Insurance Plans Comparison
ICICI Lombard Criti Shield Plus vs Niva Bupa Health Premia Gold
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreCriti Shield Plus
Criti Shield Plus
What Makes It Special:
Criti Shield Plus is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.
Best For:
- Not available
VS
Health Premia Gold
Health Premia Gold offers ₹10-50 Lakh cover with 100% refill, 10% yearly loyalty additions, maternity cover and in-built single-trip travel insurance.
What Makes It Special:
Health Premia Gold is the mid-tier plan of Niva Bupa's Health Premia product. Along with hospitalisation up to Sum Insured (any room except suite), 90/180 days pre/post-hospitalisation and AYUSH cover, it adds LASER surgery cover and an in-built international cover of up to ₹30 Lakh for one trip of up...
Best For:
Extended families (Family First) wanting up to 19 relationships in one policy
Buyers who want a 100% refill plus 10% yearly loyalty additions regardless of claims
People who want LASER surgery and mental health cover included
Frequent-ish travellers who value in-built overseas emergency cover for one trip a year
Families wanting ₹10-50 Lakh cover with maternity and newborn benefits
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
Not available
Things to Consider: Domestic OPD cover and Second Medical Opinion are not included in Gold.
Things to Consider: Robotic surgery, some mental disorders and HIV/AIDS have sub-limits; mental illness has a 36-month waiting period.
Things to Consider: Non-payable items (consumables like gloves) need the paid Safeguard add-on.
Things to Consider: Choosing Zone 2 pricing means a 20% co-payment for treatment in Mumbai, Delhi NCR, Kolkata and Gujarat.
Things to Consider: Maternity cover is only for Family Floater / Family First policies and needs 24 months of continuous cover.
Reasons to Consider: In-built international cover (₹30 Lakh, one trip) and LASER surgery cover are included.
Reasons to Consider: PED waiting period is 24 months and specific disease waiting period is just 12 months.
Reasons to Consider: Pre and post-hospitalisation are covered for 90 and 180 days.
Reasons to Consider: A 100% Re-fill of Base Sum Insured is available once a year for any illness.
Reasons to Consider: Loyalty Additions grow your cover by 10% of Base Sum Insured every year (up to 100%), even if you make a claim.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Criti Shield Plus Health Insurance Plan VS VS |
Health Premia Gold Health Insurance Plan |
| Room Rent |
|---|
Criti Shield Plus Normal: Not Applicable ICU: Not Applicable |
VS VS |
Health Premia Gold Covered up to Sum Insured, any room except Suite or above (all Gold variants incl. Family First). Proportionate deduction applies if a higher room than eligible is taken |
| Advanced Treatments |
|---|
Criti Shield Plus Bone Marrow Transplant Major Organ Transplant Open Chest CABG Open Heart Valve Replacement/Repair Surgery of Aorta Angioplasty Balloon Valvotomy / Valvuloplasty Cardiac Defibrillator Insertion Carotid Artery Surgery Small Bowel Transplant |
VS VS |
Health Premia Gold Information Unavailable |
| ICU Charges |
|---|
Criti Shield Plus Information Unavailable |
VS VS |
Health Premia Gold Covered up to Sum Insured as part of In-patient Care; no separate ICU cap stated |
| Co-payment |
|---|
Criti Shield Plus Not Applicable |
VS VS |
