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Insurance Plans Comparison

Niva Bupa Aspire Diamond+ vs ICICI Lombard Elevate (Direct)

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

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Niva Bupa

Aspire Diamond+

Comprehensive health insurance with growing coverage, maternity-related benefits and unlimited post-claim restoration.

What Makes It Special:

Niva Bupa Aspire Diamond+ is designed for people seeking comprehensive hospitalisation cover alongside benefits that can build over time. It includes Booster+, which carries forward unused Base Sum Insured subject to entry-age limits, and ReAssure Forever, which provides unlimited additional cover after the first paid eligible claim. The M-iracle benefit...

Best For:

  • Buyers who want the flexibility to add optional OPD, consumables or international treatment benefits.

  • Policyholders who value unlimited additional cover after the first eligible paid claim.

  • People planning for eligible maternity and parenthood-related expenses.

  • Younger buyers who want unused coverage to accumulate through Booster+.

  • Individuals and families looking for comprehensive hospitalisation coverage.

VS
ICICI Lombard

Elevate (Direct)

Get comprehensive health insurance with customisable benefits, flexible sum insured options and a 5% online purchase discount with Elevate Direct.

What Makes It Special:

ICICI Lombard Elevate Direct is the online-purchase variant of the Elevate health insurance plan. It offers the same underlying coverage and customisation options as standard Elevate, including hospitalisation benefits, pre- and post-hospitalisation expenses, restoration features and a range of optional benefits. Customers can customise their protection through available add-ons for...

Best For:

  • Value-conscious customers: People who want the same core Elevate plan benefits while saving through the online purchase discount.

  • Additional benefit seekers: Buyers interested in optional benefits such as worldwide cover, maternity, chronic care or Claim Protector.

  • Higher coverage requirements: Customers considering a range of sum insured options, including high-cover options subject to eligibility.

  • Customisable health protection: Buyers who want to select coverage and add-ons based on their needs.

  • Online insurance buyers: Customers who prefer purchasing and managing their policy digitally and want the 5% online discount.

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

Niva Bupa Aspire Diamond+

  • Compare optional benefits and premiums to decide whether WellConsult, Safeguard+, Borderless or other add-ons suit your needs.

  • Check room eligibility and any room-type modification before purchasing, especially if you prefer a higher-category room.

  • Review the co-payment options carefully, as choosing one affects how much of an admissible claim you pay yourself.

  • Consider the M-iracle benefit if maternity, IVF, adoption or surrogacy coverage is important to you; the brochure lists a 24-month waiting period.

  • Choose Diamond+ if you want higher Booster+ accumulation than Gold+ offers at the same entry-age bands.

ICICI Lombard Elevate (Direct)

  • Purchase online to save: Elevate Direct offers a 5% online purchase discount, while the underlying coverage remains the same as standard Elevate.

  • Compare add-ons: Consider whether options such as Claim Protector, Worldwide Cover, Maternity Benefit or Infinite Care meet your needs and budget.

  • Check zone-based conditions: Review any applicable zone-based co-payment and room eligibility conditions before purchasing.

  • Review waiting periods: Check the 30-day initial waiting period, 24-month specified-disease waiting period and 36-month pre-existing disease waiting period.

  • Choose the right sum insured: Compare the available cover options against your family size, existing insurance and expected healthcare expenses.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Aspire Diamond+
Aspire Diamond+

Health Insurance Plan

Brochure

Policy Wording

VS
Elevate (Direct)
Elevate (Direct)

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Aspire Diamond+

Single private AC room is included as part of base cover. However, you can opt for add-on to upgrade or downgrade the room category

VS

Elevate (Direct)

Room eligibility depends on selected plan; Room Modifier add-on for eligible SI amounts.

ICU Charges

Aspire Diamond+

No restriction on ICU room rent

VS

Elevate (Direct)

Covered as per applicable policy terms and eligible room category.

Co-payment

Aspire Diamond+

Available as an option

VS

Elevate (Direct)

Voluntary co-payment available as optional cover.

Disease-wise sublimits

Aspire Diamond+

No

VS

Elevate (Direct)

Not Available.

Cashless Healthcare Providers

Aspire Diamond+

10,000+ Healthcare Providers

VS

Elevate (Direct)

Network hospitals plus Cashless Everywhere option for any hospital in India.

Restoration Benefit

Aspire Diamond+

Yes, your sum insured restores to 100% unlimited times after your first claim, for both related and unrelated illnesses

VS

Elevate (Direct)

Reset Benefit restores SI for future claims; unlimited resets per year.

Daycare Treatment

Aspire Diamond+

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

VS

Elevate (Direct)

Eligible day-care procedures covered under base plan.

Cumulative Bonus

Aspire Diamond+

Unutilised sum insured can be carried forward up to 10X (entry age 18–35 yrs), 5X (entry age 36–45 yrs), and 3X (entry age 46+ yrs)

VS

Elevate (Direct)

Loyalty Bonus: guaranteed 20% annual SI increase, up to 100% maximum.

AYUSH Treatment

Aspire Diamond+

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

VS

Elevate (Direct)

In-patient AYUSH hospitalisation covered up to applicable SI

Consumable Cover

Aspire Diamond+

Yes

VS

Elevate (Direct)

Covered under Claim Protector add-on for specified items (gloves, syringes, masks)

Initial Waiting Period

Aspire Diamond+

30 days

VS

Elevate (Direct)

30 days from policy start for specified illnesses.

Specific Waiting Period

Aspire Diamond+

2 years
 

VS

Elevate (Direct)

24 months for specified diseases.

PED Waiting Period

Aspire Diamond+

3 years
 

VS

Elevate (Direct)

36 months for pre-existing diseases.

Modern Treatment

Aspire Diamond+

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

VS

Elevate (Direct)

Covers modern treatments as specified per policy with applicable per-treatment conditions.

Annual Health Checkup

Aspire Diamond+

Health check-up is available once every policy year, from day 1 of the policy

VS

Elevate (Direct)

Optional cover with cashless package worth up to 0.5% of SI (max ₹5,000).

Pre-Hospitalisation

Aspire Diamond+

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

VS

Elevate (Direct)

Up to 90 days before hospitalisation for eligible expenses.

Post-Hospitalisation

Aspire Diamond+

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

VS

Elevate (Direct)

Up to 180 days after hospitalisation for eligible expenses.

Outpatient Department Cover (OPD Expense)

Aspire Diamond+

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

VS

Elevate (Direct)

Available via optional BeFit benefit for cashless OPD, pharmacy, physiotherapy, diagnostics.

Deductible Option

Aspire Diamond+

Available as an option

VS

Elevate (Direct)

Voluntary deductible available as optional cover.

Coverage Options

Aspire Diamond+

Available coverage options: 3L, 5L, 7.5L, 10L, 15L, 20L, 25L, 50L, 1cr

VS

Elevate (Direct)

Flexible SI options including unlimited sum insured option.

Claim Settlement Ratio

Aspire Diamond+

92.02%

VS

Elevate (Direct)

Not publicly specified on official product page.

Maternity Cover

Aspire Diamond+

Available

VS

Elevate (Direct)

Optional add-on for normal/C-section deliveries: up to 10% SI (max ₹1L) after 24 months WP.

Insurance Plans Comparison

Still Confused? Get Expert Advice

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Why Choose Our Expert Consultation?

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

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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.

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