Insurance Plans Comparison
ICICI Lombard Elevate vs Niva Bupa Reassure
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreElevate
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
VS
Reassure
Niva Bupa ReAssure Plan No room rent cap, cover that refills from your first paid claim, and Loyalty Additions that can double your Base Sum Insured.
What Makes It Special:
Niva Bupa's ReAssure health insurance plan offers unlimited in-year reinstatement from the first paid claim, Loyalty Additions up to 100% of Base Sum Insured and no room rent capping.
Best For:
Customers who value preventive health benefits: Annual health check-ups are available from day one, alongside the Live Healthy renewal discount programme.
Long-term policyholders: Loyalty Additions can increase Base Sum Insured by up to 100%.
People who prefer room flexibility: The plan has no room rent capping, subject to the policy terms.
Buyers seeking flexible cover amounts: Sum Insured options range from ₹3 lakh to ₹1 crore.
Families looking for recurring cover: The ReAssure benefit reinstates cover from the first paid claim and can be used for subsequent claims throughout the policy year.
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
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
Road ambulance expenses are limited to ₹2,000 per hospitalisation.
Maternity expenses and OPD treatment are excluded.
Most robotic surgeries have a ₹1 lakh limit unless Modern Treatment+ is selected.
Listed conditions and procedures have a 24-month specific waiting period.
The pre-existing disease waiting period is 36 months.
Annual health check-ups are available from day one, with a potential renewal discount through Live Healthy.
Sum Insured options range from ₹3 lakh to ₹1 crore.
Loyalty Additions add 50% of Base SI each year, up to 100%.
Unlimited in-year reinstatement starts from the first paid claim.
No room rent capping, with ICU expenses covered up to Sum Insured.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Elevate Health Insurance Plan VS VS |
Reassure Health Insurance Plan |
| Room Rent |
|---|
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) |
VS VS |
Reassure No room rent capping. Eligible inpatient room categories are covered subject to policy terms. |
| ICU Charges |
|---|
Elevate No restriction on ICU room rent |
VS VS |
Reassure Covered up to Sum Insured under inpatient care, with no separate ICU cap. |
| Co-payment |
|---|
Elevate Available as an option |
VS VS |
Reassure No co-payment under the base plan. The optional Tiered Network add-on offers a 15% premium discount and applies a 20% co-payment when treatment is taken at a non-tiered network hospital. |
| Disease-wise sublimits |
|---|
Elevate No |
VS VS |
Reassure No general disease-wise sublimits. Most robotic surgeries have a ₹1 lakh limit, with listed exceptions. Road ambulance is limited to ₹2,000 per hospitalisation, and air ambulance reimbursement is capped at ₹2.5 lakh. |
| Restoration Benefit |
|---|
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) |
VS VS |
Reassure The ReAssure benefit provides unlimited reinstatement within the policy year, triggered from the first paid claim. It is available for subsequent claims for any illness and any insured member. Each claim under the benefit is limited to Base Sum Insured |
| Cashless Healthcare Providers |
|---|
Elevate 10300+ Healthcare Providers |
VS VS |
Reassure Cashless treatment is available at Niva Bupa network providers, subject to network participation and pre-authorisation. Niva Bupa has reported a company-wide network of 10,000+ hospitals. |
| Daycare Treatment |
|---|
Elevate Covers medical expenses for treatments not requiring 24-hour hospitalization, up to annual sum insured |
VS VS |
Reassure Eligible day-care treatment is covered up to Sum Insured. The policy wording specifies admission exceeding 2 hours and includes procedures such as angiography, dialysis, radiotherapy and chemotherapy for cancer. |
| Cumulative Bonus |
|---|
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) |
VS VS |
