Insurance Plans Comparison
Niva Bupa Reassure 3.0 vs ICICI Lombard Criti Shield Family Shield
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreReassure 3.0
Carry unused base sum insured forward up to 10 times, and unless unlimited sum insured is chosen, the first paid claim triggers a lifelong refill of up to the base sum insured for every later claim.
What Makes It Special:
ReAssure 3.0 is a customisable health insurance plan from Niva Bupa, available in four variants: Classic, Select, Elite and Black. The variants offer Base Sum Insured options of ₹5 lakh, ₹10 lakh or Unlimited. The plan includes hospitalisation cover for stays of 2 hours or more, pre- and post-hospitalisation benefits,...
Best For:
Buyers who want to customise waiting periods, co-payment, deductibles and optional benefits.
Customers who value restoration and carry-forward features, subject to the selected Sum Insured option.
People who want the option of Unlimited Sum Insured.
Families looking for a floater policy covering up to 6 members.
Buyers who want to choose a variant based on room eligibility and budget.
VS
Criti Shield Family Shield
Cover hospitalisation for specified infectious diseases, including listed vector-borne illnesses such as dengue and malaria, and personal accident benefits for death, disablement and accidental hospital treatment.
What Makes It Special:
ICICI Lombard Family Shield combines defined benefits for specified infectious diseases with personal accident and hospital daily cash benefits. Coverage includes selected vector-borne, viral, gastrointestinal and nervous system infections, along with rabies and tetanus. Additional benefits may be available depending on the options selected and the policy certificate.
Best For:
Customers who understand that this is a benefit-specific policy and not a substitute for comprehensive hospitalisation insurance.
Buyers who want to explore optional benefits such as broken bones or burns cover.
People who value fixed hospital daily cash benefits where selected.
Families seeking additional financial protection against eligible accidental injuries.
Buyers looking for defined benefits for specified infectious diseases.
Insurance Plans Comparison
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Quick Decision Guide
Classic and Select have room-category limits and a ₹1 lakh per-claim modern treatment limit. Lock the Clock is available only with Elite and Black.
Consumables and specified non-payable items require the optional Claim Safeguard+ benefit.
Maternity expenses are excluded.
Listed specific diseases and procedures have a 24-month waiting period unless modified.
The standard pre-existing disease waiting period is 36 months unless modified through an eligible option.
Waiting periods, co-payment, deductibles and several optional benefits can be customised.
ReAssure Forever provides unlimited reinstatements after the first paid claim when eligible.
Booster+ can carry forward unused Base Sum Insured up to 10 times for the ₹5 lakh and ₹10 lakh options.
Hospitalisation of 2 hours or more is covered, subject to policy terms.
Unlimited Sum Insured is available across all four variants.
If you need broad coverage for unrelated illnesses, surgeries and hospital bills, compare this policy with a comprehensive indemnity-based health insurance plan.
Review waiting periods carefully, particularly the 30-day waiting period for infectious disease benefits and the pre-existing disease restriction applicable to hospital daily cash benefits.
Review the personal accident benefit amounts and definitions of disability before relying on the policy for accident protection.
Confirm whether hospital daily cash benefits are included and check the applicable daily limits and eligibility conditions.
