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Insurance Plans Comparison

Niva Bupa Reassure 2.0 Gold 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

Reassure 2.0 Gold

Carry forward unused cover up to 10X and get your Base Sum Insured reinstated unlimited times after your first paid claim.

What Makes It Special:

ReAssure 2.0 Gold is a health insurance variant from Niva Bupa that combines Booster+ 10X carry-forward of unused cover, ReAssureX unlimited reinstatement and no room rent limit. It also offers eligible hospitalisation cover for stays of 2 hours or more, annual health check-ups from Day 1 and unlimited e-consultations with...

Best For:

  • Customers who want to explore optional co-payment, deductible or room-type choices to manage costs.

  • Buyers who value the carry-forward of unused Base Sum Insured.

  • People who want the flexibility to choose any room without a standard room rent cap.

  • Families looking for a floater policy with unlimited reinstatement of cover.

  • Buyers who want Booster+ 10X without the Lock the Clock feature.

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

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Quick Decision Guide

  • Lock the Clock is not included in Gold, and the premium may change at renewal according to the applicable pricing terms.

  • Consumables and specified non-payable items require the optional Safeguard or Safeguard+ benefit.

  • Maternity expenses and routine OPD expenses are not covered under the base plan.

  • Listed conditions and procedures have a 24-month waiting period.

  • The standard pre-existing disease waiting period is 36 months, with optional reductions to 1 or 2 years at additional premium.

  • Annual health check-ups are available from Day 1, and unlimited e-consultations with network partners are included.

  • Eligible hospitalisation of 2 hours or more is covered.

  • Booster+ 10X carries forward unused Base Sum Insured into subsequent policy years.

  • ReAssureX provides unlimited reinstatements after the first paid claim, with each claim under the benefit covered up to the Base Sum Insured.

  • No standard room rent cap, with ICU expenses covered up to the Sum Insured.

  • 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 2.0 Gold
Reassure 2.0 Gold

Health Insurance Plan

VS
Elevate
Elevate

Health Insurance Plan

Room Rent

Reassure 2.0 Gold

No room rent limit under the standard Gold variant. Optional Room Type Modification may allow a single private room or shared room at a lower premium. Choosing a room above the selected room category may lead to proportionate deductions.

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 2.0 Gold

Covered up to the Sum Insured, with no separate ICU cap stated. If Room Type Modification is selected, ICU expenses are covered up to the Base Sum Insured.

VS

Elevate

No restriction on ICU room rent

Co-payment

Reassure 2.0 Gold

No mandatory co-payment applies under the base plan. Optional voluntary co-payment options are 20%, 30%, 40% or 50%. The optional Tiered Network benefit offers a 15% premium discount and applies a 20% co-payment when treatment is taken at a non-tiered network hospital.

VS

Elevate

Available as an option


Disease-wise sublimits

Reassure 2.0 Gold

No general disease-wise sublimits are stated in the reviewed policy wording. Specific benefit limits apply, including air ambulance cover up to ₹2,50,000 per hospitalisation and the monofocal cataract lens restriction for Sum Insured up to ₹10 lakh.

VS

Elevate

No

Cashless Healthcare Providers

Reassure 2.0 Gold

Cashless treatment is available at Niva Bupa network hospitals. The reviewed single-sheeter cites approximately 10,000+ network hospitals. Cashless Everywhere is also offered at non-network hospitals, subject to the insurer's process. The brochure mentions a 30-minute cashless pre-authorisation commitment.

VS

Elevate

10300+ Healthcare Providers

Restoration Benefit

Reassure 2.0 Gold

ReAssureX, also referred to as ReAssure Forever, is triggered by the first paid claim in the life of the policy. It provides unlimited reinstatements, with each claim under the benefit covered up to the Base Sum Insured. It remains available for life if the policy is renewed without a break. Lock the Clock is not included in the Gold variant.

