Prime Active vs Reassure 2.0 Platinum Plus Health Insurance Plan
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Prime Active vs Reassure 2.0 Platinum Plus Health Insurance Plan 2024

Prime Active Plan and Reassure 2.0 Platinum Plus Plan both come with a plethora of insurance solutions and a vast product portfolio. Both companies are well known for their all-inclusive plans that cover individuals as well as their families. The network hospitals under the umbrella of Prime Active Plan are 14000+ Number Of Network Hospitals whereas Reassure 2.0 Platinum Plus Plan has 20800+ Number Of Network Hospitals of them. The companies provide benefits such as hospitalization, accidental care, daycare procedures, critical illness and senior citizen coverage, along with affordable premiums and high sum insured new age insurance plans.

PLAN DETAILS  ManipalCigna Health Insurance Company Limited

Prime Active

 Niva Bupa Health Insurance Company Limited

Reassure 2.0 Platinum Plus

Premium Including GST
Sum Assured 3L, 5L, 7.5L, 10L, 12.5L & 15L 5, 10, 15, 20, 25, 50 Lacs & 1Cr
Product Type Individual & Multi-Individual Individual & Family Floater
Key Features
(Key features of the plan)
Covers PED like Asthma - BP - Cholesterol - Diabetes & Obesity after 90 days
Premium Waiver option
Convalescence Benefit (Lump Sum benefit of 30000 per hospitalization for at least 10 consecutive days; applicable for SI 5 Lacs and above)
Unlimited Restoration
Unlimited Tele-consultation in a Policy Year
HIV/AIDS & STD Cover
Unlimited Automatic Restoration,Unlimited E-Consultations
Wellness Benefit: Earn up to 30% Discount on Renewal,Guaranteed Carry Forward of the unused Sum Insured
Reassure Forever
Premium will not increase till the age you don't claim
OPD Details
(In some policies, OPD (Out patient department) expenses are also covered.)
Not Available Optional (Through Acute Care rider)
EMI Option yes yes
Pre-acceptance Medical Check Up
(Whether a pre-acceptance check up is required or not to buy the policy)
Required Not Required
Room Rent
(A limit of room rent cover during hospitalization if any)
Single Private AC room Any Room (Covered up to Rs 10L)
Domicillary Hospitalization
(It is the expenses incurred on treatment of the patient at home)
Up to Rs 100000/- Covered up to Rs 10 L
Pre-hospitalization
(Expenses before the insured is hospitalized)
30 Days 60 Days
Post-hospitalization
(Expenses after discharge from the hospital)
60 Days 180 Days
Non-allopathic
(Expenses incurred on non-allopathic treatment)
Upto Rs. 10L Covered up to Rs 10 L
Day Care Treatment Covered
(Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.)
Upto Rs. 10L Covered up to Rs 10 L(All Day Care Procedures)
Hospital_network
(Number of Hospital Network in city)
Organ Donor Expenses
(Expenses incurred on organ donor in case of organ transplants)
Upto Rs. 10L Covered up to Rs 10 L
Hospital Daily Allowance
(Some plans offer daily allowance to take care of expenses like food, etc)
Rs. 800/- per day (Max Upto Rs. 5600) INR 800 per day, Maximum INR 4,800, Note: On Shared Accommodation
Pre-existing Coverage
(If the insured is having some existing diseases, that would be covered after particular time period)
90 days for Asthma, Diabetes, Hypertension, Dyslipidaemia and Obesity related conditions. For all other conditions - 24 months Covers after 3 years
Cumulative Bonus
(The amount by which your sum assured gets increased, if there is no claim.)
Rs 100000/- per year & max upto Rs 10L (Guaranteed Booster +) 5X: Unutilised Base Sum Insured carries forward to the next policy year, maximum up to 5 times of Base Sum Insured.
Restoration Details
(Increase of Sum Insured for non-related illness if the original sum insured is exhausted)
Unlimited Restoration of Sum Insured for unrelated illnesses Available for unlimited times upto Rs 10L for unrelated or same illness
Ambulance Charges
(Expenses incurred on ambulance charges)
Upto Rs. 10L Covered upto Rs 10 L
Worldwide Emergency
(The emergency medical assistance and cover against medical expenses while the customer is abroad)
NA Not Available
Maternity Benefits
(All Hospitalization cost covered at the time of pregnancy.)
NA Not Available
New Born Baby Covered
(Newborn babies can be covered under the insurance plan after a certain period)
NA Not Available
Health Checkup
(An added benefit of one time full health checkup of policy holder.)
Health Checkup is available once every 3 years on cashless basis only in Network of MCHI Annual health checkup (From Day 1 on Cashless basis)
Non-allopathic Details
(Expenses incurred on non-allopathic treatment)
no yes
Vaccination
(Cover againts any medical expenses occurred in Vaccinations for certain diseases)
No Available Yes
Animal Bite
(Cover againts any medical expenses occurred due to any Animal Bite)
Not Applicable Not Available
Sub Limit
(Sub-limit is a monetary capping that applies on specific diseases like cataract)
Applicable Not Applicable
Co-pay
(Mentioned %, if any is to be borne by Insured and rest will be borne by insurer)
No-Copay No Co-Pay

Health Insurance Companies

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Naval Goel

Reviewed By: Naval Goel

Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.