Loading
Elevate is stronger on ICU / ICCU charges (and 6 more); ReAssure 3.0 takes cumulative bonus (and 3 more). The differences don't cancel - they point at different buyers.
Which side of that trade is yours depends on the risk you're covering for - the ledger below weighs each difference.
Read from each insurer’s official policy wording · plan facts last updated 17 Aug 2026 · an educational comparison, not advice and not a recommendation to buy.
Every difference that matters, split by which plan takes it - then the full receipt.
You’ve seen who wins what. Now put one real bill through both.
All 41features we compared, in one place - what differs (ranked by what it costs you at claim time), what reads the same whichever you pick, and the few things we couldn't verify.
Ranked by what the gap costs you when you claim - not by category, and not by how many boxes each plan ticks.
Cover only one of them has, and class gaps on the features that matter most.
Strong vs limited coverWorth it if I never claim?
Elevate's bonus keeps growing even in a claim year (+20% a year); ReAssure 3.0's bonus pauses when you claim - the year you need it is the year it stops building.
Strong vs limited coverBig hospital bills
With ReAssure 3.0, your daily ICU limit is a percentage of your sum insured, for example 2%. If your cover is small, this daily limit is also low.
Strong vs limited coverBig hospital bills
ReAssure 3.0's consumables cover spans all four IRDAI lists; Elevate's doesn't reach room-linked charges (List II), procedure-linked charges (List III), treatment-linked costs (List IV) - those stay on your bill with Elevate.
Each stronger on a different termCancer & serious illness
A real trade-off: Elevate is stronger on survival Period Post-Diagnosis (Days) - 0 days vs 30 days; ReAssure 3.0 on maximum Sum Insured Option (INR) - ₹3 Cr vs ₹50 Lakh. Which wins depends on the risk you'd rather cover.
Only in ReAssureCancer & serious illness
ReAssure 3.0 has this in the base plan; Elevate doesn't cover it at all - that cost stays entirely yours with Elevate.
Material differences - read them before you settle.
Only Elevate offers it (add-on)Planning a baby
Elevate has this as a paid add-on (up to ₹1 Lakh); ReAssure 3.0 doesn't cover it at all - that cost stays entirely yours with ReAssure.
Only Elevate offers it (add-on)When does my cover switch on?
Elevate has this as a paid add-on; ReAssure 3.0 doesn't cover it at all - that cost stays entirely yours with ReAssure.
Only Elevate offers it (add-on)Planning a baby
Elevate has this as a paid add-on (up to ₹2 Lakh a year); ReAssure 3.0 doesn't cover it at all - that cost stays entirely yours with ReAssure.
Built into ReAssure · add-on in ElevateBig hospital bills
ReAssure 3.0 builds this in; with Elevate it's a paid add-on - skip the rider and you don't have it.
Built into ReAssure · add-on in ElevateBig hospital bills
ReAssure 3.0 builds this in; with Elevate it's a paid add-on - skip the rider and you don't have it.
Only in ElevateCancer & serious illness
Elevate has this in the base plan; ReAssure 3.0 doesn't cover it at all - that cost stays entirely yours with ReAssure.
Only Elevate offers it (add-on)Planning a baby
Elevate has this as a paid add-on (up to ₹1 Lakh a year); ReAssure 3.0 doesn't cover it at all - that cost stays entirely yours with ReAssure.
Paperwork-level gaps - open any of them to verify yourself.
Differs on Common Diseases Excluded from Domiciliary
Differs on Companion stay
Insurer-written exclusion clauses beyond the standard set, present in one policy and not the other. On the other side, absence means it is not listed as excluded - check with the insurer, don't assume covered.
Some policies set a second, longer initial waiting period for hypertension, diabetes and cardiac conditions, on top of the usual 30-day wait that applies to every illness. If one of those three conditions is treated before the longer period ends, the insurer does not pay, and you pay the hospital bill from your own pocket. The wait is counted from the first policy start date. Where a policy re-applies the wait to a later increase in Sum Insured, its own wording says so.
Something can be written out of your cover for good, named on your own Policy Schedule when the policy is underwritten. Policies differ in how far that reaches: some can exclude only a disease that is declared and agreed to be excluded at the start, others any illness, injury, treatment or service the schedule names. The printed policy document does not list it, so read your schedule as soon as the policy is issued and ask the insurer to explain anything you do not recognise. Where a policy sets an end date for such an exclusion, or requires your written agreement to it, its own wording says so.
Consumables and convenience items on the regulator's non-medical lists - gloves, admission kits, toiletries and similar - are struck off the hospital bill, and that part stays with you unless the policy writes them back into cover. On a long stay these small lines add up to real money.
Health insurance normally pays only when you are admitted to a hospital. Treatment taken as an out-patient - a doctor's consultation, medicines bought on a prescription, a test or a scan taken without being admitted - is excluded unless the policy grants an out-patient benefit of its own. If the policy grants no such benefit, you pay every out-patient bill from your own pocket.
