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Insurance Plans Comparison

Niva Bupa Reassure 3.0 vs ICICI Lombard Health AdvantEdge

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

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Niva Bupa

Reassure 3.0

Carry unused base sum insured forward up to 10 times, and unless unlimited sum insured is chosen, the first paid claim triggers a lifelong refill of up to the base sum insured for every later claim.

What Makes It Special:

ReAssure 3.0 is a customisable health insurance plan from Niva Bupa, available in four variants: Classic, Select, Elite and Black. The variants offer Base Sum Insured options of ₹5 lakh, ₹10 lakh or Unlimited. The plan includes hospitalisation cover for stays of 2 hours or more, pre- and post-hospitalisation benefits,...

Best For:

  • Buyers who want to customise waiting periods, co-payment, deductibles and optional benefits.

  • Customers who value restoration and carry-forward features, subject to the selected Sum Insured option.

  • People who want the option of Unlimited Sum Insured.

  • Families looking for a floater policy covering up to 6 members.

  • Buyers who want to choose a variant based on room eligibility and budget.

VS
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.

Insurance Plans Comparison

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Quick Decision Guide

  • Classic and Select have room-category limits and a ₹1 lakh per-claim modern treatment limit. Lock the Clock is available only with Elite and Black.

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

  • Maternity expenses are excluded.

  • Listed specific diseases and procedures have a 24-month waiting period unless modified.

  • The standard pre-existing disease waiting period is 36 months unless modified through an eligible option.

  • Waiting periods, co-payment, deductibles and several optional benefits can be customised.

  • ReAssure Forever provides unlimited reinstatements after the first paid claim when eligible.

  • Booster+ can carry forward unused Base Sum Insured up to 10 times for the ₹5 lakh and ₹10 lakh options.

  • Hospitalisation of 2 hours or more is covered, subject to policy terms.

  • Unlimited Sum Insured is available across all four variants.

  • 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.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Reassure 3.0
Reassure 3.0

Health Insurance Plan

VS
Health AdvantEdge
Health AdvantEdge

Health Insurance Plan

Room Rent

Reassure 3.0

General Ward. Select: up to Twin Sharing. Elite: all rooms except Deluxe and Suite. Black: no room-category capping. Choosing a room above the eligible category can result in co-payment on the entire claim, as specified in the policy annexure.

VS

Health AdvantEdge

Normal: Any category room; Up to Sum Insured

ICU: Up to Sum Insured

ICU Charges

Reassure 3.0

Covered within hospitalisation expenses up to the Sum Insured. No separate ICU sub-limit is stated in the policy wording

VS

Health AdvantEdge

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

Advanced Treatments

Reassure 3.0

Information Unavailable

VS

Health AdvantEdge

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

Co-payment

Reassure 3.0

No mandatory co-payment applies under the base plan. Room-category co-payment can apply if the insured chooses a room above the variant's eligibility. Optional voluntary co-payment ranges from 0% to 50%. A 20% co-payment may apply when HeadsUp or Tiered Network conditions are not met.

VS

Health AdvantEdge

0% co-payment

Disease-wise sublimits

Reassure 3.0

No general disease-wise sublimits are stated. Classic and Select have a ₹1 lakh per-claim limit for modern treatments. Cataract treatment under these variants is limited to a monofocal lens, subject to policy wording.

VS

Health AdvantEdge



Restoration Benefit

Reassure 3.0

ReAssure Forever is triggered after the first paid claim and provides unlimited reinstatements, with each claim covered up to the Base Sum Insured. It remains available for life if the policy is renewed without a break. This benefit applies only when Unlimited Sum Insured has not been selected.

VS

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.

Cashless Healthcare Providers

Reassure 3.0

Cashless treatment is available at Niva Bupa network hospitals. The insurer also describes a Cashless Everywhere facility for non-network hospitals, subject to its process and applicable terms. Current network hospital count requires verification.

