Policy compare
Compare two plans side-by-side
Compare real policy features side-by-side and quickly spot where one plan is stronger.
| Feature | ICICI Lombard - Complete Health Insurance (Health Shield) | Niva Bupa - Senior First (Platinum) |
|---|---|---|
| Room Rent Limit | NA | No limit |
| ICU Limit | NA | No limit |
| Co-Pay | No | NA |
| Initial Waiting (Days) | 30 | NA |
| Specific Disease Waiting (Years) | 2 | 2 |
| Pre-existing Disease Waiting (Years) | 2 | NA |
| Daycare Procedures | Yes (Covered up to: sum insured) | NA |
| Domiciliary | Yes (Covered up to: sum insured) | Yes (Covered up to: sum insured) |
| Organ Donor Cover | Yes (Covered up to: Rs 10 Lakhs, where you are the organ recipient) | Yes |
| Modern Treatments | NA | Yes |
| Refill on Exhaustion | Available | Available |
| Refill Illness Applicability | NA | Related and unrelated illness |
| Refill Trigger | Partial exhaustion of Sum Insured | Partial exhaustion of Sum Insured |
| Refill Limit | Once in a policy year for related illness. Unlimited times for unrelated illness | Unlimited times in a policy year |
| Refill Applicable Claim | Subsequent claims | First paid claim |
| Consumables | Yes | Yes |
| Bonus Rate | 50% | 10% |
| Bonus Max Limit | NA | 100% |
| % Settled < 30 Days | 99.94% | 99.95% |
| % Complaints on Claims | 0.14% | 0.43% |
| Incurred Claim Ratio | 85.53% | 61.64% |
| Claim Settlement Ratio (No.) | 82.79% | 90.64% |
| Claim Settlement Ratio (Value) | 63.92% | 74.32% |
| Claim Rejection Ratio | 14.11% | 7.30% |
| Cashless Hospitals | 10,700+ | 10,000+ |
| Plan Type | Individual | Individual / Family Floater |