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Insurance Plans Comparison

ICICI Lombard Complete Health Insurance Health Shield vs Niva Bupa Senior First Platinum

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

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.

VS
Niva Bupa

Senior First Platinum

After the first paid claim, restore the base sum insured unlimited times, stay in a single private room, and add 10% of the base sum insured each claim-free year up to 100%, with a 50% co-pay.

What Makes It Special:

Niva Bupa Senior First Platinum is made for seniors to help them feel secure about health costs, giving full coverage for hospital stays, yearly check-ups, and quick claims. It’s simple to use and takes care of most medical needs without complicated rules.It covers expenses for in-patient hospitalization in a single...

Best For:

  • Not available

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

  • 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.

Niva Bupa Senior First Platinum

Not available

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Complete Health Insurance Health Shield
Complete Health Insurance Health Shield

Health Insurance Plan

Brochure

VS
Senior First Platinum
Senior First Platinum

Health Insurance Plan

Brochure

Room Rent

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.

VS

Senior First Platinum

Single Private Room

Covered up to Sum Insured

Advanced Treatments

Complete Health Insurance Health Shield

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

VS

Senior First Platinum

Modern treatments covered up to Sum Insured

ICU Charges

Complete Health Insurance Health Shield

Covered under eligible inpatient hospitalisation, subject to policy terms.

VS

Senior First Platinum

Information Unavailable

Co-payment

Complete Health Insurance Health Shield

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

VS

Senior First Platinum

50% co-payment.

Disease-wise sublimits

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.

VS

Senior First Platinum

Information Unavailable

Waiting Period

Complete Health Insurance Health Shield

Information Unavailable

VS

Senior First Platinum

Not mentioned — verify from policy wordings.

Not mentioned — verify from policy wordings.

Not mentioned — verify from policy wordings.

Cashless Healthcare Providers

Complete Health Insurance Health Shield

10,896+ hospitals across India.

VS

Senior First Platinum

Not mentioned — verify from policy wordings

Restoration Benefit

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.

VS

Senior First Platinum

Information Unavailable

Daycare Treatment

Complete Health Insurance Health Shield

Covered under the policy. 

VS

Senior First Platinum

Covered up to Sum Insured

Cumulative Bonus

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.

VS

Senior First Platinum

Information Unavailable

AYUSH Treatment

Complete Health Insurance Health Shield

Covered under this policy

VS

Senior First Platinum

Covered up to Sum Insured.

Consumable Cover

Complete Health Insurance Health Shield



VS

Senior First Platinum

Information Unavailable

Initial Waiting Period

Complete Health Insurance Health Shield

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

VS

Senior First Platinum

Information Unavailable

Specific Waiting Period

Complete Health Insurance Health Shield

24 months for specified illnesses and treatments.

VS

Senior First Platinum

Information Unavailable

PED Waiting Period

Complete Health Insurance Health Shield

24 months for declared and accepted pre-existing diseases.

VS

Senior First Platinum

Information Unavailable

Modern Treatment

Complete Health Insurance Health Shield

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

VS

Senior First Platinum

Information Unavailable

Annual Health Checkup

Complete Health Insurance Health Shield

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

VS

Senior First Platinum

Information Unavailable

Pre-Hospitalisation

Complete Health Insurance Health Shield

Up to 30 days.

VS

Senior First Platinum

Information Unavailable

Post-Hospitalisation

Complete Health Insurance Health Shield

Up to 60 days.

VS

Senior First Platinum

Information Unavailable

Outpatient Department Cover (OPD Expense)

Complete Health Insurance Health Shield

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

VS

Senior First Platinum

Information Unavailable

Deductible Option

Complete Health Insurance Health Shield

Not verified in the reviewed Health Shield document.

VS

Senior First Platinum

Information Unavailable

Coverage Options

Complete Health Insurance Health Shield

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

VS

Senior First Platinum

Information Unavailable

Claim Settlement Ratio

Complete Health Insurance Health Shield

FY 2024-25: 83.65%

VS

Senior First Platinum

Information Unavailable

Maternity Cover

Complete Health Insurance Health Shield

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

VS

Senior First Platinum

Information Unavailable

Insurance Plans Comparison

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

24/7 Claim Assistance

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

Smart, Tech-Enabled Experience

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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)

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