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Insurance Plans Comparison

Niva Bupa Reassure 3.0 vs ICICI Lombard Health AdvantEdge Plus

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 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.

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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.

  • 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.

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 Plus
Health AdvantEdge Plus

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 Plus

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

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

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 Plus

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

Advanced Treatments

Reassure 3.0

Information Unavailable

VS

Health AdvantEdge Plus

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

Co payment is applicable as chosen by the insured. 

It allows the insured to opt for 10% or 20% 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 Plus

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

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 Plus

Information Unavailable

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 Plus

10,000+ Healthcare Providers across India 

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 Plus

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

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 Plus

Covered. Requires hospitalization of more than 24 Hours.

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 Plus

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

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 Plus

AYUSH is 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 Plus

30 days for illnesses; accidental hospitalisation exempt.

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 Plus

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

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

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 Plus

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

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 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.

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 Plus



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 Plus

Up to 180 days under the historical Apex Plus brochure.

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 Plus

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

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 Plus

Not verified for this variant.

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 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.

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 Plus

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 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.

Insurance Plans Comparison

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