Reassure 2.0 Platinum Plus vs Young Star Gold Health Insurance Plan
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Reassure 2.0 Platinum Plus vs Young Star Gold Health Insurance Plan 2024

Reassure 2.0 Platinum Plus Plan and Young Star Gold 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 Reassure 2.0 Platinum Plus Plan are 14000+ Number Of Network Hospitals whereas Young Star Gold 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  Niva Bupa Health Insurance Company Limited

Reassure 2.0 Platinum Plus

 Star Health And Allied Insurance Company Limited

Young Star Gold

Premium Including GST
Sum Assured 5, 10, 15, 20, 25, 50 Lacs & 1Cr 3L, 4L, 5L, 10L, 15L, 20L & 25L
Product Type Individual & Family Floater Reimbursement Hospitalization and Cashless
Key Features
(Key features of the plan)
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
Covers PED and Slow Growing diseases just after 1 year
Offers Early Bird discount - If this policy is availed before the age of 36 years
Covers Delivery expenses upto 30000 just after 3 years
Additional Basic Sum Insured for Road Traffic Accident - SI shall be increased by 25% subject to a maximum of INR 10 Lacs
Automatic Restoration upto 100% of SI
Hospital Cash - INR 1000 for each completed day of hospitalization
E-Medical Opinion
OPD Details
(In some policies, OPD (Out patient department) expenses are also covered.)
Optional (Through Acute Care rider) Not Available
EMI Option yes no
Pre-acceptance Medical Check Up
(Whether a pre-acceptance check up is required or not to buy the policy)
Not Required Not Applicable
Room Rent
(A limit of room rent cover during hospitalization if any)
Any Room (Covered up to Rs 10L) Single private A/c room
Domicillary Hospitalization
(It is the expenses incurred on treatment of the patient at home)
Covered up to Rs 10 L Not Available
Pre-hospitalization
(Expenses before the insured is hospitalized)
60 Days 60 Days
Post-hospitalization
(Expenses after discharge from the hospital)
180 Days 90 Days
Non-allopathic
(Expenses incurred on non-allopathic treatment)
Covered up to Rs 10 L Not Covered
Day Care Treatment Covered
(Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.)
Covered up to Rs 10 L(All Day Care Procedures) All day care treatment covered
Hospital_network
(Number of Hospital Network in city)
Organ Donor Expenses
(Expenses incurred on organ donor in case of organ transplants)
Covered up to Rs 10 L Not Applicable
Hospital Daily Allowance
(Some plans offer daily allowance to take care of expenses like food, etc)
INR 800 per day, Maximum INR 4,800, Note: On Shared Accommodation Rs 1000/hospitalization
Pre-existing Coverage
(If the insured is having some existing diseases, that would be covered after particular time period)
Covers after 3 years After 1 year
Cumulative Bonus
(The amount by which your sum assured gets increased, if there is no claim.)
(Guaranteed Booster +) 5X: Unutilised Base Sum Insured carries forward to the next policy year, maximum up to 5 times of Base Sum Insured. Rs 2L of the Sum Insured upto Rs 10L
Restoration Details
(Increase of Sum Insured for non-related illness if the original sum insured is exhausted)
Available for unlimited times upto Rs 10L for unrelated or same illness Upto Rs 10L on partial and full exhortation
Ambulance Charges
(Expenses incurred on ambulance charges)
Covered upto Rs 10 L Upto 10L
Worldwide Emergency
(The emergency medical assistance and cover against medical expenses while the customer is abroad)
Not Available NA
Maternity Benefits
(All Hospitalization cost covered at the time of pregnancy.)
Not Available Covered upto Rs. 30,000/Delivery(Waiting period 3 years)
New Born Baby Covered
(Newborn babies can be covered under the insurance plan after a certain period)
Not Available No
Health Checkup
(An added benefit of one time full health checkup of policy holder.)
Annual health checkup (From Day 1 on Cashless basis) Available every year irrespective of the claim
Non-allopathic Details
(Expenses incurred on non-allopathic treatment)
yes no
Vaccination
(Cover againts any medical expenses occurred in Vaccinations for certain diseases)
Yes No
Animal Bite
(Cover againts any medical expenses occurred due to any Animal Bite)
Not Available Not Applicable
Sub Limit
(Sub-limit is a monetary capping that applies on specific diseases like cataract)
Not Applicable Not Applicable
Co-pay
(Mentioned %, if any is to be borne by Insured and rest will be borne by insurer)
No Co-Pay 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.