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Compare real policy features side-by-side and quickly spot where one plan is stronger.
| Feature | Niva Bupa - ReAssure 2.0 (Bronze+ Value) | Star Health and Allied - Star Health Premier |
|---|---|---|
| Room Rent Limit | NA | No limit |
| ICU Limit | NA | No limit |
| Co-Pay | NA | Yes |
| Disease Sub-limit | NA | Yes |
| Initial Waiting (Days) | NA | 30 |
| Pre-existing Disease Waiting (Years) | 3 | 65 |
| Daycare Procedures | NA | Yes (Covered up to: sum insured) |
| Domiciliary | NA | Yes (Covered up to: the cover amount) |
| Organ Donor Cover | NA | No |
| Refill on Exhaustion | Available | No |
| Refill Illness Applicability | Related and unrelated illness | Related and unrelated illness |
| Refill Trigger | Partial exhaustion of Sum Insured | Partial exhaustion of Sum Insured |
| Refill Limit | Unlimited times in a policy year | Once in a policy year |
| Refill Applicable Claim | First paid claim | Subsequent claims |
| Consumables | NA | Yes |
| Bonus Rate | NA | 20% |
| % Settled < 30 Days | 99.95% | 97.69% |
| % Complaints on Claims | 0.43% | 0.52% |
| Incurred Claim Ratio | 61.64% | 70.53% |
| Claim Settlement Ratio (No.) | 90.64% | 87.17% |
| Claim Settlement Ratio (Value) | 74.32% | 84.62% |
| Claim Rejection Ratio | 7.30% | 11.32% |
| Cashless Hospitals | 10,000+ | 14,000+ |
| Plan Type | Individual | Individual |