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Insurance Plans Comparison

ICICI Lombard iHealth vs Niva Bupa Health Recharge

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

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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

VS
Niva Bupa

Health Recharge

Super top-up health insurance for additional financial protection against hospitalisation expenses.

What Makes It Special:

Niva Bupa Health Recharge is a super top-up plan designed to provide additional health insurance protection after the selected annual aggregate deductible is exhausted. It offers inpatient hospitalisation cover, pre- and post-hospitalisation expenses, daycare treatment, loyalty additions on eligible base cover, and optional personal accident and critical illness benefits.

Best For:

  • Buyers who want a super top-up plan with loyalty additions on eligible Base Sum Insured.

  • People looking for optional personal accident or critical illness cover.

  • Buyers who want to supplement an existing base health insurance policy.

  • Families seeking a higher total health cover with a chosen deductible.

  • People who already have employer-provided or individual health insurance and want additional cover.

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

  • 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.

Niva Bupa Health Recharge

  • Compare the additional premium and coverage limits for optional personal accident and critical illness benefits.

  • Review the waiting periods and exclusions in the complete policy wording before purchasing.

  • Confirm the applicable Base Sum Insured, room-rent conditions and any benefit sub-limits.

  • Check whether your existing health insurance cover and the selected deductible work well together.

  • Choose a deductible you can comfortably pay before the plan begins contributing.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

iHealth
iHealth

Health Insurance Plan

Brochure

VS
Health Recharge
Health Recharge

Health Insurance Plan

Brochure

Policy Wording

Room Rent

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.

VS

Health Recharge

Below ₹5L SI: 1% of SI per day limit; ₹5L+ SI: no monetary cap, single private room eligible.

Advanced Treatments

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.

VS

Health Recharge

Information Unavailable

ICU Charges

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.

VS

Health Recharge

Covered up to sum insured with no specific restrictions.

Co-payment

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.

VS

Health Recharge

Not applicable; annual aggregate deductible is the cost-sharing mechanism.

Disease-wise sublimits

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.

VS

Health Recharge

Yes, modern treatments have specific sublimits; mental disorder treatment: 10% SI (max ₹50K)

Cashless Healthcare Providers

iHealth

10,896+ hospitals across india 

VS

Health Recharge

10,000+ Niva Bupa empanelled network hospitals.

Restoration Benefit

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.

VS

Health Recharge

Not available under Health Recharge plan.

Daycare Treatment

iHealth

Covered under the policy. 

VS

Health Recharge

All eligible day-care treatments covered up to sum insured.

Cumulative Bonus

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.

VS

Health Recharge

Loyalty Additions: 5% annual increase of base SI up to 50% maximum (only for SI up to ₹25L).

AYUSH Treatment

iHealth

Covered under this policy

VS

Health Recharge

Covers Ayurveda, Yoga, Unani, Siddha, Homoeopathy as in-patient treatment up to base SI.

Consumable Cover

iHealth

Kindly refer to the policy wording.

VS

Health Recharge

Yes, medicines, drugs and consumables as prescribed by treating practitioner.

Initial Waiting Period

iHealth

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

VS

Health Recharge

30 days from first policy commencement (no exception for accidents).

Specific Waiting Period

iHealth

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

VS

Health Recharge

24 months for specified diseases and procedures listed in policy.

PED Waiting Period

iHealth

2 years for declared and accepted pre-existing diseases

VS

Health Recharge

36 months continuous coverage from policy inception.

Modern Treatment

iHealth

Kindly refer to the policy wording

VS

Health Recharge

Covers oral chemotherapy, robotic surgeries, intra-vitreal injections, deep brain stimulation with per-treatment sub-limits.

Annual Health Checkup

iHealth

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

VS

Health Recharge

Not listed as base benefit; health assessment available separately.

Pre-Hospitalisation

iHealth

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

VS

Health Recharge

Up to 60 days before hospitalisation when related claim is admissible.

Post-Hospitalisation

iHealth

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

VS

Health Recharge

Up to 90 days after discharge for eligible medical expenses.

Outpatient Department Cover (OPD Expense)

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.

VS

Health Recharge

Not available; plan provides unlimited e-consultation and pharmacy/diagnostic access.

Deductible Option

iHealth

Kindly consult the policy wording

VS

Health Recharge

Mandatory annual aggregate deductible: ₹10K, ₹25K, ₹50K options available.

Coverage Options

iHealth

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

VS

Health Recharge

₹2L, ₹3L, ₹4L, ₹5L, ₹7.5L, ₹10L, ₹15L, ₹25L, ₹40L, ₹45L, ₹65L, ₹70L, ₹90L, ₹95L.

Claim Settlement Ratio

iHealth

FY 24-25: ~84%

VS

Health Recharge

80%

Maternity Cover

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.

VS

Health Recharge

Excluded under this policy.

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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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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