Oneassure

Partner with us

Insurance Plans Comparison

Care Ultimate (Direct) vs ICICI Lombard Complete Health Insurance Health Protect Plus Plan

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

Read more
Care

What Makes It Special:

Ultimate (Direct) is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.

Best For:

  • Not available
VS
ICICI Lombard

Complete Health Insurance Health Protect Plus Plan

Cover maternity, a newborn and outpatient treatment together with hospital daily cash and a convalescence benefit, and reset up to 100% of the sum insured once in a policy year for a later unrelated illness.

What Makes It Special:

Health Protect Plus is a plan under ICICI Lombard Complete Health Insurance that combines inpatient hospitalisation cover with eligible daycare procedures, inpatient AYUSH treatment, pre- and post-hospitalisation expenses, and a reset benefit. The plan-specific Key Information Sheet also lists maternity cover after a 36-month waiting period, newborn baby cover following...

Best For:

  • Customers comparing hospitalisation benefits with optional critical illness, donor expense or personal accident covers.

  • Buyers who value a limited combined allowance for outpatient treatment and wellness expenses.

  • Policyholders who want a reset benefit after eligible use of the sum insured.

  • Eligible couples seeking maternity benefits with a three-year waiting period and defined delivery limits.

  • Buyers looking for inpatient hospitalisation and eligible daycare treatment cover.

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

Care Ultimate (Direct)

Not available

ICICI Lombard Complete Health Insurance Health Protect Plus Plan

  • Confirm which optional covers have actually been selected and paid for; critical illness, donor expenses and personal accident cover should not be assumed to be included automatically.

  • Treat the ₹5,000 outpatient and wellness allowance as a combined floater limit, not a separate limit for each benefit.

  • Review the cataract sub-limit carefully, as the applicable limit depends on the selected sum insured.

  • If maternity cover matters, check the 36-month waiting period, the requirement for both spouses to be insured and the delivery-related sub-limits.

  • Verify the sum insured and room-rent limits in the policy schedule before comparing premiums or coverage.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Ultimate (Direct)
Ultimate (Direct)

Health Insurance Plan

Brochure

VS
Complete Health Insurance Health Protect Plus Plan
Complete Health Insurance Health Protect Plus Plan

Health Insurance Plan

Brochure

Room Rent

Ultimate (Direct)

The cost of hospital room accommodation is covered under a health insurance policy, subject to specified limits.

No limit on room rent or ICU charges, allowing policyholders to choose any hospital room without financial constraints.

VS

Complete Health Insurance Health Protect Plus Plan

ICICI Health Protect Plus offers coverage for room rent, including both normal and ICU hospitalization, without any sub-limits.

Advanced Treatments

Ultimate (Direct)

Modern medical procedures like robotic surgery or stem cell therapy, often covered under specialized insurance plans.

Covers modern procedures like robotic surgery, stem cell therapy, oral chemotherapy, and deep brain stimulation for critical illnesses.

VS

Complete Health Insurance Health Protect Plus Plan

Covers advanced treatments, including robotic surgeries, stem cell therapy (if medically necessary), oral chemotherapy, and modern procedures like targeted therapy.

ICU Charges

Ultimate (Direct)

Information Unavailable

VS

Complete Health Insurance Health Protect Plus Plan

Covered under inpatient treatment, subject to applicable policy terms and limits.

Co-payment

Ultimate (Direct)

A fixed percentage of the claim amount that the insured must pay out-of-pocket before the insurer covers the rest.

No mandatory co-payment for policyholders under 61; a 20% co-payment applies for those purchasing after turning 61.

VS

Complete Health Insurance Health Protect Plus Plan

Does not have a mandatory co-payment for most treatments. However, co-payment may apply for senior citizens or specific medical conditions as per policy terms.

Disease-wise sublimits

Ultimate (Direct)

Information Unavailable

VS

Complete Health Insurance Health Protect Plus Plan

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.

Waiting Period

Ultimate (Direct)

The duration after policy issuance during which certain illnesses or conditions are not covered.

Coverage begins after 30 days for general illnesses, two years for specific conditions, and three years for pre-existing diseases.

VS

Complete Health Insurance Health Protect Plus Plan

Information Unavailable

Cashless Healthcare Providers

Ultimate (Direct)

Hospitals and clinics within an insurer’s network where policyholders can receive treatment without upfront payments.

 

Access to over 24,800 network hospitals for cashless treatment, ensuring hassle-free hospitalization without upfront payments.

VS

Complete Health Insurance Health Protect Plus Plan

10,896+ hospitals across india 

Restoration Benefit

Ultimate (Direct)

Information Unavailable

VS

Complete Health Insurance Health Protect Plus Plan

Reset Benefit restores up to 100% of sum insured once per policy year, subject to policy conditions; it does not trigger on the first claim.

