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Insurance Plans Comparison

ICICI Lombard Complete Health Insurance Health Shield Plus Plan vs Niva Bupa Reassure 3.0 Elite

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

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ICICI Lombard

Complete Health Insurance Health Shield Plus Plan

Comprehensive hospitalisation cover with restoration and loyalty benefits

What Makes It Special:

Health Shield Plus is a health insurance variant under ICICI Lombard Complete Health Insurance. It offers inpatient hospitalisation, daycare treatment, AYUSH hospitalisation, listed modern treatments and an Unlimited Reset Benefit. The plan also provides a Loyalty Bonus and extended pre- and post-hospitalisation coverage, subject to the applicable terms, waiting periods,...

Best For:

  • Buyers who prefer a policy with a Loyalty Bonus that can accumulate over eligible renewals.

  • People who want extended coverage for eligible medical expenses before and after hospitalisation.

  • Buyers who value restoration of cover after eligible claims during a policy year.

  • Families looking for a shared sum insured through a family floater policy.

  • Individuals seeking health insurance with multiple sum insured options.

VS
Niva Bupa

Reassure 3.0 Elite

Health insurance with enhanced modern treatment coverage, broader room eligibility and flexible cost-sharing options.

What Makes It Special:

ReAssure 3.0 Elite offers hospitalisation coverage with unlimited modern treatment coverage and eligibility for all room categories except Deluxe and Suite. The plan includes pre- and post-hospitalisation benefits, AYUSH treatment and ambulance coverage, subject to policy conditions. It also offers configurable co-payment and annual aggregate deductible options. Optional enhancements include...

Best For:

  • Buyers who value additional wellness benefits and claim-free-year rewards, subject to eligibility.

  • Individuals interested in optional OPD and specified non-payable expense coverage.

  • Buyers who prefer flexible co-payment and deductible options.

  • Individuals seeking coverage for modern treatments, subject to policy conditions.

  • Buyers who want broader room eligibility than a general-room or twin-sharing restriction.

Insurance Plans Comparison

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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 Complete Health Insurance Health Shield Plus Plan

  • If you need maternity or routine OPD benefits, compare other variants because these are not listed as standard benefits under Health Shield Plus.

  • Confirm whether the optional co-payment is selected, as it can affect the amount payable by you during a claim.

  • Check the 24-month waiting periods for pre-existing diseases and specified conditions before purchasing.

  • Review the room category applicable to your selected sum insured to understand potential out-of-pocket expenses.

  • Choose the sum insured based on your likely hospitalisation costs, financial exposure and number of insured members.

Niva Bupa Reassure 3.0 Elite

  • Optional benefits: Review the costs, limits and conditions of OPD coverage, non-payable expense protection and other add-ons.

  • Coverage limits: Confirm the sum insured, treatment-specific limits, ambulance benefits and restoration conditions.

  • Out-of-pocket costs: Compare co-payment percentages and deductible options before selecting the policy.

  • Waiting periods: Review initial, pre-existing disease and specific-disease waiting periods, including any available modifications.

  • Room eligibility: Check the exclusion of Deluxe and Suite rooms and understand the consequences of choosing a room outside the permitted category.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Complete Health Insurance Health Shield Plus Plan
Complete Health Insurance Health Shield Plus Plan

Health Insurance Plan

Brochure

VS
Reassure 3.0 Elite
Reassure 3.0 Elite

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Complete Health Insurance Health Shield Plus Plan

Normal: the plan offers coverage for single private rooms for hospitalization, while ICU expenses are covered up to the sum insured without sub-limits.

VS

Reassure 3.0 Elite

Covers all rooms except Deluxe/Suite at no co-payment; 20% co-payment for Deluxe/Suite.

Advanced Treatments

Complete Health Insurance Health Shield Plus Plan

ICICI Health Shield Plus covers advanced medical treatments, ensuring access to modern healthcare. It includes robotic surgeries, stem cell therapy (for approved conditions), targeted cancer therapies, and other cutting-edge procedures.

VS

Reassure 3.0 Elite

Information Unavailable

ICU Charges

Complete Health Insurance Health Shield Plus Plan

Covered as per eligible hospitalisation expenses and policy limits.

VS

Reassure 3.0 Elite

Covered as part of hospitalisation expenses up to SI.

Disease-wise sublimits

Complete Health Insurance Health Shield Plus Plan

Cataract treatment is limited to 10% of the sum insured, up to ₹1 lakh per eye. Other applicable limits and exclusions are governed by the policy wording.

VS

Reassure 3.0 Elite

No disease-wise sub-limits; no ₹1L cap on modern treatments.

