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Insurance Plans Comparison

Niva Bupa Health Recharge Super Top Up Plan vs ICICI Lombard Elevate

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

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Niva Bupa

Health Recharge Super Top Up Plan

Niva Bupa Health Recharge Super Top Up Plan

What Makes It Special:

Health Recharge Super Top Up Plan is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.

Best For:

  • High coverage for seniors and their families

  • Easy cashless service across hospitals nationwide

  • Covers daycare and hospital treatments

  • Extra add-ons for enhanced protection

VS
ICICI Lombard

Elevate

Comprehensive health insurance with high coverage, loyalty bonus and flexible optional benefits

What Makes It Special:

ICICI Lombard’s Elevate health insurance policy is designed to provide comprehensive protection and flexibility. It covers hospitalisation, day-care treatments, pre- and post-hospitalisation expenses (90 to 180 days), AYUSH treatments, ambulance services (road and air), and even worldwide cashless hospitalisation. The policy offers unlimited reset of sum insured, 100% annual increase...

Best For:

  • Comprehensive All-Round Protection

  • Global Health Insurance Coverage

  • Advanced Critical Illness Cover

  • Tech-Enabled Seamless Support

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

Niva Bupa Health Recharge Super Top Up Plan

  • Prefer daily coverage for pharmacy & diagnostics

  • Want flexible deductible options for lower premiums

  • Need cashless treatment at large hospital network

  • Prefer 60-day pre & 90-day post-hospital care

  • You want coverage up to ₹95 lakhs

ICICI Lombard Elevate

  • You want global and all-round health coverage

  • You need CIBIL discount on good credit score

  • You need coverage on conditions like Asthma, BP, Cholesterol, Diabetes from Day 1

  • You need a good customer app which has a simplified claims experience

  • You need unlimited sum insured restoration benefits and high cumulative bonus

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Recharge Super Top Up Plan
Health Recharge Super Top Up Plan

Health Insurance Plan

VS
Elevate
Elevate

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Health Recharge Super Top Up Plan

Accomodation up to 1% of Base Sum Insured per day is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category

VS

Elevate

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

(Option to modify room category)

ICU Charges

Health Recharge Super Top Up Plan

No restriction on ICU room rent

VS

Elevate

No restriction on ICU room rent

Disease-wise sublimits

Health Recharge Super Top Up Plan

No

VS

Elevate

No

Co-payment

Health Recharge Super Top Up Plan

Not Available

VS

Elevate

Available as an option


Restoration Benefit

Health Recharge Super Top Up Plan

Not Available

VS

Elevate

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

(per claim in a policy year for related/unrelated illnesses)

Cashless Healthcare Providers

Health Recharge Super Top Up Plan

Information Unavailable

VS

Elevate

10300+ Healthcare Providers

Cumulative Bonus

Health Recharge Super Top Up Plan

Your sum insured increases by 5% every year, maximum up to 50%

VS

Elevate

Your sum insured increases by 20% every year maximum upto 100%. However, you can pay an additional premium to increase sum insured up to 100%, every year.

(Option to boost coverage by 1x annually)

Daycare Treatment

Health Recharge Super Top Up Plan

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

VS

Elevate

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

Consumable Cover

Health Recharge Super Top Up Plan

Yes

VS

Elevate

No. However, available as an add-on

AYUSH Treatment

Health Recharge Super Top Up Plan

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

VS

Elevate

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


Initial Waiting Period

Health Recharge Super Top Up Plan

30 days.

VS

Elevate

30 days

Specific Waiting Period

Health Recharge Super Top Up Plan

2 years

VS

Elevate

2 years

PED Waiting Period

Health Recharge Super Top Up Plan

3 years

VS

Elevate

3 years

Modern Treatment

Health Recharge Super Top Up Plan

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

VS

Elevate

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

Annual Health Checkup

Health Recharge Super Top Up Plan

Not Available

VS

Elevate

Health checkup is not included as part of base cover. However, available as an add-on

Pre-Hospitalisation

Health Recharge Super Top Up Plan

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

VS

Elevate

You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved

Post-Hospitalisation

Health Recharge Super Top Up Plan

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

VS

Elevate

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


Outpatient Department Cover (OPD Expense)

Health Recharge Super Top Up Plan

OPD expenses are covered

VS

Elevate

OPD expense is not included as part of base cover. However, available as an add-on

Deductible Option

Health Recharge Super Top Up Plan

Available

VS

Elevate

Not available

Coverage Options

Health Recharge Super Top Up Plan

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

VS

Elevate

Available sum insured options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹1 Cr, ₹3 Cr and unlimited sum insured


Claim Settlement Ratio

Health Recharge Super Top Up Plan

92.02%

VS

Elevate

97.16%

Maternity Cover

Health Recharge Super Top Up Plan

Not Available

VS

Elevate

No. However, available as an add-on.


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

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

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.

1-5 of 10 FAQs

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