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Insurance Plans Comparison

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

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 Elite

Health insurance with enhanced modern treatment coverage, broader room eligibility and flexible cost-sharing options.

What Makes It Special:

ReAssure 3.0 Elite offers hospitalisation coverage with unlimited modern treatment coverage and eligibility for all room categories except Deluxe and Suite. The plan includes pre- and post-hospitalisation benefits, AYUSH treatment and ambulance coverage, subject to policy conditions. It also offers configurable co-payment and annual aggregate deductible options. Optional enhancements include...

Best For:

  • Buyers who value additional wellness benefits and claim-free-year rewards, subject to eligibility.

  • Individuals interested in optional OPD and specified non-payable expense coverage.

  • Buyers who prefer flexible co-payment and deductible options.

  • Individuals seeking coverage for modern treatments, subject to policy conditions.

  • Buyers who want broader room eligibility than a general-room or twin-sharing restriction.

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: Review the costs, limits and conditions of OPD coverage, non-payable expense protection and other add-ons.

  • Coverage limits: Confirm the sum insured, treatment-specific limits, ambulance benefits and restoration conditions.

  • Out-of-pocket costs: Compare co-payment percentages and deductible options before selecting the policy.

  • Waiting periods: Review initial, pre-existing disease and specific-disease waiting periods, including any available modifications.

  • Room eligibility: Check the exclusion of Deluxe and Suite rooms and understand the consequences of choosing a room outside the permitted category.

  • 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 Elite
Reassure 3.0 Elite

Health Insurance Plan

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

Health Insurance Plan

Room Rent

Reassure 3.0 Elite

Covers all rooms except Deluxe/Suite at no co-payment; 20% co-payment for Deluxe/Suite.

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 Elite

Covered as part of hospitalisation expenses up to SI.

VS

Health Cardiac Care Silver & Gold Plan

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

Co-payment

Reassure 3.0 Elite

Optional: 0%, 20%, 30%, 40%, 50% 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 Elite

No disease-wise sub-limits; no ₹1L cap on modern treatments.

VS

Health Cardiac Care Silver & Gold Plan

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

Cashless Healthcare Providers

Reassure 3.0 Elite

Niva Bupa network hospitals subject to authorisation.

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 Elite

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

VS

Health Cardiac Care Silver & Gold Plan

Not specified.

Cumulative Bonus

Reassure 3.0 Elite

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 Elite

Covered for ≥2 hours hospitalisations per policy terms

VS

Health Cardiac Care Silver & Gold Plan

Eligible daycare procedures are covered, subject to policy terms.

Consumable Cover

Reassure 3.0 Elite

Claim Safeguard+ available as optional (add-on) benefit for non-payable items.

VS

Health Cardiac Care Silver & Gold Plan

Not specified.

AYUSH Treatment

Reassure 3.0 Elite

Covered for ≥24 hours AYUSH hospitalisation up to 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 Elite

30 days (except accidents).

VS

Health Cardiac Care Silver & Gold Plan

30 days, except for covered accident-related claims.

Specific Waiting Period

Reassure 3.0 Elite

24 months standard with modifiable options.

VS

Health Cardiac Care Silver & Gold Plan

24 months for specified diseases and procedures.

PED Waiting Period

Reassure 3.0 Elite

36 months standard with reduction option available.

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 Elite

Modern treatments covered up to sum insured (no capping like Classic/Select).

VS

Health Cardiac Care Silver & Gold Plan

Specified modern treatments are covered within the applicable treatment limits.

Annual Health Checkup

Reassure 3.0 Elite

Available from Day 1 on cashless basis; Elite has broader defined package.

VS

Health Cardiac Care Silver & Gold Plan

Not specified.

Pre-Hospitalisation

Reassure 3.0 Elite

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 Elite

Covered for 180 days after discharge for eligible 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 Elite

Not in base; Wellconsult+ available with wellness benefits.

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 Elite

Annual Aggregate Deductible available as optional feature

VS

Health Cardiac Care Silver & Gold Plan

Not specified.

Coverage Options

Reassure 3.0 Elite

₹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 Elite

Not stated for ReAssure 3.0 Elite variant.

VS

Health Cardiac Care Silver & Gold Plan

Insurer-level metric, not a policy benefit.

Maternity Cover

Reassure 3.0 Elite

Not in standard Elite base benefit.

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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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

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Insurance Plans Comparison

Frequently Asked Questions (FAQs)

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