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Insurance Plans Comparison

Niva Bupa Health Assurance vs ICICI Lombard Elevate

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

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Niva Bupa

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
ICICI Lombard

Elevate

Comprehensive health insurance with high coverage, loyalty bonus and flexible optional benefits

What Makes It Special:

ICICI Lombard’s Elevate health insurance policy is designed to provide comprehensive protection and flexibility. It covers hospitalisation, day-care treatments, pre- and post-hospitalisation expenses (90 to 180 days), AYUSH treatments, ambulance services (road and air), and even worldwide cashless hospitalisation. The policy offers unlimited reset of sum insured, 100% annual increase...

Best For:

  • Comprehensive All-Round Protection

  • Global Health Insurance Coverage

  • Advanced Critical Illness Cover

  • Tech-Enabled Seamless Support

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.

  • You want global and all-round health coverage

  • You need CIBIL discount on good credit score

  • You need coverage on conditions like Asthma, BP, Cholesterol, Diabetes from Day 1

  • You need a good customer app which has a simplified claims experience

  • You need unlimited sum insured restoration benefits and high cumulative bonus

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Assurance
Health Assurance

Health Insurance Plan

VS
Elevate
Elevate

Health Insurance Plan

Room Rent

Health Assurance

Normal: Covered up to Sum Insured

ICU: Covered up to Sum Insured

VS

Elevate

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

(Option to modify room category)

Advanced Treatments

Health Assurance

Modern Treatments covered up to Sum Insured

VS

Elevate

Information Unavailable

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

Elevate

No restriction on ICU room rent

Co-payment

Health Assurance

Optional co-payment available

VS

Elevate

Available as an option


Disease-wise sublimits

Health Assurance

Information Unavailable

VS

Elevate

No

Cashless Healthcare Providers

Health Assurance

10,000+ Network Hospitals

VS

Elevate

10300+ Healthcare Providers

Restoration Benefit

Health Assurance

Information Unavailable

VS

Elevate

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

(per claim in a policy year for related/unrelated illnesses)

Daycare Treatment

Health Assurance

Covered

VS

Elevate

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

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

Elevate

Your sum insured increases by 20% every year maximum upto 100%. However, you can pay an additional premium to increase sum insured up to 100%, every year.

(Option to boost coverage by 1x annually)

AYUSH Treatment

Health Assurance

Covered up to Sum Insured

VS

Elevate

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


Consumable Cover

Health Assurance

Please refer to the policy wording.

VS

Elevate

No. However, available as an add-on

Initial Waiting Period

Health Assurance

CritiCare: 90 days. HospiCash: 30 days, except accidents. AccidentCare: none.

VS

Elevate

30 days

Specific Waiting Period

Health Assurance

HospiCash only: 24 months for 17 listed conditions and procedures

VS

Elevate

2 years

PED Waiting Period

Health Assurance

36 months for CritiCare and HospiCash

VS

Elevate

3 years

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

Elevate

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

Annual Health Checkup

Health Assurance

Kindly refer to the policy wording.

VS

Elevate

Health checkup is not included as part of base cover. However, available as an add-on

Pre-Hospitalisation

Health Assurance

Information Unavailable

VS

Elevate

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

Post-Hospitalisation

Health Assurance

Kindly refer to policy wording.

VS

Elevate

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


Outpatient Department Cover (OPD Expense)

Health Assurance

Not covered.

VS

Elevate

OPD expense is not included as part of base cover. However, available as an add-on

Deductible Option

Health Assurance

Kindly refer to the policy wording.

VS

Elevate

Not available

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

Elevate

Available sum insured options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹1 Cr, ₹3 Cr and unlimited sum insured


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

Elevate

97.16%

Maternity Cover

Health Assurance

Information Unavailable

VS

Elevate

No. However, available as an add-on.


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Why Choose Our Expert Consultation?

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

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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

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Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

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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

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Frequently Asked Questions (FAQs)

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