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Niva Bupa Reassure vs HDFC Ergo Optima Restore

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13 May, 2022 by  Nishant Dixit


First of all, thanks for running this community. I am planning to take a family floater health insurance policy for myself, my wife and my daughter. Few things that I am looking for is no capping on the room rent and the restoration benefit.

The two policy that stood out were Niva Bupa Reassure and HDFC Ergo Optima Restore. Now I am bit confused towards Niva Bupa due to their negative reviews online though it sounds better on paper than HDFC Ergo.

Does anyone have any views or suggestions for me. There are few more questions that I’ll ask later.

Thanks in advance

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2 Answer

14 May, 2022
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Dear Nishant,

The two plans look very similar but they have differences in terms of features and benefits they offer. Like you mentioned the No room caping - In Optima Restore there is no restriction on any kind of room. In case of Reassure the room allowed is any type of room(except suite or above). Similarly incase of Restore benefit in Optima Restore it is available once in a year while in ReAssure it is available for unlimited times a year.

But these should not be only reason for you to make a choice of the plan. One needs to know your past and current medical history, city of residence, network hospital, budget to close on a plan. The premiums of the two plans vary quite a bit currently.

Incase, you are looking for a suggestion and a professional advisor who render his/her services for post sales and claim support you may get in touch with Beshak Community Advisor for a 1-2-1.


Rohit Dhingra

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15 May, 2022
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Dear Nishant,

I can help you out with no capping , any. Room category with related illness restoration(Unlimited times) ,post hospitalisation 180 days and consumables.

Most important part after buying health insurance service and support for ( Cashless and Reimbursement).

will be happy to help your family.

Thanks and regards

Vikram Aralikatty CFP

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