Check the list of covered infections and their claim requirements to confirm that the policy addresses your priorities.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Reassure 3.0 Health Insurance Plan VS VS |
![]() Criti Shield Family Shield Health Insurance Plan |
| Room Rent |
|---|
Reassure 3.0 General Ward. Select: up to Twin Sharing. Elite: all rooms except Deluxe and Suite. Black: no room-category capping. Choosing a room above the eligible category can result in co-payment on the entire claim, as specified in the policy annexure. |
VS VS |
Criti Shield Family Shield
|
| ICU Charges |
|---|
Reassure 3.0 Covered within hospitalisation expenses up to the Sum Insured. No separate ICU sub-limit is stated in the policy wording |
VS VS |
Criti Shield Family Shield ICU-related cash benefits may be available under selected hospital cash benefits; limits depend on the policy certificate. |
| Advanced Treatments |
|---|
Reassure 3.0 Information Unavailable |
VS VS |
Criti Shield Family Shield
|
| Co-payment |
|---|
Reassure 3.0 No mandatory co-payment applies under the base plan. Room-category co-payment can apply if the insured chooses a room above the variant's eligibility. Optional voluntary co-payment ranges from 0% to 50%. A 20% co-payment may apply when HeadsUp or Tiered Network conditions are not met. |
VS VS |
Criti Shield Family Shield Co payment is applicable as chosen by the insured. It allows the insured to opt for 10% or 20% co-payment. |
| Disease-wise sublimits |
|---|
Reassure 3.0 No general disease-wise sublimits are stated. Classic and Select have a ₹1 lakh per-claim limit for modern treatments. Cataract treatment under these variants is limited to a monofocal lens, subject to policy wording. |
VS VS |
Criti Shield Family Shield Benefits are defined for specified infections and accident-related events; applicable limits are benefit-specific and should be confirmed in the policy certificate. |
| Restoration Benefit |
|---|
Reassure 3.0 ReAssure Forever is triggered after the first paid claim and provides unlimited reinstatements, with each claim covered up to the Base Sum Insured. It remains available for life if the policy is renewed without a break. This benefit applies only when Unlimited Sum Insured has not been selected. |
VS VS |
Criti Shield Family Shield No restoration benefit verified. |
| Cashless Healthcare Providers |
|---|
Reassure 3.0 Cashless treatment is available at Niva Bupa network hospitals. The insurer also describes a Cashless Everywhere facility for non-network hospitals, subject to its process and applicable terms. Current network hospital count requires verification. |
VS VS |
Criti Shield Family Shield 10,000+ Healthcare Providers |
| Cumulative Bonus |
|---|
Reassure 3.0 Booster+ carries forward unused Base Sum Insured into the next policy year, accumulating up to 10 times the Base Sum Insured. This applies to the ₹5 lakh and ₹10 lakh options. Its treatment with Unlimited Sum Insured requires confirmation |
VS VS |
Criti Shield Family Shield No cumulative bonus benefit verified. The published brochure lists a 5% renewal discount and a family discount of up to 7.5%. |
| Daycare Treatment |
|---|
Reassure 3.0 Covered up to the Sum Insured. Hospitalisation of 2 hours or more qualifies, subject to policy terms. AYUSH hospitalisation requires 24 hours or more. |
VS VS |
Criti Shield Family Shield Covers medical procedures requiring hospitalization for less than 24 hours, such as cataract surgery or chemotherapy |
| Consumable Cover |
|---|
Reassure 3.0 Consumables and non-payable items are not covered under the base plan. Optional Claim Safeguard+ covers specified items listed under Lists I to IV. |
VS VS |
Criti Shield Family Shield Not specified. |
| AYUSH Treatment |
|---|
Reassure 3.0 In-patient AYUSH treatment is covered up to the Sum Insured for admissions of 24 hours or more in an AYUSH hospital, subject to policy terms. |
VS VS |
Criti Shield Family Shield . |
| Initial Waiting Period |
|---|
Reassure 3.0 30 days, with accidents covered from Day 1. Optional modifications can reduce the initial waiting period to 7, 10 or 15 days. |
VS VS |
Criti Shield Family Shield 30 days for specific infectious disease and hospital daily cash benefits; 0 days for personal accident benefits, as stated in the published brochure. |
