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Insurance Plans Comparison

Niva Bupa Reassure 3.0 Classic vs Star Cancer Care Platinum

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

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Niva Bupa

Reassure 3.0 Classic

Health insurance with general-room eligibility, configurable cost-sharing options, and additional benefits subject to policy terms.

What Makes It Special:

Niva Bupa ReAssure 3.0 Classic is the Classic variant of the ReAssure 3.0 health insurance product. The supplied brochure lists hospitalisation coverage, modern treatments, AYUSH treatment, pre- and post-hospitalisation expenses, and other benefits subject to the policy terms. Its defining room-related feature is coverage for a general room, rather than...

Best For:

  • Buyers who value supplementary benefits such as claim-free-year cashback, subject to the applicable terms and eligibility.

  • Individuals interested in optional OPD and wellness services through Wellconsult+.

  • Buyers who want to choose a co-payment percentage or annual aggregate deductible, where available.

  • Individuals seeking an unlimited sum-insured option, subject to the policy's applicable terms.

  • Buyers looking for health insurance with a defined general-room category rather than the broader room eligibility listed for Black.

VS
Star

Cancer Care Platinum

Cancer Care Platinum

What Makes It Special:

A health insurance plan built for people who have already been diagnosed with cancer (any stage). It pays hospital bills for both cancer and non-cancer illnesses, needs no pre-policy medical tests, and offers an optional lump-sum payout if cancer comes back, spreads, or a new unrelated cancer develops.

Best For:

  • Buyers who prefer no pre-policy medical tests (past medical records are submitted instead)

  • Families planning for possible recurrence or spread of cancer through a lump-sum payout

  • Patients who want help with costs of advanced treatments like oral chemotherapy, immunotherapy and robotic surgery

  • Cancer survivors who want cover for both cancer and everyday hospital needs

  • People already diagnosed with cancer who find it hard to get regular health insurance

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

Niva Bupa Reassure 3.0 Classic

  • Optional benefits: Check the price, availability, limits, exclusions, and claim conditions for Wellconsult+, Claim Safeguard+, and other optional benefits.

  • Sum insured and claim limits: Verify the available sum-insured options and any treatment-specific limits, including the modern treatment limit shown in the supplied brochure.

  • Co-payment and deductible: Compare the available options and understand how each affects your out-of-pocket costs during a claim.

  • Waiting periods: Review the initial waiting period, pre-existing disease waiting period, and specific-disease waiting periods. Confirm whether optional modifications are available and accepted.

  • Room eligibility: Confirm that general-room coverage meets your needs. Check the consequences of choosing a room outside the permitted category.

Star Cancer Care Platinum

  • Things to Consider: 10% co-payment applies if the insured person's entry age is 61 or above; maternity is not covered.

  • Things to Consider: Several treatments have sub-limits (modern treatments, cataract, rehabilitation, hospice care).

  • Things to Consider: Room is limited to a Single Standard A/C room; post-hospitalisation is capped at 2% of SI per hospitalisation.

  • Things to Consider: Sum Insured is limited to Rs.5L, 7.5L or 10L and cannot be increased later, even on renewal.

  • Things to Consider: Pre-existing diseases, including the cancer itself, have a 30-month waiting period.

  • Reasons to Consider: Includes hospice care (up to 20% of SI), rehabilitation and pain management, health check-up and second medical opinion.

  • Reasons to Consider: Optional Section II pays a lump sum (50% of base SI) on recurrence, metastasis or a second unrelated cancer.

  • Reasons to Consider: No pre-policy medical tests, irrespective of age.

  • Reasons to Consider: Covers hospitalisation for both cancer and non-cancer conditions.

  • Reasons to Consider: Designed specifically for people with a cancer diagnosis, aged 5 months to 65 years.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Reassure 3.0 Classic
Reassure 3.0 Classic

Health Insurance Plan

Brochure

Policy Wording

VS
Cancer Care Platinum
Cancer Care Platinum

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Reassure 3.0 Classic

Classic covers General Room; higher room selection triggers co-payment.

