Insurance Plans Comparison
Niva Bupa Health Assurance vs ICICI Lombard Criti Shield Plus
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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Health Assurance
Choose a listed critical-illness lump sum, accident cover and daily hospital cash as fixed benefits you can combine, with hospital cash paid for each day in hospital up to 45 days a year.
What Makes It Special:
Health Assurance is a Niva Bupa family plan made up of three separate covers. CritiCare pays a lump sum for listed critical illnesses. HospiCash pays a fixed daily cash amount during hospitalisation. AccidentCare pays for accidental death, permanent disability and temporary disability.
Best For:
Buyers who want lifelong renewal on all three covers
Parents who want child education benefits paid on an accidental death or permanent disability of the proposer
Working adults who want accident death, disability and income-loss cover
Buyers who want daily cash to cover incidental costs during a hospital stay
Families who want a lump sum if a listed critical illness is diagnosed
VS
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 focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.
Best For:
- Not available
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
The sum insured for AccidentCare and TTD is linked to annual income, so check the limits against your income.
Only 2 adults can be covered under a CritiCare family option, so check this before buying for a larger family.
AccidentCare has no waiting period, but it is available only to Risk Class 1 and 2 occupations, with a 50% loading for Risk Class 2.
HospiCash pays a fixed daily amount for up to 45 days a year, so it does not reimburse hospital bills.
CritiCare does not start for 90 days, and a 36-month PED wait applies, so buy early if you have a condition.
Not available
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Health Assurance Health Insurance Plan VS VS |
Criti Shield Plus Health Insurance Plan |
| Room Rent |
|---|
Health Assurance Normal: Covered up to Sum Insured ICU: Covered up to Sum Insured |
VS VS |
Criti Shield Plus Normal: Not Applicable ICU: Not Applicable |
| Advanced Treatments |
|---|
Health Assurance Modern Treatments covered up to Sum Insured |
VS VS |
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 |
| ICU Charges |
|---|
Health Assurance Under HospiCash, the ICU cash benefit is double the daily cash benefit for ICU stays, up to 7 days a year. |
VS VS |
Criti Shield Plus Information Unavailable |
| Co-payment |
|---|
Health Assurance Optional co-payment available |
VS VS |
Criti Shield Plus Not Applicable |
| Waiting Period |
|---|
Health Assurance Information Unavailable |
VS VS |
Criti Shield Plus Initial Waiting Period: 90 Days Pre-existing Disease Waiting Period: Pre-existing diseases are excluded |
| Cashless Healthcare Providers |
|---|
Health Assurance 10,000+ Network Hospitals |
VS VS |
Criti Shield Plus Not Applicable |
| Daycare Treatment |
|---|
Health Assurance Covered |
VS VS |
Criti Shield Plus Not Applicable |
| Cumulative Bonus |
|---|
Health Assurance AccidentCare renewal benefit: the sum insured rises by 5% for each claim-free year, up to a total of 25%. Applies to all AccidentCare benefits except TTD and accident hospitalisation. |
VS VS |
Criti Shield Plus Information Unavailable |
| AYUSH Treatment |
|---|
Health Assurance Covered up to Sum Insured |
VS VS |
Criti Shield Plus Not Mentioned |
| Consumable Cover |
|---|
Health Assurance Please refer to the policy wording. |
VS VS |
Criti Shield Plus Information Unavailable |
| Initial Waiting Period |
|---|
Health Assurance CritiCare: 90 days. HospiCash: 30 days, except accidents. AccidentCare: none. |
VS VS |
Criti Shield Plus Information Unavailable |
| Specific Waiting Period |
|---|
Health Assurance HospiCash only: 24 months for 17 listed conditions and procedures |
VS VS |
Criti Shield Plus Information Unavailable |
| PED Waiting Period |
|---|
Health Assurance 36 months for CritiCare and HospiCash |
VS VS |
Criti Shield Plus Information Unavailable |
| Modern Treatment |
|---|
Health Assurance Not covered as a separate benefit. AccidentCare Hospitalisation covers surgery, room rent and related costs for accidental injury up to 2% of the AccidentCare sum insured. |
VS VS |
Criti Shield Plus Information Unavailable |
| Annual Health Checkup |
|---|
Health Assurance Kindly refer to the policy wording. |
VS VS |
Criti Shield Plus Information Unavailable |
| Post-Hospitalisation |
|---|
Health Assurance Kindly refer to policy wording. |
VS VS |
Criti Shield Plus Information Unavailable |
| Outpatient Department Cover (OPD Expense) |
|---|
Health Assurance Not covered. |
VS VS |
Criti Shield Plus Information Unavailable |
| Deductible Option |
|---|
Health Assurance Kindly refer to the policy wording. |
VS VS |
Criti Shield Plus Information Unavailable |
| Coverage Options |
|---|
Health Assurance AccidentCare (individual or family, with optional TTD and accident hospitalisation), CritiCare (individual or family floater, Option 1 lump sum or Option 2 lump sum with staggered payout), HospiCash (individual or family, daily cash). |
VS VS |
Criti Shield Plus Information Unavailable |
| Claim Settlement Ratio |
|---|
Health Assurance 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 VS |
Criti Shield Plus Information Unavailable |
Insurance Plans Comparison
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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
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Every suggestion is backed by expert analysis of your life stage, goals, and budget
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Insurance Plans Comparison
Explore Insurance Category
Senior Citizen Health Plan
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
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
Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs
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Frequently Asked Questions (FAQs)
Having questions? We've got answers. Explore our FAQs to find the information you need.
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