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Care Supreme vs Niva Bupa Reassure

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09 Feb, 2023 by  Beshak Member

I have recently been pitched above the above two plans for my parents (56M, 49F with PED - diabetes). Both of them are feature rich, particularly the Supreme Plan while the prices are pretty competitive and seems low given Reassure just spiked its new premiums. However, I am concerned with a few things below, opinion on which would be highly appreciated from the community.

  • While Reassure comes with PED and non-consumables rider, Supreme mentions having similar ones in brochure/wording but doesn't offer them actually. Are they allowed to do so and why mention something when in real you don't offer it at all?
  • For someone with PED, how does the insurer actually decide if to accept the claim or not? Would the PED waiver/reduction rider be utmost important then when the waiting period is 4 years?
  • Supreme has a feature where you can increase your total sum insured (base+bonus) to 6 times the base (adding the no claim bonus) in 5 years by taking a cumulative bonus super rider. With various future implications, would it be advised to take a low base and the rider or stick to a high base?
  • Other things constant, Care' plan looks cheap when compared to Reassure. While this may be a market acquiring strategy amongst others, how is the experience by an advisor/claimant wrt Care's claim support and experience?
  • How often is the premium revision and feature addition/deletion amongst insurance firms? Would it be advisable to go for multi year plans whilst being comparatively economical?
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Hi, you have asked a long list of questions - perhaps it will be best if you can book a free call with an advisor, to get personalized recommendations & understanding of the overall working of the plan & the industry in specific.


I would still dwell on the area of premiums hikes, well they happen on account of both inflation & age-adjusted increases. The insurance company is constantly evaluating you on hospitalization risks with medical inflation being over 12% in this country, the pricey treatment costs & new treatment modalities have to reflect in the underlying premiums - hence they keep getting revised, regardless of the insurer - sooner or later.


Lastly, when choosing a product for a loved one's, considerations go over and above just the price. Product stability, claim reviews and track record matters a lot as well. No plan is bad but it appeals only to a certain section of consumers who have a specific health need.


When choosing a plan for parents, try to go with something that is already tested & is well established if possible as the switching costs for someone post 60's can be huge, the last thing you want weighing on your mind is the financial anxiety over & above the health concern that your parents will be facing.


Happy to connect & talk more.


All the best

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12 Oct, 2023
Mansi Miglani

When comparing two health insurance plans, "Care Supreme" and "Niva Bupa Reassure," it's essential to assess various factors to determine which plan is better suited to an individual's or a family's healthcare needs. Both plans may have their own unique advantages, and it's crucial to evaluate them in depth. 


Niva Bupa Reassure is often considered the better choice for several reasons. 


First and foremost, Niva Bupa has built a reputation for providing comprehensive healthcare solutions. The "Reassure" plan lives up to this reputation by offering a wide range of coverage options. It covers hospitalization expenses, daycare procedures, and even pre- and post-hospitalization costs. This comprehensive coverage ensures that individuals and families have peace of mind, knowing that they are financially protected in the event of a medical emergency.


Niva Bupa Reassure also stands out due to its flexibility. The plan allows policyholders to choose from a variety of coverage options and sum insured levels. This flexibility ensures that individuals can tailor their insurance to meet their specific needs and budget. Whether you're looking for basic coverage or an all-encompassing plan, Niva Bupa Reassure has options to suit various preferences.


One of the most notable features of Niva Bupa Reassure is its extensive network of hospitals. Niva Bupa has tie-ups with numerous healthcare providers, which means policyholders have access to quality healthcare facilities across the country. This wide network ensures that policyholders can receive medical care wherever they are, making it a convenient choice for those who travel frequently or live in different cities.


Moreover, Niva Bupa Reassure offers attractive add-on features, such as maternity coverage and coverage for critical illnesses. These additional features provide extra layers of protection, ensuring that policyholders are well-prepared for any unexpected health issues. 


The plan also boasts a hassle-free claims process, which is a critical factor when evaluating any insurance policy. Niva Bupa's commitment to making the claims process as smooth as possible is a significant advantage, as it reduces stress during difficult times and ensures that policyholders receive the support they need when filing a claim.


In terms of customer service, Niva Bupa is renowned for its prompt and helpful customer support. Dealing with insurance can be complex, but Niva Bupa's customer service team is known for its responsiveness and ability to assist policyholders with their queries and concerns.


On the other hand, while Care Supreme may have its own merits, it may not match up to Niva Bupa Reassure in various aspects. It's essential to examine the specific coverage, premium rates, and network of hospitals to draw a precise comparison. However, based on the overall reputation, comprehensive coverage, flexibility, and customer service of Niva Bupa, it's evident that Niva Bupa Reassure is the superior choice when it comes to selecting the Best Health Insurance Policy.


In conclusion, when comparing "Care Supreme" and "Niva Bupa Reassure," Niva Bupa stands out as the better option due to its comprehensive coverage, flexibility, extensive hospital network, add-on features, hassle-free claims process, and excellent customer service. It's essential to make an informed decision based on individual or family healthcare needs, but Niva Bupa Reassure offers a well-rounded package that ensures financial protection and peace of mind in times of medical need.


Happy to connect & talk more.





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12 Oct, 2023
Erric Ravi
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12 Oct, 2023
Mandeep Singh

Choosing the right health insurance is a crucial decision, and the debate between Care Health Insurance and Niva Bupa Family Health Insurance centers on various factors.


Care Health Insurance:


  Known for offering affordable health insurance options with comprehensive coverage.

  Wide network of hospitals and cashless treatment options.

  Tailored plans to suit various budgets and needs.

  Excellent customer service and hassle-free claim settlement process.


Niva Bupa Family Health Insurance:


  Renowned for its reputation as one of the best health insurance providers in India.

  Offers a wide range of family-centric plans with customizable features.

  High claim settlement ratio and a seamless online application process.

  Focuses on wellness programs and preventive healthcare.


When comparing Care Health Insurance and Niva Bupa Family Health Insurance Plan, it's essential to consider your specific requirements, budget, and preferences. Both providers have their strengths, and the choice should be based on factors like coverage, premium costs, the network of hospitals, and any additional benefits like wellness programs. Consulting with an insurance advisor can help you make an informed decision that aligns with your family's healthcare needs and financial security.

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