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Insurance Plans Comparison

ICICI Lombard Health Elite 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 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 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 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 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 Elite
Health Elite

Health Insurance Plan

Brochure

Policy Wording

VS
Aspire Titanium+
Aspire Titanium+

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Health Elite

Information Unavailable

VS

Aspire Titanium+

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 Titanium+

Information Unavailable

ICU Charges

Health Elite

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

VS

Aspire Titanium+

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 Titanium+

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 Titanium+

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 Titanium+

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 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 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 Titanium+

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 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 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 Titanium+

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 Titanium+

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 Titanium+

30 days

Specific Waiting Period

Health Elite

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

VS

Aspire Titanium+

2 years

PED Waiting Period

Health Elite

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

VS

Aspire Titanium+

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 Titanium+

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 Titanium+

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 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 Elite

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

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 Elite

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

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 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 Titanium+

Available as an option

Coverage Options

Health Elite

Information Unavailable

VS

Aspire Titanium+

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

Claim Settlement Ratio

Health Elite

FY 24-25: ~84%

VS

Aspire Titanium+

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 Titanium+

Available

Insurance Plans Comparison

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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

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  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

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  • 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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