Reassure 2.0 Platinum Plus - Direct vs Women Care Health Insurance Plan
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| PLAN DETAILS |
 Reassure 2.0 Platinum Plus - Direct |
 Women Care |
| Premium Including GST | ||
| Sum Assured | 5, 10, 15, 20, 25, 50 Lacs & 1Cr | 5, 10, 15, 20, 25, 50 Lacs & 1Cr |
| 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 In Utero Fetal Surgery/Repair Ante-Natal Care Assisted Reproduction (ART) Voluntary Sterilization Metabolic Screening Bariatric Surgery Pediatrician Consultations & miscarriage due to Accident; Unlimited Gynecologist Consultation through Star tele health app is available |
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Optional (Through Acute Care rider) | Only available for Female Insured Person Upto Rs. 2500/- |
| 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 10 L) | Rs 10000/-per day |
| 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 | Covered upto 10L |
| 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 upto 10L |
| 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 | Covered up to SI, Add’l 100% SI is available for the Donor in case of Redo Surgery / ICU admission |
|
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 | Not Available |
| Pre-existing Coverage (If the insured is having some existing diseases, that would be covered after particular time period) |
Covers after 3 years | After 2 years |
| 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 10 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 | 100% |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered upto Rs 10 L | Yes |
| 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 | Rs 50000/- |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Available | Rs 250000/- |
| 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 policy year (irrespective of claim) from Rs. 1000-5000/ per insured person |
| Non-allopathic Details (Expenses incurred on non-allopathic treatment) |
yes | yes |
| Vaccination (Cover againts any medical expenses occurred in Vaccinations for certain diseases) |
Yes | 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) |
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 | You pay 0% of claim |
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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.
