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Insurance Plans Comparison

Care Senior Health Advantage vs ICICI Lombard Complete Health Insurance Health 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

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
Senior Health Advantage

Health Insurance Plan

Brochure

VS
Complete Health Insurance Health Shield
Complete Health Insurance Health Shield

Health Insurance Plan

Brochure

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

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

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

Complete Health Insurance Health Shield

Covered under eligible inpatient hospitalisation, subject to policy terms.

Advanced Treatments

Senior Health Advantage

Information Unavailable

VS

Complete Health Insurance Health Shield

Covers advanced treatments, including robotic surgeries, stem cell therapy, immunotherapy, and modern cancer treatments

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

Complete Health Insurance Health Shield

10% of copay will be applied to every admissible claim.

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

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

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

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

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

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

Senior Health Advantage

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

VS

Complete Health Insurance Health Shield

Covered under the policy. 

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

Complete Health Insurance Health Shield



AYUSH Treatment

Senior Health Advantage

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

VS

Complete Health Insurance Health Shield

Covered under this policy

Initial Waiting Period

Senior Health Advantage

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

VS

Complete Health Insurance Health Shield

30 days for illnesses; injury-related hospitalisation is excepted.

Specific Waiting Period

Senior Health Advantage

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

VS

Complete Health Insurance Health Shield

24 months for specified illnesses and treatments.

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

Complete Health Insurance Health Shield

24 months for declared and accepted pre-existing diseases.

Modern Treatment

Senior Health Advantage

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

VS

Complete Health Insurance Health Shield

Not verified as a separately defined benefit in the reviewed Health Shield document.

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

Complete Health Insurance Health Shield

Health-check-up coupon each policy year, up to 2 coupons per year for floater policies.

Pre-Hospitalisation

Senior Health Advantage

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

VS

Complete Health Insurance Health Shield

Up to 30 days.

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

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

Complete Health Insurance Health Shield

Wellness points may be redeemable for eligible outpatient expenses; a fixed comprehensive OPD limit was not verified.

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

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

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

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

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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Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

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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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