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Insurance Plans Comparison

ICICI Lombard Health Elite Plus 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

Health Elite Plus

Get a single private room and reset up to 100% of the sum insured once for the same illness and unlimited times for a different illness, with a 20% loyalty bonus up to 100% that stays after a claim.

What Makes It Special:

ICICI Lombard Health Elite Plus offers an unlimited reset benefit that can replenish up to 100% of the base sum insured when the available cover becomes insufficient after previous claims. It can be used unlimited times for different illnesses and once for the same illness, subject to policy conditions. The plan...

Best For:

  • Buyers who want the option to add specific benefits, such as worldwide hospitalisation cover or outpatient services, subject to eligibility and additional premium.

  • Customers seeking benefits such as donor expenses, domiciliary hospitalisation and air ambulance cover.

  • People who value a guaranteed cumulative bonus that can increase their available cover over time.

  • Buyers who want a reset benefit for eligible subsequent hospitalisation claims.

  • Individuals or families looking for a health insurance plan with multiple sum insured options.

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 Health Elite Plus

  • If you need worldwide cover or other add-ons, confirm their availability, waiting periods, limits and additional premium before purchasing.

  • If you opt for voluntary co-payment or treatment outside your selected pricing zone, account for the applicable out-of-pocket share.

  • If you expect to use outpatient services, confirm whether the optional BeFit cover is selected and what its specific limits include.

  • If you have a pre-existing condition, check the 24-month waiting period and disclose your medical history accurately.

  • Choose a sum insured that fits your expected medical costs and check how room eligibility changes at the ₹20 lakh threshold.

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

Health Elite Plus
Health Elite Plus

Health Insurance Plan

Brochure

Policy Wording

VS
Health Recharge
Health Recharge

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Health Elite Plus

  1. Normal: Covered Up to Sum Insured
  2. ICU: Covered up to sum insured
VS

Health Recharge

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

Advanced Treatments

Health Elite Plus

  1. Oral chemotherapy
  2. Robotic surgeries
  3. Stem cell therapy
VS

Health Recharge

Information Unavailable

ICU Charges

Health Elite Plus

Not verified for the exact current variant configuration.

VS

Health Recharge

Covered up to sum insured with no specific restrictions.

Co-payment

Health Elite Plus

Insured can choose 10% or 20% co-payment, allowing cost-sharing for lower premium expenses.

VS

Health Recharge

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

Disease-wise sublimits

Health Elite Plus

Cataract treatment is limited to 10% of the sum insured, up to ₹1 lakh per eye, after the applicable two-year period. Other applicable limits and exclusions must be checked in the policy wording.

VS

Health Recharge

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

Cashless Healthcare Providers

Health Elite Plus

10,000+ Cashless Healthcare Providers

VS

Health Recharge

10,000+ Niva Bupa empanelled network hospitals.

Restoration Benefit

Health Elite Plus

Reset of up to 100% of the base sum insured, unlimited times for different illnesses and once for the same illness. It does not trigger on the first claim and is subject to the policy conditions.

VS

Health Recharge

Not available under Health Recharge plan.

Daycare Treatment

Health Elite Plus

Covers procedures requiring less than 24-hour hospitalization, like cataract surgery and chemotherapy.

VS

Health Recharge

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

Cumulative Bonus

Health Elite Plus

Loyalty bonus is described in the available policy information; current applicable rate and maximum require verification.

VS

Health Recharge

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

AYUSH Treatment

Health Elite Plus

Coverage for Ayurveda, Yoga, Unani, Siddha, and Homeopathy at government-recognized institutions.

VS

Health Recharge

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

Consumable Cover

Health Elite Plus

Not verified as a standard benefit for the exact current variant.

VS

Health Recharge

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

Initial Waiting Period

Health Elite Plus

30 days for illnesses from the start of the policy; accidents are excluded from this waiting-period restriction.

VS

Health Recharge

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

Specific Waiting Period

Health Elite Plus

24 months for specified diseases and procedures listed in the policy.

VS

Health Recharge

24 months for specified diseases and procedures listed in policy.

PED Waiting Period

Health Elite Plus

24 months for declared and accepted pre-existing diseases, subject to policy terms and applicable portability rules.

VS

Health Recharge

36 months continuous coverage from policy inception.

Modern Treatment

Health Elite Plus

Covered up to the annual sum insured, subject to policy terms and exclusions.

VS

Health Recharge

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

Annual Health Checkup

Health Elite Plus

Preventive health check-up available at designated centres, subject to policy conditions.

VS

Health Recharge

Not listed as base benefit; health assessment available separately.

Pre-Hospitalisation

Health Elite Plus

60 days


VS

Health Recharge

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

Post-Hospitalisation

Health Elite Plus

180 days.

VS

Health Recharge

Up to 90 days after discharge for eligible medical expenses.

Outpatient Department Cover (OPD Expense)

Health Elite Plus

Not included as a general unlimited standard benefit. Optional BeFit provides specified outpatient consultations and related benefits on a cashless basis, according to the selected plan.

VS

Health Recharge

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

Deductible Option

Health Elite Plus

No deductible option.

VS

Health Recharge

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

Coverage Options

Health Elite Plus

Individual and family floater options, with sum insured options from ₹5 lakh to ₹3 crore.

VS

Health Recharge

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

Claim Settlement Ratio

Health Elite Plus

Information Unavailable

VS

Health Recharge

80%

Maternity Cover

Health Elite Plus

Childbirth-related medical expenses are excluded, except ectopic pregnancy, as stated in the exclusions.

VS

Health Recharge

Excluded under this policy.

Insurance Plans Comparison

Still Confused? Get Expert Advice

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Why Choose Our Expert Consultation?

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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

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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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