Insurance Plans Comparison
Niva Bupa GoActive 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...
Read moreGoActive
Cover doctor visits and hospital stays together, refill the base sum insured, and get 90 days of pre-hospitalisation cover plus 180 days after discharge.
What Makes It Special:
GoActive combines in-patient cover with OPD consultations, a personal health coach and an annual health check-up. It has a refill benefit, an optional sum insured escalator, and a renewal discount for buyers who start young.
Best For:
Buyers who do not need maternity cover
Buyers who want the sum insured to grow over time through I-Protect
Buyers who want a health coach and an annual check-up
Families who visit doctors often and want OPD reimbursement
Younger, active buyers who want the 10% early-age discount and a renewal discount for healthy habits
VS
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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Quick Decision Guide
Zone 2 adds a 20% co-payment in four cities, so choose Zone 1 unless you know you will not be treated there.
The 1% room rent cap applies to the lower sum insured options, so pick ₹5 lakh or above if you want room choice.
The 36-month PED waiting period is long, so buy early if anyone has an existing condition.
Maternity is excluded, so choose another plan if you plan to start a family.
Check the OPD limit for your sum insured and number of adults, since the limit is shared across the family.
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
GoActive Health Insurance Plan VS VS |
![]() Complete Health Insurance Health Shield Health Insurance Plan |
| Room Rent |
|---|
GoActive Normal: For Sum Insured below ₹5 Lakhs: 1% of Base Sum Insured per day For Sum Insured ₹5 Lakhs and above: No room rent restriction (except Suite Room and above) ICU: For Sum Insured below ₹5 Lakhs: 2% of Base Sum Insured per day For Sum Insured ₹5 Lakhs and above: Covered up to Sum Insured |
VS 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. |
| Advanced Treatments |
|---|
GoActive Covered up to Sum Insured |
VS VS |
Complete Health Insurance Health Shield Covers advanced treatments, including robotic surgeries, stem cell therapy, immunotherapy, and modern cancer treatments |
| ICU Charges |
|---|
GoActive Up to 2% of base sum insured per day for the ₹1 lakh to ₹4 lakh options. Covered up to the sum insured for ₹5 lakh and above. Confirm the split on the policy schedule. |
VS VS |
Complete Health Insurance Health Shield Covered under eligible inpatient hospitalisation, subject to policy terms. |
| Co-payment |
|---|
GoActive No mandatory age-based co-payment mentioned |
VS VS |
Complete Health Insurance Health Shield 10% of copay will be applied to every admissible claim. |
| Disease-wise sublimits |
|---|
GoActive No general disease sublimit in the prospectus. Robotic surgery has a ₹1 lakh sub-limit, and OPD, diagnostics and some optional covers have their own limits. |
VS 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 |
|---|
GoActive 4,200+ Network Hospitals |
VS VS |
Complete Health Insurance Health Shield 10,896+ hospitals across India. |
| Restoration Benefit |
|---|
GoActive Refill benefit: up to 100% of base sum insured in a policy year, for a different illness from one already claimed. It is available on a floater basis and does not carry forward. Maximum liability per claim after refill is the base sum insured plus any I-Protect amount. |
VS 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 |
|---|
GoActive Covered up to Sum Insured |
VS VS |
Complete Health Insurance Health Shield Covered under the policy. |
| Cumulative Bonus |
|---|
GoActive Not offered. The optional I-Protect adds 10% of base sum insured every renewal year. |
VS 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 |
|---|
GoActive Covered up to Sum Insured |
VS VS |
Complete Health Insurance Health Shield Covered under this policy |
| Consumable Cover |
|---|
GoActive Medicines, drugs, consumables, IV fluids, blood, injection charges and OT charges are covered within in-patient care. Items in Annexure A (for example baby food, belts, gloves, diapers and Vasofix) are not payable. |
VS VS |
Complete Health Insurance Health Shield |
| Initial Waiting Period |
|---|
GoActive 30 days from policy start. Waived after 12 months of continuous coverage. Accidents are covered from day 1. |
VS VS |
Complete Health Insurance Health Shield 30 days for illnesses; injury-related hospitalisation is excepted. |
| Specific Waiting Period |
|---|
GoActive 24 months for listed conditions and procedures. Cancer is covered after 30 days. |
VS VS |
Complete Health Insurance Health Shield 24 months for specified illnesses and treatments. |
| PED Waiting Period |
|---|
GoActive 36 months |
VS VS |
Complete Health Insurance Health Shield 24 months for declared and accepted pre-existing diseases. |
| Modern Treatment |
|---|
GoActive Covered up to the sum insured, covering uterine artery embolisation, HIFU, deep brain stimulation, oral chemotherapy, immunotherapy, intravitreal injections, robotic surgery, stereotactic radiosurgery, and other listed treatments. Robotic surgeries have a ₹1 lakh sub-limit, except robotic prostatectomy for cancer, robotic cardiac surgery, robotic partial nephrectomy, and robotic surgery for malignancies. |
VS VS |
Complete Health Insurance Health Shield Not verified as a separately defined benefit in the reviewed Health Shield document. |
| Annual Health Checkup |
|---|
GoActive Covered for insured persons aged 18 and over, booked through the Niva Bupa app or website. Not available on the ₹1 lakh and ₹2 lakh options. Unused check-ups do not carry forward. |
VS VS |
Complete Health Insurance Health Shield Health-check-up coupon each policy year, up to 2 coupons per year for floater policies. |
| Pre-Hospitalisation |
|---|
GoActive Up to 90 days before admission, within the sum insured |
VS VS |
Complete Health Insurance Health Shield Up to 30 days. |
| Post-Hospitalisation |
|---|
GoActive Up to 180 days after discharge, within the sum insured |
VS VS |
Complete Health Insurance Health Shield Up to 60 days. |
| Outpatient Department Cover (OPD Expense) |
|---|
GoActive Covered. Number of consultations per policy year depends on the sum insured and the number of adults. Reimbursement is up to ₹600 per consultation in Zone 1 and ₹500 in Zone 2. The limit is shared by all members. |
VS 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 |
|---|
GoActive Optional annual aggregate deductible of ₹25,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹5 lakh or ₹10 lakh. It does not apply to health check-ups, second opinions, OPD, behavioural assistance or personal accident. |
VS VS |
Complete Health Insurance Health Shield Not verified in the reviewed Health Shield document. |
| Coverage Options |
|---|
GoActive Information Unavailable |
VS VS |
Complete Health Insurance Health Shield Individual or family floater; listed sum insured options from ₹3 lakh to ₹50 lakh. |
| Claim Settlement Ratio |
|---|
GoActive 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 VS |
Complete Health Insurance Health Shield FY 2024-25: 83.65% |
| Maternity Cover |
|---|
GoActive Not offered. Maternity and related childbirth expenses are excluded. |
VS 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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