Daycare Treatment

Ultimate (Direct)

Medical procedures requiring less than 24-hour hospitalization, such as cataract surgery or chemotherapy.

 

Covers treatments requiring hospitalization of less than 24 hours, such as cataract surgeries, chemotherapy, and other specialized procedures.

VS

Complete Health Insurance Health Protect Plus Plan

Covered under the policy. 

Cumulative Bonus

Ultimate (Direct)

Information Unavailable

VS

Complete Health Insurance Health Protect Plus Plan

10% of annual sum insured per claim-free year, up to 50%; a claim can reduce accrued bonus by 10% of annual sum insured at renewal.

AYUSH Treatment

Ultimate (Direct)

Information Unavailable

VS

Complete Health Insurance Health Protect Plus Plan

Covered under this policy

Consumable Cover

Ultimate (Direct)

Information Unavailable

VS

Complete Health Insurance Health Protect Plus Plan

No separate consumables benefit verified in the available plan-specific information.

Initial Waiting Period

Ultimate (Direct)

Information Unavailable

VS

Complete Health Insurance Health Protect Plus Plan

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

Specific Waiting Period

Ultimate (Direct)

Information Unavailable

VS

Complete Health Insurance Health Protect Plus Plan

24 months for specified illnesses and treatments.

PED Waiting Period

Ultimate (Direct)

Information Unavailable

VS

Complete Health Insurance Health Protect Plus Plan

24 months of continuous coverage.

Modern Treatment

Ultimate (Direct)

Information Unavailable

VS

Complete Health Insurance Health Protect Plus Plan

Not verified in the available Health Protect Plus Key Information Sheet.

Annual Health Checkup

Ultimate (Direct)

Information Unavailable

VS

Complete Health Insurance Health Protect Plus Plan

Free health-check-up coupon each policy year, subject to a maximum of 2 coupons annually for floater policies.

Pre-Hospitalisation

Ultimate (Direct)

Information Unavailable

VS

Complete Health Insurance Health Protect Plus Plan

Up to 30 days.

Post-Hospitalisation

Ultimate (Direct)

Information Unavailable

VS

Complete Health Insurance Health Protect Plus Plan

Up to 60 days.

Outpatient Department Cover (OPD Expense)

Ultimate (Direct)

Information Unavailable

VS

Complete Health Insurance Health Protect Plus Plan

Included with Wellness & Preventive Healthcare within a combined ₹5,000 floater limit.

Deductible Option

Ultimate (Direct)

Information Unavailable

VS

Complete Health Insurance Health Protect Plus Plan

Not verified in the available plan-specific information.

Coverage Options

Ultimate (Direct)

Information Unavailable

VS

Complete Health Insurance Health Protect Plus Plan

Individual or floater structure; exact sum insured choices require verification from the applicable schedule.

Claim Settlement Ratio

Ultimate (Direct)

Information Unavailable

VS

Complete Health Insurance Health Protect Plus Plan

Not verified against a current, comparable insurer-level CSR disclosure.

Maternity Cover

Ultimate (Direct)

Information Unavailable

VS

Complete Health Insurance Health Protect Plus Plan

Available after 36 months: normal delivery ₹15,000; caesarean delivery ₹25,000; pre- and post-natal expenses ₹2,000 each, subject to eligibility conditions.

Insurance Plans Comparison

Still Confused? Get Expert Advice

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

Why Choose Our Expert Consultation?

End-to-End Support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

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

24/7 Claim Assistance

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

Expert-Led Policy Review

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

Smart, Tech-Enabled Experience

  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

Having questions? We've got answers. Explore our FAQs to find the information you need.

1-5 of 10 FAQs

Compare With Other Health Insurance Plans

Ultimate (Direct) vs Supreme Senior Premium

Ultimate (Direct) vs Energy Silver Without Copay

Ultimate (Direct) vs Ultimate

Ultimate (Direct) vs EquiCover

Ultimate (Direct) vs Optima Secure Global Plus

Complete Health Insurance Health Protect Plus Plan vs Supreme Senior Premium

Complete Health Insurance Health Protect Plus Plan vs Energy Silver Without Copay

Complete Health Insurance Health Protect Plus Plan vs Ultimate

Complete Health Insurance Health Protect Plus Plan vs EquiCover

Complete Health Insurance Health Protect Plus Plan vs Optima Secure Global Plus

Oneassure

Health Insurance

Compare Health Insurance Plans

Ultimate (direct) Vs Complete Health Insurance Health Protect Plus Plan

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.