Health Premia Gold No mandatory co-payment with Zone 1 pricing. With Zone 2 pricing, 20% co-pay applies to treatment in Mumbai (incl. Navi Mumbai & Thane), Delhi NCR, Kolkata and Gujarat. OPD claims under International Coverage have 20% co-pay |
| Disease-wise sublimits |
|---|
Criti Shield Plus Information Unavailable |
VS VS |
Health Premia Gold No sublimits on common conditions like cataract or joint replacement. Sublimits apply to: robotic surgeries (₹1 Lakh, with exceptions), specified mental disorders (₹50,000), HIV/AIDS (₹50,000 per year), LASER surgery (up to ₹50,000), non-network road ambulance (₹2,000 per event) |
| Waiting Period |
|---|
Criti Shield Plus Initial Waiting Period: 90 Days Pre-existing Disease Waiting Period: Pre-existing diseases are excluded |
VS VS |
Health Premia Gold Information Unavailable |
| Cashless Healthcare Providers |
|---|
Criti Shield Plus Not Applicable |
VS VS |
Health Premia Gold Cashless treatment at Niva Bupa network hospitals across India; 10,000+ network hospitals (approximate, per Platinum brochure and Annual Report FY 2024-25; subject to change). Pre-authorisation target of 30 minutes |
| Restoration Benefit |
|---|
Criti Shield Plus Information Unavailable |
VS VS |
Health Premia Gold Re-fill Benefit: up to 100% of Base Sum Insured once per policy year, for the same or a different illness, after the Sum Insured is partly or fully used. Not available under the Family First variant |
| Daycare Treatment |
|---|
Criti Shield Plus Not Applicable |
VS VS |
Health Premia Gold All listed day care procedures (Annexure III) covered up to Sum Insured |
| Cumulative Bonus |
|---|
Criti Shield Plus Information Unavailable |
VS VS |
Health Premia Gold Loyalty Additions of 10% of expiring Base Sum Insured every policy year, up to 100%, even if you claim. Optional Enhanced Loyalty Addition: 20% per year, up to 200% |
| AYUSH Treatment |
|---|
Criti Shield Plus Not Mentioned |
VS VS |
Health Premia Gold In-patient Ayurveda, Unani, Siddha and Homeopathy treatment in an AYUSH hospital covered up to Sum Insured, with 90/180 days pre/post-hospitalisation |
| Consumable Cover |
|---|
Criti Shield Plus Information Unavailable |
VS VS |
Health Premia Gold Allowable consumables paid within hospital bills; IRDAI non-payable items are not covered in the base plan. Covered with the optional Safeguard (List I) or Safeguard+ (Lists I-IV) add-on (Add-on UIN NBHHLIA24109V022324) |
| Initial Waiting Period |
|---|
Criti Shield Plus Information Unavailable |
VS VS |
Health Premia Gold 30 days (not for accidents or renewals) |
| Specific Waiting Period |
|---|
Criti Shield Plus Information Unavailable |
VS VS |
Health Premia Gold 12 months for listed conditions (e.g. cataract, hernia, joint/spine disorders, piles). Accidents covered from day 1; cancer after the 30-day wait. Mental illness and LASER surgery: 36 months. HIV/AIDS: 48 months |
| PED Waiting Period |
|---|
Criti Shield Plus Information Unavailable |
VS VS |
Health Premia Gold 24 months of continuous cover |
| Modern Treatment |
|---|
Criti Shield Plus Information Unavailable |
VS VS |
Health Premia Gold Covered up to Sum Insured (12 listed procedures, e.g. robotic surgery, oral chemotherapy, immunotherapy, stem cell therapy). Robotic surgeries capped at ₹1 Lakh, except robotic radical prostatectomy, cardiac, partial nephrectomy and cancer surgeries |
| Annual Health Checkup |
|---|
Criti Shield Plus Information Unavailable |
VS VS |
