ICICI Lombard Health Insurance Activate Booster Plan B vs Niva Bupa Health Insurance Senior First Platinum

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

Single private AC room is covered

No restriction on ICU room rent

No restriction on ICU room rent

Not available

Yes

No

No

Not available

Yes, your sum insured restores to 100% unlimited times after your first claim, for both related and unrelated illnesses

10,300+ Healthcare Providers

10000+ Healthcare Providers

Available as an option

Your sum insured increases by 10% for every claim-free year, upto 100%

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

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

Yes

Not Available

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

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

30 days

30 days.

2 years

2 years

3 years

2 years

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

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

Health checkup is not included as part of base cover. However, you can opt for the Annual Health Checkup Add-on to avail health checkup once per Policy Year

Health Checkup is covered upto INR5000 per individual per policy year.

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

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

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

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

OPD expense is not included as part of base cover. However, you can opt for an add-on to avail this coverage

OPD expense is not included

Available

Available

Available coverage options: ₹10L, 15L, 20L, 25L, 45L, 50L, 85L, 90L, 95L, 1Cr, 3Cr

Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L

88.50%

90.10%

Not available

Not Available