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Insurance Plans Comparison

ICICI Lombard Health Elite Plus vs Niva Bupa Reassure 3.0 Elite

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

Reassure 3.0 Elite

Health insurance with enhanced modern treatment coverage, broader room eligibility and flexible cost-sharing options.

What Makes It Special:

ReAssure 3.0 Elite offers hospitalisation coverage with unlimited modern treatment coverage and eligibility for all room categories except Deluxe and Suite. The plan includes pre- and post-hospitalisation benefits, AYUSH treatment and ambulance coverage, subject to policy conditions. It also offers configurable co-payment and annual aggregate deductible options. Optional enhancements include...

Best For:

  • Buyers who value additional wellness benefits and claim-free-year rewards, subject to eligibility.

  • Individuals interested in optional OPD and specified non-payable expense coverage.

  • Buyers who prefer flexible co-payment and deductible options.

  • Individuals seeking coverage for modern treatments, subject to policy conditions.

  • Buyers who want broader room eligibility than a general-room or twin-sharing restriction.

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 Reassure 3.0 Elite

  • Optional benefits: Review the costs, limits and conditions of OPD coverage, non-payable expense protection and other add-ons.

  • Coverage limits: Confirm the sum insured, treatment-specific limits, ambulance benefits and restoration conditions.

  • Out-of-pocket costs: Compare co-payment percentages and deductible options before selecting the policy.

  • Waiting periods: Review initial, pre-existing disease and specific-disease waiting periods, including any available modifications.

  • Room eligibility: Check the exclusion of Deluxe and Suite rooms and understand the consequences of choosing a room outside the permitted category.

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
Reassure 3.0 Elite
Reassure 3.0 Elite

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

Reassure 3.0 Elite

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

Advanced Treatments

Health Elite Plus

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

Reassure 3.0 Elite

Information Unavailable

ICU Charges

Health Elite Plus

Not verified for the exact current variant configuration.

VS

Reassure 3.0 Elite

Covered as part of hospitalisation expenses up to SI.

Co-payment

Health Elite Plus

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

VS

Reassure 3.0 Elite

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

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

Reassure 3.0 Elite

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

Cashless Healthcare Providers

Health Elite Plus

10,000+ Cashless Healthcare Providers

VS

Reassure 3.0 Elite

Niva Bupa network hospitals subject to authorisation.

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

Reassure 3.0 Elite

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

Daycare Treatment

Health Elite Plus

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

VS

Reassure 3.0 Elite

Covered for ≥2 hours hospitalisations per policy terms

Cumulative Bonus

Health Elite Plus

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

VS

Reassure 3.0 Elite

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

AYUSH Treatment

Health Elite Plus

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

VS

Reassure 3.0 Elite

Covered for ≥24 hours AYUSH hospitalisation up to SI.

Consumable Cover

Health Elite Plus

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

VS

Reassure 3.0 Elite

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

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

Reassure 3.0 Elite

30 days (except accidents).

Specific Waiting Period

Health Elite Plus

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

VS

Reassure 3.0 Elite

24 months standard with modifiable options.

PED Waiting Period

Health Elite Plus

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

VS

Reassure 3.0 Elite

36 months standard with reduction option available.

Modern Treatment

Health Elite Plus

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

VS

Reassure 3.0 Elite

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

Annual Health Checkup

Health Elite Plus

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

VS

Reassure 3.0 Elite

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

Pre-Hospitalisation

Health Elite Plus

60 days


VS

Reassure 3.0 Elite

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

Post-Hospitalisation

Health Elite Plus

180 days.

VS

Reassure 3.0 Elite

Covered for 180 days after discharge for eligible 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

Reassure 3.0 Elite

Not in base; Wellconsult+ available with wellness benefits.

Deductible Option

Health Elite Plus

No deductible option.

VS

Reassure 3.0 Elite

Annual Aggregate Deductible available as optional feature

Coverage Options

Health Elite Plus

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

VS

Reassure 3.0 Elite

₹5L, ₹10L, Unlimited SI.

Claim Settlement Ratio

Health Elite Plus

Information Unavailable

VS

Reassure 3.0 Elite

Not stated for ReAssure 3.0 Elite variant.

Maternity Cover

Health Elite Plus

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

VS

Reassure 3.0 Elite

Not in standard Elite base benefit.

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?

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From choosing the right policy to managing claims, every step is handled for you

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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)

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