Insurance Plans Comparison
Niva Bupa Reassure 3.0 Black vs Star Assure
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreReassure 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
Assure
Star Health Assure Insurance Policy
What Makes It Special:
Star Health Assure is a flexible, high-limit health insurance plan designed for individuals and families, with coverage options from ₹5 lakh up to ₹2 crore. The plan offers cashless hospitalization across a wide network, daily hospital cash benefits, and no room rent restrictions on standard rooms. It features lifetime renewability,...
Best For:
Health-conscious buyers who can earn up to 20% wellness discount on renewal
People who want room choice without a cap from ₹10 Lakh Sum Insured
Young couples planning a family who want delivery, newborn, assisted reproduction and in-utero surgery cover
Unlimited restoration option plan
Premium floater family health plan
Flexible high-sum insured protection
Flexible options for payment of premium
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
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.
Things to Consider: Premium varies by zone, and members entering above 65 can get a maximum of ₹50 Lakh cover.
Things to Consider: Maternity is limited to 10% of Sum Insured, has a 24-month wait and requires both spouses to be covered.
Things to Consider: PED waiting period is 36 months, or 30 months only with a 3-year policy.
Things to Consider: Room rent is capped at 1% of Sum Insured per day for ₹5 Lakh and ₹7.5 Lakh covers.
Things to Consider: 10% co-payment applies for anyone who joins at age 61 or older.
Reasons to Consider: Consumables, air ambulance up to 10% of Sum Insured, home care and domiciliary treatment are covered.
Reasons to Consider: Pre- and post-hospitalisation cover of 60 and 180 days.
Reasons to Consider: Cumulative Bonus grows by 25% of Sum Insured for each claim-free year, up to 100%.
You want maternity and newborn coverage included
You want no room rent capping for standard rooms
You value unlimited restoration of sum insured
You want coverage up to ₹2 crore for family
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Reassure 3.0 Black Health Insurance Plan VS VS |
![]() Assure Health Insurance Plan |
| Room Rent |
|---|
Reassure 3.0 Black Any room category covered up to SI with no room-type capping. |
VS VS |
Assure Capped at up to 1% of Sum Insured per day for a ₹5 Lakh cover. For ₹10 Lakh to ₹25 Lakh cover: Any room allowed except suites. For ₹50 Lakh to ₹2 Crore cover: Any room category with zero restrictions (Suites included). Proportionate deduction applies if an higher room tier is chosen. |
| ICU Charges |
|---|
Reassure 3.0 Black Covered as part of hospitalisation expenses up to applicable SI |
VS VS |
Assure No restriction on ICU room rent |
| Co-payment |
|---|
Reassure 3.0 Black Optional: 0%, 10%, 20%, 30%, 40%, 50% choices available. |
VS VS |
Assure 0% for entries up to age 60. A mandatory 10% co-payment applies to each and every claim if the insured person's age at entry is 61 years or older. |
| Disease-wise sublimits |
|---|
Reassure 3.0 Black No general disease-wise sublimit specified |
VS VS |
Assure No |
| Cashless Healthcare Providers |
|---|
Reassure 3.0 Black Available through Niva Bupa network hospitals. |
VS VS |
Assure 14000+ Healthcare Providers |
| Restoration Benefit |
|---|
Reassure 3.0 Black ReAssure Forever: Base SI restored after first claim, unlimited times for life. |
VS VS |
Assure Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses |
| Cumulative Bonus |
|---|
Reassure 3.0 Black Booster+ add on: Accumulates up to 10X base SI carried forward annually. |
VS VS |
Assure 25% of the Sum Insured for each claim-free year, up to a maximum of 100%. |
| Daycare Treatment |
|---|
Reassure 3.0 Black Eligible Day Care Treatments covered under hospitalisation benefit. |
VS VS |
Assure Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Consumable Cover |
|---|
Reassure 3.0 Black Yes, medicines, drugs and consumables included in hospitalisation expenses. |
VS VS |
Assure Yes |
| AYUSH Treatment |
|---|
Reassure 3.0 Black Covers AYUSH hospitalisation up to applicable SI |
VS VS |
Assure Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Initial Waiting Period |
|---|
Reassure 3.0 Black 30 days (standard terms apply). |
VS VS |
Assure 30 days. |
| Specific Waiting Period |
|---|
Reassure 3.0 Black Standard period with option to modify to 12 or 36 months. |
VS VS |
Assure 2 years |
| PED Waiting Period |
|---|
Reassure 3.0 Black Standard 36 months with option to modify to 12 or 24 months |
VS VS |
Assure 36 months (3 years) for 1 and 2-year policy terms; reduced to 30 months if a 3-year policy term is chosen up front. |
| Modern Treatment |
|---|
Reassure 3.0 Black Covers robotic surgery, oral chemotherapy, stereotactic radiosurgery, deep brain stimulation, intravitreal injections up to applicable SI. |
VS VS |
Assure Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
Reassure 3.0 Black Not in Black variant base; NivaBupaOne provides Executive Health Assessment separately. |
VS VS |
Assure Health check-up is available once every policy year, from day 1 of the policy |
| Pre-Hospitalisation |
|---|
Reassure 3.0 Black Up to 60 days before hospitalisation when related to approved claim. |
VS VS |
Assure You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Reassure 3.0 Black Up to 180 days after discharge for related eligible medical expenses. |
VS VS |
Assure You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it |
| Outpatient Department Cover (OPD Expense) |
|---|
Reassure 3.0 Black Not in base; Wellconsult+ available as optional OPD benefit. |
VS VS |
Assure Not included for general consultations or regular pharmacies. Outpatient benefits are available exclusively for Chronic Severe Refractory Asthma up to specified policy sub-limits. |
| Deductible Option |
|---|
Reassure 3.0 Black Annual Aggregate Deductible available: ₹10K to ₹5L range. |
VS VS |
Assure Available as an option |
| Coverage Options |
|---|
Reassure 3.0 Black ₹5L, ₹10L, Unlimited SI. |
VS VS |
Assure Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr |
| Claim Settlement Ratio |
|---|
Reassure 3.0 Black 80% |
VS VS |
Assure 82.31% |
| Maternity Cover |
|---|
Reassure 3.0 Black Not in standard Black variant benefits. |
VS VS |
Assure Covered up to 10% of the Sum Insured after a continuous 24-month waiting period. Requires both spouses to be covered under the same policy. |
Insurance Plans Comparison
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