Insurance Plans Comparison
Niva Bupa Reassure 3.0 Select vs TATA AIG Medicare Select
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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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
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
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.
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 Select Health Insurance Plan VS VS |
Medicare Select Health Insurance Plan |
| Room Rent |
|---|
Reassure 3.0 Select Select covers up to Twin Sharing Room; higher rooms attract co-payment. |
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 Select Covered under hospitalisation expenses up to applicable SI. |
VS VS |
Medicare Select No restriction on ICU room rent |
| Co-payment |
|---|
Reassure 3.0 Select Selectable: 0%, 10%, 20%, 30%, 40%, 50% options. |
VS VS |
Medicare Select Not available |
| Disease-wise sublimits |
|---|
Reassure 3.0 Select ₹1L limit per claim for specified modern treatments |
VS VS |
Medicare Select No |
| Cashless Healthcare Providers |
|---|
Reassure 3.0 Select Niva Bupa network hospitals subject to authorisation |
VS VS |
Medicare Select 12,000+ Healthcare Providers |
| Restoration Benefit |
|---|
Reassure 3.0 Select ReAssure Forever: Base SI restored after first claim, unlimited times. |
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 Select 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 Select Covered for ≥2 hours hospitalisations per policy terms. |
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 Select Claim Safeguard+ available as optional benefit |
VS VS |
Medicare Select No. However, available as an add-on |
| AYUSH Treatment |
|---|
Reassure 3.0 Select Covered for ≥24 hours AYUSH hospitalisation up to 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 Select 30 days (except accidents). |
VS VS |
Medicare Select 30 days |
| Specific Waiting Period |
|---|
Reassure 3.0 Select 24 months standard; Specific Disease modification to 12 or 16 months. |
VS VS |
Medicare Select 2 years |
| PED Waiting Period |
|---|
Reassure 3.0 Select 36 months standard; modifiable to 12 or 24 months. |
VS VS |
Medicare Select 3 years |
| Modern Treatment |
|---|
Reassure 3.0 Select Modern treatments covered up to ₹1L per complete claim amount. |
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 Select Available from Day 1 on cashless basis per defined packages. |
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 Select 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 Select Covered for 180 days after discharge for eligible 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 Select Not in base; Wellconsult+ add on provides OPD and wellness benefits. |
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 Select Annual Aggregate Deductible: ₹10K to ₹5L range. |
VS VS |
Medicare Select Available as an option |
| Coverage Options |
|---|
Reassure 3.0 Select Unlimited Sum Insured option available. |
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 Select 80% |
VS VS |
Medicare Select 95.43% |
| Maternity Cover |
|---|
Reassure 3.0 Select Not in standard, Select variant base benefits. |
VS VS |
Medicare Select Available |
Insurance Plans Comparison
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Personalised Recommendations
Every suggestion is backed by expert analysis of your life stage, goals, and budget
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Frequently Asked Questions (FAQs)
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