassure Eligible inpatient treatment under Ayurveda, Unani, Siddha and Homeopathy at an AYUSH hospital is covered up to Sum Insured. Yoga is not covered. |
VS VS |
Medicare Plus Covers treatments under Ayurveda, Unani, Siddha, and Homeopathy systems. |
| Initial Waiting Period |
|---|
Reassure 30 days for illnesses. Accidents are covered from day one. |
VS VS |
Medicare Plus 30 days |
| Specific Waiting Period |
|---|
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. |
VS VS |
Medicare Plus 2 years |
| PED Waiting Period |
|---|
Reassure 36 months of continuous coverage for declared pre-existing diseases, subject to policy terms. |
VS VS |
Medicare Plus 3 years |
| Modern Treatment |
|---|
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. |
VS VS |
Medicare Plus Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
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. |
VS VS |
Medicare Plus Health check-up is available once every policy year, from day 1 of the policy |
| Pre-Hospitalisation |
|---|
Reassure Covered for up to 60 days, up to Sum Insured, on a reimbursement basis. |
VS VS |
Medicare Plus You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Reassure Covered for up to 180 days, up to Sum Insured, on a reimbursement basis. |
VS VS |
Medicare Plus 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 OPD treatment is not covered under the base plan. |
VS VS |
Medicare Plus OPD expense is not included |
| Deductible Option |
|---|
Reassure No deductible option is listed in the base product benefit table. |
VS VS |
Medicare Plus Available |
| Coverage Options |
|---|
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. |
VS VS |
Medicare Plus Available coverage options: ₹3L, ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L and ₹1 Cr |
| Claim Settlement Ratio |
|---|
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%. |
VS VS |
Medicare Plus 95.43% |
| Maternity Cover |
|---|
Reassure Maternity expenses are excluded under the base plan. |
VS VS |
Medicare Plus Not available |
Insurance Plans Comparison
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