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Insurance Plans Comparison

Niva Bupa Aspire Platinum+ vs ICICI Lombard iHealth

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

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Niva Bupa

Aspire Platinum+

Health insurance with high cumulative cover, maternity benefits and premium protection linked to entry age.

What Makes It Special:

Niva Bupa Aspire Platinum+ combines comprehensive hospitalisation coverage with Booster+ accumulation of unused Base Sum Insured, ReAssure Forever and Lock the Clock. It also includes M-iracle maternity-related benefits with a 9-month waiting period, subject to eligibility, limits and policy conditions.

Best For:

  • Buyers seeking broad hospitalisation and eligible day-care coverage.

  • People who want their premium to remain linked to their entry age until a qualifying claim is paid.

  • Buyers who value additional cover after an eligible claim.

  • Individuals and families planning for eligible maternity-related expenses.

  • People looking to build up unused health cover over successive policy years.

VS
ICICI Lombard

iHealth

Reset up to 100% of the sum insured once in a policy year for a later unrelated illness, and cover inpatient hospitalisation, AYUSH treatment, specified day care procedures and a wellness programme.

What Makes It Special:

iHealth is a discontinued ICICI Lombard Complete Health Insurance tier, offered on an individual or floater basis. It covers in-patient hospitalisation, pre- and post-hospitalisation expenses, day-care procedures, and in-patient AYUSH treatment, with a 2-year waiting period for pre-existing diseases and a Reset Benefit for the sum insured.

Best For:

  • Existing policyholders reviewing their current iHealth cover before renewal, since this plan is no longer sold

  • Individuals who want coverage for hospitalisation and related pre- and post-hospitalisation costs

  • Policyholders who value a cumulative bonus that increases cover over claim-free years

  • Buyers who want a restoration feature to top up the sum insured after a large claim in the same year

  • Families who want a floater policy for parents, children, and spouse under one sum insured

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 Platinum+

  • Compare premiums and waiting periods against other Aspire variants before choosing.

  • Check the policy schedule for room category, co-payment, deductible and any optional benefits.

  • Understand that ReAssure Forever is triggered by the first paid eligible claim and has a per-claim limit.

  • Review the 9-month M-iracle waiting period and the benefit’s eligibility conditions before relying on maternity cover.

  • Choose this variant if Booster+ accumulation is a priority and you understand its age-based limits.

ICICI Lombard iHealth

  • Check the sublimits for listed surgeries, such as cataract at ₹20,000 per eye, if you are considering the lower sum insured options.

  • Maternity cover is not part of the base iHealth tier, so choose a higher tier if you need it and can wait 3 years.

  • Reset Benefit is limited to once per policy year and cannot be used for the same illness already claimed, so do not count it as unlimited cover.

  • Note the 2-year waiting period for pre-existing diseases and the listed illnesses, and plan your cover accordingly if you have an existing condition.

  • Because the plan is discontinued, check whether an ICICI Lombard successor such as Health Shield or Health Shield Plus suits your needs before buying.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Aspire Platinum+
Aspire Platinum+

Health Insurance Plan

Brochure

Policy Wording

VS
iHealth
iHealth

Health Insurance Plan

Brochure

Room Rent

Aspire Platinum+

All room categories are covered

VS

iHealth

Including in-patient hospitalization expenses such as room rent and ICU charges. Notably, there are no sub-limits on room rent or ICU charges.

ICU Charges

Aspire Platinum+

No restriction on ICU room rent

VS

iHealth

Covered under the in-patient hospitalisation cover up to the sum insured, for a hospitalisation of at least 24 consecutive hours. Kindly consult the policy wording for any cap.

Advanced Treatments

Aspire Platinum+

Information Unavailable

VS

iHealth

ICICI iHealth 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.

Co-payment

Aspire Platinum+

Available as an option

VS

iHealth

Does not have a mandatory co-payment for most policyholders. However, for senior citizens or specific policy variants, a co-payment clause may apply, requiring the insured to bear a percentage of the claim amount.

Disease-wise sublimits

Aspire Platinum+

No

VS

iHealth

Sublimits apply to listed surgeries in the lower sum insured tiers. For example, cataract is limited to ₹20,000 per eye. Kindly consult the policy wording for the full schedule.

Cashless Healthcare Providers

Aspire Platinum+

10,000+ Healthcare Providers

VS

iHealth

10,896+ hospitals across india 

Restoration Benefit

Aspire Platinum+

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

VS

iHealth

Reset Benefit: resets up to 100% of the sum insured once per policy year. Reset is not triggered by the first claim. The reset amount can be used only for future claims in the same policy year that are unrelated to an illness already claimed. Unused reset is not carried forward.

Daycare Treatment

Aspire Platinum+

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

VS

iHealth

Covered under the policy. 

Cumulative Bonus

Aspire Platinum+

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

iHealth

Additional Sum Insured of 10% of the annual sum insured for each claim-free year, up to a maximum of 50%. A claim reduces the accumulated amount by 10% of the annual sum insured in the following year.

AYUSH Treatment

Aspire Platinum+

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

VS

iHealth

Covered under this policy

Consumable Cover

Aspire Platinum+

No. However, available as an add-on

VS

iHealth

Kindly refer to the policy wording.

Initial Waiting Period

Aspire Platinum+

30 days

VS

iHealth

30 days from inception. Accident-related hospitalisation is exempt.

Specific Waiting Period

Aspire Platinum+

2 years
 

VS

iHealth

2 years for listed illnesses and procedures. Maternity has a 3-year waiting period where opted.

PED Waiting Period

Aspire Platinum+

3 years
 

VS

iHealth

2 years for declared and accepted pre-existing diseases

Modern Treatment

Aspire Platinum+

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

VS

iHealth

Kindly refer to the policy wording

Annual Health Checkup

Aspire Platinum+

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

VS

iHealth

Free health check-up at designated centres. Floater policies receive a maximum of 2 coupons per year.

Pre-Hospitalisation

Aspire Platinum+

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

VS

iHealth

Up to 30 days before hospitalisation, up to the sum insured

Post-Hospitalisation

Aspire Platinum+

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

VS

iHealth

Up to 60 days after discharge, up to the sum insured

Outpatient Department Cover (OPD Expense)

Aspire Platinum+

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

VS

iHealth

Outpatient Treatment Cover is available as a benefit in the plan tiers that include it. Reimbursement is subject to a limit of ₹5,000 on a floater basis. Kindly consult the plan details for eligibility.

Deductible Option

Aspire Platinum+

Available as an option

VS

iHealth

Kindly consult the policy wording

Coverage Options

Aspire Platinum+

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

VS

iHealth

Individual and floater cover. The base iHealth tier is available at ₹3, ₹4, and ₹5 lakh sum insured.

Claim Settlement Ratio

Aspire Platinum+

92.02%

VS

iHealth

FY 24-25: ~84%

Maternity Cover

Aspire Platinum+

Available

VS

iHealth

Not included in the base iHealth tier. Maternity cover with a 3-year waiting period is available in higher plan tiers only when opted for. It covers delivery and caesarean section (₹15,000 normal, ₹25,000 caesarean), pre- and post-natal expenses (₹2,000 each), and newborn cover (₹10,000), limited to two deliveries during the policy period.

Insurance Plans Comparison

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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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