Oneassure

Partner with us

Insurance Plans Comparison

ICICI Lombard Health Elite vs Niva Bupa Aspire Platinum+

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

Read more
ICICI Lombard

Health Elite

Include maternity after 3 years and outpatient treatment, pay hospital daily cash for a stay of at least 3 days, and add a 10% cumulative bonus each claim-free year, up to 50% of the sum insured.

What Makes It Special:

ICICI Lombard Health Elite is a comprehensive health insurance option with benefits that may include in-patient treatment, daycare procedures, pre- and post-hospitalisation expenses, outpatient treatment and maternity cover, depending on the applicable policy version and selected configuration.

Best For:

  • Buyers comparing sum insured options, reset benefits, waiting periods and policy-specific restrictions before choosing a plan.

  • Families evaluating maternity and newborn-related benefits, subject to eligibility and waiting periods.

  • Individuals who want to compare available outpatient treatment benefits and their applicable limits.

  • Buyers looking for a policy with additional healthcare benefits beyond basic hospitalisation cover.

  • Individuals seeking health insurance for eligible hospitalisation and daycare expenses.

VS
Niva Bupa

Aspire Platinum+

Health insurance with high cumulative cover, maternity benefits and premium protection linked to entry age.

What Makes It Special:

Niva Bupa Aspire Platinum+ combines comprehensive hospitalisation coverage with Booster+ accumulation of unused Base Sum Insured, ReAssure Forever and Lock the Clock. It also includes M-iracle maternity-related benefits with a 9-month waiting period, subject to eligibility, limits and policy conditions.

Best For:

  • Buyers seeking broad hospitalisation and eligible day-care coverage.

  • People who want their premium to remain linked to their entry age until a qualifying claim is paid.

  • Buyers who value additional cover after an eligible claim.

  • Individuals and families planning for eligible maternity-related expenses.

  • People looking to build up unused health cover over successive 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 Elite

  • Match the policy UIN and schedule to the exact Health Elite version being offered, because benefits may differ between versions.

  • Confirm whether outpatient treatment, maternity and newborn benefits are included in your chosen configuration and check their limits.

  • Review waiting periods for pre-existing diseases, specified treatments and maternity benefits before relying on the policy.

  • Check room eligibility, hospitalisation limits and exclusions to understand the expenses the policy may leave you paying.

  • Choose a sum insured that reflects potential hospitalisation expenses and the number of people covered.

Niva Bupa Aspire Platinum+

  • Compare premiums and waiting periods against other Aspire variants before choosing.

  • Check the policy schedule for room category, co-payment, deductible and any optional benefits.

  • Understand that ReAssure Forever is triggered by the first paid eligible claim and has a per-claim limit.

  • Review the 9-month M-iracle waiting period and the benefit’s eligibility conditions before relying on maternity cover.

  • Choose this variant if Booster+ accumulation is a priority and you understand its age-based limits.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Elite
Health Elite

Health Insurance Plan

Brochure

Policy Wording

VS
Aspire Platinum+
Aspire Platinum+

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Health Elite

Information Unavailable

VS

Aspire Platinum+

All room categories are covered

Advanced Treatments

Health Elite

  1. Stem Cell Therapy
  2. Robotic Surgeries
  3. Oral Chemotherapy
  4. Deep Brain Stimulation
  5. Bronchial Thermoplasty
  6. Intra Operative Neuro Monitoring (IONM)
VS

Aspire Platinum+

Information Unavailable

ICU Charges

Health Elite

Covered under eligible in-patient hospitalisation, subject to the applicable sum insured and policy conditions.

VS

Aspire Platinum+

No restriction on ICU room rent

Co-payment

Health Elite

Policyholders can opt for a co-payment of 10% or 20%, sharing a fixed percentage of the claim amount, which can help reduce premium costs.

VS

Aspire Platinum+

Available as an option

Disease-wise sublimits

Health Elite

Specific limits depend on the applicable policy wording, sum insured and benefit configuration. A complete variant-specific list has not been verified.