VS

Health AdvantEdge

Cashless treatment available at network hospitals

Cumulative Bonus

Reassure 3.0

Booster+ carries forward unused Base Sum Insured into the next policy year, accumulating up to 10 times the Base Sum Insured. This applies to the ₹5 lakh and ₹10 lakh options. Its treatment with Unlimited Sum Insured requires confirmation

VS

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.

Daycare Treatment

Reassure 3.0

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

VS

Health AdvantEdge

All daycare procedures covered

Consumable Cover

Reassure 3.0

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


VS

Health AdvantEdge

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

AYUSH Treatment

Reassure 3.0

In-patient AYUSH treatment is covered up to the Sum Insured for admissions of 24 hours or more in an AYUSH hospital, subject to policy terms.

VS

Health AdvantEdge

Covered up to Sum Insured

Initial Waiting Period

Reassure 3.0

30 days, with accidents covered from Day 1. Optional modifications can reduce the initial waiting period to 7, 10 or 15 days.

VS

Health AdvantEdge

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

Specific Waiting Period

Reassure 3.0

24 months for listed diseases and procedures. Accidents are covered from Day 1, and cancer is covered after 30 days, subject to policy terms. An optional modification can change the specific waiting period to 12 or 36 months.


VS

Health AdvantEdge

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

PED Waiting Period

Reassure 3.0

36 months for pre-existing diseases. Optional modifications can reduce this to 12 or 24 months. Day 1 PED cover may be available with additional premium loading, subject to underwriting and acceptance.

VS

Health AdvantEdge

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

Modern Treatment

Reassure 3.0

Classic and Select: up to ₹1 lakh per claim, removable with the optional Modern Treatments+ benefit. Elite and Black: covered up to the Sum Insured. Covers 12 listed modern treatments, including robotic surgery, oral chemotherapy and stem cell therapy

VS

Health AdvantEdge

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

Annual Health Checkup

Reassure 3.0

Available as an optional benefit, with Cashless Only or Cashless + Reimbursement options, once per policy year from Day 1. The policy annexure lists variant-wise packages ranging from 7 tests for Classic to 18 tests for Black. Exact package mapping requires confirmation.

VS

Health AdvantEdge

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

Pre-Hospitalisation

Reassure 3.0

Covered for 60 days before hospitalisation, up to the Sum Insured. Optional modifications may change this period to 30, 90 or 180 days.

VS

Health AdvantEdge

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

Post-Hospitalisation

Reassure 3.0

Covered for 180 days after hospital discharge, up to the Sum Insured. Optional modifications may change the period to 30, 60, 90, 270 or 365 days.

VS

Health AdvantEdge

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

Outpatient Department Cover (OPD Expense)

Reassure 3.0

OPD expenses are not covered under the base plan. Optional WellConsult+ provides an OPD limit linked to 1x to 5x of the base premium, with a 20% co-payment on reimbursement claims. Unlimited e-consultations are included in the base plan.

VS

Health AdvantEdge

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

Deductible Option

Reassure 3.0

Optional annual aggregate deductible of ₹10,000, ₹20,000, ₹30,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹4 lakh or ₹5 lakh. The deductible cannot be combined with voluntary co-payment.

VS

Health AdvantEdge

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

Coverage Options

Reassure 3.0

Base Sum Insured options of ₹5 lakh, ₹10 lakh or Unlimited. Available on an individual, multi-individual or family floater basis, covering up to 6 members. Policy terms range from 1 to 5 years.

VS

Health AdvantEdge

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

Claim Settlement Ratio

Reassure 3.0

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 ReAssure 3.0-only figure. Niva Bupa's company-level figure was 94.4% for FY 2025-26.

VS

Health AdvantEdge

FY 24-25: ~84%

Maternity Cover

Reassure 3.0

Maternity expenses are excluded under the standard policy terms. No maternity-specific optional benefit was identified in the reviewed documents.

VS

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.

Insurance Plans Comparison

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