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Insurance Plans Comparison

Digit Arogya Sanjeevani vs ICICI Lombard Health Shield 360 Retail

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Digit

Arogya Sanjeevani

Cover hospitalisation with a 5% co-pay on every admissible claim, cap room rent at 2% of the sum insured up to ₹5,000 a day, and add a 5% cumulative bonus each claim-free year up to 50%.

What Makes It Special:

Arogya Sanjeevani is a Niva Bupa standard health plan with a sum insured of ₹1 lakh to ₹5 lakh, AYUSH and modern treatment cover, and a 15-day free-look period. It excludes maternity and carries a 5% co-payment on each claim. It provides in-patient hospitalisation cover on an individual or family...

Best For:

  • Buyers who want AYUSH and modern treatment cover

  • Buyers who do not need maternity or OPD cover

  • Families who want a floater with parents and children under one policy

  • Buyers who want basic in-patient cover at an affordable premium

  • First-time health insurance buyers

VS
ICICI Lombard

Health Shield 360 Retail

Reset up to 100% of the sum insured once for the same illness and unlimited times for a different illness, and add a 20% cumulative bonus each claim-free year, up to 100% of the sum insured.

What Makes It Special:

Health Shield 360 Retail provides cover for eligible in-patient hospitalisation, day-care procedures, specified modern treatments, pre- and post-hospitalisation expenses, and in-patient AYUSH treatment. Its Reset Benefit can replenish cover within defined limits, while the Guaranteed Cumulative Bonus may increase the available cover after claim-free policy years. Wellness services and optional...

Best For:

  • Buyers interested in wellness services and optional benefits, provided the required cover is selected and recorded in the policy schedule.

  • People looking for a cumulative bonus that can increase available cover after claim-free years.

  • Buyers who value a reset benefit for eligible future hospitalisation claims.

  • Families considering a family-floater option, where eligible family members can be covered under one policy.

  • Individuals seeking health insurance for eligible hospitalisation and day-care treatment expenses.

Insurance Plans Comparison

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Quick Decision Guide

  • Call 1860-500-8888 to confirm room rent limits and the current network before buying.

  • Confirm the waiting periods and any cataract sublimit on your policy schedule before buying.

  • The sum insured is capped at ₹5 lakh, so check whether it covers your expected treatment costs.

  • A 5% co-payment applies to each claim, so factor that into your out-of-pocket costs.

  • Maternity is excluded, so choose another plan if you need it.

  • Compare optional benefits and their additional premiums against your needs, because an optional cover applies only when it has been selected and recorded in the policy documents.

  • Understand the Reset Benefit conditions, including the restriction on using it for the first claim and the rules for repeated claims relating to the same illness or injury.

  • Confirm the room eligibility, applicable co-payment, deductible and any disease or procedure sublimits in your Policy Schedule.

  • Review the waiting periods for pre-existing diseases and specified illnesses before relying on the policy for planned treatment.

  • Check the selected Sum Insured and whether an individual or family-floater policy suits the people you want to insure.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Arogya Sanjeevani
Arogya Sanjeevani

Health Insurance Plan

VS
Health Shield 360 Retail
Health Shield 360 Retail

Health Insurance Plan

Room Rent

Arogya Sanjeevani

  1. Normal:  Covered up to 2% of the sum insured, with a maximum limit of ₹5,000 per day.

     

  2. ICU: Covered up to 5% of the sum insured, with a maximum limit of ₹10,000 per day​.
VS

Health Shield 360 Retail

Covered up to Annual Sum Insured as per plan opted

Covered up to Annual Sum Insured

Advanced Treatments

Arogya Sanjeevani

  1. Uterine Artery Embolization and HIFU (High intensity focused ultrasound) 
  2. Balloon Sinuplasty
  3. Deep Brain stimulation 
  4. Oral chemotherapy 
  5. Immunotherapy - Monoclonal Antibody to be given as injection 
  6. Intra vitreal injections 
  7. Robotic surgeries 
  8. Stereotactic radio surgeries 
  9. Bronchical Thermoplasty
  10. Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
  11. IONM - (Intra Operative Neuro Monitoring) 
  12. Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered up to 50% of sum insured.
VS

Health Shield 360 Retail

Uterine Artery Embolization (UAE) and HIFU

Immunotherapy (Monoclonal Antibody Injection)

Green Laser/Holmium Laser Treatment for Prostate

Stem Cell Therapy for Hematological Conditions

Balloon Sinuplasty

Oral Chemotherapy

Robotic Surgeries

Stereotactic Radio Surgery

Deep Brain Stimulation

Intra Vitreal Injections

Bronchial Thermoplasty

Intra Operative Neuro Monitoring (IONM)

ICU Charges

Arogya Sanjeevani

Covered as part of in-patient hospitalisation, up to the sum insured. Confirm any room or ICU limit on the policy schedule, or with 1860-500-8888.

VS

Health Shield 360 Retail

Eligible ICU expenses are covered under in-patient treatment, within the applicable Annual Sum Insured and policy conditions.

Co-payment

Arogya Sanjeevani

5% co-payment is applicable to all claims, meaning the policyholder must bear 5% of the admissible claim amount​.

