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Insurance Plans Comparison

Niva Bupa Reassure 3.0 Elite vs ICICI Lombard Criti Shield Plus

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

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Niva Bupa

Reassure 3.0 Elite

Reassure 3.0 Elite

What Makes It Special:

Reassure 3.0 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
ICICI Lombard

Criti Shield Plus

Criti Shield Plus

What Makes It Special:

Criti Shield Plus focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.

Best For:

  • Not available

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

Niva Bupa Reassure 3.0 Elite

Not available

ICICI Lombard Criti Shield Plus

Not available

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Reassure 3.0 Elite
Reassure 3.0 Elite

Health Insurance Plan

Brochure

Policy Wording

VS
Criti Shield Plus
Criti Shield Plus

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Reassure 3.0 Elite

Covers all rooms except Deluxe/Suite at no co-payment; 20% co-payment for Deluxe/Suite.

VS

Criti Shield Plus

Normal: Not Applicable

ICU: Not Applicable

ICU Charges

Reassure 3.0 Elite

Covered as part of hospitalisation expenses up to SI.

VS

Criti Shield Plus

Information Unavailable

Advanced Treatments

Reassure 3.0 Elite

Information Unavailable

VS

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

Co-payment

Reassure 3.0 Elite

Optional: 0%, 20%, 30%, 40%, 50% available.

VS

Criti Shield Plus

Not Applicable

Disease-wise sublimits

Reassure 3.0 Elite

No disease-wise sub-limits; no ₹1L cap on modern treatments.

VS

Criti Shield Plus

Information Unavailable

Waiting Period

Reassure 3.0 Elite

Information Unavailable

VS

Criti Shield Plus

Initial Waiting Period: 90 Days

Pre-existing Disease Waiting Period: Pre-existing diseases are excluded

Cashless Healthcare Providers

Reassure 3.0 Elite

Niva Bupa network hospitals subject to authorisation.

VS

Criti Shield Plus

Not Applicable

Restoration Benefit

Reassure 3.0 Elite

ReAssure Forever: Base SI restored after first claim, unlimited times.

VS

Criti Shield Plus

Information Unavailable

Cumulative Bonus

Reassure 3.0 Elite

Booster+ add on: Accumulates up to 10X base SI carried forward annually.

VS

Criti Shield Plus

Information Unavailable

Daycare Treatment

Reassure 3.0 Elite

Covered for ≥2 hours hospitalisations per policy terms

VS

Criti Shield Plus

Not Applicable

Consumable Cover

Reassure 3.0 Elite

Claim Safeguard+ available as optional (add-on) benefit for non-payable items.

VS

Criti Shield Plus

Information Unavailable

AYUSH Treatment

Reassure 3.0 Elite

Covered for ≥24 hours AYUSH hospitalisation up to SI.

VS

Criti Shield Plus

Not Mentioned

Initial Waiting Period

Reassure 3.0 Elite

30 days (except accidents).

VS

Criti Shield Plus

Information Unavailable

Specific Waiting Period

Reassure 3.0 Elite

24 months standard with modifiable options.

VS

Criti Shield Plus

Information Unavailable

PED Waiting Period

Reassure 3.0 Elite

36 months standard with reduction option available.

VS

Criti Shield Plus

Information Unavailable

Modern Treatment

Reassure 3.0 Elite

Modern treatments covered up to sum insured (no capping like Classic/Select).

VS

Criti Shield Plus

Information Unavailable

Annual Health Checkup

Reassure 3.0 Elite

Available from Day 1 on cashless basis; Elite has broader defined package.

VS

Criti Shield Plus

Information Unavailable

Pre-Hospitalisation

Reassure 3.0 Elite

Up to 60 days before hospitalisation when related to approved claim.

VS

Criti Shield Plus

Information Unavailable

Post-Hospitalisation

Reassure 3.0 Elite

Covered for 180 days after discharge for eligible expenses.

VS

Criti Shield Plus

Information Unavailable

Outpatient Department Cover (OPD Expense)

Reassure 3.0 Elite

Not in base; Wellconsult+ available with wellness benefits.

VS

Criti Shield Plus

Information Unavailable

Deductible Option

Reassure 3.0 Elite

Annual Aggregate Deductible available as optional feature

VS

Criti Shield Plus

Information Unavailable

Coverage Options

Reassure 3.0 Elite

₹5L, ₹10L, Unlimited SI.

VS

Criti Shield Plus

Information Unavailable

Claim Settlement Ratio

Reassure 3.0 Elite

Not stated for ReAssure 3.0 Elite variant.

VS

Criti Shield Plus

Information Unavailable

Maternity Cover

Reassure 3.0 Elite

Not in standard Elite base benefit.

VS

Criti Shield Plus

Information Unavailable

Insurance Plans Comparison

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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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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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