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| Feature | Care - Insurance Care Supreme | Niva Bupa - ReAssure 3.0 (Black) |
|---|---|---|
| Room Rent Limit | NA | No limit |
| ICU Limit | NA | No limit |
| Co-Pay | No | Yes |
| Disease Sub-limit | Yes | Yes |
| Initial Waiting (Days) | 30 | NA |
| Specific Disease Waiting (Years) | 2 | NA |
| Pre-existing Disease Waiting (Years) | 1 | 1 |
| Post-Hospitalisation | 180 days (Covered up to: sum insured) | NA |
| Daycare Procedures | NA | Yes (Covered up to: sum insured) |
| Domiciliary | Yes (Covered up to: sum insured) | Yes (Covered up to: sum insured) |
| Organ Donor Cover | Yes (Covered up to: sum insured) | No (Covered up to: sum insured) |
| Modern Treatments | NA | Yes |
| Refill on Exhaustion | Available | Available |
| Refill Illness Applicability | Related and unrelated illness | Related and unrelated illness |
| Refill Trigger | NA | Partial exhaustion of Sum Insured |
| Refill Limit | Unlimited times in a policy year | Unlimited times in a policy year |
| Refill Applicable Claim | Subsequent claims | First paid claim |
| Consumables | Yes | No |
| Bonus Rate | 100% | NA |
| Bonus Max Limit | 600% | 1000% |
| % Settled < 30 Days | Quick | 99.95% |
| % Complaints on Claims | 0.47% | 0.43% |
| Incurred Claim Ratio | 66.28% | 61.64% |
| Claim Settlement Ratio (No.) | 95.19% | 90.64% |
| Claim Settlement Ratio (Value) | 87.97% | 74.32% |
| Claim Rejection Ratio | 3.10% | 7.30% |
| Cashless Hospitals | 22,100+ | 10,000+ |
| Plan Type | Individual | Individual |