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Health Insurance · head to head

ReAssure 3.0 vs Complete Healthcare Insurance (Privilege)

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Quick verdict

  • Complete Healthcare Insurance (Privilege) is better for shorter waiting periods.
  • 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
ReAssure 3.0
Complete Healthcare Insurance (Privilege)
Cover
Plan type
Individual and family floater
Individual and family floater
Sum insured options
5 lakh, 10 lakh
6 lakh, 7 lakh, 8 lakh, 9 lakh, 10 lakh
Highest sum insured
10 lakh
10 lakh
Entry age
—
91 days to 75 years
Room rent
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
None mandatory; room-category co-payment per Annexure V if eligible room category is breached; optional voluntary co-payment 0%-50%
None in base (10% co-pay only if optional tiered-network discount is opted and treatment is in non-tiered network)
Waiting periods
Initial waiting period
30 days
30 days
Pre-existing disease waiting
36 months
36 months
Specific illness waiting
24 months
12 months
Benefits
Pre-hospitalisation
60 days
30 days
Post-hospitalisation
180 days
60 days
Day-care treatment
Yes
Yes
AYUSH treatment
Yes
Yes
Restore benefit
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)
Restore Sum Insured equal to 100% of Base Sum Insured automatically available for the Policy Year once base SI and No Claim Bonus are exhausted
No-claim bonus
Booster+: unutilised Base Sum Insured carries forward, accumulating up to 10 times (based on the plan chosen) of the Base Sum Insured
10% increase in SI for every claim free year up to 50% (Privilege), or no-claim discount
Maternity
Not covered
Normal delivery up to Rs 25,000, Caesarean up to Rs 50,000 (incl. pre/post natal up to Rs 2,000); 36 months waiting period (Privilege)
OPD
Not covered in base (unlimited e-consultation, cashless); optional Wellconsult+ OPD cover
Covered up to 1% of SI or actuals, maximum Rs 7,500 (Privilege), after waiting period of 3 years
Premium
Sample annual premium
—
₹11,410
Sample premium is for
—
1 Adult, age band 26-30, Privilege plan, Sum Insured 10 Lakhs, 1-year; chart has no zones; GST inclusion not stated on chart
Insurer
Health incurred claim ratio (insurer)
61.22%
97.12%
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)
19,000+
—
IRDAI UIN
NBHHLIP27059V022627
UNIHLIP25036V042425

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

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)

Complete Healthcare Insurance (Privilege)

  • Pro: Specific illnesses covered after 1 year, sooner than 89% of the 46 health insurance plans on Comparezi that state it
  • Pro: No co-payment unless you choose one for a lower premium
  • Con: Shorter pre-hospitalisation cover than 85% of the 49 health insurance plans on Comparezi that state it (30 days)
  • Con: Shorter post-hospitalisation cover than 85% of the 49 health insurance plans on Comparezi that state it (60 days)
  • Con: Lower maximum sum insured than 90% of the 52 health insurance plans on Comparezi that state it (₹10 lakh)
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