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Insurance Plans Comparison

Niva Bupa Reassure 3.0 Black vs Star Health Cardiac Care Silver & Gold Plan

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Niva Bupa

Reassure 3.0 Black

Premium health insurance coverage with unlimited sum-insured options, flexible co-payment and deductible choices, and additional benefits subject to policy terms.

What Makes It Special:

Niva Bupa ReAssure 3.0 Black is the Black variant of the ReAssure 3.0 health insurance product. The supplied brochure lists coverage for hospitalisation expenses, modern treatments, AYUSH treatment, pre- and post-hospitalisation expenses, and ambulance services. It also describes benefits such as Lock the Clock, Live Healthy, Cash-Bag+, and optional Wellconsult+,...

Best For:

  • Buyers who want to explore premium-related benefits such as Lock the Clock and claim-free-year cashback through Cash-Bag+, subject to the applicable terms.

  • Individuals interested in additional benefits such as OPD services through Wellconsult+ or non-payable-item coverage through Claim Safeguard+, where available.

  • Buyers who value any-room coverage, as listed for the Black variant in the brochure.

  • Individuals who prefer the flexibility to choose a co-payment percentage or annual aggregate deductible.

  • Buyers seeking a health insurance plan with unlimited sum-insured options, subject to availability and policy conditions.

VS
Star

Health Cardiac Care Silver & Gold Plan

Health Insurance for Individuals with a History of Cardiac Conditions

What Makes It Special:

Cardiac-Focused Health Insurance

Best For:

  • Customers seeking specified modern treatment and eligible AYUSH coverage.

  • Individuals seeking outpatient benefits at network hospitals.

  • Customers comparing Silver and Gold cardiac coverage options.

  • Customers seeking cover for eligible cardiac and non-cardiac hospitalisation.

  • Individuals with a qualifying history of cardiac conditions or procedures.

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 and exclusions: Confirm the availability and cost of Wellconsult+, Claim Safeguard+, Borderless, and other optional benefits, along with their individual limits and exclusions.

  • Room eligibility and network: Verify the any-room benefit, room-category restrictions, network hospitals, and potential co-payment when specified conditions are not met.

  • Co-payment and deductibles: Compare the available percentages and deductible amounts. Understand how these affect the amount payable during a claim.

  • Waiting periods: Check the initial waiting period, specific-disease waiting periods, and pre-existing disease waiting period. Confirm whether any optional modification has been accepted.

  • Sum insured: Confirm the available sum-insured options, premium, and the precise meaning of unlimited coverage under the policy.

  • Check the outpatient benefit limit and network hospital requirements.

  • Review the room rent limit and post-hospitalisation benefit limit.

  • Check the 10% co-payment applicable from age 61.

  • Understand the 30-day initial waiting period and other applicable waiting periods.

  • Review the 90-day cardiac waiting period.

  • Compare the cardiac coverage offered under Silver and Gold.

  • Check whether you meet the policy’s cardiac eligibility criteria.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Reassure 3.0 Black
Reassure 3.0 Black

Health Insurance Plan

VS
Health Cardiac Care Silver & Gold Plan
Health Cardiac Care Silver & Gold Plan

Health Insurance Plan

Room Rent

Reassure 3.0 Black

Any room category covered up to SI with no room-type capping.

VS

Health Cardiac Care Silver & Gold Plan

  1. Room, boarding and nursing expenses covered up to ₹5,000 per day.
ICU Charges

Reassure 3.0 Black

Covered as part of hospitalisation expenses up to applicable SI

VS

Health Cardiac Care Silver & Gold Plan

Covered as part of eligible hospitalisation expenses, subject to policy terms.

Co-payment

Reassure 3.0 Black

Optional: 0%, 10%, 20%, 30%, 40%, 50% choices available.

VS

Health Cardiac Care Silver & Gold Plan

10% for insured persons aged 61 years and above at policy purchase or renewal.

Disease-wise sublimits

Reassure 3.0 Black

No general disease-wise sublimit specified

VS

Health Cardiac Care Silver & Gold Plan

Sublimits apply to specified treatments, including cataract and modern treatments.