VS

Aspire Platinum+

No

Cashless Healthcare Providers

Health Elite

Access to over 6,700 network hospitals and clinics for cashless treatments, ensuring convenient and hassle-free medical care.

VS

Aspire Platinum+

10,000+ Healthcare Providers

Restoration Benefit

Health Elite

Published Health Elite materials list an unlimited reset benefit. The precise trigger, eligible claims and conditions must be confirmed against the applicable policy wording.

VS

Aspire Platinum+

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 Elite

Covers medical procedures requiring less than 24-hour hospitalization, such as cataract surgery and chemotherapy, accommodating treatments that don't necessitate extended hospital stays.

VS

Aspire Platinum+

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

Cumulative Bonus

Health Elite

Published Health Elite materials list Additional Sum Insured and a Super No Claim Bonus option. The applicable benefit percentage and conditions are not verified for this variant.

VS

Aspire Platinum+

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 Elite

Expenses for alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered when availed at government-recognized institutions, promoting holistic healthcare options.

VS

Aspire Platinum+

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

Consumable Cover

Health Elite

Published Health Elite materials list Additional Sum Insured and a Super No Claim Bonus option. The applicable benefit percentage and conditions are not verified for this variant.

VS

Aspire Platinum+

No. However, available as an add-on

Initial Waiting Period

Health Elite

The insurer's general health insurance information states 30 days for illness-related hospitalisation, except accidents. Confirm the exact Health Elite policy terms.

VS

Aspire Platinum+

30 days

Specific Waiting Period

Health Elite

The exact waiting period for specified diseases and procedures is not verified for this variant.

VS

Aspire Platinum+

2 years
 

PED Waiting Period

Health Elite

The exact waiting period for specified diseases and procedures is not verified for this variant.

VS

Aspire Platinum+

3 years
 

Modern Treatment

Health Elite

Listed as a covered category in the older Complete Health Insurance policy information, subject to the applicable policy terms and limits.

VS

Aspire Platinum+

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

Annual Health Checkup

Health Elite

Health check-up is listed in published Health Elite materials. Eligibility, frequency and monetary limits are not verified for this exact variant.

VS

Aspire Platinum+

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

Pre-Hospitalisation

Health Elite

Up to 30 days according to the published Health Elite product comparison, subject to policy terms.

VS

Aspire Platinum+

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

Up to 60 days according to the published Health Elite product comparison, subject to policy terms.

VS

Aspire Platinum+

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 Elite

Outpatient Treatment Cover is listed in published Health Elite materials. The limit depends on the applicable sum insured and policy configuration.

VS

Aspire Platinum+

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 Elite

A voluntary deductible may be available under applicable ICICI Lombard health products, but its availability for this Health Elite variant is not verified.

VS

Aspire Platinum+

Available as an option

Coverage Options

Health Elite

Information Unavailable

VS

Aspire Platinum+

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

Claim Settlement Ratio

Health Elite

FY 24-25: ~84%

VS

Aspire Platinum+

92.02%

Maternity Cover

Health Elite

Published materials list multiple sum insured options, including ₹5 lakh, ₹7 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh, ₹25 lakh and ₹50 lakh. Availability varies by policy version.

VS

Aspire Platinum+

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?

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 Elite vs Supreme Senior Premium

Health Elite vs Energy Silver Without Copay

Health Elite vs Ultimate

Health Elite vs EquiCover

Health Elite vs Optima Secure Global Plus

Aspire Platinum+ vs Supreme Senior Premium

Aspire Platinum+ vs Energy Silver Without Copay

Aspire Platinum+ vs Ultimate

Aspire Platinum+ vs EquiCover

Aspire Platinum+ vs Optima Secure Global Plus

Oneassure

Health Insurance

Compare Health Insurance Plans

Health Elite Vs Aspire Platinum+

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.