Co-payment

Complete Health Insurance Health Shield Plus Plan

Health Shield Plus may include a copayment clause, requiring policyholders to pay a fixed percentage of the claim amount, especially for senior citizens or specific treatments. The exact copayment percentage varies based on policy terms.

VS

Reassure 3.0 Elite

Optional: 0%, 20%, 30%, 40%, 50% available.

Restoration Benefit

Complete Health Insurance Health Shield Plus Plan

Unlimited Reset Benefit for different illnesses and once for the same illness, subject to policy conditions.

VS

Reassure 3.0 Elite

ReAssure Forever: Base SI restored after first claim, unlimited times.

Cashless Healthcare Providers

Complete Health Insurance Health Shield Plus Plan

10,896+ hospitals across India.

VS

Reassure 3.0 Elite

Niva Bupa network hospitals subject to authorisation.

Daycare Treatment

Complete Health Insurance Health Shield Plus Plan

Covered under the policy. 

VS

Reassure 3.0 Elite

Covered for ≥2 hours hospitalisations per policy terms

Cumulative Bonus

Complete Health Insurance Health Shield Plus Plan

Loyalty Bonus of 20% per year, up to 100% of the sum insured, subject to conditions.

VS

Reassure 3.0 Elite

Booster+ add on: Accumulates up to 10X base SI carried forward annually.

AYUSH Treatment

Complete Health Insurance Health Shield Plus Plan

.

VS

Reassure 3.0 Elite

Covered for ≥24 hours AYUSH hospitalisation up to SI.

Consumable Cover

Complete Health Insurance Health Shield Plus Plan

Not included as a standard benefit; Claim Protector is listed as an optional cover.

VS

Reassure 3.0 Elite

Claim Safeguard+ available as optional (add-on) benefit for non-payable items.

Initial Waiting Period

Complete Health Insurance Health Shield Plus Plan

30 days for illnesses; accident-related claims are treated as per policy terms.

VS

Reassure 3.0 Elite

30 days (except accidents).

Specific Waiting Period

Complete Health Insurance Health Shield Plus Plan

24 months for specified diseases and procedures.

VS

Reassure 3.0 Elite

24 months standard with modifiable options.

PED Waiting Period

Complete Health Insurance Health Shield Plus Plan

24 months for declared and accepted pre-existing diseases, subject to policy conditions.

VS

Reassure 3.0 Elite

36 months standard with reduction option available.

Modern Treatment

Complete Health Insurance Health Shield Plus Plan

Covered up to the annual sum insured for listed technological advancements and treatments, subject to policy terms.

VS

Reassure 3.0 Elite

Modern treatments covered up to sum insured (no capping like Classic/Select).

Annual Health Checkup

Complete Health Insurance Health Shield Plus Plan

Preventive health check-up coupons each policy year; limits vary by sum insured.

VS

Reassure 3.0 Elite

Available from Day 1 on cashless basis; Elite has broader defined package.

Pre-Hospitalisation

Complete Health Insurance Health Shield Plus Plan

60 days.

VS

Reassure 3.0 Elite

Up to 60 days before hospitalisation when related to approved claim.

Post-Hospitalisation

Complete Health Insurance Health Shield Plus Plan

180 days.

VS

Reassure 3.0 Elite

Covered for 180 days after discharge for eligible expenses.

Outpatient Department Cover (OPD Expense)

Complete Health Insurance Health Shield Plus Plan

Not included as a standard benefit; the listed OPD treatment cover is not available under this variant.

VS

Reassure 3.0 Elite

Not in base; Wellconsult+ available with wellness benefits.

Deductible Option

Complete Health Insurance Health Shield Plus Plan

Not included as a standard benefit; the listed OPD treatment cover is not available under this variant.

VS

Reassure 3.0 Elite

Annual Aggregate Deductible available as optional feature

Coverage Options

Complete Health Insurance Health Shield Plus Plan

Individual and family floater options, with sum insured choices from ₹5 lakh to ₹1 crore.

VS

Reassure 3.0 Elite

₹5L, ₹10L, Unlimited SI.

Claim Settlement Ratio

Complete Health Insurance Health Shield Plus Plan

FY 24-25: 83.65%

VS

Reassure 3.0 Elite

Not stated for ReAssure 3.0 Elite variant.

Maternity Cover

Complete Health Insurance Health Shield Plus Plan

Not available under Health Shield Plus as per the reviewed product comparison.

VS

Reassure 3.0 Elite

Not in standard Elite base benefit.

Insurance Plans Comparison

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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

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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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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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