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ReAssure 3.0 is stronger on guaranteed extra cover (and 7 more); Super Star takes room rent (and 6 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 3 Sept 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 standard coverBig hospital bills
Super Star pays for any room. ReAssure 3.0 covers up to a single Private Room - take a costlier room and a flat co-pay is taken off the entire bill, not just the room.
Only in ReAssureCancer & serious illness
ReAssure 3.0's refills can stretch a single bill past the base ₹10 Lakh; with Super Star, one bill stops at the cover you bought.
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 coverWorth it if I never claim?
Unclaimed years grow the cover by ₹10 Lakh a year with ReAssure 3.0 (100%) vs ₹5 Lakh with Super Star (50%), stacking up to ₹1 Cr vs ₹10 Lakh.
Strong vs limited coverBig hospital bills
ReAssure 3.0's consumables cover spans all four IRDAI lists; Super Star'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 Super.
Only ReAssure offers it (add-on)Cancer & serious illness
ReAssure 3.0 can add a lump-sum critical-illness payout (20 illnesses, up to ₹3 Cr); Super Star has no such option - that protection would need a separate policy.
Only in ReAssureEveryday medical costs
ReAssure 3.0 has this in the base plan; Super Star doesn't cover it at all - that cost stays entirely yours with Super.
Material differences - read them before you settle.
Standard vs limited coverEveryday medical costs
ReAssure 3.0's OPD cover also pays for doctor visits, medicines and specialist visits; with Super Star those stay out-of-pocket even in a covered year.
Only Super offers it (add-on)When does my cover switch on?
Super Star has this as a paid add-on; ReAssure 3.0 doesn't cover it at all - that cost stays entirely yours with ReAssure.
Only Super offers it (add-on)Planning a baby
Super Star has this as a paid add-on (up to ₹1 Lakh per claim); ReAssure 3.0 doesn't cover it at all - that cost stays entirely yours with ReAssure.
Only Super offers it (add-on)Planning a baby
Super Star 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.
Each stronger on a different termBig hospital bills
A real trade-off: ReAssure 3.0 is stronger on covered Events - Accidental Death, Permanent Total Disablement, Permanent Partial Disablement vs Accidental Death, Permanent Total Disablement; Super Star on maximum Sum Insured Cap (INR) - ₹2 Cr vs ₹50 Lakh. Which wins depends on the risk you'd rather cover.
Only Super offers it (add-on)Planning a baby
Super Star 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.
Only ReAssure offers it (add-on)Cancer & serious illness
ReAssure 3.0 has this as a paid add-on; Super Star doesn't cover it at all - that cost stays entirely yours with Super.
Only in SuperBig hospital bills
Super Star has this in the base plan; ReAssure 3.0 doesn't cover it at all - that cost stays entirely yours with ReAssure.
Only ReAssure offers it (add-on)Cancer & serious illness
ReAssure 3.0 has this as a paid add-on; Super Star doesn't cover it at all - that cost stays entirely yours with Super.
Paperwork-level gaps - open any of them to verify yourself.
Differs on Donor Complication Coverage Available
Differs on How Many Times Per Year Per Person
Differs on Common Diseases Excluded from Domiciliary
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.
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.
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.
An admission for recovery rather than active treatment is not paid. Each policy extends the clause in its own direction: some add general weakness, a run-down condition or a nutritional deficiency, others add sanatorium stays, private duty nursing and long-term or custodial care. The clause quoted for each policy tells you which. It costs the most when an elderly patient is kept in hospital after the acute treatment has finished.
A set of advanced procedures is excluded by exact name - high-technology treatments the policy will not pay for even though hospitals offer them. Before you agree to a procedure with a brand-style name, check that name against the policy's own list.
If the treatment could reasonably have been given without admitting you, the claim is refused - even though you were admitted. This is one of the most common reasons a hospital bill goes unpaid.
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.
Some expenses a policy will not pay are listed on the insurer's website rather than in the policy document you receive. When your hospital bill is settled, those items are removed from the claim as well. Ask the insurer for that list before you are admitted, so you know which costs you will pay from your own pocket.
Expensive drug infusions, biologics most of all, are handled separately from ordinary hospital treatment. Some policies pay for them only when you are admitted, and refuse the same drug given in an outpatient infusion chair. Others refuse the admission that was arranged so that the infusion could be given, and a clause may name other costly infusions alongside, such as immunoglobulin or bone-strengthening drugs. Either way a large cost, often a repeated one, stays with you. The clause quoted for each policy tells you which way its own wording runs.
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.
Injections given into a joint, and the platelet-rich plasma and cartilage treatments offered for knee and joint pain, are excluded. Some clauses bar the treatment itself. Others bar only the admission that was arranged so that the injection could be given, and some reach wider, to an injection into a lesion or to the medicines infused alongside it. The clause quoted for each policy tells you which, and names the injections it means.
Read the same whichever you pick - the floor you're safe on either way. Open any line to check the values yourself.
Differs on Specific Treatments Explicitly Covered at Home
Differs on OPD Dental Covered
Differs on Available Via
Differs on Illnesses eligible for refill
Differs on Deductible Applies to Claims From
Absent from both - a fact, not a feature. They can't decide anything between these two.
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.
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.
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.
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.
Anal boil or infection
Rectal & Anal Area
A painful, pus-filled boil located near the anus.
Acid reflux and stomach ulcers
Upper Abdomen
Acid damage causing burning or sores in the food pipe, stomach, or the first part of the intestine.
Pelvic infection
Lower Abdomen & Pelvis · Female
An infection in the female reproductive organs.
Thyroid problem
Neck & Thyroid
Issues with the neck gland that controls body energy and weight.
Abnormal menstrual bleeding
Lower Abdomen & Pelvis · Female
Very heavy or unusual bleeding during periods.
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.