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| Feature | Niva Bupa - Reassure 2.0 (Platinum+)Read review | ICICI Lombard - Health AdvantEdgeRead 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) | Unlimited (related and unrelated including complications) |
| Claim in which refill of cover can be applied | First Paid Claim | Subsequent claims |
| 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 | 3 years | 2 years |
| Day Care | Yes | Yes |
| Domiciliary | Yes | Yes (8 diseases exception) |
| Modern Treatment | Yes (Sub-limit of 1 lakh on most surgeries) | Yes (Except robotic surgeries) |
| Road Ambulance | Yes (upto Base Sum Insured) | Yes (sublimit) |
| Air Ambulance | Yes (upto 2.5 lakhs) | Yes (upto Base Sum Insured) |
| Consumables | Add-On | Add-On |
| Maternity | No | Yes |
| Bonus | Yes (100% upto 1000%) NCB | Yes (20% upto 100%) NCB |
| All India Treatment | Zonal Premiums but No Co-Pay | Zonal Premium and Co-Pay |
| Extra Features | Premium lock till a claim is made | |
| Affordability | Expensive | Expensive |