Insurance Plans Comparison
Niva Bupa Reassure 2.0 Gold vs Star Super Star
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreReassure 2.0 Gold
Carry forward unused cover up to 10X and get your Base Sum Insured reinstated unlimited times after your first paid claim.
What Makes It Special:
ReAssure 2.0 Gold is a health insurance variant from Niva Bupa that combines Booster+ 10X carry-forward of unused cover, ReAssureX unlimited reinstatement and no room rent limit. It also offers eligible hospitalisation cover for stays of 2 hours or more, annual health check-ups from Day 1 and unlimited e-consultations with...
Best For:
Customers who want to explore optional co-payment, deductible or room-type choices to manage costs.
Buyers who value the carry-forward of unused Base Sum Insured.
People who want the flexibility to choose any room without a standard room rent cap.
Families looking for a floater policy with unlimited reinstatement of cover.
Buyers who want Booster+ 10X without the Lock the Clock feature.
VS
Super Star
Super Star
What Makes It Special:
Super Star is a highly customizable health insurance plan with broad hospitalisation coverage, unlimited restoration and flexible optional benefits. The product supports individual, floater and multi-individual structures and includes Freeze Your Age, wellness rewards, premium waiver and optional maternity and newborn covers
Best For:
Buyers who want extensive optional cover choices
Customers looking for any-room eligibility
Customers interested in unlimited restoration
Families wanting flexible floater options
Individuals seeking broad health coverage
Insurance Plans Comparison
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Quick Decision Guide
Lock the Clock is not included in Gold, and the premium may change at renewal according to the applicable pricing terms.
Consumables and specified non-payable items require the optional Safeguard or Safeguard+ benefit.
Maternity expenses and routine OPD expenses are not covered under the base plan.
Listed conditions and procedures have a 24-month waiting period.
The standard pre-existing disease waiting period is 36 months, with optional reductions to 1 or 2 years at additional premium.
Annual health check-ups are available from Day 1, and unlimited e-consultations with network partners are included.
Eligible hospitalisation of 2 hours or more is covered.
Booster+ 10X carries forward unused Base Sum Insured into subsequent policy years.
ReAssureX provides unlimited reinstatements after the first paid claim, with each claim under the benefit covered up to the Base Sum Insured.
No standard room rent cap, with ICU expenses covered up to the Sum Insured.
Not available
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Reassure 2.0 Gold Health Insurance Plan VS VS |
![]() Super Star Health Insurance Plan |
| Room Rent |
|---|
Reassure 2.0 Gold No room rent limit under the standard Gold variant. Optional Room Type Modification may allow a single private room or shared room at a lower premium. Choosing a room above the selected room category may lead to proportionate deductions. |
VS VS |
Super Star Any Room |
| ICU Charges |
|---|
Reassure 2.0 Gold Covered up to the Sum Insured, with no separate ICU cap stated. If Room Type Modification is selected, ICU expenses are covered up to the Base Sum Insured. |
VS VS |
Super Star Covered up to Sum Insured |
| Co-payment |
|---|
Reassure 2.0 Gold No mandatory co-payment applies under the base plan. Optional voluntary co-payment options are 20%, 30%, 40% or 50%. The optional Tiered Network benefit offers a 15% premium discount and applies a 20% co-payment when treatment is taken at a non-tiered network hospital. |
VS VS |
Super Star No mandatory co-payment; voluntary options available |
| Disease-wise sublimits |
|---|
Reassure 2.0 Gold No general disease-wise sublimits are stated in the reviewed policy wording. Specific benefit limits apply, including air ambulance cover up to ₹2,50,000 per hospitalisation and the monofocal cataract lens restriction for Sum Insured up to ₹10 lakh. |
VS VS |
Super Star Applicable treatment-specific limits may apply |
| Cashless Healthcare Providers |
|---|
Reassure 2.0 Gold Cashless treatment is available at Niva Bupa network hospitals. The reviewed single-sheeter cites approximately 10,000+ network hospitals. Cashless Everywhere is also offered at non-network hospitals, subject to the insurer's process. The brochure mentions a 30-minute cashless pre-authorisation commitment. |
VS VS |
Super Star Cashless treatment through network hospitals |
| Restoration Benefit |
|---|
Reassure 2.0 Gold ReAssureX, also referred to as ReAssure Forever, is triggered by the first paid claim in the life of the policy. It provides unlimited reinstatements, with each claim under the benefit covered up to the Base Sum Insured. It remains available for life if the policy is renewed without a break. Lock the Clock is not included in the Gold variant. |
