Insurance Plans Comparison
Niva Bupa Reassure 3.0 Select vs ICICI Lombard Elevate
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreReassure 3.0 Select
ReAssure 3.0 Select
What Makes It Special:
Reassure 3.0 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
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
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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
Not available
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
Reassure 3.0 Select Health Insurance Plan VS VS |
![]() Elevate Health Insurance Plan |
| Room Rent |
|---|
Reassure 3.0 Select Select covers up to Twin Sharing Room; higher rooms attract co-payment. |
VS 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) |
| ICU Charges |
|---|
Reassure 3.0 Select Covered under hospitalisation expenses up to applicable SI. |
VS VS |
Elevate No restriction on ICU room rent |
| Co-payment |
|---|
Reassure 3.0 Select Selectable: 0%, 10%, 20%, 30%, 40%, 50% options. |
VS VS |
Elevate Available as an option |
| Disease-wise sublimits |
|---|
Reassure 3.0 Select ₹1L limit per claim for specified modern treatments |
VS VS |
Elevate No |
| Cashless Healthcare Providers |
|---|
Reassure 3.0 Select Niva Bupa network hospitals subject to authorisation |
VS VS |
Elevate 10300+ Healthcare Providers |
| Restoration Benefit |
|---|
Reassure 3.0 Select ReAssure Forever: Base SI restored after first claim, unlimited times. |
VS 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) |
| Cumulative Bonus |
|---|
Reassure 3.0 Select Booster+ add on: Accumulates up to 10X base SI carried forward annually |
VS 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) |
| Daycare Treatment |
|---|
Reassure 3.0 Select Covered for ≥2 hours hospitalisations per policy terms. |
VS VS |
Elevate Covers medical expenses for treatments not requiring 24-hour hospitalization, up to annual sum insured |
| Consumable Cover |
|---|
Reassure 3.0 Select Claim Safeguard+ available as optional benefit |
VS VS |
Elevate No. However, available as an add-on |
| AYUSH Treatment |
|---|
Reassure 3.0 Select Covered for ≥24 hours AYUSH hospitalisation up to SI. |
VS VS |
Elevate Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Initial Waiting Period |
|---|
Reassure 3.0 Select 30 days (except accidents). |
VS VS |
Elevate 30 days |
| Specific Waiting Period |
|---|
Reassure 3.0 Select 24 months standard; Specific Disease modification to 12 or 16 months. |
VS VS |
Elevate 2 years |
| PED Waiting Period |
|---|
Reassure 3.0 Select 36 months standard; modifiable to 12 or 24 months. |
VS VS |
Elevate 3 years |
| Modern Treatment |
|---|
Reassure 3.0 Select Modern treatments covered up to ₹1L per complete claim amount. |
VS VS |
Elevate Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
Reassure 3.0 Select Available from Day 1 on cashless basis per defined packages. |
VS VS |
Elevate Health checkup is not included as part of base cover. However, available as an add-on |
| Pre-Hospitalisation |
|---|
Reassure 3.0 Select Up to 60 days before hospitalisation when related to approved claim. |
VS 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 |
|---|
Reassure 3.0 Select Covered for 180 days after discharge for eligible expenses. |
VS 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) |
|---|
Reassure 3.0 Select Not in base; Wellconsult+ add on provides OPD and wellness benefits. |
VS VS |
Elevate OPD expense is not included as part of base cover. However, available as an add-on |
| Deductible Option |
|---|
Reassure 3.0 Select Annual Aggregate Deductible: ₹10K to ₹5L range. |
VS VS |
Elevate Not available |
| Coverage Options |
|---|
Reassure 3.0 Select Unlimited Sum Insured option available. |
VS 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 |
|---|
Reassure 3.0 Select 80% |
VS VS |
Elevate 97.16% |
| Maternity Cover |
|---|
Reassure 3.0 Select Not in standard, Select variant base benefits. |
VS VS |
Elevate No. However, available as an add-on. |
Insurance Plans Comparison
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