Oneassure

Partner with us

Insurance Plans Comparison

ICICI Lombard Health AdvantEdge vs Niva Bupa Health Pulse Classic

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

Read more
ICICI Lombard

Health AdvantEdge

Stay in any room category and restore 100% of the base sum insured even after only part of it is used, including for the same illness, along with a 20% cumulative bonus up to 100%.

What Makes It Special:

ICICI Lombard Health AdvantEdge is a comprehensive health insurance policy available through individual and family floater configurations. It covers eligible hospitalisation, daycare procedures, domiciliary hospitalisation, pre- and post-hospitalisation expenses, ambulance services and AYUSH treatment. The plan also provides wellness and preventive health check-up benefits, with optional features such as maternity...

Best For:

  • Buyers who want to evaluate optional maternity, teleconsultation or non-medical expense protection.

  • Customers interested in preventive health check-ups and wellness services.

  • Buyers who value restoration and loyalty benefits, subject to policy conditions.

  • Families who want to share a sum insured through a family floater policy.

  • Individuals looking for comprehensive health insurance with multiple sum insured options.

VS
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.

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

ICICI Lombard Health AdvantEdge

  • Confirm whether your preferred hospitals are in the current cashless network and verify the exact terms shown in your policy schedule.

  • Compare the additional premium and limits for optional maternity, Claim Protector and other add-on benefits before selecting them.

  • Check waiting periods for pre-existing diseases and listed conditions before relying on the policy for planned treatment.

  • Review the room-rent option carefully because selecting a room above the applicable entitlement may affect the claim settlement.

  • Select the Prime, Royal or Apex tier based on your required sum insured and the options currently offered.

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%.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health AdvantEdge
Health AdvantEdge

Health Insurance Plan

Brochure

Policy Wording

VS
Health Pulse Classic
Health Pulse Classic

Health Insurance Plan

Room Rent

Health AdvantEdge

Normal: Any category room; Up to Sum Insured

ICU: Up to Sum Insured

VS

Health Pulse Classic

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

Health AdvantEdge

Home care treatment, teleconsultations, domestic air ambulance, bariatric surgery, worldwide cover

VS

Health Pulse Classic

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

ICU Charges

Health AdvantEdge

Eligible ICU expenses are covered within the applicable sum insured and policy limits.

VS

Health Pulse Classic

Information Unavailable

Co-payment

Health AdvantEdge

0% co-payment

VS

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.

Disease-wise sublimits

Health AdvantEdge



VS

Health Pulse Classic

Information Unavailable

Waiting Period

Health AdvantEdge

Information Unavailable

VS

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. 
Cashless Healthcare Providers

Health AdvantEdge

Cashless treatment available at network hospitals

VS

Health Pulse Classic

10675+ network hospitals in India.

Restoration Benefit

Health AdvantEdge

Restore Benefit can restore up to 100% of the sum insured once in a policy year under the cited policy version, subject to the applicable claim conditions.

VS

Health Pulse Classic

Information Unavailable

Daycare Treatment

Health AdvantEdge

All daycare procedures covered

VS

Health Pulse Classic

Covered by the policy.

Cumulative Bonus

Health AdvantEdge

Guaranteed Cumulative Bonus of 20% of the sum insured for an eligible claim-free year under the cited policy version; accrued bonus is not reduced by a claim, subject to policy terms.

VS

Health Pulse Classic

Information Unavailable

AYUSH Treatment

Health AdvantEdge

Covered up to Sum Insured

VS

Health Pulse Classic

Covered by the policy.

Consumable Cover

Health AdvantEdge

Claim Protector is available as an optional cover for eligible non-medical expenses, subject to the selected option and policy terms.

VS

Health Pulse Classic

Information Unavailable

Initial Waiting Period

Health AdvantEdge

30 days for illnesses, except eligible accident-related hospitalisation.

VS

Health Pulse Classic

Information Unavailable

Specific Waiting Period

Health AdvantEdge

Generally 24 months for listed diseases and procedures, subject to the applicable wording.

VS

Health Pulse Classic

Information Unavailable

PED Waiting Period

Health AdvantEdge

Generally 24 months for declared and accepted pre-existing diseases under the cited policy version; confirm the applicable plan and policy schedule.

VS

Health Pulse Classic

Information Unavailable

Modern Treatment

Health AdvantEdge

Listed modern treatments are covered subject to the applicable plan limits and policy wording.

VS

Health Pulse Classic

Information Unavailable

Annual Health Checkup

Health AdvantEdge

Preventive health check-up coupons are available under the cited policy version for eligible insured adults; package and usage conditions apply.

VS

Health Pulse Classic

Information Unavailable

Pre-Hospitalisation

Health AdvantEdge

Covered for the period specified in the applicable policy wording; verify the exact duration for the current UIN.

VS

Health Pulse Classic

Information Unavailable

Post-Hospitalisation

Health AdvantEdge

Covered for the period specified in the applicable policy wording; confirm the exact limit for the current UIN.

VS

Health Pulse Classic

Information Unavailable

Outpatient Department Cover (OPD Expense)

Health AdvantEdge

Not a blanket standard OPD reimbursement benefit. Optional BeFit/OPD-related cover may be available with eligible configurations.

VS

Health Pulse Classic

Information Unavailable

Deductible Option

Health AdvantEdge

A voluntary deductible may be available under selected configurations; confirm the amount and terms in the policy schedule.

VS

Health Pulse Classic

Information Unavailable

Coverage Options

Health AdvantEdge

Prime, Royal and Apex plan tiers, with individual and family floater options and optional benefits.

VS

Health Pulse Classic

Information Unavailable

Claim Settlement Ratio

Health AdvantEdge

FY 24-25: ~84%

VS

Health Pulse Classic

Information Unavailable

Maternity Cover

Health AdvantEdge

Optional maternity benefit may cover eligible maternity expenses up to 10% of annual sum insured, capped at ₹1 lakh; newborn expenses may be covered over and above this limit, subject to policy terms.

VS

Health Pulse Classic

Information Unavailable

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 AdvantEdge vs Supreme Senior Premium

Health AdvantEdge vs Energy Silver Without Copay

Health AdvantEdge vs Ultimate

Health AdvantEdge vs EquiCover

Health AdvantEdge vs Optima Secure Global Plus

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

Oneassure

Health Insurance

Compare Health Insurance Plans

Health Advantedge Vs Health Pulse Classic

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.