Partner with us

Insurance Plans Comparison

Niva Bupa Reassure 3.0 Classic vs Star Cardiac Care Platinum

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

Read more
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

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

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

  • 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.

  • 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 3.0 Classic
Reassure 3.0 Classic

Health Insurance Plan

VS
Cardiac Care Platinum
Cardiac Care Platinum

Health Insurance Plan

Brochure

Room Rent

Reassure 3.0 Classic

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

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 3.0 Classic

Covered under hospitalisation expenses up to applicable SI

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 3.0 Classic

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

VS

Cardiac Care Platinum

No co-payment clause found in the policy documents.

Disease-wise sublimits

Reassure 3.0 Classic

₹1L sublimit per claim for specified modern treatments.

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.

Cashless Healthcare Providers

Reassure 3.0 Classic

Available through Niva Bupa network hospitals.

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.

Restoration Benefit

Reassure 3.0 Classic

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

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.

Cumulative Bonus

Reassure 3.0 Classic

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

VS

Cardiac Care Platinum

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

Daycare Treatment

Reassure 3.0 Classic

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

VS

Cardiac Care Platinum

All Day care procedures are covered.

Consumable Cover

Reassure 3.0 Classic

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

VS

Cardiac Care Platinum

Not mentioned as a separate benefit in the policy documents.

AYUSH Treatment

Reassure 3.0 Classic

Covered under hospitalisation when ≥24 hours AYUSH stay required.

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.

Initial Waiting Period

Reassure 3.0 Classic

30 days from first commencement (except accidents).

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 3.0 Classic

24 months standard; modifiable to 12 or 36 months.

VS

Cardiac Care Platinum

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

PED Waiting Period

Reassure 3.0 Classic

36 months standard; modifiable to 12 or 24 months.

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 3.0 Classic

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

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 3.0 Classic

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

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 3.0 Classic

Up to 60 days before hospitalisation when related to accepted claim

VS

Cardiac Care Platinum

Up to 30 days before admission.

Post-Hospitalisation

Reassure 3.0 Classic

Covered for 180 days after discharge for admitted medical expenses

VS

Cardiac Care Platinum

Up to 60 days after discharge.

Outpatient Department Cover (OPD Expense)

Reassure 3.0 Classic

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

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 3.0 Classic

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

VS

Cardiac Care Platinum

Not available or mentioned in the policy documents.

Coverage Options

Reassure 3.0 Classic

₹5L, ₹10L, Unlimited SI.

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 3.0 Classic

80%

VS

Cardiac Care Platinum

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

Maternity Cover

Reassure 3.0 Classic

Not included in Classic variant base benefits.

VS

Cardiac Care Platinum

Not covered; maternity is excluded under Code Excl 18.

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?

End-to-End Support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

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

24/7 Claim Assistance

24/7 Claim Assistance

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

Compare With Other Health Insurance Plans

Oneassure

Health Insurance

Compare Health Insurance Plans

Reassure 3.0 Classic Vs Cardiac Care Platinum

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.