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Insurance Plans Comparison

ICICI Lombard Health Elite Plus vs Niva Bupa Health Recharge Super Top Up Plan

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

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ICICI Lombard

Health Elite Plus

Get a single private room and reset up to 100% of the sum insured once for the same illness and unlimited times for a different illness, with a 20% loyalty bonus up to 100% that stays after a claim.

What Makes It Special:

ICICI Lombard Health Elite Plus offers an unlimited reset benefit that can replenish up to 100% of the base sum insured when the available cover becomes insufficient after previous claims. It can be used unlimited times for different illnesses and once for the same illness, subject to policy conditions. The plan...

Best For:

  • Buyers who want the option to add specific benefits, such as worldwide hospitalisation cover or outpatient services, subject to eligibility and additional premium.

  • Customers seeking benefits such as donor expenses, domiciliary hospitalisation and air ambulance cover.

  • People who value a guaranteed cumulative bonus that can increase their available cover over time.

  • Buyers who want a reset benefit for eligible subsequent hospitalisation claims.

  • Individuals or families looking for a health insurance plan with multiple sum insured options.

VS
Niva Bupa

Health Recharge Super Top Up Plan

Get super top-up cover of up to ₹95 lakh above an annual deductible of ₹1 lakh to ₹10 lakh, for inpatient care, all day-care treatments and 60 days before admission plus 90 days after discharge.

What Makes It Special:

A super top-up health insurance plan designed to add substantial cover above an annual aggregate deductible, with eligible Base Sum Insured options up to ₹95 Lakh.

Best For:

  • High coverage for seniors and their families

  • Easy cashless service across hospitals nationwide

  • Covers daycare and hospital treatments

  • Extra add-ons for enhanced protection

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 Elite Plus

  • If you need worldwide cover or other add-ons, confirm their availability, waiting periods, limits and additional premium before purchasing.

  • If you opt for voluntary co-payment or treatment outside your selected pricing zone, account for the applicable out-of-pocket share.

  • If you expect to use outpatient services, confirm whether the optional BeFit cover is selected and what its specific limits include.

  • If you have a pre-existing condition, check the 24-month waiting period and disclose your medical history accurately.

  • Choose a sum insured that fits your expected medical costs and check how room eligibility changes at the ₹20 lakh threshold.

Niva Bupa Health Recharge Super Top Up Plan

  • Prefer daily coverage for pharmacy & diagnostics

  • Want flexible deductible options for lower premiums

  • Need cashless treatment at large hospital network

  • Prefer 60-day pre & 90-day post-hospital care

  • You want coverage up to ₹95 lakhs

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Elite Plus
Health Elite Plus

Health Insurance Plan

Brochure

Policy Wording

VS
Health Recharge Super Top Up Plan
Health Recharge Super Top Up Plan

Health Insurance Plan

Room Rent

Health Elite Plus

  1. Normal: Covered Up to Sum Insured
  2. ICU: Covered up to sum insured
VS

Health Recharge Super Top Up Plan

Accomodation up to 1% of Base Sum Insured per day is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category

Advanced Treatments

Health Elite Plus

  1. Oral chemotherapy
  2. Robotic surgeries
  3. Stem cell therapy
VS

Health Recharge Super Top Up Plan

Information Unavailable

ICU Charges

Health Elite Plus

Not verified for the exact current variant configuration.

VS

Health Recharge Super Top Up Plan

No restriction on ICU room rent

Co-payment

Health Elite Plus

Insured can choose 10% or 20% co-payment, allowing cost-sharing for lower premium expenses.

VS

Health Recharge Super Top Up Plan

Not Available

Disease-wise sublimits

Health Elite Plus

Cataract treatment is limited to 10% of the sum insured, up to ₹1 lakh per eye, after the applicable two-year period. Other applicable limits and exclusions must be checked in the policy wording.

VS

Health Recharge Super Top Up Plan

No

Cashless Healthcare Providers

Health Elite Plus

10,000+ Cashless Healthcare Providers

VS

Health Recharge Super Top Up Plan

Information Unavailable

Restoration Benefit

Health Elite Plus

Reset of up to 100% of the base sum insured, unlimited times for different illnesses and once for the same illness. It does not trigger on the first claim and is subject to the policy conditions.

VS

Health Recharge Super Top Up Plan

Not Available

Daycare Treatment

Health Elite Plus

Covers procedures requiring less than 24-hour hospitalization, like cataract surgery and chemotherapy.

VS

Health Recharge Super Top Up Plan

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

Cumulative Bonus

Health Elite Plus

Loyalty bonus is described in the available policy information; current applicable rate and maximum require verification.

VS

Health Recharge Super Top Up Plan

Your sum insured increases by 5% every year, maximum up to 50%

AYUSH Treatment

Health Elite Plus

Coverage for Ayurveda, Yoga, Unani, Siddha, and Homeopathy at government-recognized institutions.

VS

Health Recharge Super Top Up Plan

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

Consumable Cover

Health Elite Plus

Not verified as a standard benefit for the exact current variant.

VS

Health Recharge Super Top Up Plan

Yes

Initial Waiting Period

Health Elite Plus

30 days for illnesses from the start of the policy; accidents are excluded from this waiting-period restriction.

VS

Health Recharge Super Top Up Plan

30 days.

Specific Waiting Period

Health Elite Plus

24 months for specified diseases and procedures listed in the policy.

VS

Health Recharge Super Top Up Plan

2 years

PED Waiting Period

Health Elite Plus

24 months for declared and accepted pre-existing diseases, subject to policy terms and applicable portability rules.

VS

Health Recharge Super Top Up Plan

3 years

Modern Treatment

Health Elite Plus

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

VS

Health Recharge Super Top Up Plan

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

Annual Health Checkup

Health Elite Plus

Preventive health check-up available at designated centres, subject to policy conditions.

VS

Health Recharge Super Top Up Plan

Not Available

Pre-Hospitalisation

Health Elite Plus

60 days


VS

Health Recharge Super Top Up Plan

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

Post-Hospitalisation

Health Elite Plus

180 days.

VS

Health Recharge Super Top Up Plan

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)

Health Elite Plus

Not included as a general unlimited standard benefit. Optional BeFit provides specified outpatient consultations and related benefits on a cashless basis, according to the selected plan.

VS

Health Recharge Super Top Up Plan

OPD expenses are covered

Deductible Option

Health Elite Plus

No deductible option.

VS

Health Recharge Super Top Up Plan

Available

Coverage Options

Health Elite Plus

Individual and family floater options, with sum insured options from ₹5 lakh to ₹3 crore.

VS

Health Recharge Super Top Up Plan

Available coverage options: ₹2L, 3L, 4L, 5L, 7.5L, 10L, 15L, 25L, 40L, 45L, 65L, 70L, 90L, 95L.

Claim Settlement Ratio

Health Elite Plus

Information Unavailable

VS

Health Recharge Super Top Up Plan

92.02%

Maternity Cover

Health Elite Plus

Childbirth-related medical expenses are excluded, except ectopic pregnancy, as stated in the exclusions.

VS

Health Recharge Super Top Up Plan

Not 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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From choosing the right policy to managing claims, every step is handled for you

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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

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