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Insurance Plans Comparison

ICICI Lombard Health AdvantEdge Plus vs Niva Bupa Aspire Titanium+

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

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ICICI Lombard

Health AdvantEdge Plus

Cover pre-existing diseases with no waiting period, reset the sum insured unlimited times for any illness after the first claim, once only at ₹5 lakh or seven-and-a-half lakh, and keep a 20% cumulative bonus up to 100% after a claim.

What Makes It Special:

The Royal Plus Plan under ICICI Lombard Health AdvantEdge offers sum insured options from ₹5 lakh to ₹3 crore, along with eligible hospitalisation, daycare, AYUSH, home care and pre- and post-hospitalisation benefits. Its distinguishing features include a guaranteed cumulative bonus, reset benefit, and Claim Protector at specified sum insured levels....

Best For:

  • Buyers who want to compare higher sum insured options and additional benefits against their budget and coverage needs.

  • Families considering optional maternity-related benefits, subject to eligibility and waiting periods.

  • People looking for a cumulative bonus that can increase cover over eligible claim-free periods.

  • Buyers who value a restore benefit for eligible subsequent claims in the same policy year.

  • People seeking cover for eligible hospitalisation and day-care treatment expenses.

VS
Niva Bupa

Aspire Titanium+

Flexible health insurance with enhanced accumulation benefits and age-linked premium protection.

What Makes It Special:

Niva Bupa Aspire Titanium+ combines substantial carry-forward coverage through Booster+ with Lock the Clock+, which keeps premiums linked to entry age until a claim is paid. It also provides hospitalisation coverage and access to optional benefits, subject to policy terms.

Best For:

  • Buyers who want optional OPD, consumables or international treatment benefits where available.

  • People planning ahead for eligible maternity-related expenses.

  • Families looking for comprehensive hospitalisation coverage.

  • Individuals who want premiums linked to their entry age until a claim is paid.

  • People seeking high carry-forward coverage over multiple policy years.

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 Plus

  • Compare the cost and waiting conditions of optional maternity and non-medical-expense benefits before adding them.

  • Check the restore benefit's trigger and restrictions rather than assuming it can pay every subsequent claim.

  • Confirm whether the selected sum insured and policy version provide the room category and ICU cover you expect.

  • Review the 2-year PED waiting period and disclose all existing medical conditions when applying.

  • Check the UIN and policy schedule before purchase because the publicly available Apex Plus material is historical.

Niva Bupa Aspire Titanium+

  • Review room eligibility, co-payment, deductible and optional add-ons before buying.

  • Compare the PED and specific-disease waiting periods applicable to your selected schedule.

  • Check the 9-month M-iracle waiting period and the benefit's limits before relying on maternity coverage.

  • Review the Lock the Clock+ conditions to understand when premiums may change.

  • Consider Titanium+ if maximising unused Sum Insured accumulation is a priority.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health AdvantEdge Plus
Health AdvantEdge Plus

Health Insurance Plan

Brochure

Policy Wording

VS
Aspire Titanium+
Aspire Titanium+

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Health AdvantEdge Plus

  1. Normal: No Limit 
  2. ICU: No Limit 

    If the sum insured health insurance policy is Rs.5 Lakh or above.

VS

Aspire Titanium+

All room categories are covered

Advanced Treatments

Health AdvantEdge Plus

  1. Oral Chemotherapy 
  2.  Robotic Surgeries 
  3. Stem Cell Therapy 
VS

Aspire Titanium+

Information Unavailable

ICU Charges

Health AdvantEdge Plus

Up to sum insured for Apex Plus, subject to the applicable wording.

VS

Aspire Titanium+

No restriction on ICU room rent

Co-payment

Health AdvantEdge Plus

Co payment is applicable as chosen by the insured. 

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

VS

Aspire Titanium+

Available as an option

Disease-wise sublimits

Health AdvantEdge Plus

Certain benefits have specific limits, including ambulance, animal-bite vaccination, bariatric surgery and home-care treatment. Other limits depend on the policy terms.

VS

Aspire Titanium+

No

Cashless Healthcare Providers

Health AdvantEdge Plus

10,000+ Healthcare Providers across India 

VS

Aspire Titanium+

10,000+ Healthcare Providers

Restoration Benefit

Health AdvantEdge Plus

Information Unavailable

VS

Aspire Titanium+

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

Daycare Treatment

Health AdvantEdge Plus

Covered. Requires hospitalization of more than 24 Hours.

VS

Aspire Titanium+

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

Cumulative Bonus

Health AdvantEdge Plus

Guaranteed cumulative bonus: 20% of sum insured, up to 100%, under the historical Apex Plus brochure.

VS

Aspire Titanium+

Unutilised sum insured can be carried forward up to 10X (entry age 18–35 yrs), 5X (entry age 36–45 yrs), and 3X (entry age 46+ yrs)

AYUSH Treatment

Health AdvantEdge Plus

AYUSH is covered up to Sum Insured.

VS

Aspire Titanium+

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

Consumable Cover

Health AdvantEdge Plus

Listed non-medical expenses may require the optional Claim Protector benefit; verify the applicable schedule.

VS

Aspire Titanium+

No. However, available as an add-on

Initial Waiting Period

Health AdvantEdge Plus

30 days for illnesses; accidental hospitalisation exempt.

VS

Aspire Titanium+

30 days

Specific Waiting Period

Health AdvantEdge Plus

2 years for specified diseases and procedures, subject to the policy wording.

VS

Aspire Titanium+

2 years

PED Waiting Period

Health AdvantEdge Plus

2 years, subject to disclosure and acceptance by the insurer.

VS

Aspire Titanium+

3 years

Modern Treatment

Health AdvantEdge Plus

Covered up to sum insured, subject to policy terms and exclusions.

VS

Aspire Titanium+

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

Annual Health Checkup

Health AdvantEdge Plus

Annual benefit from the first year; historical brochure specifies up to 0.5% of sum insured, capped at ₹10,000, on a cashless basis.

VS

Aspire Titanium+

Health check-up is available once every policy year, from day 1 of the policy

Pre-Hospitalisation

Health AdvantEdge Plus



VS

Aspire Titanium+

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

Post-Hospitalisation

Health AdvantEdge Plus

Up to 180 days under the historical Apex Plus brochure.

VS

Aspire Titanium+

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)

Health AdvantEdge Plus

General OPD cover not verified. Teleconsultations are listed in the historical brochure as an included value-added service.

VS

Aspire Titanium+

OPD expense is not included as part of base cover. However, you can opt for an add-on to avail this coverage

Deductible Option

Health AdvantEdge Plus

Not verified for this variant.

VS

Aspire Titanium+

Available as an option

Coverage Options

Health AdvantEdge Plus

Individual/family cover; historical Apex Plus brochure also lists worldwide cover for sum insured of ₹25 lakh and above. Confirm current availability and conditions.

VS

Aspire Titanium+

Available coverage options: 3L, 5L, 7.5L, 10L, 15L, 20L, 25L, 50L, 1cr

Claim Settlement Ratio

Health AdvantEdge Plus

FY 24-25: ~84%

VS

Aspire Titanium+

92.02%

Maternity Cover

Health AdvantEdge Plus

Optional; historical brochure specifies 10% of base sum insured, capped at ₹10 lakh, for up to 3 deliveries. Waiting periods and eligibility must be checked in the applicable wording.

VS

Aspire Titanium+

Available

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?

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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.

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