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Insurance Plans Comparison

Niva Bupa Reassure 2.0 Titanium+ vs Star Cardiac 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 2.0 Titanium+

Comprehensive health insurance with unlimited ReAssure+ claims benefit and up to 10X Booster+ accumulation.

What Makes It Special:

Niva Bupa ReAssure 2.0 Titanium+ combines hospitalisation coverage with benefits designed to support long-term medical expenses. ReAssure+ is triggered after the first paid eligible claim and provides unlimited additional claim capacity, subject to a maximum of the Base Sum Insured for each claim under that benefit. Booster+ carries forward unused...

Best For:

  • Premium All-Round Health Coverage

  • High-Sum Insured Family Plan

  • Unlimited Restoration Medical Insurance

  • Global Treatment Protection Policy

VS
Star

Cardiac Care Platinum

Health cover for heart patients with cardiac cover from day 31, plus non-cardiac, OPD and health check-up benefits.

What Makes It Special:

A specialised health plan for people who have already had heart treatment, including cardiac surgery or a procedure. It covers heart-related hospitalisation after 30 days, as well as non-cardiac illness and accident cover, OPD expenses and an annual health check-up.

Best For:

  • Patients who may need cardiac devices such as pacemakers or AICD.

  • People who want heart and non-heart hospitalisation in one plan.

  • People wanting cardiac cover after a 30-day waiting period.

  • Heart patients who find it hard to get a regular health policy.

  • People aged 7 to 70 who have had cardiac surgery or a procedure, such as angioplasty or bypass.

Insurance Plans Comparison

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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

  • You need a very high sum insured with global coverage

  • You prefer unlimited restoration of coverage after every claim

  • You want modern treatment and maternity benefits included

  • You are looking for a premium family floater plan

  • You value wellness programs and annual health check-ups

  • Things to Consider: Maternity is not covered, and the premium is higher than a standard health plan.

  • Things to Consider: Sublimits apply to cataract, cardiac devices, angiogram, rehabilitation and modern treatments.

  • Things to Consider: Restoration does not apply to cardiac claims or modern treatments.

  • Things to Consider: Sum Insured is capped at ₹15 lakh.

  • Things to Consider: Non-cardiac pre-existing diseases have a 36-month waiting period.

  • Reasons to Consider: Cardiac devices up to 50% of SI, heart transplantation and coronary angiogram are specifically covered.

  • Reasons to Consider: OPD expenses and an annual health check-up are paid in addition to the Sum Insured.

  • Reasons to Consider: Hospitalisation includes a single private AC room.

  • Reasons to Consider: No pre-policy medical tests are required, but past medical records must be submitted.

  • Reasons to Consider: Cardiac ailments, including pre-existing heart conditions, are covered after only 30 days.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Reassure 2.0 Titanium+
Reassure 2.0 Titanium+

Health Insurance Plan

VS
Cardiac Care Platinum
Cardiac Care Platinum

Health Insurance Plan

Brochure

Room Rent

Reassure 2.0 Titanium+

All room categories are covered

VS

Cardiac Care Platinum

Single Private A/C Room; proportionate deduction applies for a higher room category, except where the hospital does not use differential billing.

ICU Charges

Reassure 2.0 Titanium+

No restriction on ICU room rent

VS

Cardiac Care Platinum

Covered as part of hospitalisation expenses up to Sum Insured in Sections 1 and 2; no separate ICU cap stated.

Co-payment

Reassure 2.0 Titanium+

Not available

VS

Cardiac Care Platinum

No co-payment clause found in the policy documents.

Disease-wise sublimits

Reassure 2.0 Titanium+

No

VS

Cardiac Care Platinum

Cataract: ₹30,000 per eye (maximum ₹40,000 per year) for SI ₹5L; ₹40,000 per eye (maximum ₹60,000 per year) for higher SI. Cardiac devices up to 50% of SI; conventional coronary angiogram ₹20,000 for SI up to ₹7.5L or ₹25,000 above; rehabilitation and pain management up to 10% of SI; modern treatment sublimits apply; coronary stents are subject to DPCO/NPPA caps.

Restoration Benefit

Reassure 2.0 Titanium+

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

Cardiac Care Platinum

Automatic restoration of 100% of Basic Sum Insured once per policy period under Section 1 only, for unrelated illness; not available for cardiac ailments or modern treatments.

