ICICI Lombard Elevate vs Niva Bupa Platinum+

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

(Option to modify room category)

All room categories are covered

No restriction on ICU room rent

No restriction on ICU room rent

No

No

Available as an option

Not available

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

(per claim in a policy year for related/unrelated illnesses)

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

10300+ Healthcare Providers

10,000+ Healthcare Providers

Your sum insured increases by 20% every year maximum upto 100%. However, you can pay an additional premium to increase sum insured up to 100%, every year.

(Option to boost coverage by 1x annually)

Your sum insured increases by 100% every year, maximum up to 500%

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

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

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

No. However, available as an add-on

No. However, available as an add-on

30 days

30 days

2 years

2 years

3 years

3 years

Hospital expenses for listed advanced treatments are covered up to your full 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, available as an add-on

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

You get cover for medical tests and doctor visits up to 90 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 180 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, available as an add-on

OPD expense is not included

Not available

Available as an option

Available sum insured options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹1 Cr, ₹3 Cr and unlimited sum insured

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

88.50%

90.10%

No. However, available as an add-on.

Not available