Reassure Loyalty Additions add 50% of the previous year's Base Sum Insured at each policy anniversary, up to 100% of Base SI |
| AYUSH Treatment |
|---|
Elevate Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Reassure Eligible inpatient treatment under Ayurveda, Unani, Siddha and Homeopathy at an AYUSH hospital is covered up to Sum Insured. Yoga is not covered. |
| Consumable Cover |
|---|
Elevate No. However, available as an add-on |
VS VS |
Reassure Not covered in the base plan. Optional Safeguard covers List I non-payable items, while Safeguard+ covers Lists I to IV. |
| Initial Waiting Period |
|---|
Elevate 30 days |
VS VS |
Reassure 30 days for illnesses. Accidents are covered from day one. |
| Specific Waiting Period |
|---|
Elevate 2 years |
VS VS |
Reassure 24 months for listed conditions and procedures, subject to policy terms. This waiting period does not apply to accidents. Cancer is covered after the applicable 30-day initial waiting period. |
| PED Waiting Period |
|---|
Elevate 3 years |
VS VS |
Reassure 36 months of continuous coverage for declared pre-existing diseases, subject to policy terms. |
| Modern Treatment |
|---|
Elevate Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS VS |
Reassure Covered up to Sum Insured. Most robotic surgeries have a ₹1 lakh limit, except robotic radical prostatectomy, cardiac, partial nephrectomy and cancer surgeries. The optional Modern Treatment+ add-on removes the ₹1 lakh limit. |
| Annual Health Checkup |
|---|
Elevate Health checkup is not included as part of base cover. However, available as an add-on |
VS VS |
Reassure Available from day one, once per policy year. Benefit value is ₹500 per ₹1 lakh of Sum Insured, up to ₹5,000 per insured individual or ₹10,000 per Family Floater policy. Cashless only. |
| Pre-Hospitalisation |
|---|
Elevate You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved |
VS VS |
Reassure Covered for up to 60 days, up to Sum Insured, on a reimbursement basis. |
| Post-Hospitalisation |
|---|
Elevate You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it. |
VS VS |
Reassure Covered for up to 180 days, up to Sum Insured, on a reimbursement basis. |
| Outpatient Department Cover (OPD Expense) |
|---|
Elevate OPD expense is not included as part of base cover. However, available as an add-on |
VS VS |
Reassure OPD treatment is not covered under the base plan. |
| Deductible Option |
|---|
Elevate Not available |
VS VS |
Reassure No deductible option is listed in the base product benefit table. |
| Coverage Options |
|---|
Elevate Available sum insured options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹1 Cr, ₹3 Cr and unlimited sum insured |
VS VS |
Reassure Base Sum Insured options are ₹3 lakh, ₹4 lakh, ₹5 lakh, ₹7.5 lakh, ₹10 lakh, ₹12.5 lakh, ₹15 lakh, ₹20 lakh, ₹25 lakh, ₹50 lakh, ₹75 lakh and ₹1 crore. Available on Individual or Family Floater basis, covering up to 2 adults and 4 children. |
| Claim Settlement Ratio |
|---|
Elevate 97.16% |
VS VS |
Reassure 96.8% of claims settled by number in FY 2025-26 for the ReAssure product line, which includes ReAssure, ReAssure 2.0 and ReAssure 3.0 UINs in the insurer's disclosure. Company-level figure reported in the annual report: 94.4%. |
| Maternity Cover |
|---|
Elevate No. However, available as an add-on. |
VS VS |
Reassure Maternity expenses are excluded under the base plan. |
Insurance Plans Comparison
Still Confused? Get Expert Advice
Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.
Why Choose Our Expert Consultation?
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
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
Insurance Plans Comparison
Frequently Asked Questions (FAQs)
Having questions? We've got answers. Explore our FAQs to find the information you need.
Explore Our Most Popular Plans
Compare With Other Health Insurance Plans
Elevate vs Optima Secure
Elevate vs Super Mediclaim
Elevate vs Health Recharge
Elevate vs Cancer Cover Activ Cancer Secure Plan
Elevate vs Optima Secure Plus
Elevate vs Women Care
Elevate vs Aspire Diamond+
Elevate vs Activate Booster Plan A
Elevate vs Active Care Premier
