Prime Senior Elite vs Reassure 2.0 Platinum Plus - Direct Health Insurance Plan
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Prime Senior Elite vs Reassure 2.0 Platinum Plus - Direct Health Insurance Plan 2024

Prime Senior Elite Plan and Reassure 2.0 Platinum Plus - Direct 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 Senior Elite Plan are 14000+ Number Of Network Hospitals whereas Reassure 2.0 Platinum Plus - Direct 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 Senior Elite

 Niva Bupa Health Insurance Company Limited

Reassure 2.0 Platinum Plus - Direct

Premium Including GST
Sum Assured 5L, 7.5 L, 10L, 15L, 20L, 25L & 50L 5, 10, 15, 20, 25, 50 Lacs & 1Cr
Product Type Individual/Multi-individual and Family Floater Individual & Family Floater
Key Features
(Key features of the plan)
Modern and Advanced Treatments/HIV/ AIDS & STD / Mental Illness Cover are covered upto SI
Unlimited Restoration of Sum Insured for unrelated/ related illnesses
Unlimited Tele-consultation in a policy year including specialists
Discount on Pharmacy - Diagnostics - Medical Devices - Health Supplements and other services offered by the network providers of MCHI
Waives off next one year renewal Policy Premium upon occurrence of Accidental Death or diagnosis of any of the listed Critical Illnesses
Reduction in PED Waiting period to 90 Days (Optional)
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)
Not 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 10 L)
Domicillary Hospitalization
(It is the expenses incurred on treatment of the patient at home)
Up to Rs 10L Covered up to Rs 10 L
Pre-hospitalization
(Expenses before the insured is hospitalized)
60 Days 60 Days
Post-hospitalization
(Expenses after discharge from the hospital)
90 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)
INR 800 per day up to maximum of INR 5600 per hospitalization (On Shared Accomodation) 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)
Covers after 24 Months Covers after 3 years
Cumulative Bonus
(The amount by which your sum assured gets increased, if there is no claim.)
Guaranteed Bonus of Rs 1L Or max Upto Rs 10L (Guaranteed Booster +) 5X: Unutilised Base Sum Insured carries forward to the next policy year, maximum up to 10 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/ related 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)
Not Available Not Available
Maternity Benefits
(All Hospitalization cost covered at the time of pregnancy.)
Not Available Not Available
New Born Baby Covered
(Newborn babies can be covered under the insurance plan after a certain period)
Not Available Not Available
Health Checkup
(An added benefit of one time full health checkup of policy holder.)
Annually from 1st year onwards. Limits basis opted Sum Insured 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)
Not Available Yes
Animal Bite
(Cover againts any medical expenses occurred due to any Animal Bite)
Not Available 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)
You pay 20% of claim No Co-Pay

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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.