Health Premia Gold Annual from Day 1: tests up to ₹2,500 per insured (₹10-20L SI), ₹5,000 (₹30L), ₹7,500 (₹50L). Family First Gold: ₹2,500 |
| Pre-Hospitalisation |
|---|
Criti Shield Plus Information Unavailable |
VS VS |
Health Premia Gold Up to 90 days before admission, covered up to Sum Insured |
| Post-Hospitalisation |
|---|
Criti Shield Plus Information Unavailable |
VS VS |
Health Premia Gold Up to 180 days after discharge, covered up to Sum Insured |
| Outpatient Department Cover (OPD Expense) |
|---|
Criti Shield Plus Information Unavailable |
VS VS |
Health Premia Gold Domestic OPD: Not available under Gold. (OPD abroad is covered only within the in-built International Coverage, with 20% co-pay). Unlimited e-consultations included in all plans |
| Deductible Option |
|---|
Criti Shield Plus Information Unavailable |
VS VS |
Health Premia Gold Not available (the policy wording has no deductible option for Health Premia) |
| Coverage Options |
|---|
Criti Shield Plus Information Unavailable |
VS VS |
Health Premia Gold Individual / Family Floater: ₹10, 15, 20, 30 or 50 Lakh Base Sum Insured. Family First variant: Base Individual SI ₹5-10 Lakh per person with a shared floater layer on top. Policy types: Individual, Family Floater (up to 6 members, max 4 children) and Family First (up to 19 relationships). Entry age: adults 18-65, children 91 days-30 years. 1, 2 or 3-year terms; lifelong renewal |
| Claim Settlement Ratio |
|---|
Criti Shield Plus Information Unavailable |
VS VS |
Health Premia Gold 93.5% of claims settled (by number) for Health Premia in FY 2025-26. Source: Niva Bupa Public Disclosures FY2025-26 (Form NL-47), https://transactions.nivabupa.com/pages/doc/pub-dis/quarterly-reports/Website-Public-Disclosures-Mar-2026.pdf. Company-level: 94.4% (Niva Bupa Annual Report FY 2025-26) |
| Maternity Cover |
|---|
Criti Shield Plus Information Unavailable |
VS VS |
Health Premia Gold Covered only under Family Floater / Family First (not Individual), after 24 months continuous cover, up to 2 pregnancies/terminations: ₹70,000 (₹10L), ₹75,000 (₹15L), ₹80,000 (₹20L), ₹1,00,000 (₹30L/₹50L); Family First Gold ₹50,000. New born covered up to SI till end of policy year; newborn vaccination in first year |
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?
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
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
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
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.
Explore Our Most Popular Plans
Compare With Other Health Insurance Plans
Criti Shield Plus vs Optima Secure
Criti Shield Plus vs Super Mediclaim
Criti Shield Plus vs Health Recharge
Criti Shield Plus vs Cancer Cover Activ Cancer Secure Plan
Criti Shield Plus vs Optima Secure Plus
Criti Shield Plus vs Women Care
Criti Shield Plus vs Aspire Diamond+
Criti Shield Plus vs Activate Booster Plan A
Criti Shield Plus vs Active Care Premier
Criti Shield Plus vs ProHealth Accumulate
Criti Shield Plus vs Health Super Saver Standard
Criti Shield Plus vs Supreme Shine
Criti Shield Plus vs Optima Secure Global Plus
Criti Shield Plus vs Health Cardiac Care Silver & Gold Plan
Criti Shield Plus vs myHealth Suraksha Gold
Criti Shield Plus vs LifeTime Health Global
Criti Shield Plus vs Active Fit Plus
Criti Shield Plus vs OneHealth Premium
Criti Shield Plus vs Activ Health Platinum Essential
Criti Shield Plus vs Medicare Plus
Criti Shield Plus vs Medicare Senior
Criti Shield Plus vs Enhance Super Top-up Two
