Oneassure

Partner with us

Insurance Plans Comparison

Niva Bupa Health Pulse Classic vs ICICI Lombard Criti Shield Family Shield

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

Read more
Niva Bupa

Health Pulse Classic

Refill up to 100% of the sum insured once for a different illness, add a 10% no-claim bonus each claim-free year up to 100%, and pay a 20% co-pay for treatment in Delhi NCR, Mumbai, Kolkata and Gujarat.

What Makes It Special:

A value-focused health plan with Loyalty Additions, a Re-fill benefit and optional add-ons, with a 20% co-payment applying only in specified cities.

Best For:

  • Customers comfortable with room rent limits on lower Sum Insured options.

  • Adults aged 18 to 65 years buying a new policy, subject to eligibility.

  • People who want the option to add Personal Accident or Critical Illness cover.

  • Buyers who want their cover to grow through annual Loyalty Additions.

  • First-time buyers looking for straightforward hospitalisation coverage.

  • Families outside Delhi NCR, Mumbai, Kolkata and Gujarat who want to avoid the plan's city-specific co-payment.

VS
ICICI Lombard

Criti Shield Family Shield

Cover hospitalisation for specified infectious diseases, including listed vector-borne illnesses such as dengue and malaria, and personal accident benefits for death, disablement and accidental hospital treatment.

What Makes It Special:

ICICI Lombard Family Shield combines defined benefits for specified infectious diseases with personal accident and hospital daily cash benefits. Coverage includes selected vector-borne, viral, gastrointestinal and nervous system infections, along with rabies and tetanus. Additional benefits may be available depending on the options selected and the policy certificate.

Best For:

  • Customers who understand that this is a benefit-specific policy and not a substitute for comprehensive hospitalisation insurance.

  • Buyers who want to explore optional benefits such as broken bones or burns cover.

  • People who value fixed hospital daily cash benefits where selected.

  • Families seeking additional financial protection against eligible accidental injuries.

  • Buyers looking for defined benefits for specified infectious diseases.

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 Health Pulse Classic

  • The available Sum Insured options for Classic above ₹10 Lakh need confirmation because the prospectus and sales sheet differ.

  • There is no deductible option.

  • Maternity and general OPD treatment are not covered.

  • Pre-existing diseases have a 36-month waiting period.

  • Listed specified conditions have a 24-month waiting period.

  • Pre-hospitalisation cover is limited to 30 days and post-hospitalisation cover to 60 days.

  • For ₹3 Lakh and ₹4 Lakh cover, room rent is limited to 1% of the Base Sum Insured per day and ICU charges to 2% per day.

  • A 20% co-payment applies to treatment in Delhi NCR, Mumbai including Navi Mumbai and Thane, Kolkata and Gujarat.

  • Optional Personal Accident, Critical Illness, Hospital Cash and unlimited e-Consultation benefits are available at additional premiums.

  • Mental illness, HIV/AIDS, domiciliary treatment and modern treatments are covered, with specified sublimits and waiting periods.

  • A single private room is covered for Sum Insured of ₹5 Lakh and above.

  • Re-fill of up to 100% of the Base Sum Insured is available for a different illness or injury. Optional Enhanced Re-fill increases it to 150%.

  • Loyalty Additions add 10% of the Base Sum Insured every policy year, up to 100%.

ICICI Lombard Criti Shield Family Shield

  • If you need broad coverage for unrelated illnesses, surgeries and hospital bills, compare this policy with a comprehensive indemnity-based health insurance plan.

  • Review waiting periods carefully, particularly the 30-day waiting period for infectious disease benefits and the pre-existing disease restriction applicable to hospital daily cash benefits.

  • Review the personal accident benefit amounts and definitions of disability before relying on the policy for accident protection.

  • Confirm whether hospital daily cash benefits are included and check the applicable daily limits and eligibility conditions.

  • Check the list of covered infections and their claim requirements to confirm that the policy addresses your priorities.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Pulse Classic
Health Pulse Classic

Health Insurance Plan

VS
Criti Shield Family Shield
Criti Shield Family Shield

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Health Pulse Classic

  1.  Normal: single A/C private room
  2. ICU: no limit, expenses incurred would be covered by the policy.
VS

Criti Shield Family Shield

  1. Normal: Covered Up to Sum Insured
  2. ICU: Covered Up to Sum Insured
Advanced Treatments

Health Pulse Classic

Including robotic surgeries, stem cell therapy (for specific conditions), and modern procedures like laser treatments and bariatric surgery.

VS

Criti Shield Family Shield

  1. Oral Chemotherapy 
  2. Robotic Surgeries 
  3. Stem Cell Therapy 
ICU Charges

Health Pulse Classic

Information Unavailable

VS

Criti Shield Family Shield

ICU-related cash benefits may be available under selected hospital cash benefits; limits depend on the policy certificate.

Co-payment

Health Pulse Classic

A 20% co-payment applies for treatments in Zone 2. Additionally, policyholders can opt for a 10% or 20% co-payment, which does not reduce the sum insured.