VS

Health Shield 360 Retail

Not mentioned

Disease-wise sublimits

Arogya Sanjeevani

A cataract sublimit may apply. The standard product in other insurers’ versions caps cataract at 25% of the sum insured or ₹40,000, whichever is lower. Confirm Niva Bupa’s sublimits on the policy schedule, or with 1860-500-8888.

VS

Health Shield 360 Retail

Any applicable sublimits for specified illnesses, procedures or benefits are governed by the Policy Schedule and selected plan.

Cashless Healthcare Providers

Arogya Sanjeevani

Access to over 16,400 cashless network hospitals across India. 

VS

Health Shield 360 Retail

Available through network hospitals and healthcare providers

Restoration Benefit

Arogya Sanjeevani

Kindly refer to the policy wording.

VS

Health Shield 360 Retail

Information Unavailable

Daycare Treatment

Arogya Sanjeevani

Covers medical procedures requiring hospitalization for less than 24 hours, such as cataract surgery, chemotherapy, and dialysis, when conducted in a recognized hospital​.

VS

Health Shield 360 Retail

Covered up to Annual Sum Insured

Cumulative Bonus

Arogya Sanjeevani

Kindly refer to the policy wording.

VS

Health Shield 360 Retail

Guaranteed Cumulative Bonus can increase by 20% of the applicable Annual Sum Insured for each claim-free policy year, up to 100%.

AYUSH Treatment

Arogya Sanjeevani

Covers Ayurveda, Yoga, Unani, Siddha, and Homeopathy (AYUSH) inpatient treatments up to the sum insured, provided the treatment is taken at an AYUSH-recognized hospital​.

VS

Health Shield 360 Retail

Covered up to Annual Sum Insured

Consumable Cover

Arogya Sanjeevani

Kindly refer to the policy wording. Confirm with Niva Bupa on 1860-500-8888.

VS

Health Shield 360 Retail

Eligible consumables are covered as part of hospitalisation expenses, except items listed as excluded non-medical expenses.

Initial Waiting Period

Arogya Sanjeevani

30 days from inception, except for accidents

VS

Health Shield 360 Retail

A 30-day waiting period applies to illnesses, subject to the policy wording and applicable exceptions. Accidental injuries are treated according to the policy’s terms.

Specific Waiting Period

Arogya Sanjeevani

Kindly refer to the policy wording.

VS

Health Shield 360 Retail

Listed diseases and procedures may be subject to specific waiting periods. The applicable period and exclusions should be checked against the policy schedule and wording.

PED Waiting Period

Arogya Sanjeevani

Up to 48 months under the IRDAI standard. Confirm on the policy schedule, or with 1860-500-8888.

VS

Health Shield 360 Retail

Pre-existing diseases are subject to the applicable waiting period and acceptance terms stated in the policy documents.

Modern Treatment

Arogya Sanjeevani

Covered up to 50% of the sum insured, including robotic surgery and oral chemotherapy (BankBazaar). Confirm the limit on the policy schedule.

VS

Health Shield 360 Retail

Covers specified modern treatments and procedures, including eligible robotic surgeries, oral chemotherapy and other listed treatments, subject to policy terms.

Annual Health Checkup

Arogya Sanjeevani

Kindly refer to the policy wording. Confirm with Niva Bupa on 1860-500-8888.

VS

Health Shield 360 Retail

Annual check-up benefits are available under the applicable cover and plan terms. Eligibility and limits depend on the selected option.

Pre-Hospitalisation

Arogya Sanjeevani

Up to 30 days before admission under the IRDAI standard product. Confirm on the policy schedule, or with 1860-500-8888.

VS

Health Shield 360 Retail

Eligible medical expenses incurred before hospitalisation are covered for the period and within the limits specified in the Policy Schedule, subject to the related hospitalisation claim being admissible.

Post-Hospitalisation

Arogya Sanjeevani

Up to 60 days after discharge under the IRDAI standard product. Confirm on the policy schedule, or with 1860-500-8888.

VS

Health Shield 360 Retail

Eligible post-hospitalisation medical expenses are covered for the period and limits specified in the Policy Schedule, subject to acceptance of the related hospitalisation claim.

Outpatient Department Cover (OPD Expense)

Arogya Sanjeevani

Not covered (not listed in the standard product’s benefits)

VS

Health Shield 360 Retail

Out-patient consultations and other OPD services may be available under the applicable optional cover, subject to its limits and conditions.

Deductible Option

Arogya Sanjeevani

kindly refer to the policy wording.

VS

Health Shield 360 Retail

A deductible, where applicable to the selected cover, is governed by the Policy Schedule and the terms of that cover.

Coverage Options

Arogya Sanjeevani

Individual or family floater, within the ₹1 lakh to ₹5 lakh sum insured range

VS

Health Shield 360 Retail

The policy may be issued on an individual or family-floater basis, as recorded in the Policy Schedule.

Claim Settlement Ratio

Arogya Sanjeevani

Claim Settlement Ratio (CSR) of 93.3% as a three-year IRDAI weighted average, and 95.6% in recent quarterly company disclosures (Q1 FY 2026-27).

VS

Health Shield 360 Retail

FY 24-25: ~84%

Maternity Cover

Arogya Sanjeevani

Not covered. Maternity expenses are excluded.

VS

Health Shield 360 Retail

Maternity-related expenses are covered only where the applicable cover is selected and recorded in the Policy Schedule, subject to its waiting period, limits and conditions.

Insurance Plans Comparison

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