Criti Shield Plus vs Medicare Protect
Criti Shield Plus vs Activ One SAVR
Criti Shield Plus vs Active Assure Diamond
Criti Shield Plus vs Activ One VIP
Criti Shield Plus vs Health Pulse Classic
Criti Shield Plus vs Advantage
Criti Shield Plus vs Special Care Gold
Criti Shield Plus vs Activ One Max
Criti Shield Plus vs Classic
Criti Shield Plus vs Activ One Vytl
Criti Shield Plus vs Supreme
Criti Shield Plus vs Freedom
Criti Shield Plus vs Sarvah Pratham
Criti Shield Plus vs Joy Today
Criti Shield Plus vs Medi Classic
Criti Shield Plus vs Activate Booster Plan B
Criti Shield Plus vs Aspire Gold+
Criti Shield Plus vs Aspire Platinum+
Criti Shield Plus vs Plus Complete
Criti Shield Plus vs Reassure 2.0 Platinum+
Criti Shield Plus vs Elder Care
Criti Shield Plus vs Reassure 3.0 Elite
Criti Shield Plus vs EquiCover
Criti Shield Plus vs Young Star Gold
Criti Shield Plus vs Enhance Super Top-up One
Criti Shield Plus vs Joy Tomorrow
Criti Shield Plus vs Activ One VIP+
Criti Shield Plus vs Reassure 3.0 Select
Criti Shield Plus vs Red Carpet Senior Citizens
Criti Shield Plus vs Medicare Premier
Criti Shield Plus vs Family Health Optima
Criti Shield Plus vs Health Companion Variant 2022
Criti Shield Plus vs Health Companion Variant 3
Criti Shield Plus vs Plus Youth
Criti Shield Plus vs Assure
Criti Shield Plus vs Health Premia Gold
Criti Shield Plus vs Health Premia Platinum
Criti Shield Plus vs Cancer Care Platinum
Criti Shield Plus vs Optima Lite
Criti Shield Plus vs ProHealth Prime Protect
Criti Shield Plus vs Comprehensive
Criti Shield Plus vs HeartBeat Enhanced
Criti Shield Plus vs Reassure
Criti Shield Plus vs Supreme Senior Premium
Criti Shield Plus vs Health Recharge Super Top Up Plan
Criti Shield Plus vs Reassure 3.0
Criti Shield Plus vs myHealth Suraksha Platinum
Criti Shield Plus vs Supreme Value for Money
Criti Shield Plus vs Supreme Senior Super
Criti Shield Plus vs Supreme Enhance
Criti Shield Plus vs Reassure 2.0 Gold
Criti Shield Plus vs Medicare
Criti Shield Plus vs Ultimate (Direct)
Criti Shield Plus vs Young Star
Criti Shield Plus vs Sarvah Param
Criti Shield Plus vs Optima Insurance
Criti Shield Plus vs Smart Super Health Assure
Criti Shield Plus vs Reassure 3.0 Black
Criti Shield Plus vs Health Guard Platinum
Criti Shield Plus vs Health Guard Gold
Criti Shield Plus vs Elevate (Direct)
Criti Shield Plus vs Extra Care Plus Super Top-up
Criti Shield Plus vs Health Care Supreme Smart
Criti Shield Plus vs Smart Health Pro
Criti Shield Plus vs Medi Classic Gold
Criti Shield Plus vs Optima Super Secure
Criti Shield Plus vs Special Care
Criti Shield Plus vs Medicare LITE
Criti Shield Plus vs Health Shield 360
Criti Shield Plus vs SecureHealth
Criti Shield Plus vs Supreme (Direct)
Criti Shield Plus vs Plus
Criti Shield Plus vs Mediclaim Insurance Policy
Criti Shield Plus vs Medicare Select
Criti Shield Plus vs Health Gain
Criti Shield Plus vs myHealth Koti Suraksha
Criti Shield Plus vs Senior
Criti Shield Plus vs myHealth Suraksha Silver
Criti Shield Plus vs Cardiac Care Platinum
Criti Shield Plus vs Royal Sundaram Lifeline Elite
Criti Shield Plus vs Super Surplus Gold
Criti Shield Plus vs Supreme Enhance One
Criti Shield Plus vs Supreme Enhance Two
Criti Shield Plus vs HeartBeat Platinum
Criti Shield Plus vs HeartBeat Gold
Criti Shield Plus vs Health SuperCharge
Criti Shield Plus vs Aspire Titanium+
Criti Shield Plus vs iHealth Plus
Criti Shield Plus vs ProHealth Prime Advantage
