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Insurance Plans Comparison

Care Senior 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...

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Care

Senior

Health Insurance for Senior Citizens 60+ with Lifelong Renewability

What Makes It Special:

Care Senior is tailored specifically for the healthcare requirements of senior citizens aged 60 and above.

Best For:

  • Customers wanting automatic recharge protection

  • Families covering elderly parents

  • Elderly individuals seeking senior-specific health screening benefits

  • Buyers looking for health insurance with no upper entry age cap

  • Senior citizens aged 60 and above

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

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Quick Decision Guide

Care Senior

  • Senior health screening included

  • Inbuilt 1-time automatic sum insured recharge

  • Includes a mandatory 20% co-payment per claim

  • Pre-existing disease waiting period is 48 months (or 24 months based on option)

  • Entry starts from age 60 with no maximum entry age limit

ICICI Lombard Complete Health Insurance Health Shield

  • 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
Senior

Health Insurance Plan

Brochure

VS
Complete Health Insurance Health Shield
Complete Health Insurance Health Shield

Health Insurance Plan

Brochure

Room Rent

Senior

Room rent is covered up to the sum insured, subject to the applicable room-category terms of the plan.

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

ICU charges are covered up to your sum insured during the policy period.

VS

Complete Health Insurance Health Shield

Covered under eligible inpatient hospitalisation, subject to policy terms.

Advanced Treatments

Senior

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

20% co-payment is applicable on all claims. An additional 20% co-payment applies for treatment taken outside Smart Select network hospitals.

VS

Complete Health Insurance Health Shield

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

Disease-wise sublimits

Senior

Yes, sublimits apply to specified diseases and treatments as per the policy terms.

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

22,100+ cashless healthcare providers.

VS

Complete Health Insurance Health Shield

10,896+ hospitals across India.

Restoration Benefit

Senior

Yes, your sum insured is automatically recharged by an amount equal to the opted sum insured, unlimited times during the policy year, for related or unrelated illnesses.

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

Your sum insured increases by 10% for every claim-free year, up to a maximum of 50% of the sum insured.

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

Covers all eligible Day Care Procedures, including treatments such as cataract, chemotherapy, dialysis and stone removal, up to your sum insured.

VS

Complete Health Insurance Health Shield

Covered under the policy. 

Consumable Cover

Senior

Consumable expenses are not covered under the plan.

VS

Complete Health Insurance Health Shield



AYUSH Treatment

Senior

Covers AYUSH treatment expenses up to your sum insured, subject to the policy terms and treatment being taken at an AYUSH-certified facility.

VS

Complete Health Insurance Health Shield

Covered under this policy

Initial Waiting Period

Senior

30 days for illnesses, except injuries caused by an accident.

VS

Complete Health Insurance Health Shield

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

Specific Waiting Period

Senior

2 years for specified named ailments.

VS

Complete Health Insurance Health Shield

24 months for specified illnesses and treatments.

PED Waiting Period

Senior

3 years for pre-existing diseases.

VS

Complete Health Insurance Health Shield

24 months for declared and accepted pre-existing diseases.

Modern Treatment

Senior

Modern treatment methods are not covered under the plan.

VS

Complete Health Insurance Health Shield

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

Annual Health Checkup

Senior

Annual health check-up is available for all insured members.

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

You get cover for medical expenses up to 60 days before hospitalisation, subject to the main hospitalisation claim being admissible.

VS

Complete Health Insurance Health Shield

Up to 30 days.

Post-Hospitalisation

Senior

You get cover for medical expenses up to 180 days after discharge from the hospital.

VS

Complete Health Insurance Health Shield

Up to 60 days.

Outpatient Department Cover (OPD Expense)

Senior

OPD expense is not included.

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

Not available as a standard deductible option.

VS

Complete Health Insurance Health Shield

Not verified in the reviewed Health Shield document.

Coverage Options

Senior

Available coverage options: ₹3L, ₹5L, ₹7L and ₹10L.

VS

Complete Health Insurance Health Shield

Individual or family floater; listed sum insured options from ₹3 lakh to ₹50 lakh.

Claim Settlement Ratio

Senior

96.74% for FY 2024-25.

VS

Complete Health Insurance Health Shield

FY 2024-25: 83.65%

Maternity Cover

Senior

Not available.

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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What Our Experts Help You With

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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

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

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

Having questions? We've got answers. Explore our FAQs to find the information you need.

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