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Insurance Plans Comparison

Care Senior Health Advantage vs ICICI Lombard Health AdvantEdge Plus

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

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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

Health AdvantEdge Plus

Cover pre-existing diseases with no waiting period, reset the sum insured unlimited times for any illness after the first claim, once only at ₹5 lakh or seven-and-a-half lakh, and keep a 20% cumulative bonus up to 100% after a claim.

What Makes It Special:

The Royal Plus Plan under ICICI Lombard Health AdvantEdge offers sum insured options from ₹5 lakh to ₹3 crore, along with eligible hospitalisation, daycare, AYUSH, home care and pre- and post-hospitalisation benefits. Its distinguishing features include a guaranteed cumulative bonus, reset benefit, and Claim Protector at specified sum insured levels....

Best For:

  • Buyers who want to compare higher sum insured options and additional benefits against their budget and coverage needs.

  • Families considering optional maternity-related benefits, subject to eligibility and waiting periods.

  • People looking for a cumulative bonus that can increase cover over eligible claim-free periods.

  • Buyers who value a restore benefit for eligible subsequent claims in the same policy year.

  • People seeking cover for eligible hospitalisation and day-care treatment expenses.

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.

  • Compare the cost and waiting conditions of optional maternity and non-medical-expense benefits before adding them.

  • Check the restore benefit's trigger and restrictions rather than assuming it can pay every subsequent claim.

  • Confirm whether the selected sum insured and policy version provide the room category and ICU cover you expect.

  • Review the 2-year PED waiting period and disclose all existing medical conditions when applying.

  • Check the UIN and policy schedule before purchase because the publicly available Apex Plus material is historical.

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
Health AdvantEdge Plus
Health AdvantEdge Plus

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

Health AdvantEdge Plus

  1. Normal: No Limit 
  2. ICU: No Limit 

    If the sum insured health insurance policy is Rs.5 Lakh or above.

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

Health AdvantEdge Plus

Up to sum insured for Apex Plus, subject to the applicable wording.

Advanced Treatments

Senior Health Advantage

Information Unavailable

VS

Health AdvantEdge Plus

  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

Health AdvantEdge Plus

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

Health AdvantEdge Plus

Certain benefits have specific limits, including ambulance, animal-bite vaccination, bariatric surgery and home-care treatment. Other limits depend on the policy terms.

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

Health AdvantEdge Plus

10,000+ Healthcare Providers across India 

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

Health AdvantEdge Plus

Information Unavailable

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

Health AdvantEdge Plus

Guaranteed cumulative bonus: 20% of sum insured, up to 100%, under the historical Apex Plus brochure.

Daycare Treatment

Senior Health Advantage

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

VS

Health AdvantEdge Plus

Covered. Requires hospitalization of more than 24 Hours.

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

Health AdvantEdge Plus

Listed non-medical expenses may require the optional Claim Protector benefit; verify the applicable schedule.

AYUSH Treatment

Senior Health Advantage

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

VS

Health AdvantEdge Plus

AYUSH is covered up to Sum Insured.

Initial Waiting Period

Senior Health Advantage

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

VS

Health AdvantEdge Plus

30 days for illnesses; accidental hospitalisation exempt.

Specific Waiting Period

Senior Health Advantage

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

VS

Health AdvantEdge Plus

2 years for specified diseases and procedures, subject to the policy wording.

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

Health AdvantEdge Plus

2 years, subject to disclosure and acceptance by the insurer.

Modern Treatment

Senior Health Advantage

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

VS

Health AdvantEdge Plus

Covered up to sum insured, subject to policy terms and exclusions.

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

Health AdvantEdge Plus

Annual benefit from the first year; historical brochure specifies up to 0.5% of sum insured, capped at ₹10,000, on a cashless basis.

Pre-Hospitalisation

Senior Health Advantage

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

VS

Health AdvantEdge Plus



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

Health AdvantEdge Plus

Up to 180 days under the historical Apex Plus brochure.

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

Health AdvantEdge Plus

General OPD cover not verified. Teleconsultations are listed in the historical brochure as an included value-added service.

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

Health AdvantEdge Plus

Not verified for this variant.

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

Health AdvantEdge Plus

Individual/family cover; historical Apex Plus brochure also lists worldwide cover for sum insured of ₹25 lakh and above. Confirm current availability and conditions.

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

Health AdvantEdge Plus

FY 24-25: ~84%

Maternity Cover

Senior Health Advantage

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

VS

Health AdvantEdge Plus

Optional; historical brochure specifies 10% of base sum insured, capped at ₹10 lakh, for up to 3 deliveries. Waiting periods and eligibility must be checked in the applicable wording.

Insurance Plans Comparison

Still Confused? Get Expert Advice

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

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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

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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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