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 2.0 Gold

Booster+ 10X carries forward unused Base Sum Insured into the next policy year, up to 10 times the Base Sum Insured. The accumulated amount may be reduced proportionately if the Base Sum Insured is reduced.

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 2.0 Gold

Covered up to the Sum Insured. Hospitalisation of 2 hours or more qualifies, subject to policy terms. AYUSH treatment requires a minimum admission of 24 hours.

VS

Elevate

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

Consumable Cover

Reassure 2.0 Gold

Consumables and non-payable items are not covered under the base plan. Optional Safeguard covers specified List I items, while Safeguard+ covers specified items under Lists I to IV.

VS

Elevate

No. However, available as an add-on

AYUSH Treatment

Reassure 2.0 Gold

Eligible in-patient AYUSH treatment is covered up to the Sum Insured for admissions of at least 24 hours in an AYUSH hospital. Yoga and Naturopathy claims require prior approval.

VS

Elevate

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


Initial Waiting Period

Reassure 2.0 Gold

30 days. Accidents are covered from Day 1, subject to policy terms.

VS

Elevate

30 days

Specific Waiting Period

Reassure 2.0 Gold

24 months for listed conditions and procedures. The waiting period does not apply to accidents. Cancer is covered after the initial 30-day waiting period, subject to policy terms.

VS

Elevate

2 years

PED Waiting Period

Reassure 2.0 Gold

36 months of continuous coverage for pre-existing diseases. Optional PED Waiting Time Modification can reduce this to 1 or 2 years at additional premium.

VS

Elevate

3 years

Modern Treatment

Reassure 2.0 Gold

Covered up to the Sum Insured for 12 listed procedures, including robotic surgery, oral chemotherapy, stem cell therapy, deep brain stimulation and intravitreal injections. For Sum Insured up to ₹10 lakh, cataract cover is limited to a monofocal lens, subject to policy terms.

VS

Elevate

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

Annual Health Checkup

Reassure 2.0 Gold

Available from Day 1, once every policy year. The benefit is ₹500 per ₹1 lakh of Base Sum Insured, capped at ₹5,000 per insured individual or ₹10,000 per floater policy. Cashless only, booked through the Niva Bupa app, subject to policy terms.

VS

Elevate

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

Pre-Hospitalisation

Reassure 2.0 Gold

Eligible pre-hospitalisation expenses are covered for up to 60 days, up to the Sum Insured.

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 2.0 Gold

Eligible post-hospitalisation expenses are covered for up to 180 days, up to the Sum Insured.

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 2.0 Gold

Routine OPD expenses are not covered under the base plan. Unlimited e-consultations with network partners are included.

VS

Elevate

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

Deductible Option

Reassure 2.0 Gold

The prospectus lists an optional annual aggregate deductible of ₹10,000, ₹20,000, ₹30,000, ₹50,000 or ₹1,00,000 for the Bronze/Silver/Gold group. The Gold single-sheeter does not list this benefit, so availability for the Gold variant and sales channel requires confirmation.

VS

Elevate

Not available

Coverage Options

Reassure 2.0 Gold

Base Sum Insured options listed in the reviewed single-sheeter are ₹5 lakh, ₹7.5 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh, ₹25 lakh, ₹50 lakh and ₹1 crore. Individual cover for up to 6 members or family floater options are listed, with 1-year, 2-year and 3-year policy terms. Confirm the ₹7.5 lakh option against the insurer's latest schedule before publication.

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 2.0 Gold

96.8% of claims settled by number in FY 2025-26 for the combined ReAssure product line. The insurer's disclosure groups ReAssure, ReAssure 2.0 and ReAssure 3.0 UINs together, so this is not a Gold-specific ratio. Niva Bupa's company-level figure was 94.4% for FY 2025-26.

VS

Elevate

97.16%

Maternity Cover

Reassure 2.0 Gold

Maternity expenses are excluded under the standard policy terms. Ectopic pregnancy is treated separately in the exclusion wording.

VS

Elevate

No. However, available as an add-on.


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