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Insurance Plans Comparison

Niva Bupa Health Assurance vs ICICI Lombard Complete Health Insurance Health Protect Plus Plan

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

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Niva Bupa

Health Assurance

Choose a listed critical-illness lump sum, accident cover and daily hospital cash as fixed benefits you can combine, with hospital cash paid for each day in hospital up to 45 days a year.

What Makes It Special:

Health Assurance is a Niva Bupa family plan made up of three separate covers. CritiCare pays a lump sum for listed critical illnesses. HospiCash pays a fixed daily cash amount during hospitalisation. AccidentCare pays for accidental death, permanent disability and temporary disability.

Best For:

  • Buyers who want lifelong renewal on all three covers

  • Parents who want child education benefits paid on an accidental death or permanent disability of the proposer

  • Working adults who want accident death, disability and income-loss cover

  • Buyers who want daily cash to cover incidental costs during a hospital stay

  • Families who want a lump sum if a listed critical illness is diagnosed

VS
ICICI Lombard

Complete Health Insurance Health Protect Plus Plan

Cover maternity, a newborn and outpatient treatment together with hospital daily cash and a convalescence benefit, and reset up to 100% of the sum insured once in a policy year for a later unrelated illness.

What Makes It Special:

Health Protect Plus is a plan under ICICI Lombard Complete Health Insurance that combines inpatient hospitalisation cover with eligible daycare procedures, inpatient AYUSH treatment, pre- and post-hospitalisation expenses, and a reset benefit. The plan-specific Key Information Sheet also lists maternity cover after a 36-month waiting period, newborn baby cover following...

Best For:

  • Customers comparing hospitalisation benefits with optional critical illness, donor expense or personal accident covers.

  • Buyers who value a limited combined allowance for outpatient treatment and wellness expenses.

  • Policyholders who want a reset benefit after eligible use of the sum insured.

  • Eligible couples seeking maternity benefits with a three-year waiting period and defined delivery limits.

  • Buyers looking for inpatient hospitalisation and eligible daycare treatment cover.

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

  • The sum insured for AccidentCare and TTD is linked to annual income, so check the limits against your income.

  • Only 2 adults can be covered under a CritiCare family option, so check this before buying for a larger family.

  • AccidentCare has no waiting period, but it is available only to Risk Class 1 and 2 occupations, with a 50% loading for Risk Class 2.

  • HospiCash pays a fixed daily amount for up to 45 days a year, so it does not reimburse hospital bills.

  • CritiCare does not start for 90 days, and a 36-month PED wait applies, so buy early if you have a condition.

  • Confirm which optional covers have actually been selected and paid for; critical illness, donor expenses and personal accident cover should not be assumed to be included automatically.

  • Treat the ₹5,000 outpatient and wellness allowance as a combined floater limit, not a separate limit for each benefit.

  • Review the cataract sub-limit carefully, as the applicable limit depends on the selected sum insured.

  • If maternity cover matters, check the 36-month waiting period, the requirement for both spouses to be insured and the delivery-related sub-limits.

  • Verify the sum insured and room-rent limits in the policy schedule before comparing premiums or coverage.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Assurance
Health Assurance

Health Insurance Plan

VS
Complete Health Insurance Health Protect Plus Plan
Complete Health Insurance Health Protect Plus Plan

Health Insurance Plan

Brochure

Room Rent

Health Assurance

Normal: Covered up to Sum Insured

ICU: Covered up to Sum Insured

VS

Complete Health Insurance Health Protect Plus Plan

ICICI Health Protect Plus offers coverage for room rent, including both normal and ICU hospitalization, without any sub-limits.

Advanced Treatments

Health Assurance

Modern Treatments covered up to Sum Insured

VS

Complete Health Insurance Health Protect Plus Plan

Covers advanced treatments, including robotic surgeries, stem cell therapy (if medically necessary), oral chemotherapy, and modern procedures like targeted therapy.

ICU Charges

Health Assurance

Under HospiCash, the ICU cash benefit is double the daily cash benefit for ICU stays, up to 7 days a year.

VS

Complete Health Insurance Health Protect Plus Plan

Covered under inpatient treatment, subject to applicable policy terms and limits.

Co-payment

Health Assurance

Optional co-payment available

VS

Complete Health Insurance Health Protect Plus Plan

Does not have a mandatory co-payment for most treatments. However, co-payment may apply for senior citizens or specific medical conditions as per policy terms.