| Specific Waiting Period |
|---|
Reassure 3.0 24 months for listed diseases and procedures. Accidents are covered from Day 1, and cancer is covered after 30 days, subject to policy terms. An optional modification can change the specific waiting period to 12 or 36 months. |
VS VS |
Criti Shield Family Shield 30 days for specific infectious disease benefits. |
| PED Waiting Period |
|---|
Reassure 3.0 36 months for pre-existing diseases. Optional modifications can reduce this to 12 or 24 months. Day 1 PED cover may be available with additional premium loading, subject to underwriting and acceptance. |
VS VS |
Criti Shield Family Shield Two-year pre-existing disease restriction specified for Hospital Daily Cash Benefit; applicability to other benefits must be checked in the policy wording. |
| Modern Treatment |
|---|
Reassure 3.0 Classic and Select: up to ₹1 lakh per claim, removable with the optional Modern Treatments+ benefit. Elite and Black: covered up to the Sum Insured. Covers 12 listed modern treatments, including robotic surgery, oral chemotherapy and stem cell therapy |
VS VS |
Criti Shield Family Shield Not specified as a standalone benefit in the reviewed product information. |
| Annual Health Checkup |
|---|
Reassure 3.0 Available as an optional benefit, with Cashless Only or Cashless + Reimbursement options, once per policy year from Day 1. The policy annexure lists variant-wise packages ranging from 7 tests for Classic to 18 tests for Black. Exact package mapping requires confirmation. |
VS VS |
Criti Shield Family Shield Not specified. |
| Pre-Hospitalisation |
|---|
Reassure 3.0 Covered for 60 days before hospitalisation, up to the Sum Insured. Optional modifications may change this period to 30, 90 or 180 days. |
VS VS |
Criti Shield Family Shield Accidental pre-hospitalisation expenses may be covered under the applicable accident benefit; a general time limit was not verified. |
| Post-Hospitalisation |
|---|
Reassure 3.0 Covered for 180 days after hospital discharge, up to the Sum Insured. Optional modifications may change the period to 30, 60, 90, 270 or 365 days. |
VS VS |
Criti Shield Family Shield Accidental pre- and post-hospitalisation expenses may be covered under the applicable accident benefit; a general post-hospitalisation limit was not verified. |
| Outpatient Department Cover (OPD Expense) |
|---|
Reassure 3.0 OPD expenses are not covered under the base plan. Optional WellConsult+ provides an OPD limit linked to 1x to 5x of the base premium, with a 20% co-payment on reimbursement claims. Unlimited e-consultations are included in the base plan. |
VS VS |
Criti Shield Family Shield No general OPD benefit verified. Accident-related diagnostic tests may be covered under the applicable benefit. |
| Deductible Option |
|---|
Reassure 3.0 Optional annual aggregate deductible of ₹10,000, ₹20,000, ₹30,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹4 lakh or ₹5 lakh. The deductible cannot be combined with voluntary co-payment. |
VS VS |
Criti Shield Family Shield Any deductible or loss-sharing provision must be confirmed in the policy certificate. |
| Coverage Options |
|---|
Reassure 3.0 Base Sum Insured options of ₹5 lakh, ₹10 lakh or Unlimited. Available on an individual, multi-individual or family floater basis, covering up to 6 members. Policy terms range from 1 to 5 years. |
VS VS |
Criti Shield Family Shield Specific infectious disease benefits, personal accident benefits, hospital daily cash benefits and selected additional benefits. |
| Claim Settlement Ratio |
|---|
Reassure 3.0 96.8% of claims settled by number in FY 2025-26 for the combined ReAssure product line. The insurer's disclosure groups ReAssure, ReAssure 2.0 and ReAssure 3.0 UINs together, so this is not a ReAssure 3.0-only figure. Niva Bupa's company-level figure was 94.4% for FY 2025-26. |
VS VS |
Criti Shield Family Shield FY 2024-25: ~84% |
| Maternity Cover |
|---|
Reassure 3.0 Maternity expenses are excluded under the standard policy terms. No maternity-specific optional benefit was identified in the reviewed documents. |
VS VS |
Criti Shield Family Shield Maternity and pregnancy-termination expenses are listed among exclusions. |
Insurance Plans Comparison
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