Cashless Healthcare Providers

Reassure 2.0 Titanium+

10,000+ Healthcare Providers

VS

Cardiac Care Platinum

Cashless treatment is available at Star Health network hospitals for Sections 1 and 2. Reimbursement is available at non-network hospitals; network hospital count requires verification.

Daycare Treatment

Reassure 2.0 Titanium+

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

VS

Cardiac Care Platinum

All Day care procedures are covered.

Cumulative Bonus

Reassure 2.0 Titanium+

Your sum insured increases by 100% every year, maximum up to 1000%


VS

Cardiac Care Platinum

10% of the Basic Sum Insured for each claim-free year, up to 100%; not applicable to Section 3 OPD.

AYUSH Treatment

Reassure 2.0 Titanium+

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

VS

Cardiac Care Platinum

In-patient AYUSH treatment is covered up to the Sum Insured under Sections 1 and 2. Yoga and Naturopathy require prior approval.

Consumable Cover

Reassure 2.0 Titanium+

No. However, available as an add-on

VS

Cardiac Care Platinum

Not mentioned as a separate benefit in the policy documents.

Initial Waiting Period

Reassure 2.0 Titanium+

30 days

VS

Cardiac Care Platinum

30 days for illness under Section 1; accidents are covered from day 1. Section 2 cardiac cover also has a 30-day waiting period.

Specific Waiting Period

Reassure 2.0 Titanium+

2 years

VS

Cardiac Care Platinum

24 months for listed diseases and procedures in Section 1; 24 months for heart transplantation.

PED Waiting Period

Reassure 2.0 Titanium+

3 years
 

VS

Cardiac Care Platinum

36 months for non-cardiac pre-existing diseases in Section 1; 30 days for cardiac pre-existing diseases in Section 2.

Modern Treatment

Reassure 2.0 Titanium+

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

VS

Cardiac Care Platinum

Covered under Sections 1 and 2, subject to treatment-wise sublimits by Sum Insured. Examples: robotic surgery ₹2.5L–₹4L; oral chemotherapy ₹1.25L–₹2.5L; immunotherapy ₹2.5L–₹5L. Bronchial thermoplasty, prostate vaporisation and IONM are covered up to the Sum Insured. These benefits are part of the Sum Insured.

Annual Health Checkup

Reassure 2.0 Titanium+

Health check-up is available once every policy year, from day 1 of the policy

VS

Cardiac Care Platinum

Covered every policy year irrespective of claims at network facilities: ₹2,000 for SI ₹5L and ₹7.5L, ₹3,000 for ₹10L, and ₹4,000 for ₹15L; in addition to the Sum Insured.

Pre-Hospitalisation

Reassure 2.0 Titanium+

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

VS

Cardiac Care Platinum

Up to 30 days before admission.

Post-Hospitalisation

Reassure 2.0 Titanium+

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

VS

Cardiac Care Platinum

Up to 60 days after discharge.

Outpatient Department Cover (OPD Expense)

Reassure 2.0 Titanium+

OPD expense is not included

VS

Cardiac Care Platinum

Covered at network facilities, including vaccination, on a reimbursement basis: ₹2,500 / ₹3,000 / ₹3,500 / ₹5,000 per policy period for SI ₹5L / ₹7.5L / ₹10L / ₹15L. In addition to the Sum Insured. Cardiac treatment is payable under Section 2, not under OPD.

Deductible Option

Reassure 2.0 Titanium+

Available as an option

VS

Cardiac Care Platinum

Not available or mentioned in the policy documents.

Coverage Options

Reassure 2.0 Titanium+

Available coverage options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L and ₹1 Cr

VS

Cardiac Care Platinum

Sum Insured ₹5L, ₹7.5L, ₹10L, or ₹15L. Entry age 7–70 years with a past cardiac ailment treated by surgical intervention or procedure. Policy term 1, 2, or 3 years; lifelong renewal.

Claim Settlement Ratio

Reassure 2.0 Titanium+

92.02%

VS

Cardiac Care Platinum

92.16% of claims settled by number in FY 2025–26.

Maternity Cover

Reassure 2.0 Titanium+

Not available

VS

Cardiac Care Platinum

Not covered; maternity is excluded under Code Excl 18.

Insurance Plans Comparison

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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

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