Insurance Plans Comparison
Care Senior Health Advantage vs ICICI Lombard Complete Health Insurance Health Shield
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreSenior 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
Complete Health Insurance Health Shield
Add 10% to the sum insured after every claim-free year, up to 50%, and cover organ-donor expenses up to ₹10 lakh, with domiciliary hospitalisation and air ambulance paid over and above the sum insured.
What Makes It Special:
Health Shield is a variant listed under ICICI Lombard Complete Health Insurance. Its benefits include inpatient hospitalisation, eligible daycare procedures, inpatient AYUSH treatment, pre- and post-hospitalisation expenses, and a reset benefit that can replenish eligible cover after previous claims. The policy also lists a cumulative bonus and wellness services. Coverage...
Best For:
Customers who may use the policy's wellness services and preventive health-check-up facilities.
Buyers who want eligible daycare and inpatient AYUSH treatment covered.
Customers who value a cumulative bonus for claim-free years.
Individuals or families comparing different base sum insured options.
Buyers looking for hospitalisation cover with a reset benefit for subsequent eligible claims.
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.
Verify that the Health Shield variant is still available and that the quoted UIN matches the policy document before purchase.
Compare the cataract sub-limit with your expected needs, especially if selecting a lower sum insured.
Check the 24-month PED and specified-disease waiting periods against your medical history.
Review the reset rules carefully, including the restrictions on using reset cover for the same illness.
Confirm the available sum insured and room-rent limit in the policy schedule before choosing the plan.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Senior Health Advantage Health Insurance Plan VS VS |
![]() Complete Health Insurance Health Shield Health Insurance Plan |
| Room Rent |
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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 VS |
Complete Health Insurance Health Shield Normal: Health Shield offers room rent and ICU coverage without sub-limits, ensuring full financial support for hospitalization, including intensive care expenses. |
| ICU Charges |
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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 VS |
Complete Health Insurance Health Shield Covered under eligible inpatient hospitalisation, subject to policy terms. |
| Advanced Treatments |
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Senior Health Advantage Information Unavailable |
VS VS |
Complete Health Insurance Health Shield Covers advanced treatments, including robotic surgeries, stem cell therapy, immunotherapy, and modern cancer treatments |
| Co-payment |
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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 VS |
Complete Health Insurance Health Shield 10% of copay will be applied to every admissible claim. |
| Disease-wise sublimits |
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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 VS |
Complete Health Insurance Health Shield 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. |
| Cashless Healthcare Providers |
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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 VS |
Complete Health Insurance Health Shield 10,896+ hospitals 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 VS |
Complete Health Insurance Health Shield Unlimited Reset Benefit is listed; reset does not trigger on the first claim and remains subject to illness, insured-person and other policy conditions. |
| 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 VS |
Complete Health Insurance Health Shield 10% of annual sum insured per claim-free year, up to 50%; accumulated bonus reduces by 10% of annual sum insured following a claim, as specified in the policy. |
| Daycare Treatment |
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Senior Health Advantage Eligible daycare procedures are covered, subject to policy terms and the applicable list of procedures. |
VS VS |
Complete Health Insurance Health Shield Covered under the policy. |
| Consumable Cover |
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Senior Health Advantage A separate comprehensive consumables cover is not established as a standard benefit in the reviewed brochure or current product summary. |
VS VS |
Complete Health Insurance Health Shield |
| AYUSH Treatment |
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Senior Health Advantage Eligible AYUSH treatment is covered up to the sum insured, subject to the policy terms. |
VS VS |
Complete Health Insurance Health Shield Covered under this policy |
| Initial Waiting Period |
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Senior Health Advantage 30 days for illnesses, except accidental injuries, subject to policy terms. |
VS VS |
Complete Health Insurance Health Shield 30 days for illnesses; injury-related hospitalisation is excepted. |
| Specific Waiting Period |
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Senior Health Advantage 24 months of continuous coverage for named ailments and procedures, subject to the policy wording. |
VS VS |
Complete Health Insurance Health Shield 24 months for specified illnesses and treatments. |
| PED Waiting Period |
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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 VS |
Complete Health Insurance Health Shield 24 months for declared and accepted pre-existing diseases. |
| Modern Treatment |
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Senior Health Advantage Advanced technology treatments are covered subject to the applicable treatment-specific sub-limits and policy terms. |
VS VS |
Complete Health Insurance Health Shield Not verified as a separately defined benefit in the reviewed Health Shield document. |
| Annual Health Checkup |
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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 VS |
Complete Health Insurance Health Shield Health-check-up coupon each policy year, up to 2 coupons per year for floater policies. |
| Pre-Hospitalisation |
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Senior Health Advantage The uploaded brochure specifies eligible pre-hospitalisation medical expenses for 30 days before admission. |
VS VS |
Complete Health Insurance Health Shield Up to 30 days. |
| Post-Hospitalisation |
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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 VS |
Complete Health Insurance Health Shield Up to 60 days. |
| 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 VS |
Complete Health Insurance Health Shield Wellness points may be redeemable for eligible outpatient expenses; a fixed comprehensive OPD limit was not verified. |
| Deductible Option |
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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 VS |
Complete Health Insurance Health Shield Not verified in the reviewed Health Shield document. |
| 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 VS |
Complete Health Insurance Health Shield Individual or family floater; listed sum insured options from ₹3 lakh to ₹50 lakh. |
| 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 VS |
Complete Health Insurance Health Shield FY 2024-25: 83.65% |
| Maternity Cover |
|---|
Senior Health Advantage Maternity and childbirth cover is not listed as a standard benefit in the reviewed brochure. |
VS VS |
Complete Health Insurance Health Shield Excluded under the reviewed policy wording, except for stated policy exceptions such as ectopic pregnancy. |
Insurance Plans Comparison
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