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Health Insurance · head to head

Health Absolute - Classic vs ReAssure 3.0

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Quick verdict

  • Health Absolute - Classic is better for existing illness covered sooner.
  • ReAssure 3.0 is better for longer pre- and post-hospital cover.

Computed from stored specifications, the published health insurance scoring rules and recorded prices. Not an opinion.

Specifications side by side

Spec
Health Absolute - Classic
ReAssure 3.0
Cover
Plan type
Individual and family floater
Individual and family floater
Sum insured options
3 lakh, 5 lakh, 10 lakh
5 lakh, 10 lakh
Highest sum insured
10 lakh
10 lakh
Entry age
From 1 day (no maximum stated)
—
Room rent
No sub-limit stated (Reasonable and Customary room rent, up to Sum Insured)
By variant: Classic General Room; Select Twin Sharing; Elite all rooms except Deluxe/Suite; Black any room (co-payment if room category breached)
Co-payment
20% for insured persons aged 61 and above at first entry
None mandatory; room-category co-payment per Annexure V if eligible room category is breached; optional voluntary co-payment 0%-50%
Waiting periods
Initial waiting period
30 days
30 days
Pre-existing disease waiting
24 months
36 months
Specific illness waiting
24 months
24 months
Benefits
Pre-hospitalisation
60 days
60 days
Post-hospitalisation
90 days
180 days
Day-care treatment
Yes
Yes
AYUSH treatment
Yes
Yes
Restore benefit
100% of base Sum Insured, triggered on second claim, once during a Policy Year
ReAssure Forever: triggered by the first paid claim, stays for life if renewed without break; each claim up to Base Sum Insured (not applicable where Unlimited Sum Insured is opted)
No-claim bonus
50% per claim-free year, maximum 100% of sum insured; reduced at same rate after a claim
Booster+: unutilised Base Sum Insured carries forward, accumulating up to 10 times (based on the plan chosen) of the Base Sum Insured
Maternity
Covered (Classic: Rs 25,000-50,000 by SI and delivery type) after 24 months / 3 annual premiums (self and spouse covered)
Not covered
OPD
Covered up to Rs 3,000 per person (individual) / Rs 5,000 per policy (floater), mental/psychiatric illness only
Not covered in base (unlimited e-consultation, cashless); optional Wellconsult+ OPD cover
Premium
Sample annual premium
₹13,986
—
Sample premium is for
Individual Premium 'Without Copay' (entry on or before age 60), age band 26-30, Sum Insured 10 Lakhs (Classic plan), 'Premium rates exclusive of Goods & Services Tax'; no zones in product; policy term not stated on table (annual rate)
—
Insurer
Health incurred claim ratio (insurer)
95.29%
61.22%
Claims figures for
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
Network hospitals (insurer)
5000+
19,000+
IRDAI UIN
GCIHLIP26043V032526
NBHHLIP27059V022627

A tick marks the better value where the category rules say higher (or lower) is better. Text values are shown without a winner. Ties have no winner.

Pros and cons

Health Absolute - Classic

  • Pro: Pre-existing diseases covered after 2 years, sooner than 82% of the 50 health insurance plans on Comparezi that state it
  • Pro: No room-rent cap
  • Con: Lower maximum sum insured than 90% of the 52 health insurance plans on Comparezi that state it (₹10 lakh)
  • Con: Co-payment: 20% for insured persons aged 61 and above at first entry

ReAssure 3.0

  • Pro: No co-payment unless you choose one for a lower premium
  • Pro: No room-rent cap
  • Con: Lower maximum sum insured than 90% of the 52 health insurance plans on Comparezi that state it (₹10 lakh)
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