Two policies, every clause that decides your claim. No commissions, no sponsored winners.
Health AdvantEdgeICICI Lombard · ★ 4.1
vs
ReAssure 2.0 (Platinum+)Niva Bupa · ★ 4.1
Financial Limits
No limit
Room Rent Limit
No limit
No limit
ICU Limit
No limit
No
Co-Pay
No
No
Disease Sub-limit
No
Waiting Periods
30
Initial Waiting (Days)
30
2
Specific Disease Waiting (Years)
2
2
Pre-existing Disease Waiting (Years)
3
Pre/Post-Hospitalisation
60 days
Pre-Hospitalisation
60 days
180 days
Post-Hospitalisation
180 days
Yes
Daycare Procedures
Yes (Covered up to: sum insured)
Yes (Covered up to: sum insured)
Domiciliary
No (Covered up to: sum insured)
Yes (Covered up to: sum insured)
Organ Donor Cover
No
Yes
Modern Treatments
Yes
Coverage Features
Available
Refill on Exhaustion
Available
Unrelated illness (Related illnesses after 45 days)
Refill Illness Applicability
Related and unrelated illness
Partial exhaustion of Sum Insured
Refill Trigger
Partial exhaustion of Sum Insured
Unlimited times in a policy year
Refill Limit
Unlimited times in a policy year
Subsequent claims
Refill Applicable Claim
First paid claim
Yes
Consumables
Yes
Bonus
20%
Bonus Rate
500%
100%
Bonus Max Limit
500%
No (Bonus applies irrespective of claims)
Reduction in Bonus on Claim
No
Claims Experience
99.94%
% Settled < 30 Days
99.95%
0.14%
% Complaints on Claims
0.43%
85.53%
Incurred Claim Ratio
61.64%
82.79%
Claim Settlement Ratio (No.)
90.64%
63.92%
Claim Settlement Ratio (Value)
74.32%
14.11%
Claim Rejection Ratio
7.30%
10,700+
Cashless Hospitals
10,000+
Pricing & Extras
Individual
Plan Type
Individual / Family Floater
Verdict: ReAssure 2.0 (Platinum+) takes it.
Winner: ReAssure 2.0 (Platinum+)
Health AdvantEdge · ★ 4.1/5ReAssure 2.0 (Platinum+) · ★ 4.1/5
Across 11 compared features, ReAssure 2.0 (Platinum+) leads on 7 and Health AdvantEdge on 4. ReAssure 2.0 (Platinum+) is the stronger overall pick, notably on Daycare Procedures, Bonus Rate and Bonus Max Limit. Health AdvantEdge still wins on Pre-existing Disease Waiting (Years), Domiciliary and Organ Donor Cover, so weigh those if they matter to you.
Winner is decided by how many of the 11 compared features each plan leads on, with our coverage-and-claims score breaking a tie. Always confirm the fine print before you buy.
