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Insurance Plans Comparison

ICICI Lombard Complete Health Insurance Health Shield vs Care Advantage

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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ICICI Lombard

Complete Health Insurance Health Shield

Add 10% to the sum insured after every claim-free year, up to 50%, and cover organ-donor expenses up to ₹10 lakh, with domiciliary hospitalisation and air ambulance paid over and above the sum insured.

What Makes It Special:

Health Shield is a variant listed under ICICI Lombard Complete Health Insurance. Its benefits include inpatient hospitalisation, eligible daycare procedures, inpatient AYUSH treatment, pre- and post-hospitalisation expenses, and a reset benefit that can replenish eligible cover after previous claims. The policy also lists a cumulative bonus and wellness services. Coverage...

Best For:

  • Customers who may use the policy's wellness services and preventive health-check-up facilities.

  • Buyers who want eligible daycare and inpatient AYUSH treatment covered.

  • Customers who value a cumulative bonus for claim-free years.

  • Individuals or families comparing different base sum insured options.

  • Buyers looking for hospitalisation cover with a reset benefit for subsequent eligible claims.

VS
Care

Advantage

Get a sum insured of up to ₹1 crore with no room rent or ICU sub-limit, an automatic recharge once in a policy year, and a 10% no claim bonus that can grow to 50% of the sum insured.

What Makes It Special:

Premium plan offering high Sum Insured up to ₹1 Crore with optional global coverage.

Best For:

  • Nationwide cashless treatment network

  • High sum insured with flexible add-ons

  • Broad coverage including AYUSH and daycare

  • Comprehensive health and wellness protection

Insurance Plans Comparison

Get Personalized Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Quick Decision Guide

ICICI Lombard Complete Health Insurance Health Shield

  • Verify that the Health Shield variant is still available and that the quoted UIN matches the policy document before purchase.

  • Compare the cataract sub-limit with your expected needs, especially if selecting a lower sum insured.

  • Check the 24-month PED and specified-disease waiting periods against your medical history.

  • Review the reset rules carefully, including the restrictions on using reset cover for the same illness.

  • Confirm the available sum insured and room-rent limit in the policy schedule before choosing the plan.

Care Advantage

  • You want flexibility in sum insured and add-on benefits

  • You value regular health check-ups and ambulance coverage

  • You seek cashless hospitalization services across many hospitals

  • You prefer optional add-ons for extra critical illness cover

  • You want extensive hospital and daycare coverage

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Complete Health Insurance Health Shield
Complete Health Insurance Health Shield

Health Insurance Plan

Brochure

VS
Advantage
Advantage

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Complete Health Insurance Health Shield

Normal: Health Shield offers room rent and ICU coverage without sub-limits, ensuring full financial support for hospitalization, including intensive care expenses.

VS

Advantage

All room categories are covered

Advanced Treatments

Complete Health Insurance Health Shield

Covers advanced treatments, including robotic surgeries, stem cell therapy, immunotherapy, and modern cancer treatments

VS

Advantage

Information Unavailable

ICU Charges

Complete Health Insurance Health Shield

Covered under eligible inpatient hospitalisation, subject to policy terms.

VS

Advantage

No restriction on ICU room rent

Co-payment

Complete Health Insurance Health Shield

10% of copay will be applied to every admissible claim.

VS

Advantage

Available as an option

Disease-wise sublimits

Complete Health Insurance Health Shield

Cataract: ₹20,000 per eye per policy year for sum insured up to ₹5 lakh; ₹1 lakh per eye per policy year for sum insured above ₹5 lakh.

VS

Advantage

No

Cashless Healthcare Providers

Complete Health Insurance Health Shield

10,896+ hospitals across India.

VS

Advantage

21700+ Healthcare Providers

Restoration Benefit

Complete Health Insurance Health Shield

Unlimited Reset Benefit is listed; reset does not trigger on the first claim and remains subject to illness, insured-person and other policy conditions.

VS

Advantage

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

Daycare Treatment

Complete Health Insurance Health Shield

Covered under the policy. 

VS

Advantage

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

Cumulative Bonus

Complete Health Insurance Health Shield

10% of annual sum insured per claim-free year, up to 50%; accumulated bonus reduces by 10% of annual sum insured following a claim, as specified in the policy.

VS

Advantage

For every year you don’t make a claim, your sum insured increases by 10%. You can pay an additional premium to increase Sum Insured up to 100%, every year, without any upper limit

AYUSH Treatment

Complete Health Insurance Health Shield

Covered under this policy

VS

Advantage

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Consumable Cover

Complete Health Insurance Health Shield



VS

Advantage

No. However, available as an add-on

Initial Waiting Period

Complete Health Insurance Health Shield

30 days for illnesses; injury-related hospitalisation is excepted.

VS

Advantage

30 days

Specific Waiting Period

Complete Health Insurance Health Shield

24 months for specified illnesses and treatments.

VS

Advantage

2 years

PED Waiting Period

Complete Health Insurance Health Shield

24 months for declared and accepted pre-existing diseases.

VS

Advantage

3 years

Modern Treatment

Complete Health Insurance Health Shield

Not verified as a separately defined benefit in the reviewed Health Shield document.

VS

Advantage

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Annual Health Checkup

Complete Health Insurance Health Shield

Health-check-up coupon each policy year, up to 2 coupons per year for floater policies.

VS

Advantage

Health checkup is not included as part of base cover. However, you can opt for the Annual Health Checkup Add-on to avail health checkup once per Policy Year

Pre-Hospitalisation

Complete Health Insurance Health Shield

Up to 30 days.

VS

Advantage

You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved

Post-Hospitalisation

Complete Health Insurance Health Shield

Up to 60 days.

VS

Advantage

You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)

Complete Health Insurance Health Shield

Wellness points may be redeemable for eligible outpatient expenses; a fixed comprehensive OPD limit was not verified.

VS

Advantage

OPD expense is not included as part of base cover. However, you can opt for an add-on to avail this coverage

Deductible Option

Complete Health Insurance Health Shield

Not verified in the reviewed Health Shield document.

VS

Advantage

Available as an option

Coverage Options

Complete Health Insurance Health Shield

Individual or family floater; listed sum insured options from ₹3 lakh to ₹50 lakh.

VS

Advantage

Available coverage options: ₹25L, ₹50L,₹1Cr, ₹2Cr, ₹3 Cr, ₹6 Cr

Claim Settlement Ratio

Complete Health Insurance Health Shield

FY 2024-25: 83.65%

VS

Advantage

96%

Maternity Cover

Complete Health Insurance Health Shield

Excluded under the reviewed policy wording, except for stated policy exceptions such as ectopic pregnancy.

VS

Advantage

Not available

Insurance Plans Comparison

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Why Choose Our Expert Consultation?

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Talk to experienced advisors at no cost, and make confident decisions

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24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

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  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

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Insurance Plans Comparison

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  • One policy covers the entire family

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  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

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