Insurance Plans Comparison
Star Assure vs Niva Bupa Reassure 3.0 Elite
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreAssure
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:
Unlimited restoration option plan
Premium floater family health plan
Flexible high-sum insured protection
Flexible options for payment of premium
VS
Reassure 3.0 Elite
Reassure 3.0 Elite
What Makes It Special:
Reassure 3.0 focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.
Best For:
- Not available
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 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
Not available
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Assure Health Insurance Plan VS VS |
Reassure 3.0 Elite Health Insurance Plan |
| Room Rent |
|---|
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. |
VS VS |
Reassure 3.0 Elite Covers all rooms except Deluxe/Suite at no co-payment; 20% co-payment for Deluxe/Suite. |
| ICU Charges |
|---|
Assure No restriction on ICU room rent |
VS VS |
Reassure 3.0 Elite Covered as part of hospitalisation expenses up to SI. |
| Disease-wise sublimits |
|---|
Assure No |
VS VS |
Reassure 3.0 Elite No disease-wise sub-limits; no ₹1L cap on modern treatments. |
| Co-payment |
|---|
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. |
VS VS |
Reassure 3.0 Elite Optional: 0%, 20%, 30%, 40%, 50% available. |
| Restoration Benefit |
|---|
Assure Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses |
VS VS |
Reassure 3.0 Elite ReAssure Forever: Base SI restored after first claim, unlimited times. |
| Cashless Healthcare Providers |
|---|
Assure 14000+ Healthcare Providers |
VS VS |
Reassure 3.0 Elite Niva Bupa network hospitals subject to authorisation. |
| Cumulative Bonus |
|---|
Assure 25% of the Sum Insured for each claim-free year, up to a maximum of 100%. |
VS VS |
Reassure 3.0 Elite Booster+ add on: Accumulates up to 10X base SI carried forward annually. |
| Daycare Treatment |
|---|
Assure Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
VS VS |
Reassure 3.0 Elite Covered for ≥2 hours hospitalisations per policy terms |
| AYUSH Treatment |
|---|
Assure Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Reassure 3.0 Elite Covered for ≥24 hours AYUSH hospitalisation up to SI. |
| Consumable Cover |
|---|
Assure Yes |
VS VS |
Reassure 3.0 Elite Claim Safeguard+ available as optional (add-on) benefit for non-payable items. |
| Initial Waiting Period |
|---|
Assure 30 days. |
VS VS |
Reassure 3.0 Elite 30 days (except accidents). |
| Specific Waiting Period |
|---|
Assure 2 years |
VS VS |
Reassure 3.0 Elite 24 months standard with modifiable options. |
| PED Waiting Period |
|---|
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. |
VS VS |
Reassure 3.0 Elite 36 months standard with reduction option available. |
| Modern Treatment |
|---|
Assure Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS VS |
Reassure 3.0 Elite Modern treatments covered up to sum insured (no capping like Classic/Select). |
| Annual Health Checkup |
|---|
Assure Health check-up is available once every policy year, from day 1 of the policy |
VS VS |
Reassure 3.0 Elite Available from Day 1 on cashless basis; Elite has broader defined package. |
| Pre-Hospitalisation |
|---|
Assure You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
VS VS |
Reassure 3.0 Elite Up to 60 days before hospitalisation when related to approved claim. |
| Post-Hospitalisation |
|---|
Assure You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it |
VS VS |
Reassure 3.0 Elite Covered for 180 days after discharge for eligible expenses. |
| Outpatient Department Cover (OPD Expense) |
|---|
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. |
VS VS |
Reassure 3.0 Elite Not in base; Wellconsult+ available with wellness benefits. |
| Deductible Option |
|---|
Assure Available as an option |
VS VS |
Reassure 3.0 Elite Annual Aggregate Deductible available as optional feature |
| Coverage Options |
|---|
Assure Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr |
VS VS |
Reassure 3.0 Elite ₹5L, ₹10L, Unlimited SI. |
| Claim Settlement Ratio |
|---|
Assure 82.31% |
VS VS |
Reassure 3.0 Elite Not stated for ReAssure 3.0 Elite variant. |
| Maternity Cover |
|---|
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. |
VS VS |
Reassure 3.0 Elite Not in standard Elite base benefit. |
Insurance Plans Comparison
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Insurance Plans Comparison
Explore Insurance Category
Senior Citizen Health Plan
Secure against age-related medical costs
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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
Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs
Insurance Plans Comparison
Frequently Asked Questions (FAQs)
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