Elevate vs ProHealth Accumulate
Elevate vs Health Super Saver Standard
Elevate vs Supreme Shine
Elevate vs Optima Secure Global Plus
Elevate vs Health Cardiac Care Silver & Gold Plan
Elevate vs myHealth Suraksha Gold
Elevate vs LifeTime Health Global
Elevate vs Active Fit Plus
Elevate vs OneHealth Premium
Elevate vs Activ Health Platinum Essential
Elevate vs Medicare Plus
Elevate vs Medicare Senior
Elevate vs Enhance Super Top-up Two
Elevate vs Medicare Protect
Elevate vs Activ One SAVR
Elevate vs Active Assure Diamond
Elevate vs Activ One VIP
Elevate vs Health Pulse Classic
Elevate vs Advantage
Elevate vs Special Care Gold
Elevate vs Activ One Max
Elevate vs Classic
Elevate vs Activ One Vytl
Elevate vs Supreme
Elevate vs Freedom
Elevate vs Sarvah Pratham
Elevate vs Joy Today
Elevate vs Medi Classic
Elevate vs Activate Booster Plan B
Elevate vs Aspire Gold+
Elevate vs Aspire Platinum+
Elevate vs Plus Complete
Elevate vs Reassure 2.0 Platinum+
Elevate vs Elder Care
Elevate vs Reassure 3.0 Elite
Elevate vs EquiCover
Elevate vs Young Star Gold
Elevate vs Enhance Super Top-up One
Elevate vs Joy Tomorrow
Elevate vs Activ One VIP+
Elevate vs Reassure 3.0 Select
Elevate vs Red Carpet Senior Citizens
Elevate vs Medicare Premier
Elevate vs Family Health Optima
Elevate vs Health Companion Variant 2022
Elevate vs Health Companion Variant 3
Elevate vs Plus Youth
Elevate vs Assure
Elevate vs Health Premia Gold
Elevate vs Health Premia Platinum
Elevate vs Cancer Care Platinum
Elevate vs Optima Lite
Elevate vs ProHealth Prime Protect
Elevate vs Comprehensive
Elevate vs HeartBeat Enhanced
Elevate vs Reassure
Elevate vs Supreme Senior Premium
Elevate vs Health Recharge Super Top Up Plan
Elevate vs Reassure 3.0
Elevate vs myHealth Suraksha Platinum
Elevate vs Supreme Value for Money
Elevate vs Supreme Senior Super
Elevate vs Supreme Enhance
Elevate vs Reassure 2.0 Gold
Elevate vs Medicare
Elevate vs Ultimate (Direct)
Elevate vs Young Star
Elevate vs Sarvah Param
Elevate vs Optima Insurance
Elevate vs Smart Super Health Assure
Elevate vs Reassure 3.0 Black
Elevate vs Health Guard Platinum
Elevate vs Health Guard Gold
Elevate vs Elevate (Direct)
Elevate vs Extra Care Plus Super Top-up
Elevate vs Health Care Supreme Smart
Elevate vs Smart Health Pro
Elevate vs Medi Classic Gold
Elevate vs Optima Super Secure
Elevate vs Special Care
Elevate vs Medicare LITE
Elevate vs Health Shield 360
Elevate vs SecureHealth
Elevate vs Supreme (Direct)
Elevate vs Plus
Elevate vs Mediclaim Insurance Policy
Elevate vs Medicare Select
Elevate vs Health Gain
Elevate vs myHealth Koti Suraksha
Elevate vs Senior
Elevate vs myHealth Suraksha Silver
Elevate vs Cardiac Care Platinum
Elevate vs Royal Sundaram Lifeline Elite
Elevate vs Super Surplus Gold
Elevate vs Supreme Enhance One
Elevate vs Supreme Enhance Two
Elevate vs HeartBeat Platinum
Elevate vs HeartBeat Gold
Elevate vs Health SuperCharge
Elevate vs Aspire Titanium+
Elevate vs iHealth Plus
Elevate vs ProHealth Prime Advantage
Elevate vs Active Fit Preferred
Elevate vs Reassure 3.0 Classic
Elevate vs Senior Health Advantage
Elevate vs Health Wallet
Elevate vs Heart
Elevate vs LifeTime Health
Elevate vs Reassure 2.0 Titanium+
Elevate vs ProHealth Prime Active
Elevate vs ProHealth Prime Senior Elite
Elevate vs Advanced Top Up
Elevate vs Multiplier Health
Elevate vs Diabetes Safe Plan A
Elevate vs Reassure 2.0 Bronze+
Elevate vs Enhance Super Top-up
Elevate vs Young Star Silver
Elevate vs Star Women Care Policy
Elevate vs Joy
Elevate vs Supreme Senior Health AdvantEdge
Elevate vs Family Plus
Elevate vs Criti Shield Plus
Elevate vs Health Care Supreme Ultimo
Elevate vs Health Shield 360 Retail
Elevate vs Super Star
Elevate vs Supreme Super Saver
Elevate vs Senior First Platinum
Elevate vs Optima Secure Global
Elevate vs NextGen
Elevate vs Health Insurance Platinum
Elevate vs Energy Silver With Copay
Reassure vs Optima Secure
Reassure vs Super Mediclaim
Reassure vs Health Recharge
Reassure vs Cancer Cover Activ Cancer Secure Plan
Reassure vs Optima Secure Plus
Reassure vs Women Care
Reassure vs Aspire Diamond+
Reassure vs Activate Booster Plan A
