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Insurance Plans Comparison

Care Plus Youth vs ICICI Lombard Health Elite

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

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Care

Plus Youth

Care Plus Youth is a health insurance plan for young adults, offering hospitalisation cover, unlimited automatic recharge, OPD benefits and protection against rising medical costs.

What Makes It Special:

Care Plus Youth is designed for young adults, with individual and family floater options. Its benefits include hospitalisation, OPD consultations and dental and eye treatments, No Claim Bonus Protect, Inflation Shield and unlimited automatic recharge, subject to policy terms.

Best For:

  • Couples or families considering optional maternity and newborn cover.

  • Individuals looking for automatic recharge and a no-claim bonus.

  • Customers who value OPD consultations and dental and eye treatment benefits.

  • People who want hospitalisation and eligible daycare treatment cover.

  • Young adults looking to buy individual health insurance early.

VS
ICICI Lombard

Health Elite

Include maternity after 3 years and outpatient treatment, pay hospital daily cash for a stay of at least 3 days, and add a 10% cumulative bonus each claim-free year, up to 50% of the sum insured.

What Makes It Special:

ICICI Lombard Health Elite is a comprehensive health insurance option with benefits that may include in-patient treatment, daycare procedures, pre- and post-hospitalisation expenses, outpatient treatment and maternity cover, depending on the applicable policy version and selected configuration.

Best For:

  • Buyers comparing sum insured options, reset benefits, waiting periods and policy-specific restrictions before choosing a plan.

  • Families evaluating maternity and newborn-related benefits, subject to eligibility and waiting periods.

  • Individuals who want to compare available outpatient treatment benefits and their applicable limits.

  • Buyers looking for a policy with additional healthcare benefits beyond basic hospitalisation cover.

  • Individuals seeking health insurance for eligible hospitalisation and daycare expenses.

Insurance Plans Comparison

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Quick Decision Guide

  • If you need maternity cover, verify eligibility, the 24-month waiting period and the applicable benefit limit.

  • Check the OPD limits and whether the optional Smart Select benefit suits your preferred hospitals.

  • Review room-rent and ICU limits based on your chosen sum insured.

  • Check the 30-day initial waiting period, 24-month named-ailment waiting period and 36-month PED waiting period.

  • Choose a sum insured that suits your healthcare needs and budget.

  • Match the policy UIN and schedule to the exact Health Elite version being offered, because benefits may differ between versions.

  • Confirm whether outpatient treatment, maternity and newborn benefits are included in your chosen configuration and check their limits.

  • Review waiting periods for pre-existing diseases, specified treatments and maternity benefits before relying on the policy.

  • Check room eligibility, hospitalisation limits and exclusions to understand the expenses the policy may leave you paying.

  • Choose a sum insured that reflects potential hospitalisation expenses and the number of people covered.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Plus Youth
Plus Youth

Health Insurance Plan

VS
Health Elite
Health Elite

Health Insurance Plan

Room Rent

Plus Youth

For sum insured below ₹5 lakh, room rent is limited to 1% of the sum insured per day. For sum insured of ₹5 lakh or above, the brochure lists a single private AC room.

VS

Health Elite

Information Unavailable

ICU Charges

Plus Youth

For sum insured below ₹5 lakh, ICU charges are limited to 2% of the sum insured per day. For sum insured of ₹5 lakh or above, the brochure states no ICU charge limit.

VS

Health Elite

Covered under eligible in-patient hospitalisation, subject to the applicable sum insured and policy conditions.

Advanced Treatments

Plus Youth

Information Unavailable

VS

Health Elite

  1. Stem Cell Therapy
  2. Robotic Surgeries
  3. Oral Chemotherapy
  4. Deep Brain Stimulation
  5. Bronchial Thermoplasty
  6. Intra Operative Neuro Monitoring (IONM)
Co-payment

Plus Youth

The Smart Select optional benefit offers a 15% discount on the base benefit premium and eligible maternity/newborn premium. If treatment is taken at a non-Smart Select network hospital, a 20% co-payment per claim applies under this option.

VS

Health Elite

Policyholders can opt for a co-payment of 10% or 20%, sharing a fixed percentage of the claim amount, which can help reduce premium costs.

Disease-wise sublimits

Plus Youth

Room-rent, ICU and benefit-specific limits apply. OPD, ambulance and optional maternity/newborn cover have defined monetary limits. Review the policy schedule for other applicable restrictions.

VS

Health Elite

Specific limits depend on the applicable policy wording, sum insured and benefit configuration. A complete variant-specific list has not been verified.

Cashless Healthcare Providers

Plus Youth

Cashless treatment is available through eligible network hospitals, subject to network status, pre-authorisation and policy conditions. Confirm the current hospital count before publishing a number.

VS

Health Elite

Access to over 6,700 network hospitals and clinics for cashless treatments, ensuring convenient and hassle-free medical care.

Restoration Benefit

Plus Youth

Unlimited Automatic Recharge is included as a listed base benefit. It can replenish the sum insured for eligible claims, subject to the policy’s recharge conditions.

