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Insurance Plans Comparison

ICICI Lombard Criti Shield Plus vs Niva Bupa Health Companion Variant 2

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

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ICICI Lombard

Criti Shield Plus

Pay a lump sum for 92 major and minor critical illnesses in five groups, with the full sum insured for a major illness and 25% for a minor one, and make another claim from a different group.

What Makes It Special:

Criti Shield Plus is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.

Best For:

  • Not available
VS
Niva Bupa

Health Companion Variant 2

Add 20% of the base sum insured each claim-free year up to 100%, refill the base sum insured once for a different illness, and get animal-bite vaccination up to ₹5,000 with an annual health check-up.

What Makes It Special:

Health Companion Variant 2 is a Niva Bupa floater covering hospitalisation, day care, AYUSH and domiciliary treatment, with a refill benefit, no-claim bonus and 2- or 3-year term discounts. Variant-specific terms are not separated in the prospectus.

Best For:

  • Buyers who do not need maternity or OPD cover

  • Buyers who need hospitalisation, day care and AYUSH cover

  • Buyers who plan to pay for two or three years to get term discounts

  • Buyers who want a no-claim bonus that builds to 100%

  • Families who want a floater with a refill benefit

Insurance Plans Comparison

Get Personalized Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Quick Decision Guide

ICICI Lombard Criti Shield Plus

Not available

Niva Bupa Health Companion Variant 2

  • The refill applies only once a policy year.

  • The 20% co-payment for higher room categories applies on Variant 2023.

  • Maternity is not covered, so plan separately if needed.

  • Term discounts do not apply if premium is paid monthly, half-yearly or quarterly.

  • The 36-month PED wait applies, so buy early if you have an existing condition.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Criti Shield Plus
Criti Shield Plus

Health Insurance Plan

Brochure

Policy Wording

VS
Health Companion Variant 2
Health Companion Variant 2

Health Insurance Plan

Brochure

Room Rent

Criti Shield Plus

Normal: Not Applicable

ICU: Not Applicable

VS

Health Companion Variant 2

  1. Normal Room: No limit (any single private room covered)
  2. ICU Charges: Fully covered (as per actual hospitalization expenses)
Advanced Treatments

Criti Shield Plus

Bone Marrow Transplant

Major Organ Transplant

Open Chest CABG

Open Heart Valve Replacement/Repair

Surgery of Aorta

Angioplasty

Balloon Valvotomy / Valvuloplasty

Cardiac Defibrillator Insertion

Carotid Artery Surgery

Small Bowel Transplant

VS

Health Companion Variant 2

  1. Robotic Surgery Therapy
  2. Bariatric Surgery 
  3. Oral Chemotherapy 
  4. Proton Beam Therapy 
  5. Deep Brain Stimulation 
  6. Implantable Devices 
ICU Charges

Criti Shield Plus

Information Unavailable

VS

Health Companion Variant 2

Covered up to the sum insured as part of in-patient care

Co-payment

Criti Shield Plus

Not Applicable

VS

Health Companion Variant 2

No mandatory co-payment for most policyholders. However, for individuals aged 65 years and above at the time of entry, a co-payment of 20% applies to each claim.

Disease-wise sublimits

Criti Shield Plus

Information Unavailable

VS

Health Companion Variant 2

No disease sublimit schedule in the prospectus

Waiting Period

Criti Shield Plus

Initial Waiting Period: 90 Days

Pre-existing Disease Waiting Period: Pre-existing diseases are excluded

VS

Health Companion Variant 2

Information Unavailable

Cashless Healthcare Providers

Criti Shield Plus

Not Applicable

VS

Health Companion Variant 2

10,000+ network hospitals.

Daycare Treatment

Criti Shield Plus

Not Applicable

VS

Health Companion Variant 2

Covered under the policy. 

Cumulative Bonus

Criti Shield Plus

Information Unavailable

VS

Health Companion Variant 2

20% of the expiring base sum insured per claim-free year, up to 100%

AYUSH Treatment

Criti Shield Plus

Not Mentioned

VS

Health Companion Variant 2

Covered under this policy

Consumable Cover

Criti Shield Plus

Information Unavailable

VS

Health Companion Variant 2

Prescribed medicines and consumables during treatment are covered. Annexure II items are not.

Initial Waiting Period

Criti Shield Plus

Information Unavailable

VS

Health Companion Variant 2

30 days, except accidents

Specific Waiting Period

Criti Shield Plus

Information Unavailable

VS

Health Companion Variant 2

24 months for listed conditions

PED Waiting Period

Criti Shield Plus

Information Unavailable

VS

Health Companion Variant 2

36 months

Modern Treatment

Criti Shield Plus

Information Unavailable

VS

Health Companion Variant 2

Covered up to the sum insured

Annual Health Checkup

Criti Shield Plus

Information Unavailable

VS

Health Companion Variant 2

Annual from day one, for defined tests. Up to ₹500 per ₹1 lakh of base sum insured. Cashless only.

Pre-Hospitalisation

Criti Shield Plus

Information Unavailable

VS

Health Companion Variant 2

60 days before admission

Post-Hospitalisation

Criti Shield Plus

Information Unavailable

VS

Health Companion Variant 2

180 days after discharge

Outpatient Department Cover (OPD Expense)

Criti Shield Plus

Information Unavailable

VS

Health Companion Variant 2

Not covered

Deductible Option

Criti Shield Plus

Information Unavailable

VS

Health Companion Variant 2

Annual aggregate deductible from ₹10,000 to ₹10 lakh

Coverage Options

Criti Shield Plus

Information Unavailable

VS

Health Companion Variant 2

Individual or floater, with optional hospital cash, personal accident and deductible

Claim Settlement Ratio

Criti Shield Plus

Information Unavailable

VS

Health Companion Variant 2

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).

Maternity Cover

Criti Shield Plus

Information Unavailable

VS

Health Companion Variant 2

Not covered

Insurance Plans Comparison

Still Confused? Get Expert Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Why Choose Our Expert Consultation?

End-to-End Support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

Expert-Led Policy Review

  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

Smart, Tech-Enabled Experience

  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

Having questions? We've got answers. Explore our FAQs to find the information you need.

1-5 of 10 FAQs

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