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Insurance Plans Comparison

ICICI Lombard Complete Health Insurance Health Protect Plus Plan vs Niva Bupa Reassure 2.0 Bronze+

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

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ICICI Lombard

Complete Health Insurance Health Protect Plus Plan

Cover maternity, a newborn and outpatient treatment together with hospital daily cash and a convalescence benefit, and reset up to 100% of the sum insured once in a policy year for a later unrelated illness.

What Makes It Special:

Health Protect Plus is a plan under ICICI Lombard Complete Health Insurance that combines inpatient hospitalisation cover with eligible daycare procedures, inpatient AYUSH treatment, pre- and post-hospitalisation expenses, and a reset benefit. The plan-specific Key Information Sheet also lists maternity cover after a 36-month waiting period, newborn baby cover following...

Best For:

  • Customers comparing hospitalisation benefits with optional critical illness, donor expense or personal accident covers.

  • Buyers who value a limited combined allowance for outpatient treatment and wellness expenses.

  • Policyholders who want a reset benefit after eligible use of the sum insured.

  • Eligible couples seeking maternity benefits with a three-year waiting period and defined delivery limits.

  • Buyers looking for inpatient hospitalisation and eligible daycare treatment cover.

VS
Niva Bupa

Reassure 2.0 Bronze+

Health insurance with unlimited ReAssure “Forever” cover and a Booster+ benefit that carries forward unused Sum Insured.

What Makes It Special:

Niva Bupa ReAssure 2.0 Bronze is an affordable yet comprehensive health insurance plan offering ₹5 lakh to ₹1 crore coverage for individuals and families. It includes full hospitalisation, ICU charges, pre-/post‑hospitalisation (60/180 days), day‑care, AYUSH, domiciliary care, and modern treatments like robotic surgeries and oral chemotherapy up to sum insured. Key features include...

Best For:

  • Affordable Comprehensive Health Coverage

  • Entry-level Family Floater Plan

  • Restoration-enabled Medical Insurance

  • Balanced Protection with Essential Benefits

Insurance Plans Comparison

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Quick Decision Guide

ICICI Lombard Complete Health Insurance Health Protect Plus Plan

  • Confirm which optional covers have actually been selected and paid for; critical illness, donor expenses and personal accident cover should not be assumed to be included automatically.

  • Treat the ₹5,000 outpatient and wellness allowance as a combined floater limit, not a separate limit for each benefit.

  • Review the cataract sub-limit carefully, as the applicable limit depends on the selected sum insured.

  • If maternity cover matters, check the 36-month waiting period, the requirement for both spouses to be insured and the delivery-related sub-limits.

  • Verify the sum insured and room-rent limits in the policy schedule before comparing premiums or coverage.

Niva Bupa Reassure 2.0 Bronze+

  • You want affordable coverage with comprehensive benefits

  • You need restoration of the unused sum insured

  • You’re looking for essential coverage without extra frills

  • You expect no co-payment or sub-limits on care

  • You prefer day-one health check-ups and e-consults

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Complete Health Insurance Health Protect Plus Plan
Complete Health Insurance Health Protect Plus Plan

Health Insurance Plan

Brochure

VS
Reassure 2.0 Bronze+
Reassure 2.0 Bronze+

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Complete Health Insurance Health Protect Plus Plan

ICICI Health Protect Plus offers coverage for room rent, including both normal and ICU hospitalization, without any sub-limits.

VS

Reassure 2.0 Bronze+

All room categories are covered

Advanced Treatments

Complete Health Insurance Health Protect Plus Plan

Covers advanced treatments, including robotic surgeries, stem cell therapy (if medically necessary), oral chemotherapy, and modern procedures like targeted therapy.

VS

Reassure 2.0 Bronze+

Information Unavailable

ICU Charges

Complete Health Insurance Health Protect Plus Plan

Covered under inpatient treatment, subject to applicable policy terms and limits.

VS

Reassure 2.0 Bronze+

No restriction on ICU room rent

Co-payment

Complete Health Insurance Health Protect Plus Plan

Does not have a mandatory co-payment for most treatments. However, co-payment may apply for senior citizens or specific medical conditions as per policy terms.