VS

Health Elite

Published Health Elite materials list an unlimited reset benefit. The precise trigger, eligible claims and conditions must be confirmed against the applicable policy wording.

Cumulative Bonus

Plus Youth

No Claim Bonus Protect increases the sum insured by 50% per claim-free policy year, up to 200% of the sum insured. If the total claim amount in a policy year is below 25% of the applicable sum insured, the accrued bonus is not reduced in the subsequent year. If the claim amount reaches or exceeds 25%, the accrued bonus may reduce according to the policy terms.

VS

Health Elite

Published Health Elite materials list Additional Sum Insured and a Super No Claim Bonus option. The applicable benefit percentage and conditions are not verified for this variant.

Daycare Treatment

Plus Youth

All eligible daycare procedures are covered up to the sum insured, subject to the policy’s definitions and exclusions.

VS

Health Elite

Covers medical procedures requiring less than 24-hour hospitalization, such as cataract surgery and chemotherapy, accommodating treatments that don't necessitate extended hospital stays.

Consumable Cover

Plus Youth

A separate comprehensive consumables benefit is not specified in the uploaded brochure.

VS

Health Elite

Published Health Elite materials list Additional Sum Insured and a Super No Claim Bonus option. The applicable benefit percentage and conditions are not verified for this variant.

AYUSH Treatment

Plus Youth

Eligible AYUSH treatment is covered up to the sum insured, subject to the policy wording.


VS

Health Elite

Expenses for alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered when availed at government-recognized institutions, promoting holistic healthcare options.

Initial Waiting Period

Plus Youth

30 days from policy commencement for illnesses, except claims arising from accidents, as specified in the brochure.


VS

Health Elite

The insurer's general health insurance information states 30 days for illness-related hospitalisation, except accidents. Confirm the exact Health Elite policy terms.

Specific Waiting Period

Plus Youth

24 months for named ailments and procedures, subject to the policy wording and applicable exclusions.

VS

Health Elite

The exact waiting period for specified diseases and procedures is not verified for this variant.

PED Waiting Period

Plus Youth

36 months for pre-existing diseases, subject to disclosure, acceptance and policy terms.

VS

Health Elite

The exact waiting period for specified diseases and procedures is not verified for this variant.

Modern Treatment

Plus Youth

Covers eligible advanced technology treatments up to the sum insured, subject to policy terms, exclusions and applicable treatment definitions.

VS

Health Elite

Listed as a covered category in the older Complete Health Insurance policy information, subject to the applicable policy terms and limits.

Annual Health Checkup

Plus Youth

Available for adult insured members, subject to the applicable policy terms.

VS

Health Elite

Health check-up is listed in published Health Elite materials. Eligibility, frequency and monetary limits are not verified for this exact variant.

Pre-Hospitalisation

Plus Youth

Eligible medical expenses are covered for up to 60 days before an admissible hospitalisation, up to the sum insured.

VS

Health Elite

Up to 30 days according to the published Health Elite product comparison, subject to policy terms.

Post-Hospitalisation

Plus Youth

Eligible medical expenses are covered for up to 90 days after discharge from an admissible hospitalisation, up to the sum insured.

VS

Health Elite

Up to 60 days according to the published Health Elite product comparison, subject to policy terms.

Outpatient Department Cover (OPD Expense)

Plus Youth

Outpatient consultations and outpatient dental and ophthalmic treatments are covered within specified limits. For sum insured of ₹5 lakh–₹7 lakh, the brochure lists up to ₹1,500; for ₹10 lakh–₹25 lakh, up to ₹2,500. Consultation limits are ₹350 per consultation.

VS

Health Elite

Outpatient Treatment Cover is listed in published Health Elite materials. The limit depends on the applicable sum insured and policy configuration.

Deductible Option

Plus Youth

No deductible option is listed in the uploaded brochure’s optional-benefit section.

VS

Health Elite

A voluntary deductible may be available under applicable ICICI Lombard health products, but its availability for this Health Elite variant is not verified.

Coverage Options

Plus Youth

Available as individual or family floater cover, with annual sum insured options listed from ₹3 lakh to ₹25 lakh. The brochure lists several family combinations.

VS

Health Elite

Information Unavailable

Claim Settlement Ratio

Plus Youth

This is an insurer-level metric, not a product-specific ratio. Use Care Health Insurance’s verified latest financial-year claim settlement figure if required; the uploaded brochure does not provide one.

VS

Health Elite

FY 24-25: ~84%

Maternity Cover

Plus Youth

Optional maternity and newborn cover: ₹15,000 for sum insured up to ₹5 lakh and ₹25,000 for sum insured above ₹5 lakh. Available only under specified family-floater combinations, with a 24-month waiting period and eligibility conditions.


VS

Health Elite

Published materials list multiple sum insured options, including ₹5 lakh, ₹7 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh, ₹25 lakh and ₹50 lakh. Availability varies by policy version.

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

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Family Health Plan

  • One policy covers the entire family

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  • 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

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