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Insurance Plans Comparison

Niva Bupa Reassure 3.0 Select vs Star Women Care

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 Select

Niva Bupa ReAssure 3.0 Select Health Insurance Plan with Twin-Sharing Room Cover and Optional Benefits

What Makes It Special:

ReAssure 3.0 Select is a health insurance variant designed for customers seeking hospitalisation cover with a twin-sharing room entitlement and access to optional benefits. It covers eligible hospitalisation expenses, including pre- and post-hospitalisation costs, home care and organ donor expenses, subject to policy conditions. Customers can also explore options such...

Best For:

  • Buyers who value additional wellness benefits and claim-free-year rewards, subject to eligibility.

  • Individuals interested in optional OPD and specified non-payable expense coverage.

  • Buyers who prefer flexible co-payment and deductible options.

  • Individuals seeking coverage for modern treatments, subject to policy conditions.

  • Buyers who want broader room eligibility than a general-room or twin-sharing restriction.

VS

What Makes It Special:

Star Women Care is a specialized health plan designed for women and their families. It offers coverage from ₹5 lakh to ₹1 crore with benefits like maternity, newborn care, preventive check-ups, OPD consultations, and wellness rewards. The plan also includes coverage for surrogacy, oocyte donation, modern treatments, AYUSH, and organ...

Best For:

  • Wellness-linked, preventive care insurance

  • Automatic sum insured restoration

  • Premium maternity and newborn care

  • Comprehensive women’s family health protection

  • (4-5 word description of the type of plan)

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

  • Optional benefits: Review the costs, limits and conditions of OPD coverage, non-payable expense protection and other add-ons.

  • Coverage limits: Confirm the sum insured, treatment-specific limits, ambulance benefits and restoration conditions.

  • Out-of-pocket costs: Compare co-payment percentages and deductible options before selecting the policy.

  • Waiting periods: Review initial, pre-existing disease and specific-disease waiting periods, including any available modifications.

  • Room eligibility: Check the exclusion of Deluxe and Suite rooms and understand the consequences of choosing a room outside the permitted category.

  • You prefer no medical check-up before purchase

  • You enjoy earning wellness points and premium discounts

  • You need surrogacy and oocyte donor coverage

  • You want automatic sum insured restoration after a claim

  • You value OPD consultations and yearly health check-ups

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Reassure 3.0 Select
Reassure 3.0 Select

Health Insurance Plan

VS
Women Care
Women Care

Health Insurance Plan

Room Rent

Reassure 3.0 Select

Select covers up to Twin Sharing Room; higher rooms attract co-payment.

VS

Women Care

Up to 1% of SI (₹5L); Single AC up to ₹25L; any room above ₹50L

ICU Charges

Reassure 3.0 Select

Covered under hospitalisation expenses up to applicable SI.

VS

Women Care

No restriction on ICU room rent

Co-payment

Reassure 3.0 Select

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

VS

Women Care

Yes (subject to co-payment of 10% for insured person whose age at the time of entry is 61 years and above)

Disease-wise sublimits

Reassure 3.0 Select

₹1L limit per claim for specified modern treatments

VS

Women Care

No

Cashless Healthcare Providers

Reassure 3.0 Select

Niva Bupa network hospitals subject to authorisation

VS

Women Care

13000+ Healthcare Providers

Restoration Benefit

Reassure 3.0 Select

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

VS

Women Care

100% once after full/partial utilization in a year

Cumulative Bonus

Reassure 3.0 Select

Booster+ add on: Accumulates up to 10X base SI carried forward annually

VS

Women Care

20% each year, up to 100%

Daycare Treatment

Reassure 3.0 Select

Covered for ≥2 hours hospitalisations per policy terms.

VS

Women Care

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Consumable Cover

Reassure 3.0 Select

Claim Safeguard+ available as optional benefit

VS

Women Care

Yes

AYUSH Treatment

Reassure 3.0 Select

Covered for ≥24 hours AYUSH hospitalisation up to SI.

VS

Women Care

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Initial Waiting Period

Reassure 3.0 Select

30 days (except accidents).

VS

Women Care

30 days.

Specific Waiting Period

Reassure 3.0 Select

24 months standard; Specific Disease modification to 12 or 16 months.

VS

Women Care

2 years

PED Waiting Period

Reassure 3.0 Select

36 months standard; modifiable to 12 or 24 months.

VS

Women Care

3 years

Modern Treatment

Reassure 3.0 Select

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

VS

Women Care

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Annual Health Checkup

Reassure 3.0 Select

Available from Day 1 on cashless basis per defined packages.

VS

Women Care

Health check-up is available once every policy year, from day 1 of the policy

Pre-Hospitalisation

Reassure 3.0 Select

Up to 60 days before hospitalisation when related to approved claim.

VS

Women Care

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 Select

Covered for 180 days after discharge for eligible expenses.

VS

Women Care

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)

Reassure 3.0 Select

Not in base; Wellconsult+ add on provides OPD and wellness benefits.

VS

Women Care

OPD is available

Deductible Option

Reassure 3.0 Select

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

VS

Women Care

Not Available


Coverage Options

Reassure 3.0 Select

Unlimited Sum Insured option available.

VS

Women Care

Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L,₹1 Cr


Claim Settlement Ratio

Reassure 3.0 Select

80%

VS

Women Care

82.31%

Maternity Cover

Reassure 3.0 Select

Not in standard, Select variant base benefits.

VS

Women Care

Available

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Still Confused? Get Expert Advice

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Why Choose Our Expert Consultation?

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

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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

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Explore Insurance Category

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Senior Citizen Health Plan

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  • Tailored for seniors healthcare needs

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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

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