VS VS |
Super Star Automatic restoration up to 100%, unlimited number of times |
| Cumulative Bonus |
|---|
Reassure 2.0 Gold Booster+ 10X carries forward unused Base Sum Insured into the next policy year, up to 10 times the Base Sum Insured. The accumulated amount may be reduced proportionately if the Base Sum Insured is reduced. |
VS VS |
Super Star 50% of Sum Insured for each claim-free year, up to 100% |
| Daycare Treatment |
|---|
Reassure 2.0 Gold Covered up to the Sum Insured. Hospitalisation of 2 hours or more qualifies, subject to policy terms. AYUSH treatment requires a minimum admission of 24 hours. |
VS VS |
Super Star All daycare procedures covered |
| Consumable Cover |
|---|
Reassure 2.0 Gold Consumables and non-payable items are not covered under the base plan. Optional Safeguard covers specified List I items, while Safeguard+ covers specified items under Lists I to IV. |
VS VS |
Super Star Available subject to selected cover |
| AYUSH Treatment |
|---|
Reassure 2.0 Gold Eligible in-patient AYUSH treatment is covered up to the Sum Insured for admissions of at least 24 hours in an AYUSH hospital. Yoga and Naturopathy claims require prior approval. |
VS VS |
Super Star Covered up to Sum Insured |
| Initial Waiting Period |
|---|
Reassure 2.0 Gold 30 days. Accidents are covered from Day 1, subject to policy terms. |
VS VS |
Super Star 30 Days |
| Specific Waiting Period |
|---|
Reassure 2.0 Gold 24 months for listed conditions and procedures. The waiting period does not apply to accidents. Cancer is covered after the initial 30-day waiting period, subject to policy terms. |
VS VS |
Super Star 24 Months |
| PED Waiting Period |
|---|
Reassure 2.0 Gold 36 months of continuous coverage for pre-existing diseases. Optional PED Waiting Time Modification can reduce this to 1 or 2 years at additional premium. |
VS VS |
Super Star 36 Months |
| Modern Treatment |
|---|
Reassure 2.0 Gold Covered up to the Sum Insured for 12 listed procedures, including robotic surgery, oral chemotherapy, stem cell therapy, deep brain stimulation and intravitreal injections. For Sum Insured up to ₹10 lakh, cataract cover is limited to a monofocal lens, subject to policy terms. |
VS VS |
Super Star Covered up to Sum Insured |
| Annual Health Checkup |
|---|
Reassure 2.0 Gold Available from Day 1, once every policy year. The benefit is ₹500 per ₹1 lakh of Base Sum Insured, capped at ₹5,000 per insured individual or ₹10,000 per floater policy. Cashless only, booked through the Niva Bupa app, subject to policy terms. |
VS VS |
Super Star Available subject to policy terms |
| Pre-Hospitalisation |
|---|
Reassure 2.0 Gold Eligible pre-hospitalisation expenses are covered for up to 60 days, up to the Sum Insured. |
VS VS |
Super Star Up to 90 Days |
| Post-Hospitalisation |
|---|
Reassure 2.0 Gold Eligible post-hospitalisation expenses are covered for up to 180 days, up to the Sum Insured. |
VS VS |
Super Star Up to 180 Days |
| Outpatient Department Cover (OPD Expense) |
|---|
Reassure 2.0 Gold Routine OPD expenses are not covered under the base plan. Unlimited e-consultations with network partners are included. |
VS VS |
Super Star Not a standard base OPD benefit |
| Deductible Option |
|---|
Reassure 2.0 Gold The prospectus lists an optional annual aggregate deductible of ₹10,000, ₹20,000, ₹30,000, ₹50,000 or ₹1,00,000 for the Bronze/Silver/Gold group. The Gold single-sheeter does not list this benefit, so availability for the Gold variant and sales channel requires confirmation. |
VS VS |
Super Star Optional aggregate deductible available |
| Coverage Options |
|---|
Reassure 2.0 Gold Base Sum Insured options listed in the reviewed single-sheeter are ₹5 lakh, ₹7.5 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh, ₹25 lakh, ₹50 lakh and ₹1 crore. Individual cover for up to 6 members or family floater options are listed, with 1-year, 2-year and 3-year policy terms. Confirm the ₹7.5 lakh option against the insurer's latest schedule before publication. |
VS VS |
Super Star ₹5 Lakh to ₹1 Crore and Unlimited Sum Insured under the applicable option |
| Claim Settlement Ratio |
|---|
Reassure 2.0 Gold 96.8% of claims settled by number in FY 2025-26 for the combined ReAssure product line. The insurer's disclosure groups ReAssure, ReAssure 2.0 and ReAssure 3.0 UINs together, so this is not a Gold-specific ratio. Niva Bupa's company-level figure was 94.4% for FY 2025-26. |
VS VS |
Super Star Not specified |
| Maternity Cover |
|---|
Reassure 2.0 Gold Maternity expenses are excluded under the standard policy terms. Ectopic pregnancy is treated separately in the exclusion wording. |
VS VS |
Super Star Available through optional covers |
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