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Insurance Plans Comparison

Niva Bupa Reassure 3.0 Classic vs Star Super Surplus Gold

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 Classic

Health insurance with general-room eligibility, configurable cost-sharing options, and additional benefits subject to policy terms.

What Makes It Special:

Niva Bupa ReAssure 3.0 Classic is the Classic variant of the ReAssure 3.0 health insurance product. The supplied brochure lists hospitalisation coverage, modern treatments, AYUSH treatment, pre- and post-hospitalisation expenses, and other benefits subject to the policy terms. Its defining room-related feature is coverage for a general room, rather than...

Best For:

  • Buyers who value supplementary benefits such as claim-free-year cashback, subject to the applicable terms and eligibility.

  • Individuals interested in optional OPD and wellness services through Wellconsult+.

  • Buyers who want to choose a co-payment percentage or annual aggregate deductible, where available.

  • Individuals seeking an unlimited sum-insured option, subject to the policy's applicable terms.

  • Buyers looking for health insurance with a defined general-room category rather than the broader room eligibility listed for Black.

VS
Star

Super Surplus Gold

Star Health Super Surplus Gold Plan

What Makes It Special:

Star Super Surplus is a floater top-up policy intended to provide additional health protection after eligible hospitalisation expenses cross the selected deductible or defined limit. The Gold Plan offers high Sum Insured choices, single private A/C room eligibility, maternity benefits, organ donor expenses, AYUSH treatment and a recharge benefit.

Best For:

  • Policyholders wanting additional protection beyond a base health plan

  • Customers seeking a Gold Plan maternity benefit

  • Families looking for a floater top-up plan

  • Customers wanting high Sum Insured with a defined limit

  • Families seeking additional top-up protection

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

Niva Bupa Reassure 3.0 Classic

  • Optional benefits: Check the price, availability, limits, exclusions, and claim conditions for Wellconsult+, Claim Safeguard+, and other optional benefits.

  • Sum insured and claim limits: Verify the available sum-insured options and any treatment-specific limits, including the modern treatment limit shown in the supplied brochure.

  • Co-payment and deductible: Compare the available options and understand how each affects your out-of-pocket costs during a claim.

  • Waiting periods: Review the initial waiting period, pre-existing disease waiting period, and specific-disease waiting periods. Confirm whether optional modifications are available and accepted.

  • Room eligibility: Confirm that general-room coverage meets your needs. Check the consequences of choosing a room outside the permitted category.

Star Super Surplus Gold

  • The policy offers lifelong renewals.

  • Gold Plan provides a defined maternity benefit after the waiting period.

  • Recharge Benefit can provide additional indemnity after exhaustion or excess of Sum Insured.

  • The policy is available on a family floater basis.

  • Gold Plan Sum Insured options extend up to ₹1 Crore.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Reassure 3.0 Classic
Reassure 3.0 Classic

Health Insurance Plan

Brochure

Policy Wording

VS
Super Surplus Gold
Super Surplus Gold

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Reassure 3.0 Classic

Classic covers General Room; higher room selection triggers co-payment.

VS

Super Surplus Gold

Single Private A/C Room


ICU Charges

Reassure 3.0 Classic

Covered under hospitalisation expenses up to applicable SI

VS

Super Surplus Gold

Covered as part of hospitalisation

Co-payment

Reassure 3.0 Classic

Selectable: 0%, 10%, 20%, 30%, 40%, 50% options available.

VS

Super Surplus Gold

Not specified as a standard co-payment

Disease-wise sublimits

Reassure 3.0 Classic

₹1L sublimit per claim for specified modern treatments.

VS

Super Surplus Gold

Specific limits and defined limits apply


Cashless Healthcare Providers

Reassure 3.0 Classic

Available through Niva Bupa network hospitals.

VS

Super Surplus Gold

Cashless treatment through network hospitals

Restoration Benefit

Reassure 3.0 Classic

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

VS

Super Surplus Gold

Recharge Benefit available once for the remaining policy period


Cumulative Bonus

Reassure 3.0 Classic

Booster+ add on: Carry forward unused SI accumulating up to 10X base SI

VS

Super Surplus Gold

Not specified


Daycare Treatment

Reassure 3.0 Classic

Covered for hospitalisations ≥2 hours (AYUSH ≥24 hours).

VS

Super Surplus Gold

All daycare procedures covered

Consumable Cover

Reassure 3.0 Classic

Claim Safeguard+ available as optional benefit for non-payable items.

VS

Super Surplus Gold

Not specified

AYUSH Treatment

Reassure 3.0 Classic

Covered under hospitalisation when ≥24 hours AYUSH stay required.

VS

Super Surplus Gold

Covered up to Sum Insured

Initial Waiting Period

Reassure 3.0 Classic

30 days from first commencement (except accidents).

VS

Super Surplus Gold

30 Days, subject to policy terms


Specific Waiting Period

Reassure 3.0 Classic

24 months standard; modifiable to 12 or 36 months.

VS

Super Surplus Gold

12 Months for Gold Plan specified diseases and procedures


PED Waiting Period

Reassure 3.0 Classic

36 months standard; modifiable to 12 or 24 months.

VS

Super Surplus Gold

12 Months for Gold Plan PEDs

Modern Treatment

Reassure 3.0 Classic

Modern treatments covered up to ₹1L per complete claim amount

VS

Super Surplus Gold

Covered subject to applicable limits

Annual Health Checkup

Reassure 3.0 Classic

Available from Day 1 on cashless basis per defined Classic package.

VS

Super Surplus Gold

Not specified

Pre-Hospitalisation

Reassure 3.0 Classic

Up to 60 days before hospitalisation when related to accepted claim

VS

Super Surplus Gold

Up to 60 Days


Post-Hospitalisation

Reassure 3.0 Classic

Covered for 180 days after discharge for admitted medical expenses

VS

Super Surplus Gold

Up to 90 Days

Outpatient Department Cover (OPD Expense)

Reassure 3.0 Classic

Not in base; Wellconsult+ add on selectable up to 5X total premium.

VS

Super Surplus Gold

Not a standard OPD benefit

Deductible Option

Reassure 3.0 Classic

Annual Aggregate Deductible: ₹10K to ₹5L range.

VS

Super Surplus Gold

Defined Limit applies to aggregate eligible hospitalisation expenses


Coverage Options

Reassure 3.0 Classic

₹5L, ₹10L, Unlimited SI.

VS

Super Surplus Gold

₹5 Lakh to ₹1 Crore for Gold Plan


Claim Settlement Ratio

Reassure 3.0 Classic

80%

VS

Super Surplus Gold

Not specified

Maternity Cover

Reassure 3.0 Classic

Not included in Classic variant base benefits.

VS

Super Surplus Gold

Delivery expenses up to ₹50,000 per policy period, maximum two deliveries, subject to 12-month wait and conditions


Insurance Plans Comparison

Still Confused? Get Expert Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Why Choose Our Expert Consultation?

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Free Expert Consultation

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Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

24/7 Claim Assistance

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

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

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

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

Having questions? We've got answers. Explore our FAQs to find the information you need.

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