Cashless Healthcare Providers

Reassure 3.0 Black

Available through Niva Bupa network hospitals.

VS

Health Cardiac Care Silver & Gold Plan

Cashless treatment is available at eligible network hospitals, subject to authorisation and policy conditions.

Restoration Benefit

Reassure 3.0 Black

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

VS

Health Cardiac Care Silver & Gold Plan

Not specified.

Cumulative Bonus

Reassure 3.0 Black

Booster+ add on: Accumulates up to 10X base SI carried forward annually.

VS

Health Cardiac Care Silver & Gold Plan

Not specified.

Daycare Treatment

Reassure 3.0 Black

Eligible Day Care Treatments covered under hospitalisation benefit.

VS

Health Cardiac Care Silver & Gold Plan

Eligible daycare procedures are covered, subject to policy terms.

Consumable Cover

Reassure 3.0 Black

Yes, medicines, drugs and consumables included in hospitalisation expenses.

VS

Health Cardiac Care Silver & Gold Plan

Not specified.

AYUSH Treatment

Reassure 3.0 Black

Covers AYUSH hospitalisation up to applicable SI

VS

Health Cardiac Care Silver & Gold Plan

Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered up to the Sum Insured, subject to policy terms.

Initial Waiting Period

Reassure 3.0 Black

30 days (standard terms apply).

VS

Health Cardiac Care Silver & Gold Plan

30 days, except for covered accident-related claims.

Specific Waiting Period

Reassure 3.0 Black

Standard period with option to modify to 12 or 36 months.

VS

Health Cardiac Care Silver & Gold Plan

24 months for specified diseases and procedures.

PED Waiting Period

Reassure 3.0 Black

Standard 36 months with option to modify to 12 or 24 months

VS

Health Cardiac Care Silver & Gold Plan

36 months for pre-existing diseases. Cardiac ailments covered under Section II have a separate 90-day waiting period.

Modern Treatment

Reassure 3.0 Black

Covers robotic surgery, oral chemotherapy, stereotactic radiosurgery, deep brain stimulation, intravitreal injections up to applicable SI.

VS

Health Cardiac Care Silver & Gold Plan

Specified modern treatments are covered within the applicable treatment limits.

Annual Health Checkup

Reassure 3.0 Black

Not in Black variant base; NivaBupaOne provides Executive Health Assessment separately.

VS

Health Cardiac Care Silver & Gold Plan

Not specified.

Pre-Hospitalisation

Reassure 3.0 Black

Up to 60 days before hospitalisation when related to approved claim.

VS

Health Cardiac Care Silver & Gold Plan

Covered for up to 30 days before hospital admission.

Post-Hospitalisation

Reassure 3.0 Black

Up to 180 days after discharge for related eligible medical expenses.

VS

Health Cardiac Care Silver & Gold Plan

Up to 60 days after discharge, limited to 7% of hospitalisation expenses and a maximum of ₹5,000 per hospitalisation.

Outpatient Department Cover (OPD Expense)

Reassure 3.0 Black

Not in base; Wellconsult+ available as optional OPD benefit.

VS

Health Cardiac Care Silver & Gold Plan

Up to ₹500 per event, subject to a maximum of ₹1,500 per policy period at network hospitals in India.

Deductible Option

Reassure 3.0 Black

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

VS

Health Cardiac Care Silver & Gold Plan

Not specified.

Coverage Options

Reassure 3.0 Black

₹5L, ₹10L, Unlimited SI.

VS

Health Cardiac Care Silver & Gold Plan

Individual coverage with Silver and Gold plan options.

Claim Settlement Ratio

Reassure 3.0 Black

80%

VS

Health Cardiac Care Silver & Gold Plan

Insurer-level metric, not a policy benefit.

Maternity Cover

Reassure 3.0 Black

Not in standard Black variant benefits.

VS

Health Cardiac Care Silver & Gold Plan

Not covered, except where the policy provides an applicable accident-related exception.

Insurance Plans Comparison

Still Confused? Get Expert Advice

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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

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  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

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  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

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  • Tailored for seniors healthcare needs

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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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Frequently Asked Questions (FAQs)

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