Niva Bupa ReAssure 2.0 Platinum+ vs SBI General Super Health Platinum Infinite
Side by side on the figures that decide a claim — and which one we would actually pick.
We score Niva Bupa ReAssure 2.0 Platinum+ higher at 4.3/5 against 4.1/5, winning 4 of the 9 comparable measures. ReAssure 2.0 Platinum+ is the cheaper of the two on the illustrated profiles.
Side by side
| Measure | Niva Bupa ReAssure 2.0 Platinum+ | SBI General Super Health Platinum Infinite |
|---|---|---|
| Myinsurancebro Score | 4.3 / 5 | 4.1 / 5 |
| Claim settlement ratio 3-year average | 92.92% | 95.94% |
| Complaints per 10,000 claims Lower is better | 37.13 | 14.04 |
| Cashless hospitals | 10000 | 18000 |
| Annual health premium | ₹6,985.24 Cr | ₹4,974.56 Cr |
| Sum insured available | Up to ₹1 Cr | ₹50 L – ₹2 Cr |
| Restoration of cover | ReAssure+ — unlimited, every claim up to full cover | Unlimited from the 1st claim, up to 200% of cover per claim |
| No-claim bonus | Booster+ — unused cover carried forward up to 5× | Health Multiplier — up to 3× cover for 37 serious illnesses |
| Pre-existing disease wait | 3 years | 2 years |
| Specific illness wait | 2 years | 1 year |
| Maternity cover | Not covered | Covered on Platinum Infinite — waiting period 48 months (single adult) / 24 months (other family combinations), cover up to ₹2 Lac |
| Room rent limit | No limit — any room category | No limit — any room category |
| Consumables covered | Safeguard / Safeguard+ add-on | Built into the base plan |
| Premium — couple, 31 & 32 | ₹19,176 | ₹61,568 |
| Premium — seniors, 62 & 63 | ₹68,239 | ₹1,13,250 |
ReAssure 2.0 Platinum+
On paper this is the cleverest product here. The age-lock, Booster+ and unlimited restoration together form a design nobody else has matched. The problem is the gap between design and delivery: a 92.92% settlement ratio and 37 complaints per 10,000 claims are the weakest insurer metrics of the five. We recommend it to buyers in their twenties and thirties who will hold it for a long time without claiming, because that is exactly the scenario the age-lock and Booster+ are built for. If you expect to claim early or often, take HDFC ERGO instead.
Against it
- 92.92% settlement ratio — the lowest of the five
- 37.13 complaints per 10,000 claims, four times HDFC ERGO
- The age-lock resets once you claim, so the benefit is finite
- A ~10,000 hospital network, the smallest here
- No maternity cover, and a co-payment applies if you join after 60
Super Health Platinum Infinite
The most feature-complete plan on this list and, unavoidably, the most expensive. The two features worth paying for are the 2-year pre-existing disease wait and restoration from the first claim — both directly reduce the odds of a claim being declined in the early years. That combination makes it worth a serious look if you are covering parents with existing conditions, where the third waiting year is a genuine risk. For a healthy 25-year-old it is dramatic overkill; Activ One MAX does the job for a quarter of the price.
Against it
- By far the most expensive — ₹45,944 for a 25-year-old, over four times Activ One MAX
- The ₹50 lakh minimum base cover forces you into a large policy whether you want one or not
- Global cover and the Health Multiplier are restricted to listed conditions only
- Renewal discounts are tied to step counts, which will not suit everyone
- Note that the premiums shown are at ₹50 lakh cover, not the ₹15 lakh used for the others
Which one we would pick
Niva Bupa ReAssure 2.0 Platinum+, on balance — 4.3/5 against 4.1/5. Where ReAssure 2.0 Platinum+ is ahead: myinsurancebro score, annual health premium, premium — couple, 31 & 32, premium — seniors, 62 & 63. Where Super Health Platinum Infinite is ahead: claim settlement ratio, complaints per 10,000 claims, cashless hospitals, pre-existing disease wait, specific illness wait.
A score ranks plans on the evidence available; it cannot know your health history, your dependants or which exclusion will matter to you in ten years. Where the two are close, the deciding factor is usually the text rows above — room rent, waiting periods, exclusions — read against your own circumstances.
Scores are plan features 45%, insurer strength 45%, premium 10% — how we score plans.
Frequently asked questions
Which is better, Niva Bupa ReAssure 2.0 Platinum+ or SBI General Super Health Platinum Infinite?
We score Niva Bupa ReAssure 2.0 Platinum+ higher at 4.3/5 against 4.1/5. On paper this is the cleverest product here. The age-lock, Booster+ and unlimited restoration together form a design nobody else has matched. The problem is the gap between design and delivery: a 92.92% settlement ratio and 37 complaints per 10,000 claims are the weakest insurer metrics of the five. We recommend it to buyers in their twenties and thirties who will hold it for a long time without claiming, because that is exactly the scenario the age-lock and Booster+ are built for. If you expect to claim early or often, take HDFC ERGO instead.
Which of the two settles more claims?
SBI General — 95.94% against 92.92%. Read it beside complaint volume: Niva Bupa draws 37.13 complaints per 10,000 claims and SBI General 14.04 complaints.
Which is cheaper?
Niva Bupa ReAssure 2.0 Platinum+, on the illustrated profiles in the table above. Premiums are illustrations for a stated profile, not quotes — your own depends on age, health, city and underwriting.
Read the full reviews
Disclaimer: Figures shown here are compiled from IRDAI annual reports and public grievance disclosures, and from insurer public disclosures and policy wordings. Claim settlement ratios and complaint volumes are three-year averages for FY 2024–26. Premiums are indicative illustrations for the stated profile, not quotes — your actual premium depends on your age, health, city, habits and underwriting. Scores are Myinsurancebro's own assessment. Always read the official policy document and speak to an advisor before buying. Myinsurancebro is an IRDAI-licensed insurance advisor — we do not manufacture or underwrite any insurance product.