Policy compare
Compare two plans side-by-side
Choose any two policies from the comparison table and quickly spot where one is better.
| Feature | ICICI Lombard - Health AdvantEdgeRead review | Niva Bupa - Reassure 2.0 (Platinum+)Read review |
|---|---|---|
| Room Rent Limit | No | No |
| Co-Pay | No | No |
| Disease Sub-limit | No | No |
| Pre Hospitalisation | 60 days | 60 days |
| Post Hospitalisation | 180 days | 180 days |
| Refill of Base Cover | Unlimited (related and unrelated including complications) | Unlimited (related and unrelated) |
| Claim in which refill of cover can be applied | Subsequent claims | First Paid Claim |
| Time when refill will trigger | Partial exhaustion of Sum Insured & No Claim Bonus | Partial exhaustion of Sum Insured & No Claim Bonus |
| Initial Waiting Period | 30 days | 30 days |
| Specific Illness Waiting Period | 2 years | 2 years |
| Pre-existing disease Waiting Period | 2 years | 3 years |
| Day Care | Yes | Yes |
| Domiciliary | Yes (8 diseases exception) | Yes |
| Modern Treatment | Yes (Except robotic surgeries) | Yes (Sub-limit of 1 lakh on most surgeries) |
| Road Ambulance | Yes (sublimit) | Yes (upto Base Sum Insured) |
| Air Ambulance | Yes (upto Base Sum Insured) | Yes (upto 2.5 lakhs) |
| Consumables | Add-On | Add-On |
| Maternity | Yes | No |
| Bonus | Yes (20% upto 100%) NCB | Yes (100% upto 1000%) NCB |
| All India Treatment | Zonal Premium and Co-Pay | Zonal Premiums but No Co-Pay |
| Extra Features | Premium lock till a claim is made | |
| Affordability | Expensive | Expensive |