Criti Shield Plus vs Active Fit Preferred
Criti Shield Plus vs Reassure 3.0 Classic
Criti Shield Plus vs Senior Health Advantage
Criti Shield Plus vs Health Wallet
Criti Shield Plus vs Elevate
Criti Shield Plus vs Heart
Criti Shield Plus vs LifeTime Health
Criti Shield Plus vs Reassure 2.0 Titanium+
Criti Shield Plus vs ProHealth Prime Active
Criti Shield Plus vs ProHealth Prime Senior Elite
Criti Shield Plus vs Advanced Top Up
Criti Shield Plus vs Multiplier Health
Criti Shield Plus vs Diabetes Safe Plan A
Criti Shield Plus vs Reassure 2.0 Bronze+
Criti Shield Plus vs Enhance Super Top-up
Criti Shield Plus vs Young Star Silver
Criti Shield Plus vs Star Women Care Policy
Criti Shield Plus vs Joy
Criti Shield Plus vs Supreme Senior Health AdvantEdge
Criti Shield Plus vs Family Plus
Criti Shield Plus vs Health Care Supreme Ultimo
Criti Shield Plus vs Health Shield 360 Retail
Criti Shield Plus vs Super Star
Criti Shield Plus vs Supreme Super Saver
Criti Shield Plus vs Senior First Platinum
Criti Shield Plus vs Optima Secure Global
Criti Shield Plus vs NextGen
Criti Shield Plus vs Health Insurance Platinum
Criti Shield Plus vs Energy Silver With Copay
Health Premia Gold vs Optima Secure
Health Premia Gold vs Super Mediclaim
Health Premia Gold vs Health Recharge
Health Premia Gold vs Cancer Cover Activ Cancer Secure Plan
Health Premia Gold vs Optima Secure Plus
Health Premia Gold vs Women Care
Health Premia Gold vs Aspire Diamond+
Health Premia Gold vs Activate Booster Plan A
Health Premia Gold vs Active Care Premier
Health Premia Gold vs ProHealth Accumulate
Health Premia Gold vs Health Super Saver Standard
Health Premia Gold vs Supreme Shine
Health Premia Gold vs Optima Secure Global Plus
Health Premia Gold vs Health Cardiac Care Silver & Gold Plan
Health Premia Gold vs myHealth Suraksha Gold
Health Premia Gold vs LifeTime Health Global
Health Premia Gold vs Active Fit Plus
Health Premia Gold vs OneHealth Premium
Health Premia Gold vs Activ Health Platinum Essential
Health Premia Gold vs Medicare Plus
Health Premia Gold vs Medicare Senior
Health Premia Gold vs Enhance Super Top-up Two
Health Premia Gold vs Medicare Protect
Health Premia Gold vs Activ One SAVR
Health Premia Gold vs Active Assure Diamond
Health Premia Gold vs Activ One VIP
Health Premia Gold vs Health Pulse Classic
Health Premia Gold vs Advantage
Health Premia Gold vs Special Care Gold
Health Premia Gold vs Activ One Max
Health Premia Gold vs Classic
Health Premia Gold vs Activ One Vytl
Health Premia Gold vs Supreme
Health Premia Gold vs Freedom
Health Premia Gold vs Sarvah Pratham
Health Premia Gold vs Joy Today
Health Premia Gold vs Medi Classic
Health Premia Gold vs Activate Booster Plan B
Health Premia Gold vs Aspire Gold+
Health Premia Gold vs Aspire Platinum+
Health Premia Gold vs Plus Complete
Health Premia Gold vs Reassure 2.0 Platinum+
Health Premia Gold vs Elder Care
Health Premia Gold vs Reassure 3.0 Elite
Health Premia Gold vs EquiCover
Health Premia Gold vs Young Star Gold
Health Premia Gold vs Enhance Super Top-up One
Health Premia Gold vs Joy Tomorrow
Health Premia Gold vs Activ One VIP+
Health Premia Gold vs Reassure 3.0 Select
Health Premia Gold vs Red Carpet Senior Citizens
Health Premia Gold vs Medicare Premier
Health Premia Gold vs Family Health Optima
Health Premia Gold vs Health Companion Variant 2022
Health Premia Gold vs Health Companion Variant 3
Health Premia Gold vs Plus Youth
Health Premia Gold vs Assure
