Insurance Plans Comparison
Niva Bupa Reassure 3.0 Black vs TATA AIG Medicare Select
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreReassure 3.0 Black
Premium health insurance coverage with unlimited sum-insured options, flexible co-payment and deductible choices, and additional benefits subject to policy terms.
What Makes It Special:
Niva Bupa ReAssure 3.0 Black is the Black variant of the ReAssure 3.0 health insurance product. The supplied brochure lists coverage for hospitalisation expenses, modern treatments, AYUSH treatment, pre- and post-hospitalisation expenses, and ambulance services. It also describes benefits such as Lock the Clock, Live Healthy, Cash-Bag+, and optional Wellconsult+,...
Best For:
Buyers who want to explore premium-related benefits such as Lock the Clock and claim-free-year cashback through Cash-Bag+, subject to the applicable terms.
Individuals interested in additional benefits such as OPD services through Wellconsult+ or non-payable-item coverage through Claim Safeguard+, where available.
Buyers who value any-room coverage, as listed for the Black variant in the brochure.
Individuals who prefer the flexibility to choose a co-payment percentage or annual aggregate deductible.
Buyers seeking a health insurance plan with unlimited sum-insured options, subject to availability and policy conditions.
VS
Medicare Select
Comprehensive Health Insurance with Flexible Coverage Options, Unlimited Restoration and Customisable Benefits
What Makes It Special:
TATA AIG MediCare Select is a customisable health insurance plan offering individual and family floater coverage. It combines core hospitalisation benefits with optional features that allow policyholders to adjust their cover to their needs and budget.
Best For:
Flexible sum insured options
Critical illness and daycare treatments
Pre- and post-hospitalization expenses covered
Comprehensive individual and family coverage
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
Optional benefits and exclusions: Confirm the availability and cost of Wellconsult+, Claim Safeguard+, Borderless, and other optional benefits, along with their individual limits and exclusions.
Room eligibility and network: Verify the any-room benefit, room-category restrictions, network hospitals, and potential co-payment when specified conditions are not met.
Co-payment and deductibles: Compare the available percentages and deductible amounts. Understand how these affect the amount payable during a claim.
Waiting periods: Check the initial waiting period, specific-disease waiting periods, and pre-existing disease waiting period. Confirm whether any optional modification has been accepted.
Sum insured: Confirm the available sum-insured options, premium, and the precise meaning of unlimited coverage under the policy.
Covers daycare treatments without overnight stay.
Pre- and post-hospitalization expenses included.
Safeguards against critical illness and emergencies.
Comprehensive coverage for hospitalization and treatment.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Reassure 3.0 Black Health Insurance Plan VS VS |
![]() Medicare Select Health Insurance Plan |
| Room Rent |
|---|
Reassure 3.0 Black Any room category covered up to SI with no room-type capping. |
VS VS |
Medicare Select Single private AC room is included as part of base cover. However, you can opt for add-on to downgrade the room category |
| ICU Charges |
|---|
Reassure 3.0 Black Covered as part of hospitalisation expenses up to applicable SI |
VS VS |
Medicare Select No restriction on ICU room rent |
| Co-payment |
|---|
Reassure 3.0 Black Optional: 0%, 10%, 20%, 30%, 40%, 50% choices available. |
VS VS |
Medicare Select Not available |
| Disease-wise sublimits |
|---|
Reassure 3.0 Black No general disease-wise sublimit specified |
VS VS |
Medicare Select No |
| Cashless Healthcare Providers |
|---|
Reassure 3.0 Black Available through Niva Bupa network hospitals. |
VS VS |
Medicare Select 12,000+ Healthcare Providers |
| Restoration Benefit |
|---|
Reassure 3.0 Black ReAssure Forever: Base SI restored after first claim, unlimited times for life. |
VS VS |
Medicare Select es, your sum insured restores to 100% unlimited times after your first claim, for both related and unrelated illnesses |
| Cumulative Bonus |
|---|
Reassure 3.0 Black Booster+ add on: Accumulates up to 10X base SI carried forward annually. |
VS VS |
Medicare Select Your sum insured increases by 50% for every claim-free year, upto 100%. If a claim is made during the policy year, the cumulative bonus is reduced by 50% in the next policy year |
| Daycare Treatment |
|---|
Reassure 3.0 Black Eligible Day Care Treatments covered under hospitalisation benefit. |
VS VS |
Medicare Select Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Consumable Cover |
|---|
Reassure 3.0 Black Yes, medicines, drugs and consumables included in hospitalisation expenses. |
VS VS |
Medicare Select No. However, available as an add-on |
| AYUSH Treatment |
|---|
Reassure 3.0 Black Covers AYUSH hospitalisation up to applicable SI |
VS VS |
Medicare Select Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Initial Waiting Period |
|---|
Reassure 3.0 Black 30 days (standard terms apply). |
VS VS |
Medicare Select 30 days |
| Specific Waiting Period |
|---|
Reassure 3.0 Black Standard period with option to modify to 12 or 36 months. |
VS VS |
Medicare Select 2 years |
| PED Waiting Period |
|---|
Reassure 3.0 Black Standard 36 months with option to modify to 12 or 24 months |
VS VS |
Medicare Select 3 years |
| Modern Treatment |
|---|
Reassure 3.0 Black Covers robotic surgery, oral chemotherapy, stereotactic radiosurgery, deep brain stimulation, intravitreal injections up to applicable SI. |
VS VS |
Medicare Select Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
Reassure 3.0 Black Not in Black variant base; NivaBupaOne provides Executive Health Assessment separately. |
VS VS |
Medicare Select Health checkup is not included as part of base cover. However, available as an add-on |
| Pre-Hospitalisation |
|---|
Reassure 3.0 Black Up to 60 days before hospitalisation when related to approved claim. |
VS VS |
Medicare Select You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Reassure 3.0 Black Up to 180 days after discharge for related eligible medical expenses. |
VS VS |
Medicare Select 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 Black Not in base; Wellconsult+ available as optional OPD benefit. |
VS VS |
Medicare Select OPD expense is not included as part of base cover. However, available as an add-on |
| Deductible Option |
|---|
Reassure 3.0 Black Annual Aggregate Deductible available: ₹10K to ₹5L range. |
VS VS |
Medicare Select Available as an option |
| Coverage Options |
|---|
Reassure 3.0 Black ₹5L, ₹10L, Unlimited SI. |
VS VS |
Medicare Select Available coverage options: ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr, ₹3 Cr |
| Claim Settlement Ratio |
|---|
Reassure 3.0 Black 80% |
VS VS |
Medicare Select 95.43% |
| Maternity Cover |
|---|
Reassure 3.0 Black Not in standard Black variant benefits. |
VS VS |
Medicare Select Available |
Insurance Plans Comparison
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