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Insurance Plans Comparison

Niva Bupa Aspire Diamond+ vs ICICI Lombard Complete Health Insurance Health Shield

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

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Niva Bupa

Aspire Diamond+

Comprehensive health insurance with growing coverage, maternity-related benefits and unlimited post-claim restoration.

What Makes It Special:

Niva Bupa Aspire Diamond+ is designed for people seeking comprehensive hospitalisation cover alongside benefits that can build over time. It includes Booster+, which carries forward unused Base Sum Insured subject to entry-age limits, and ReAssure Forever, which provides unlimited additional cover after the first paid eligible claim. The M-iracle benefit...

Best For:

  • Buyers who want the flexibility to add optional OPD, consumables or international treatment benefits.

  • Policyholders who value unlimited additional cover after the first eligible paid claim.

  • People planning for eligible maternity and parenthood-related expenses.

  • Younger buyers who want unused coverage to accumulate through Booster+.

  • Individuals and families looking for comprehensive hospitalisation coverage.

VS
ICICI Lombard

Complete Health Insurance Health Shield

Add 10% to the sum insured after every claim-free year, up to 50%, and cover organ-donor expenses up to ₹10 lakh, with domiciliary hospitalisation and air ambulance paid over and above the sum insured.

What Makes It Special:

Health Shield is a variant listed under ICICI Lombard Complete Health Insurance. Its benefits include inpatient hospitalisation, eligible daycare procedures, inpatient AYUSH treatment, pre- and post-hospitalisation expenses, and a reset benefit that can replenish eligible cover after previous claims. The policy also lists a cumulative bonus and wellness services. Coverage...

Best For:

  • Customers who may use the policy's wellness services and preventive health-check-up facilities.

  • Buyers who want eligible daycare and inpatient AYUSH treatment covered.

  • Customers who value a cumulative bonus for claim-free years.

  • Individuals or families comparing different base sum insured options.

  • Buyers looking for hospitalisation cover with a reset benefit for subsequent eligible claims.

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

Niva Bupa Aspire Diamond+

  • Compare optional benefits and premiums to decide whether WellConsult, Safeguard+, Borderless or other add-ons suit your needs.

  • Check room eligibility and any room-type modification before purchasing, especially if you prefer a higher-category room.

  • Review the co-payment options carefully, as choosing one affects how much of an admissible claim you pay yourself.

  • Consider the M-iracle benefit if maternity, IVF, adoption or surrogacy coverage is important to you; the brochure lists a 24-month waiting period.

  • Choose Diamond+ if you want higher Booster+ accumulation than Gold+ offers at the same entry-age bands.

ICICI Lombard Complete Health Insurance Health Shield

  • Verify that the Health Shield variant is still available and that the quoted UIN matches the policy document before purchase.

  • Compare the cataract sub-limit with your expected needs, especially if selecting a lower sum insured.

  • Check the 24-month PED and specified-disease waiting periods against your medical history.

  • Review the reset rules carefully, including the restrictions on using reset cover for the same illness.

  • Confirm the available sum insured and room-rent limit in the policy schedule before choosing the plan.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Aspire Diamond+
Aspire Diamond+

Health Insurance Plan

Brochure

Policy Wording

VS
Complete Health Insurance Health Shield
Complete Health Insurance Health Shield

Health Insurance Plan

Brochure

Room Rent

Aspire Diamond+

Single private AC room is included as part of base cover. However, you can opt for add-on to upgrade or downgrade the room category

VS

Complete Health Insurance Health Shield

Normal: Health Shield offers room rent and ICU coverage without sub-limits, ensuring full financial support for hospitalization, including intensive care expenses.

ICU Charges

Aspire Diamond+

No restriction on ICU room rent

VS

Complete Health Insurance Health Shield

Covered under eligible inpatient hospitalisation, subject to policy terms.

Advanced Treatments

Aspire Diamond+

Information Unavailable

VS

Complete Health Insurance Health Shield

Covers advanced treatments, including robotic surgeries, stem cell therapy, immunotherapy, and modern cancer treatments

Co-payment

Aspire Diamond+

Available as an option

VS

Complete Health Insurance Health Shield

10% of copay will be applied to every admissible claim.

Disease-wise sublimits

Aspire Diamond+

No

VS

Complete Health Insurance Health Shield

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

Aspire Diamond+

10,000+ Healthcare Providers

VS

Complete Health Insurance Health Shield

10,896+ hospitals across India.

Restoration Benefit

Aspire Diamond+

Yes, your sum insured restores to 100% unlimited times after your first claim, for both related and unrelated illnesses

VS

Complete Health Insurance Health Shield

Unlimited Reset Benefit is listed; reset does not trigger on the first claim and remains subject to illness, insured-person and other policy conditions.

Daycare Treatment

Aspire Diamond+

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

VS

Complete Health Insurance Health Shield

Covered under the policy. 

Cumulative Bonus

Aspire Diamond+

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)

VS

Complete Health Insurance Health Shield

10% of annual sum insured per claim-free year, up to 50%; accumulated bonus reduces by 10% of annual sum insured following a claim, as specified in the policy.

AYUSH Treatment

Aspire Diamond+

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

VS

Complete Health Insurance Health Shield

Covered under this policy

Consumable Cover

Aspire Diamond+

Yes

VS

Complete Health Insurance Health Shield



Initial Waiting Period

Aspire Diamond+

30 days

VS

Complete Health Insurance Health Shield

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

Specific Waiting Period

Aspire Diamond+

2 years
 

VS

Complete Health Insurance Health Shield

24 months for specified illnesses and treatments.

PED Waiting Period

Aspire Diamond+

3 years
 

VS

Complete Health Insurance Health Shield

24 months for declared and accepted pre-existing diseases.

Modern Treatment

Aspire Diamond+

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

VS

Complete Health Insurance Health Shield

Not verified as a separately defined benefit in the reviewed Health Shield document.

Annual Health Checkup

Aspire Diamond+

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

VS

Complete Health Insurance Health Shield

Health-check-up coupon each policy year, up to 2 coupons per year for floater policies.

Pre-Hospitalisation

Aspire Diamond+

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

VS

Complete Health Insurance Health Shield

Up to 30 days.

Post-Hospitalisation

Aspire Diamond+

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

VS

Complete Health Insurance Health Shield

Up to 60 days.

Outpatient Department Cover (OPD Expense)

Aspire Diamond+

OPD expense is not included as part of base cover. However, you can opt for an add-on to avail this coverage

VS

Complete Health Insurance Health Shield

Wellness points may be redeemable for eligible outpatient expenses; a fixed comprehensive OPD limit was not verified.

Deductible Option

Aspire Diamond+

Available as an option

VS

Complete Health Insurance Health Shield

Not verified in the reviewed Health Shield document.

Coverage Options

Aspire Diamond+

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

VS

Complete Health Insurance Health Shield

Individual or family floater; listed sum insured options from ₹3 lakh to ₹50 lakh.

Claim Settlement Ratio

Aspire Diamond+

92.02%

VS

Complete Health Insurance Health Shield

FY 2024-25: 83.65%

Maternity Cover

Aspire Diamond+

Available

VS

Complete Health Insurance Health Shield

Excluded under the reviewed policy wording, except for stated policy exceptions such as ectopic pregnancy.

Insurance Plans Comparison

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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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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

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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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