Glasses, contact lenses and hearing aids are not paid for: they count as external aids rather than as treatment. Each policy groups them with the other corrective aids its own clause names, and some clauses reach further, as far as devices such as cochlear implants. Where a policy writes a way in, a device needed because of an illness or injury, one fitted during an operation, or an implant made necessary by an accident, its own clause says so.
Systems of medicine a policy does not recognise are not paid for. Where the policy grants an AYUSH benefit, that benefit covers Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy, and it overrides this clause as far as it reaches. Therapies outside those six - acupressure, acupuncture, magnetic therapy, reflexology, chiropractic - stay excluded, and each policy names its own.
The costs that sit around an organ donation, both finding and screening a possible donor and the expenses the insured person runs up in donating, are not paid as ordinary treatment. A donor’s own treatment is paid only as far as a policy’s organ-donor benefit reaches, and whatever that benefit leaves out stays with you. The clause quoted for each policy tells you which of these costs its own wording removes.
Sexually transmitted infections are excluded by name - for example genital warts, syphilis, gonorrhoea, genital herpes, chlamydia, pubic lice and trichomoniasis. Some policies write HIV/AIDS out of this exclusion and keep it covered; the clause quoted for each policy tells you which.
The insurer can put a named condition on a wait of up to 48 months for one specific person - a year longer than the pre-existing wait, and none of the three waiting-period add-ons shortens it. It is set when you buy, and it is printed on your own schedule.
The insurer can refuse an admission it judges was not medically needed - and, where the policy's own wording says so, any charge it judges above the going rate. It is the widest discretion in a policy and it applies to every claim, so keep the treating doctor's reasons on the file.
If your doctor prescribes a drug for something it was not formally approved to treat, the policy will not pay - even though off-label prescribing is routine, particularly in cancer care.
Acts of terrorism are excluded. Many Indian health policies pay for terrorism-related injuries, so an exclusion that removes that cover is worth noticing. Where the wording reaches indirect causes too, the clause itself says so.
Once a vegetative state or brain death is confirmed and treatment will not bring recovery, life support stops being paid. Families meet this clause at the worst possible moment, so it is worth knowing before you need it.
On the Classic and Select variants only a mono-focal lens is paid for. If you want a multifocal lens you pay the difference, and this restriction sits in the benefit clause rather than the exclusions list.
Read the same whichever you pick - the floor you're safe on either way. Open any line to check the values yourself.
Differs on Cover amount
Differs on If you exceed the room limit
Differs on Diagnosis Location
Differs on Treatment Type Covered
Differs on Check-up List Is
Differs on Deductible Applies to Claims From
Absent from both - a fact, not a feature. They can't decide anything between these two.
Birth defects visible on the outside of the body are not paid for. The clause reaches only external conditions - internal birth defects are not excluded by it. Some policies apply a waiting period to an internal birth defect instead, so it is paid only after that period ends. The conditions quoted for each policy say whether that applies.
Ordinary dental work - check-ups, fillings, root canals, dentures - is usually not paid for. Serious dental treatment is paid only where the policy writes an exception of its own, so the exact trigger - an accident, a hospital admission, a named illness - sits in each policy's clause.
A device you can put on and take off yourself, without a surgery to fit it, counts as equipment rather than as treatment, and is not paid for. Each policy draws the line in its own words: some list the items, such as wheelchairs, walkers, crutches, glucometers, oxygen concentrators and machines for sleep apnoea, and others set a test, such as whether the device can be removed without surgery. Where a policy writes a way in, either inside the clause or through an add-on that names the items it will pay for, its own wording says so.
The regulator standardised both the wording and the codes of these clauses, so they read the same in every policy sold in India - they can’t tell one plan from another.
Aesthetic procedures, weight-loss surgery or hair transplants - unless medically required after an accident.
Treatment arising from intentional self-harm or reckless exposure to extreme risk.
Unlicensed skydiving, bungee jumping, deep-sea diving or professional motorsport.
Injury from active participation in war, military operations, nuclear radiation or terrorism.
Standard waits (often 12–24 months) before pregnancy, childbirth and neonatal care are payable.
Therapy for drug abuse, alcoholism, smoking cessation and long-term psychiatric care beyond stabilisation.
Both plans make you wait before covering certain conditions, but they don't name the same ones. Select a body region or view the entire body to see which conditions each plan lists. A condition missing from a plan's list isn't a promise of cover - it simply isn't named there.
Abnormal menstrual bleeding
Lower Abdomen & Pelvis · Female
Very heavy or unusual bleeding during periods.
Tailbone cyst
Rectal & Anal Area
A painful lump or infection at the very bottom of the back.
Belly button issues
Lower Abdomen & Pelvis
Lumps, fluid, or abnormal tunnels forming near the belly button.
Skin diseases
Skin & Body Surface
General problems and safe lumps affecting the skin.
Long-term kidney failure
Lower Abdomen & Pelvis
The kidneys slowly lose their power to clean the blood; the late stage needs dialysis or a transplant.
A real trade, not a tie.
We surface; you decide. Below: where every concern lands, and how each side's record reads. Open a concern to bring the ledger down to just its features.
Your priorityTake the 2-minute assessment - we'll read this board against what matters to you.