Insurance Plans Comparison
Star Assure vs Niva Bupa Reassure
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:
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
VS
Reassure
Niva Bupa ReAssure Plan No room rent cap, cover that refills from your first paid claim, and Loyalty Additions that can double your Base Sum Insured.
What Makes It Special:
Niva Bupa's ReAssure health insurance plan offers unlimited in-year reinstatement from the first paid claim, Loyalty Additions up to 100% of Base Sum Insured and no room rent capping.
Best For:
Customers who value preventive health benefits: Annual health check-ups are available from day one, alongside the Live Healthy renewal discount programme.
Long-term policyholders: Loyalty Additions can increase Base Sum Insured by up to 100%.
People who prefer room flexibility: The plan has no room rent capping, subject to the policy terms.
Buyers seeking flexible cover amounts: Sum Insured options range from ₹3 lakh to ₹1 crore.
Families looking for recurring cover: The ReAssure benefit reinstates cover from the first paid claim and can be used for subsequent claims throughout the policy year.
Insurance Plans Comparison
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Quick Decision Guide
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
Road ambulance expenses are limited to ₹2,000 per hospitalisation.
Maternity expenses and OPD treatment are excluded.
Most robotic surgeries have a ₹1 lakh limit unless Modern Treatment+ is selected.
Listed conditions and procedures have a 24-month specific waiting period.
The pre-existing disease waiting period is 36 months.
Annual health check-ups are available from day one, with a potential renewal discount through Live Healthy.
Sum Insured options range from ₹3 lakh to ₹1 crore.
Loyalty Additions add 50% of Base SI each year, up to 100%.
Unlimited in-year reinstatement starts from the first paid claim.
No room rent capping, with ICU expenses covered up to Sum Insured.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Assure Health Insurance Plan VS VS |
Reassure 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 No room rent capping. Eligible inpatient room categories are covered subject to policy terms. |
| ICU Charges |
|---|
Assure No restriction on ICU room rent |
VS VS |
Reassure Covered up to Sum Insured under inpatient care, with no separate ICU cap. |
| Disease-wise sublimits |
|---|
Assure No |
VS VS |
Reassure No general disease-wise sublimits. Most robotic surgeries have a ₹1 lakh limit, with listed exceptions. Road ambulance is limited to ₹2,000 per hospitalisation, and air ambulance reimbursement is capped at ₹2.5 lakh. |
| 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 No co-payment under the base plan. The optional Tiered Network add-on offers a 15% premium discount and applies a 20% co-payment when treatment is taken at a non-tiered network hospital. |
| 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 The ReAssure benefit provides unlimited reinstatement within the policy year, triggered from the first paid claim. It is available for subsequent claims for any illness and any insured member. Each claim under the benefit is limited to Base Sum Insured |
| Cashless Healthcare Providers |
|---|
Assure 14000+ Healthcare Providers |
VS VS |
Reassure Cashless treatment is available at Niva Bupa network providers, subject to network participation and pre-authorisation. Niva Bupa has reported a company-wide network of 10,000+ hospitals. |
| Cumulative Bonus |
|---|
Assure 25% of the Sum Insured for each claim-free year, up to a maximum of 100%. |
VS VS |
Reassure Loyalty Additions add 50% of the previous year's Base Sum Insured at each policy anniversary, up to 100% of Base SI |
| Daycare Treatment |
|---|
Assure Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
VS VS |
Reassure Eligible day-care treatment is covered up to Sum Insured. The policy wording specifies admission exceeding 2 hours and includes procedures such as angiography, dialysis, radiotherapy and chemotherapy for cancer. |
| AYUSH Treatment |
|---|
Assure Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Reassure Eligible inpatient treatment under Ayurveda, Unani, Siddha and Homeopathy at an AYUSH hospital is covered up to Sum Insured. Yoga is not covered. |
| Consumable Cover |
|---|
Assure Yes |
VS VS |
Reassure Not covered in the base plan. Optional Safeguard covers List I non-payable items, while Safeguard+ covers Lists I to IV. |
| Initial Waiting Period |
|---|
Assure 30 days. |
VS VS |
Reassure 30 days for illnesses. Accidents are covered from day one. |
| Specific Waiting Period |
|---|
Assure 2 years |
VS VS |
Reassure 24 months for listed conditions and procedures, subject to policy terms. This waiting period does not apply to accidents. Cancer is covered after the applicable 30-day initial waiting period. |
| 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 36 months of continuous coverage for declared pre-existing diseases, subject to policy terms. |
| Modern Treatment |
|---|
Assure Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS VS |
Reassure Covered up to Sum Insured. Most robotic surgeries have a ₹1 lakh limit, except robotic radical prostatectomy, cardiac, partial nephrectomy and cancer surgeries. The optional Modern Treatment+ add-on removes the ₹1 lakh limit. |
| Annual Health Checkup |
|---|
Assure Health check-up is available once every policy year, from day 1 of the policy |
VS VS |
Reassure Available from day one, once per policy year. Benefit value is ₹500 per ₹1 lakh of Sum Insured, up to ₹5,000 per insured individual or ₹10,000 per Family Floater policy. Cashless only. |
| 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 Covered for up to 60 days, up to Sum Insured, on a reimbursement basis. |
| 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 Covered for up to 180 days, up to Sum Insured, on a reimbursement basis. |
| 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 OPD treatment is not covered under the base plan. |
| Deductible Option |
|---|
Assure Available as an option |
VS VS |
Reassure No deductible option is listed in the base product benefit table. |
| Coverage Options |
|---|
Assure Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr |
VS VS |
Reassure Base Sum Insured options are ₹3 lakh, ₹4 lakh, ₹5 lakh, ₹7.5 lakh, ₹10 lakh, ₹12.5 lakh, ₹15 lakh, ₹20 lakh, ₹25 lakh, ₹50 lakh, ₹75 lakh and ₹1 crore. Available on Individual or Family Floater basis, covering up to 2 adults and 4 children. |
| Claim Settlement Ratio |
|---|
Assure 82.31% |
VS VS |
Reassure 96.8% of claims settled by number in FY 2025-26 for the ReAssure product line, which includes ReAssure, ReAssure 2.0 and ReAssure 3.0 UINs in the insurer's disclosure. Company-level figure reported in the annual report: 94.4%. |
| 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 Maternity expenses are excluded under the base plan. |
Insurance Plans Comparison
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Explore Insurance Category
Senior Citizen Health Plan
Secure against age-related medical costs
Tailored for seniors healthcare needs
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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
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