VS

Cancer Care Platinum

Single Standard AC Room

Covered up to Sum Insured

ICU Charges

Reassure 3.0 Classic

Covered under hospitalisation expenses up to applicable SI

VS

Cancer Care Platinum

Information Unavailable

Advanced Treatments

Reassure 3.0 Classic

Information Unavailable

VS

Cancer Care Platinum

Covered

Co-payment

Reassure 3.0 Classic

Selectable: 0%, 10%, 20%, 30%, 40%, 50% options available.

VS

Cancer Care Platinum

Applicable for Senior Entry Ages

Disease-wise sublimits

Reassure 3.0 Classic

₹1L sublimit per claim for specified modern treatments.

VS

Cancer Care Platinum

Information Unavailable

Waiting Period

Reassure 3.0 Classic

Information Unavailable

VS

Cancer Care Platinum

Initial Waiting Period: 30 Days

Pre-existing Disease Waiting Period: 30 Months

Cashless Healthcare Providers

Reassure 3.0 Classic

Available through Niva Bupa network hospitals.

VS

Cancer Care Platinum

Available

Restoration Benefit

Reassure 3.0 Classic

ReAssure Forever: Base SI restored after first claim, unlimited times

VS

Cancer Care Platinum

Information Unavailable

Cumulative Bonus

Reassure 3.0 Classic

Booster+ add on: Carry forward unused SI accumulating up to 10X base SI

VS

Cancer Care Platinum

Information Unavailable

Daycare Treatment

Reassure 3.0 Classic

Covered for hospitalisations ≥2 hours (AYUSH ≥24 hours).

VS

Cancer Care Platinum

Covered

Consumable Cover

Reassure 3.0 Classic

Claim Safeguard+ available as optional benefit for non-payable items.

VS

Cancer Care Platinum

Information Unavailable

AYUSH Treatment

Reassure 3.0 Classic

Covered under hospitalisation when ≥24 hours AYUSH stay required.

VS

Cancer Care Platinum

Covered

Initial Waiting Period

Reassure 3.0 Classic

30 days from first commencement (except accidents).

VS

Cancer Care Platinum

Information Unavailable

Specific Waiting Period

Reassure 3.0 Classic

24 months standard; modifiable to 12 or 36 months.

VS

Cancer Care Platinum

Information Unavailable

PED Waiting Period

Reassure 3.0 Classic

36 months standard; modifiable to 12 or 24 months.

VS

Cancer Care Platinum

Information Unavailable

Modern Treatment

Reassure 3.0 Classic

Modern treatments covered up to ₹1L per complete claim amount

VS

Cancer Care Platinum

Information Unavailable

Annual Health Checkup

Reassure 3.0 Classic

Available from Day 1 on cashless basis per defined Classic package.

VS

Cancer Care Platinum

Information Unavailable

Pre-Hospitalisation

Reassure 3.0 Classic

Up to 60 days before hospitalisation when related to accepted claim

VS

Cancer Care Platinum

Information Unavailable

Post-Hospitalisation

Reassure 3.0 Classic

Covered for 180 days after discharge for admitted medical expenses

VS

Cancer Care Platinum

Information Unavailable

Outpatient Department Cover (OPD Expense)

Reassure 3.0 Classic

Not in base; Wellconsult+ add on selectable up to 5X total premium.

VS

Cancer Care Platinum

Information Unavailable

Deductible Option

Reassure 3.0 Classic

Annual Aggregate Deductible: ₹10K to ₹5L range.

VS

Cancer Care Platinum

Information Unavailable

Coverage Options

Reassure 3.0 Classic

₹5L, ₹10L, Unlimited SI.

VS

Cancer Care Platinum

Information Unavailable

Claim Settlement Ratio

Reassure 3.0 Classic

80%

VS

Cancer Care Platinum

Information Unavailable

Maternity Cover

Reassure 3.0 Classic

Not included in Classic variant base benefits.

VS

Cancer Care Platinum

Information Unavailable

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?

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Talk to experienced advisors at no cost, and make confident decisions

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Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

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

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

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

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.

1-5 of 10 FAQs

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