Niva Bupa Health Insurance Senior First Gold Plan vs ICICI Lombard Health Insurance Activate Booster Plan A

The shared Room is covered.

Single Private Room is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category

No restriction on ICU room rent

No restriction on ICU room rent

Including robotic surgeries, stem cell therapy (for specific conditions), and modern procedures like laser treatments and bariatric surgery.

Yes, 50%

Not available

No

No

10000+ Healthcare Providers

10,300+ Healthcare Providers

Not Available.

Not available

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Not Available

Not available

Covers AYUSH treatment expenses up to your annual sum insured during the policy period.

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Not Available

Yes

30 days.

30 days

2 years

2 years

2 years

3 years

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Hospital expenses for listed advanced treatments are covered up to your annual sum insured during the policy period

Not Available

Not available

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

OPD expense is not included

OPD expense is not included as part of base cover. However, you can opt for an add-on to avail this coverage

Available

Available

Available coverage options: ₹5L, ₹10L

Available coverage options: ₹10L, 15L, 20L, 25L, 45L, 50L, 85L, 90L, 95L, 1Cr, 3Cr

90.10%

88.50%

Not Available

Not available