VS

Criti Shield Family Shield

Co payment is applicable as chosen by the insured. 

It allows the insured to opt for 10% or 20% co-payment.

Disease-wise sublimits

Health Pulse Classic

Information Unavailable

VS

Criti Shield Family Shield

Benefits are defined for specified infections and accident-related events; applicable limits are benefit-specific and should be confirmed in the policy certificate.

Waiting Period

Health Pulse Classic

  1. Initial Waiting Period: A 30-day waiting period applies from the policy's inception, during which claims are not admissible, except for those arising from accidents. 
     
  2. Pre-existing Disease Waiting Period: For the Silver plan, pre-existing diseases are covered after 48 months of continuous coverage. For Gold and Platinum plans, this period is reduced to 24 months.
     
  3. Specific Disease/Procedure Waiting Period: For individuals above 45 years of age, certain listed illnesses and procedures are covered after a 24-month waiting period from the policy's inception. 
VS

Criti Shield Family Shield

Information Unavailable

Cashless Healthcare Providers

Health Pulse Classic

10675+ network hospitals in India.

VS

Criti Shield Family Shield

10,000+ Healthcare Providers

Restoration Benefit

Health Pulse Classic

Information Unavailable

VS

Criti Shield Family Shield

No restoration benefit verified.

Daycare Treatment

Health Pulse Classic

Covered by the policy.

VS

Criti Shield Family Shield

Covers medical procedures requiring hospitalization for less than 24 hours, such as cataract surgery or chemotherapy​

Cumulative Bonus

Health Pulse Classic

Information Unavailable

VS

Criti Shield Family Shield

No cumulative bonus benefit verified. The published brochure lists a 5% renewal discount and a family discount of up to 7.5%.

AYUSH Treatment

Health Pulse Classic

Covered by the policy.

VS

Criti Shield Family Shield

.

Consumable Cover

Health Pulse Classic

Information Unavailable

VS

Criti Shield Family Shield

Not specified.

Initial Waiting Period

Health Pulse Classic

Information Unavailable

VS

Criti Shield Family Shield

30 days for specific infectious disease and hospital daily cash benefits; 0 days for personal accident benefits, as stated in the published brochure.

Specific Waiting Period

Health Pulse Classic

Information Unavailable

VS

Criti Shield Family Shield

30 days for specific infectious disease benefits.

PED Waiting Period

Health Pulse Classic

Information Unavailable

VS

Criti Shield Family Shield

Two-year pre-existing disease restriction specified for Hospital Daily Cash Benefit; applicability to other benefits must be checked in the policy wording.

Modern Treatment

Health Pulse Classic

Information Unavailable

VS

Criti Shield Family Shield

Not specified as a standalone benefit in the reviewed product information.

Annual Health Checkup

Health Pulse Classic

Information Unavailable

VS

Criti Shield Family Shield

Not specified.

Pre-Hospitalisation

Health Pulse Classic

Information Unavailable

VS

Criti Shield Family Shield

Accidental pre-hospitalisation expenses may be covered under the applicable accident benefit; a general time limit was not verified.

Post-Hospitalisation

Health Pulse Classic

Information Unavailable

VS

Criti Shield Family Shield

Accidental pre- and post-hospitalisation expenses may be covered under the applicable accident benefit; a general post-hospitalisation limit was not verified.

Outpatient Department Cover (OPD Expense)

Health Pulse Classic

Information Unavailable

VS

Criti Shield Family Shield

No general OPD benefit verified. Accident-related diagnostic tests may be covered under the applicable benefit.

Deductible Option

Health Pulse Classic

Information Unavailable

VS

Criti Shield Family Shield

Any deductible or loss-sharing provision must be confirmed in the policy certificate.

Coverage Options

Health Pulse Classic

Information Unavailable

VS

Criti Shield Family Shield

Specific infectious disease benefits, personal accident benefits, hospital daily cash benefits and selected additional benefits.

Claim Settlement Ratio

Health Pulse Classic

Information Unavailable

VS

Criti Shield Family Shield

FY 2024-25: ~84%


Maternity Cover

Health Pulse Classic

Information Unavailable

VS

Criti Shield Family Shield

Maternity and pregnancy-termination expenses are listed among exclusions.

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?

End-to-End Support

End-to-End Support

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

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

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.

1-5 of 10 FAQs

Compare With Other Health Insurance Plans

Health Pulse Classic vs Supreme Senior Premium

Health Pulse Classic vs Energy Silver Without Copay

Health Pulse Classic vs Ultimate

Health Pulse Classic vs EquiCover

Health Pulse Classic vs Optima Secure Global Plus

Criti Shield Family Shield vs Supreme Senior Premium

Criti Shield Family Shield vs Energy Silver Without Copay

Criti Shield Family Shield vs Ultimate

Criti Shield Family Shield vs EquiCover

Criti Shield Family Shield vs Optima Secure Global Plus

Oneassure

Health Insurance

Compare Health Insurance Plans

Health Pulse Classic Vs Criti Shield Family Shield

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.