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Insurance Plans Comparison

ICICI Lombard iHealth Plus vs Niva Bupa Health Assurance

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

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ICICI Lombard

iHealth Plus

Include maternity after a 3-year wait, newborn cover up to ₹10,000 and an outpatient and wellness allowance, plus a 10% cumulative bonus each claim-free year up to 50% of the sum insured.

What Makes It Special:

iHealth Plus is a discontinued ICICI Lombard Complete Health Insurance variant. It provides hospitalisation cover, outpatient treatment, maternity cover after 3 years, and an annual free health check-up, with no co-payment and no room rent restriction.

Best For:

  • Buyers comparing it with ICICI Lombard’s current Complete Health Insurance plans

  • Policyholders reviewing an existing iHealth Plus cover before renewal

  • Families who want outpatient treatment and an annual health check-up

  • Buyers who want no room rent restriction and no co-payment

  • Families planning a pregnancy within three years, if the policy was bought earlier

VS
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

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

ICICI Lombard iHealth Plus

  • Kindly consult the insurer for sublimits and the cumulative bonus before deciding.

  • Confirm the sum insured range, since sources differ on the upper limit.

  • The PED waiting period is 2 or 4 years depending on the sum insured, so check the one you chose.

  • Maternity cover needs a 3-year wait, so plan ahead if you intend to start a family.

  • Because the plan is discontinued, compare current ICICI Lombard plans before deciding.

Niva Bupa Health Assurance

  • 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.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

iHealth Plus
iHealth Plus

Health Insurance Plan

Brochure

Policy Wording

VS
Health Assurance
Health Assurance

Health Insurance Plan

Brochure

Policy Wording

Room Rent

iHealth Plus

Normal Room: No capping — covered up to Sum Insured

ICU Charges: No capping — covered up to Sum Insured

VS

Health Assurance

Normal: Covered up to Sum Insured

ICU: Covered up to Sum Insured

Advanced Treatments

iHealth Plus

Day Care Procedures

Organ Transplant Related Donor Expenses (Optional Cover)

Critical Illness Cover (Optional Cover)

AYUSH Hospitalisation

VS

Health Assurance

Modern Treatments covered up to Sum Insured

ICU Charges

iHealth Plus

Information Unavailable

VS

Health Assurance

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

Co-payment

iHealth Plus

No Co-pay — 100% of admissible claims covered by the insurer

VS

Health Assurance

Optional co-payment available

Cashless Healthcare Providers

iHealth Plus

Cashless treatment available at 6500+ network hospitals

VS

Health Assurance

10,000+ Network Hospitals

Daycare Treatment

iHealth Plus

Covered

VS

Health Assurance

Covered

Cumulative Bonus

iHealth Plus

Information Unavailable

VS

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.

AYUSH Treatment

iHealth Plus

Covered

VS

Health Assurance

Covered up to Sum Insured

Consumable Cover

iHealth Plus

Information Unavailable

VS

Health Assurance

Please refer to the policy wording.

Initial Waiting Period

iHealth Plus

30 days

VS

Health Assurance

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

Specific Waiting Period

iHealth Plus

Information Unavailable

VS

Health Assurance

HospiCash only: 24 months for 17 listed conditions and procedures

PED Waiting Period

iHealth Plus

2 years or 4 years, depending on sum insured

VS

Health Assurance

36 months for CritiCare and HospiCash

Modern Treatment

iHealth Plus

Information Unavailable

VS

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.

Annual Health Checkup

iHealth Plus

Free annual health check-up

VS

Health Assurance

Kindly refer to the policy wording.

Post-Hospitalisation

iHealth Plus

Information Unavailable

VS

Health Assurance

Kindly refer to policy wording.

Outpatient Department Cover (OPD Expense)

iHealth Plus

Outpatient treatment covered. Kindly consult for limits.

VS

Health Assurance

Not covered.

Deductible Option

iHealth Plus

Information Unavailable

VS

Health Assurance

Kindly refer to the policy wording.

Coverage Options

iHealth Plus

Individual and floater

VS

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).

Claim Settlement Ratio

iHealth Plus

FY 24-25: ~84%

VS

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).

Maternity Cover

iHealth Plus

Covered after a 3-year waiting period

VS

Health Assurance

Information Unavailable

Insurance Plans Comparison

Still Confused? Get Expert Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Why Choose Our Expert Consultation?

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Free Expert Consultation

Free Expert Consultation

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

  • 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.

1-5 of 10 FAQs

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