VS

Reassure 2.0 Bronze+

Not available

Disease-wise sublimits

Complete Health Insurance Health Protect Plus Plan

Cataract: ₹20,000 per eye per policy year for sum insured up to ₹5 lakh; ₹1 lakh per eye per policy year for sum insured above ₹5 lakh.

VS

Reassure 2.0 Bronze+

No

Cashless Healthcare Providers

Complete Health Insurance Health Protect Plus Plan

10,896+ hospitals across india 

VS

Reassure 2.0 Bronze+

10,000+ Healthcare Providers

Restoration Benefit

Complete Health Insurance Health Protect Plus Plan

Reset Benefit restores up to 100% of sum insured once per policy year, subject to policy conditions; it does not trigger on the first claim.

VS

Reassure 2.0 Bronze+

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

Daycare Treatment

Complete Health Insurance Health Protect Plus Plan

Covered under the policy. 

VS

Reassure 2.0 Bronze+

Daycare Treatment covers medical procedures that require less than 24 hours of hospitalisation due to advanced technology

Cumulative Bonus

Complete Health Insurance Health Protect Plus Plan

10% of annual sum insured per claim-free year, up to 50%; a claim can reduce accrued bonus by 10% of annual sum insured at renewal.

VS

Reassure 2.0 Bronze+

Your sum insured increases by 100% every year, maximum up to 300%

AYUSH Treatment

Complete Health Insurance Health Protect Plus Plan

Covered under this policy

VS

Reassure 2.0 Bronze+

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

Consumable Cover

Complete Health Insurance Health Protect Plus Plan

No separate consumables benefit verified in the available plan-specific information.

VS

Reassure 2.0 Bronze+

No. However, available as an add-on

Initial Waiting Period

Complete Health Insurance Health Protect Plus Plan

30 days for illnesses; injury-related hospitalisation is excepted.

VS

Reassure 2.0 Bronze+

30 days

Specific Waiting Period

Complete Health Insurance Health Protect Plus Plan

24 months for specified illnesses and treatments.

VS

Reassure 2.0 Bronze+

2 years

PED Waiting Period

Complete Health Insurance Health Protect Plus Plan

24 months of continuous coverage.

VS

Reassure 2.0 Bronze+

3 years

Modern Treatment

Complete Health Insurance Health Protect Plus Plan

Not verified in the available Health Protect Plus Key Information Sheet.

VS

Reassure 2.0 Bronze+

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

Annual Health Checkup

Complete Health Insurance Health Protect Plus Plan

Free health-check-up coupon each policy year, subject to a maximum of 2 coupons annually for floater policies.

VS

Reassure 2.0 Bronze+

Health check-up is available once every policy year, from day 1 of the policy

Pre-Hospitalisation

Complete Health Insurance Health Protect Plus Plan

Up to 30 days.

VS

Reassure 2.0 Bronze+

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

Post-Hospitalisation

Complete Health Insurance Health Protect Plus Plan

Up to 60 days.

VS

Reassure 2.0 Bronze+

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

Outpatient Department Cover (OPD Expense)

Complete Health Insurance Health Protect Plus Plan

Included with Wellness & Preventive Healthcare within a combined ₹5,000 floater limit.

VS

Reassure 2.0 Bronze+

OPD expense is not included

Deductible Option

Complete Health Insurance Health Protect Plus Plan

Not verified in the available plan-specific information.

VS

Reassure 2.0 Bronze+

Available as an option

Coverage Options

Complete Health Insurance Health Protect Plus Plan

Individual or floater structure; exact sum insured choices require verification from the applicable schedule.

VS

Reassure 2.0 Bronze+

Available coverage options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L and ₹1 Cr

Claim Settlement Ratio

Complete Health Insurance Health Protect Plus Plan

Not verified against a current, comparable insurer-level CSR disclosure.

VS

Reassure 2.0 Bronze+

92.02%

Maternity Cover

Complete Health Insurance Health Protect Plus Plan

Available after 36 months: normal delivery ₹15,000; caesarean delivery ₹25,000; pre- and post-natal expenses ₹2,000 each, subject to eligibility conditions.

VS

Reassure 2.0 Bronze+

Not available

Insurance Plans Comparison

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Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

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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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