Health Premia Gold vs Health Premia Platinum
Health Premia Gold vs Cancer Care Platinum
Health Premia Gold vs Optima Lite
Health Premia Gold vs ProHealth Prime Protect
Health Premia Gold vs Comprehensive
Health Premia Gold vs HeartBeat Enhanced
Health Premia Gold vs Reassure
Health Premia Gold vs Supreme Senior Premium
Health Premia Gold vs Health Recharge Super Top Up Plan
Health Premia Gold vs Reassure 3.0
Health Premia Gold vs myHealth Suraksha Platinum
Health Premia Gold vs Supreme Value for Money
Health Premia Gold vs Supreme Senior Super
Health Premia Gold vs Supreme Enhance
Health Premia Gold vs Reassure 2.0 Gold
Health Premia Gold vs Medicare
Health Premia Gold vs Ultimate (Direct)
Health Premia Gold vs Young Star
Health Premia Gold vs Sarvah Param
Health Premia Gold vs Optima Insurance
Health Premia Gold vs Smart Super Health Assure
Health Premia Gold vs Reassure 3.0 Black
Health Premia Gold vs Health Guard Platinum
Health Premia Gold vs Health Guard Gold
Health Premia Gold vs Elevate (Direct)
Health Premia Gold vs Extra Care Plus Super Top-up
Health Premia Gold vs Health Care Supreme Smart
Health Premia Gold vs Smart Health Pro
Health Premia Gold vs Medi Classic Gold
Health Premia Gold vs Optima Super Secure
Health Premia Gold vs Special Care
Health Premia Gold vs Medicare LITE
Health Premia Gold vs Health Shield 360
Health Premia Gold vs SecureHealth
Health Premia Gold vs Supreme (Direct)
Health Premia Gold vs Plus
Health Premia Gold vs Mediclaim Insurance Policy
Health Premia Gold vs Medicare Select
Health Premia Gold vs Health Gain
Health Premia Gold vs myHealth Koti Suraksha
Health Premia Gold vs Senior
Health Premia Gold vs myHealth Suraksha Silver
Health Premia Gold vs Cardiac Care Platinum
Health Premia Gold vs Royal Sundaram Lifeline Elite
Health Premia Gold vs Super Surplus Gold
Health Premia Gold vs Supreme Enhance One
Health Premia Gold vs Supreme Enhance Two
Health Premia Gold vs HeartBeat Platinum
Health Premia Gold vs HeartBeat Gold
Health Premia Gold vs Health SuperCharge
Health Premia Gold vs Aspire Titanium+
Health Premia Gold vs iHealth Plus
Health Premia Gold vs ProHealth Prime Advantage
Health Premia Gold vs Active Fit Preferred
Health Premia Gold vs Reassure 3.0 Classic
Health Premia Gold vs Senior Health Advantage
Health Premia Gold vs Health Wallet
Health Premia Gold vs Elevate
Health Premia Gold vs Heart
Health Premia Gold vs LifeTime Health
Health Premia Gold vs Reassure 2.0 Titanium+
Health Premia Gold vs ProHealth Prime Active
Health Premia Gold vs ProHealth Prime Senior Elite
Health Premia Gold vs Advanced Top Up
Health Premia Gold vs Multiplier Health
Health Premia Gold vs Diabetes Safe Plan A
Health Premia Gold vs Reassure 2.0 Bronze+
Health Premia Gold vs Enhance Super Top-up
Health Premia Gold vs Young Star Silver
Health Premia Gold vs Star Women Care Policy
Health Premia Gold vs Joy
Health Premia Gold vs Supreme Senior Health AdvantEdge
Health Premia Gold vs Family Plus
Health Premia Gold vs Criti Shield Plus
Health Premia Gold vs Health Care Supreme Ultimo
Health Premia Gold vs Health Shield 360 Retail
Health Premia Gold vs Super Star
Health Premia Gold vs Supreme Super Saver
Health Premia Gold vs Senior First Platinum
Health Premia Gold vs Optima Secure Global
Health Premia Gold vs NextGen
Health Premia Gold vs Health Insurance Platinum
Health Premia Gold vs Energy Silver With Copay
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.







.png)