Disease-wise sublimits

Health Assurance

Information Unavailable

VS

Complete Health Insurance Health Protect Plus Plan

Cataract: ₹20,000 per eye per policy year for sum insured up to ₹5 lakh; ₹1 lakh per eye per policy year for sum insured above ₹5 lakh.

Cashless Healthcare Providers

Health Assurance

10,000+ Network Hospitals

VS

Complete Health Insurance Health Protect Plus Plan

10,896+ hospitals across india 

Restoration Benefit

Health Assurance

Information Unavailable

VS

Complete Health Insurance Health Protect Plus Plan

Reset Benefit restores up to 100% of sum insured once per policy year, subject to policy conditions; it does not trigger on the first claim.

Daycare Treatment

Health Assurance

Covered

VS

Complete Health Insurance Health Protect Plus Plan

Covered under the policy. 

Cumulative Bonus

Health Assurance

AccidentCare renewal benefit: the sum insured rises by 5% for each claim-free year, up to a total of 25%. Applies to all AccidentCare benefits except TTD and accident hospitalisation.

VS

Complete Health Insurance Health Protect Plus Plan

10% of annual sum insured per claim-free year, up to 50%; a claim can reduce accrued bonus by 10% of annual sum insured at renewal.

AYUSH Treatment

Health Assurance

Covered up to Sum Insured

VS

Complete Health Insurance Health Protect Plus Plan

Covered under this policy

Consumable Cover

Health Assurance

Please refer to the policy wording.

VS

Complete Health Insurance Health Protect Plus Plan

No separate consumables benefit verified in the available plan-specific information.

Initial Waiting Period

Health Assurance

CritiCare: 90 days. HospiCash: 30 days, except accidents. AccidentCare: none.

VS

Complete Health Insurance Health Protect Plus Plan

30 days for illnesses; injury-related hospitalisation is excepted.

Specific Waiting Period

Health Assurance

HospiCash only: 24 months for 17 listed conditions and procedures

VS

Complete Health Insurance Health Protect Plus Plan

24 months for specified illnesses and treatments.

PED Waiting Period

Health Assurance

36 months for CritiCare and HospiCash

VS

Complete Health Insurance Health Protect Plus Plan

24 months of continuous coverage.

Modern Treatment

Health Assurance

Not covered as a separate benefit. AccidentCare Hospitalisation covers surgery, room rent and related costs for accidental injury up to 2% of the AccidentCare sum insured.

VS

Complete Health Insurance Health Protect Plus Plan

Not verified in the available Health Protect Plus Key Information Sheet.

Annual Health Checkup

Health Assurance

Kindly refer to the policy wording.

VS

Complete Health Insurance Health Protect Plus Plan

Free health-check-up coupon each policy year, subject to a maximum of 2 coupons annually for floater policies.

Pre-Hospitalisation

Health Assurance

Information Unavailable

VS

Complete Health Insurance Health Protect Plus Plan

Up to 30 days.

Post-Hospitalisation

Health Assurance

Kindly refer to policy wording.

VS

Complete Health Insurance Health Protect Plus Plan

Up to 60 days.

Outpatient Department Cover (OPD Expense)

Health Assurance

Not covered.

VS

Complete Health Insurance Health Protect Plus Plan

Included with Wellness & Preventive Healthcare within a combined ₹5,000 floater limit.

Deductible Option

Health Assurance

Kindly refer to the policy wording.

VS

Complete Health Insurance Health Protect Plus Plan

Not verified in the available plan-specific information.

Coverage Options

Health Assurance

AccidentCare (individual or family, with optional TTD and accident hospitalisation), CritiCare (individual or family floater, Option 1 lump sum or Option 2 lump sum with staggered payout), HospiCash (individual or family, daily cash).

VS

Complete Health Insurance Health Protect Plus Plan

Individual or floater structure; exact sum insured choices require verification from the applicable schedule.

Claim Settlement Ratio

Health Assurance

Claim Settlement Ratio (CSR) of 93.3% as a three-year IRDAI weighted average, and 95.6% in recent quarterly company disclosures (Q1 FY 2026-27).

VS

Complete Health Insurance Health Protect Plus Plan

Not verified against a current, comparable insurer-level CSR disclosure.

Maternity Cover

Health Assurance

Information Unavailable

VS

Complete Health Insurance Health Protect Plus Plan

Available after 36 months: normal delivery ₹15,000; caesarean delivery ₹25,000; pre- and post-natal expenses ₹2,000 each, subject to eligibility conditions.

Insurance Plans Comparison

Still Confused? Get Expert Advice

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Why Choose Our Expert Consultation?

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Talk to experienced advisors at no cost, and make confident decisions

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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

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  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

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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)

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