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Insurance Plans Comparison

ICICI Lombard Activate Booster Plan B vs Niva Bupa Health Companion Variant 1

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

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ICICI Lombard

Activate Booster Plan B

Flexible super top-up health insurance with high Sum Insured options, extended optional benefits and multiple deductible choices.

What Makes It Special:

Plan B combines high Sum Insured options with broader optional benefits such as health check-up, nursing at home and dependent accommodation, subject to additional premium and applicable conditions.

Best For:

  • Financial safety for large medical bills

  • Advanced treatment and wellness add-ons

  • High-sum insured super top-up policy

  • Maximum flexibility and big coverage

VS
Niva Bupa

Health Companion Variant 1

Add 20% of the base sum insured each claim-free year up to 100%, refill the base sum insured once for a different illness, and get animal-bite vaccination up to ₹2,500 with a check-up once every 2 years.

What Makes It Special:

Health Companion Variant 1 is a Niva Bupa floater covering hospitalisation, day care, AYUSH and domiciliary treatment, with a refill benefit and no-claim bonus. Variant-specific terms are not separated in the prospectus.

Best For:

  • Buyers who do not need maternity or OPD cover

  • Buyers who need hospitalisation, day care and AYUSH cover

  • Buyers who want optional daily hospital cash

  • Buyers who want a no-claim bonus that builds to 100%

  • Families who want a floater with a refill benefit

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 Activate Booster Plan B

  • You seek quick claim settlement and annual health check-ups

  • You want coverage for dependents accommodation during hospitalization

  • You prefer easy conversion to base plan, no deductible

  • You want flexibility to top-up your policy

  • You need health coverage up to ₹3 crore

Niva Bupa Health Companion Variant 1

  • Buyers who do not need maternity or OPD cover

  • Hospital cash requires at least 48 hours in hospital.

  • Maternity is not covered, so plan separately if needed.

  • The refill applies only once a policy year.

  • The 36-month PED wait applies, so buy early if you have an existing condition.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Activate Booster Plan B
Activate Booster Plan B

Health Insurance Plan

Brochure

VS
Health Companion Variant 1
Health Companion Variant 1

Health Insurance Plan

Brochure

Room Rent

Activate Booster Plan B

Single Private Room is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category

VS

Health Companion Variant 1

  1. Room Rent Limit: No limit on room category, allowing flexibility in choosing any hospital room.
  2. ICU Limit: No capping on ICU charges, ensuring full coverage for intensive care treatments as per the sum insured.
ICU Charges

Activate Booster Plan B

No restriction on ICU room rent

VS

Health Companion Variant 1

Covered up to the sum insured as part of in-patient care

Advanced Treatments

Activate Booster Plan B

Information Unavailable

VS

Health Companion Variant 1

  1. Robotic and CyberKnife Surgery.
  2. Bariatric Surgery.
  3. Modern Cancer Treatments
  4. Organ Transplant Coverage
Co-payment

Activate Booster Plan B

Not available

VS

Health Companion Variant 1

Niva Bupa Health Companion Variant 1 does not have a mandatory co-payment for policyholders below 65 years. However, for individuals aged 65 and above, a 20% co-payment applies to all claims.

Disease-wise sublimits

Activate Booster Plan B

No

VS

Health Companion Variant 1

No disease sublimit schedule in the prospectus

Restoration Benefit

Activate Booster Plan B

Not available

VS

Health Companion Variant 1

Information Unavailable

Cashless Healthcare Providers

Activate Booster Plan B

10,300+ Healthcare Providers


VS

Health Companion Variant 1

10,000+ network hospitals.

Cumulative Bonus

Activate Booster Plan B

Available as an option

VS

Health Companion Variant 1

20% of the expiring base sum insured per claim-free year, up to 100%

Daycare Treatment

Activate Booster Plan B

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

VS

Health Companion Variant 1

Covered under the policy. 

Consumable Cover

Activate Booster Plan B

Yes

VS

Health Companion Variant 1

Prescribed medicines and consumables during treatment are covered. Annexure II items are not.

AYUSH Treatment

Activate Booster Plan B

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

VS

Health Companion Variant 1

Covered under this policy

Initial Waiting Period

Activate Booster Plan B

30 days

VS

Health Companion Variant 1

30 days, except accidents

Specific Waiting Period

Activate Booster Plan B

2 years

VS

Health Companion Variant 1

24 months for listed conditions

PED Waiting Period

Activate Booster Plan B

3 years

VS

Health Companion Variant 1

36 months

Modern Treatment

Activate Booster Plan B

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

VS

Health Companion Variant 1

Covered up to the sum insured

Annual Health Checkup

Activate Booster Plan B

Health checkup is not included as part of base cover. However, you can opt for the Annual Health Checkup Add-on to avail health checkup once per Policy Year

VS

Health Companion Variant 1

Annual from day one, for defined tests. Up to ₹500 per ₹1 lakh of base sum insured. Cashless only.

Pre-Hospitalisation

Activate Booster Plan B

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

VS

Health Companion Variant 1

60 days before admission

Post-Hospitalisation

Activate Booster Plan B

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

VS

Health Companion Variant 1

180 days after discharge

Outpatient Department Cover (OPD Expense)

Activate Booster Plan B

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

VS

Health Companion Variant 1

Not covered

Deductible Option

Activate Booster Plan B

Available

VS

Health Companion Variant 1

Annual aggregate deductible from ₹10,000 to ₹10 lakh

Coverage Options

Activate Booster Plan B

Available coverage options: ₹10L, 15L, 20L, 25L, 45L, 50L, 85L, 90L, 95L, 1Cr, 3Cr

VS

Health Companion Variant 1

Individual or floater, with optional hospital cash, personal accident and deductible

Claim Settlement Ratio

Activate Booster Plan B

97.16%

VS

Health Companion Variant 1

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

Activate Booster Plan B

Not available

VS

Health Companion Variant 1

Not covered

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?

End-to-End Support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

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Pure advice, no unwanted calls, no unnecessary push

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.

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