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Insurance Plans Comparison

Care Senior Health Advantage vs ICICI Lombard Criti Shield Family Shield

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Care

Senior Health Advantage

Affordable senior citizen health insurance with hospitalisation cover, annual health check-ups, AYUSH treatment and a no-claim bonus, subject to policy terms.

What Makes It Special:

Senior Health Advantage is a health insurance plan designed for people aged 60 and above. It provides eligible hospitalisation and daycare cover, pre- and post-hospitalisation benefits, AYUSH treatment, domiciliary hospitalisation and organ donor cover. Waiting periods, co-payment provisions and disease-specific sub-limits apply.

Best For:

  • Families looking to insure eligible senior members under individual or family floater cover.

  • People who want cover for eligible AYUSH and domiciliary hospitalisation.

  • Seniors seeking annual health check-ups and general physician e-consultations.

  • Individuals who want hospitalisation and eligible daycare treatment cover.

  • Senior citizens aged 60 and above looking for health insurance.

VS
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.

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

  • Confirm whether any optional benefits you need are available and included in the policy schedule.

  • Review room eligibility, ICU limits and disease-specific sub-limits.

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

  • Review the age-based co-payment, including the additional co-payment after age 70.

  • Compare the available sum insured options with likely medical expenses and your budget.

  • 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.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Senior Health Advantage
Senior Health Advantage

Health Insurance Plan

Brochure

VS
Criti Shield Family Shield
Criti Shield Family Shield

Health Insurance Plan

Room Rent

Senior Health Advantage

The uploaded brochure specifies a twin-sharing room. Check the current policy schedule for the applicable room category and any optional modification.

VS

Criti Shield Family Shield

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

Senior Health Advantage

The uploaded brochure specifies ICU charges up to 2% of the sum insured per day. Confirm the applicable limit in the current policy schedule.

VS

Criti Shield Family Shield

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

Advanced Treatments

Senior Health Advantage

Information Unavailable

VS

Criti Shield Family Shield

  1. Oral Chemotherapy 
  2. Robotic Surgeries 
  3. Stem Cell Therapy 
Co-payment

Senior Health Advantage

The current official page specifies 50% co-payment on claims up to age 70 and an additional 10% co-payment on claims after age 70. Confirm the exact age-based application in the current policy wording.

VS

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.

Disease-wise sublimits

Senior Health Advantage

The uploaded brochure lists limits for cataract, total knee replacement, cerebrovascular and cardiovascular diseases, cancer including chemotherapy/radiotherapy, medical renal diseases including dialysis, and long-bone fractures. See the disease-limit table below.

VS

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.

Cashless Healthcare Providers

Senior Health Advantage

Cashless treatment is available at eligible network hospitals, subject to network status, pre-authorisation and policy terms. The insurer currently advertises a network of 22,100+ cashless healthcare providers; verify the latest figure before publishing.

VS

Criti Shield Family Shield

10,000+ Healthcare Providers

Restoration Benefit

Senior Health Advantage

The uploaded March 2024 brochure does not establish unlimited automatic recharge as a base benefit. The current product page describes a one-time 100% sum insured recharge per policy year. Do not label it unlimited without confirmation in the current wording.

VS

Criti Shield Family Shield

No restoration benefit verified.

Cumulative Bonus

Senior Health Advantage

No Claim Bonus increases the sum insured by 10% for each claim-free year, up to a maximum of 50% of the sum insured, subject to policy terms.

VS

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%.

Daycare Treatment

Senior Health Advantage

Eligible daycare procedures are covered, subject to policy terms and the applicable list of procedures.

VS

Criti Shield Family Shield

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

Consumable Cover

Senior Health Advantage

A separate comprehensive consumables cover is not established as a standard benefit in the reviewed brochure or current product summary.

VS

Criti Shield Family Shield

Not specified.

AYUSH Treatment

Senior Health Advantage

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

VS

Criti Shield Family Shield

.

Initial Waiting Period

Senior Health Advantage

30 days for illnesses, except accidental injuries, subject to policy terms.

VS

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.

Specific Waiting Period

Senior Health Advantage

24 months of continuous coverage for named ailments and procedures, subject to the policy wording.

VS

Criti Shield Family Shield

30 days for specific infectious disease benefits.

PED Waiting Period

Senior Health Advantage

The current official product page specifies 24 months of continuous coverage for pre-existing diseases. The uploaded March 2024 brochure specifies 24 months as well.

VS

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.

Modern Treatment

Senior Health Advantage

Advanced technology treatments are covered subject to the applicable treatment-specific sub-limits and policy terms.

VS

Criti Shield Family Shield

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

Annual Health Checkup

Senior Health Advantage

Available from Day 1 for all insured members according to the uploaded brochure. The brochure lists complete blood count with ESR, urine routine, blood group, fasting blood sugar, lipid profile, kidney function test and ECG. The current policy schedule governs the applicable benefit.

VS

Criti Shield Family Shield

Not specified.

Pre-Hospitalisation

Senior Health Advantage

The uploaded brochure specifies eligible pre-hospitalisation medical expenses for 30 days before admission.

VS

Criti Shield Family Shield

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

Post-Hospitalisation

Senior Health Advantage

The uploaded brochure specifies eligible post-hospitalisation medical expenses for 60 days after discharge. Confirm the applicable limits in the current policy schedule.

VS

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.

Outpatient Department Cover (OPD Expense)

Senior Health Advantage

Regular OPD treatment is not established as an unconditional base benefit in the reviewed brochure. The insurer’s broader senior-health offering lists optional OPD benefits; check the selected policy schedule for availability.

VS

Criti Shield Family Shield

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

Deductible Option

Senior Health Advantage

A deductible option is not identified in the uploaded brochure’s base-benefit table. Confirm whether it is available under the current selected policy configuration.

VS

Criti Shield Family Shield

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

Coverage Options

Senior Health Advantage

Individual cover for up to 6 members aged 60 or above, or a family floater for 2 adults, subject to the policy’s eligibility rules.

VS

Criti Shield Family Shield

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

Claim Settlement Ratio

Senior Health Advantage

Use Care Health Insurance’s verified insurer-level claim settlement ratio for the relevant financial year. This is not a product-specific ratio or a guarantee of claim approval.

VS

Criti Shield Family Shield

FY 2024-25: ~84%


Maternity Cover

Senior Health Advantage

Maternity and childbirth cover is not listed as a standard benefit in the reviewed brochure.

VS

Criti Shield Family Shield

Maternity and pregnancy-termination expenses are listed among exclusions.

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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

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