Reassure vs Active Care Premier
Reassure vs ProHealth Accumulate
Reassure vs Health Super Saver Standard
Reassure vs Supreme Shine
Reassure vs Optima Secure Global Plus
Reassure vs Health Cardiac Care Silver & Gold Plan
Reassure vs myHealth Suraksha Gold
Reassure vs LifeTime Health Global
Reassure vs Active Fit Plus
Reassure vs OneHealth Premium
Reassure vs Activ Health Platinum Essential
Reassure vs Medicare Plus
Reassure vs Medicare Senior
Reassure vs Enhance Super Top-up Two
Reassure vs Medicare Protect
Reassure vs Activ One SAVR
Reassure vs Active Assure Diamond
Reassure vs Activ One VIP
Reassure vs Health Pulse Classic
Reassure vs Advantage
Reassure vs Special Care Gold
Reassure vs Activ One Max
Reassure vs Classic
Reassure vs Activ One Vytl
Reassure vs Supreme
Reassure vs Freedom
Reassure vs Sarvah Pratham
Reassure vs Joy Today
Reassure vs Medi Classic
Reassure vs Activate Booster Plan B
Reassure vs Aspire Gold+
Reassure vs Aspire Platinum+
Reassure vs Plus Complete
Reassure vs Reassure 2.0 Platinum+
Reassure vs Elder Care
Reassure vs Reassure 3.0 Elite
Reassure vs EquiCover
Reassure vs Young Star Gold
Reassure vs Enhance Super Top-up One
Reassure vs Joy Tomorrow
Reassure vs Activ One VIP+
Reassure vs Reassure 3.0 Select
Reassure vs Red Carpet Senior Citizens
Reassure vs Medicare Premier
Reassure vs Family Health Optima
Reassure vs Health Companion Variant 2022
Reassure vs Health Companion Variant 3
Reassure vs Plus Youth
Reassure vs Assure
Reassure vs Health Premia Gold
Reassure vs Health Premia Platinum
Reassure vs Cancer Care Platinum
Reassure vs Optima Lite
Reassure vs ProHealth Prime Protect
Reassure vs Comprehensive
Reassure vs HeartBeat Enhanced
Reassure vs Supreme Senior Premium
Reassure vs Health Recharge Super Top Up Plan
Reassure vs Reassure 3.0
Reassure vs myHealth Suraksha Platinum
Reassure vs Supreme Value for Money
Reassure vs Supreme Senior Super
Reassure vs Supreme Enhance
Reassure vs Reassure 2.0 Gold
Reassure vs Medicare
Reassure vs Ultimate (Direct)
Reassure vs Young Star
Reassure vs Sarvah Param
Reassure vs Optima Insurance
Reassure vs Smart Super Health Assure
Reassure vs Reassure 3.0 Black
Reassure vs Health Guard Platinum
Reassure vs Health Guard Gold
Reassure vs Elevate (Direct)
Reassure vs Extra Care Plus Super Top-up
Reassure vs Health Care Supreme Smart
Reassure vs Smart Health Pro
Reassure vs Medi Classic Gold
Reassure vs Optima Super Secure
Reassure vs Special Care
Reassure vs Medicare LITE
Reassure vs Health Shield 360
Reassure vs SecureHealth
Reassure vs Supreme (Direct)
Reassure vs Plus
Reassure vs Mediclaim Insurance Policy
Reassure vs Medicare Select
Reassure vs Health Gain
Reassure vs myHealth Koti Suraksha
Reassure vs Senior
Reassure vs myHealth Suraksha Silver
Reassure vs Cardiac Care Platinum
Reassure vs Royal Sundaram Lifeline Elite
Reassure vs Super Surplus Gold
Reassure vs Supreme Enhance One
Reassure vs Supreme Enhance Two
Reassure vs HeartBeat Platinum
Reassure vs HeartBeat Gold
Reassure vs Health SuperCharge
Reassure vs Aspire Titanium+
Reassure vs iHealth Plus
Reassure vs ProHealth Prime Advantage
Reassure vs Active Fit Preferred
Reassure vs Reassure 3.0 Classic
Reassure vs Senior Health Advantage
Reassure vs Health Wallet
Reassure vs Elevate
Reassure vs Heart
Reassure vs LifeTime Health
Reassure vs Reassure 2.0 Titanium+
Reassure vs ProHealth Prime Active
Reassure vs ProHealth Prime Senior Elite
Reassure vs Advanced Top Up
Reassure vs Multiplier Health
Reassure vs Diabetes Safe Plan A
Reassure vs Reassure 2.0 Bronze+
Reassure vs Enhance Super Top-up
Reassure vs Young Star Silver
Reassure vs Star Women Care Policy
Reassure vs Joy
Reassure vs Supreme Senior Health AdvantEdge
Reassure vs Family Plus
Reassure vs Criti Shield Plus
Reassure vs Health Care Supreme Ultimo
Reassure vs Health Shield 360 Retail
Reassure vs Super Star
Reassure vs Supreme Super Saver
Reassure vs Senior First Platinum
Reassure vs Optima Secure Global
Reassure vs NextGen
Reassure vs Health Insurance Platinum
Reassure vs Energy Silver With Copay
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.







.png)

