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Insurance Plans Comparison

ICICI Lombard Criti Shield Family Shield vs Care Heart

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

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ICICI Lombard

Criti Shield Family Shield

Cover hospitalisation for specified infectious diseases, including listed vector-borne illnesses such as dengue and malaria, and personal accident benefits for death, disablement and accidental hospital treatment.

What Makes It Special:

ICICI Lombard Family Shield combines defined benefits for specified infectious diseases with personal accident and hospital daily cash benefits. Coverage includes selected vector-borne, viral, gastrointestinal and nervous system infections, along with rabies and tetanus. Additional benefits may be available depending on the options selected and the policy certificate.

Best For:

  • Customers who understand that this is a benefit-specific policy and not a substitute for comprehensive hospitalisation insurance.

  • Buyers who want to explore optional benefits such as broken bones or burns cover.

  • People who value fixed hospital daily cash benefits where selected.

  • Families seeking additional financial protection against eligible accidental injuries.

  • Buyers looking for defined benefits for specified infectious diseases.

VS
Care

Heart

Specialised Cardiac Health Insurance with 2-Year Cardiac PED Waiting Period

What Makes It Special:

Care Heart Health Insurance is a specialized policy designed for people with existing heart conditions or cardiac risks. It provides comprehensive coverage for hospitalization, surgeries, and treatments related to heart ailments, including pre and post-hospitalization expenses. The plan also covers annual health check-ups, ambulance charges, and optional add-ons for enhanced...

Best For:

  • Focused Protection for Cardiac Patients

  • Covers Pre and Post Hospitalization

  • Annual Health Check-Up Included

  • Lifelong Policy Renewability Option

Insurance Plans Comparison

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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 Criti Shield Family Shield

  • If you need broad coverage for unrelated illnesses, surgeries and hospital bills, compare this policy with a comprehensive indemnity-based health insurance plan.

  • Review waiting periods carefully, particularly the 30-day waiting period for infectious disease benefits and the pre-existing disease restriction applicable to hospital daily cash benefits.

  • Review the personal accident benefit amounts and definitions of disability before relying on the policy for accident protection.

  • Confirm whether hospital daily cash benefits are included and check the applicable daily limits and eligibility conditions.

  • Check the list of covered infections and their claim requirements to confirm that the policy addresses your priorities.

Care Heart

  • You have a past history of heart disease

  • You need coverage for cardiac-related hospitalization expenses

  • You want insurance despite pre-existing heart conditions

  • You seek affordable premiums for heart-focused care

  • You prefer lifelong renewability with cardiac protection

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Criti Shield Family Shield
Criti Shield Family Shield

Health Insurance Plan

Brochure

Policy Wording

VS
Heart
Heart

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Criti Shield Family Shield

  1. Normal: Covered Up to Sum Insured
  2. ICU: Covered Up to Sum Insured
VS

Heart

Up to ₹3 L sum insured – 1% of Sum Insured per day

Above ₹3 L sum insured – Single Private Room

Advanced Treatments

Criti Shield Family Shield

  1. Oral Chemotherapy 
  2. Robotic Surgeries 
  3. Stem Cell Therapy 
VS

Heart

Information Unavailable

ICU Charges

Criti Shield Family Shield

ICU-related cash benefits may be available under selected hospital cash benefits; limits depend on the policy certificate.

VS

Heart

Up to ₹3 L sum insured – 2% of Sum Insured per day

Above ₹3 L sum insured – No Limit

Co-payment

Criti Shield Family Shield

Co payment is applicable as chosen by the insured. 

It allows the insured to opt for 10% or 20% co-payment.

VS

Heart

In-built co-payment: 20% if entry age ≤ 70 years, 30% if entry age > 70 years.

Disease-wise sublimits

Criti Shield Family Shield

Benefits are defined for specified infections and accident-related events; applicable limits are benefit-specific and should be confirmed in the policy certificate.

VS

Heart

Yes

Cashless Healthcare Providers

Criti Shield Family Shield

10,000+ Healthcare Providers

VS

Heart

21700+ Healthcare Providers

Restoration Benefit

Criti Shield Family Shield

No restoration benefit verified.

VS

Heart

Provides 1 restoration of the base cover upon exhaustion, applicable for unrelated illnesses only

Daycare Treatment

Criti Shield Family Shield

Covers medical procedures requiring hospitalization for less than 24 hours, such as cataract surgery or chemotherapy​

VS

Heart

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

Cumulative Bonus

Criti Shield Family Shield

No cumulative bonus benefit verified. The published brochure lists a 5% renewal discount and a family discount of up to 7.5%.

VS

Heart

Your sum insured increases by 10% each policy year as a No-Claim Bonus, up to 50% of the sum insured. The bonus reduces by 10% for every claim paid

AYUSH Treatment

Criti Shield Family Shield

.

VS

Heart

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

Consumable Cover

Criti Shield Family Shield

Not specified.

VS

Heart

No. However available as an add-on.

Initial Waiting Period

Criti Shield Family Shield

30 days for specific infectious disease and hospital daily cash benefits; 0 days for personal accident benefits, as stated in the published brochure.

VS

Heart

30 days

Specific Waiting Period

Criti Shield Family Shield

30 days for specific infectious disease benefits.

VS

Heart

2 years

PED Waiting Period

Criti Shield Family Shield

Two-year pre-existing disease restriction specified for Hospital Daily Cash Benefit; applicability to other benefits must be checked in the policy wording.

VS

Heart

2 years

Modern Treatment

Criti Shield Family Shield

Not specified as a standalone benefit in the reviewed product information.

VS

Heart

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

Annual Health Checkup

Criti Shield Family Shield

Not specified.

VS

Heart

Health check-up is available from the first policy year

Pre-Hospitalisation

Criti Shield Family Shield

Accidental pre-hospitalisation expenses may be covered under the applicable accident benefit; a general time limit was not verified.

VS

Heart

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

Post-Hospitalisation

Criti Shield Family Shield

Accidental pre- and post-hospitalisation expenses may be covered under the applicable accident benefit; a general post-hospitalisation limit was not verified.

VS

Heart

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

Outpatient Department Cover (OPD Expense)

Criti Shield Family Shield

No general OPD benefit verified. Accident-related diagnostic tests may be covered under the applicable benefit.

VS

Heart

OPD expense is not included

Deductible Option

Criti Shield Family Shield

Any deductible or loss-sharing provision must be confirmed in the policy certificate.

VS

Heart

Not available

Coverage Options

Criti Shield Family Shield

Specific infectious disease benefits, personal accident benefits, hospital daily cash benefits and selected additional benefits.

VS

Heart

Available coverage options: ₹3L, ₹5L, ₹7L and ₹10L

Claim Settlement Ratio

Criti Shield Family Shield

FY 2024-25: ~84%


VS

Heart

96%

Maternity Cover

Criti Shield Family Shield

Maternity and pregnancy-termination expenses are listed among exclusions.

VS

Heart

Not available

Insurance Plans Comparison

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

Insurance Plans Comparison

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Frequently Asked Questions (FAQs)

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