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Insurance Plans Comparison

Care Super Mediclaim vs ICICI Lombard Health AdvantEdge Plus

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Care

Super Mediclaim

Care Super Mediclaim offers health insurance options focused on specified critical illnesses, cancer, heart conditions and surgical procedures, subject to the selected variant and policy terms.

What Makes It Special:

Care Super Mediclaim is a health insurance product with four specialised variants: Critical Mediclaim, Cancer Mediclaim, Heart Mediclaim and Operation Mediclaim. Each variant is designed around defined medical conditions or procedures and may include hospitalisation, daycare, pre- and post-hospitalisation and other eligible benefits.

Best For:

  • Customers comparing specialised health coverage options alongside their existing health insurance.

  • Individuals seeking insurance for defined surgical procedures.

  • People looking for cover for specified heart-related conditions.

  • Customers seeking financial protection for eligible cancer treatment.

  • Individuals looking for cover focused on specified critical illnesses.

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

  • Assess your overall coverage: Consider whether specialised cover complements your existing health insurance and financial needs.

  • Compare limits and exclusions: Review room eligibility, co-payments, deductibles and variant-specific restrictions.

  • Understand waiting periods: Initial, specified-illness and pre-existing disease waiting periods can affect when benefits become available.

  • Review the covered conditions: Check whether the treatment or diagnosis you want protection for is included.

  • Choose the right variant: Each option covers a different set of illnesses, conditions or procedures.

  • 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

Super Mediclaim
Super Mediclaim

Health Insurance Plan

VS
Health AdvantEdge Plus
Health AdvantEdge Plus

Health Insurance Plan

Room Rent

Super Mediclaim

Room eligibility depends on the sum insured and applicable variant. The official overview lists a single private room for certain sum insured levels and all room categories for higher eligible sum insured levels. Check the current policy schedule for the precise entitlement.

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

Super Mediclaim

ICU expenses are covered subject to the sum insured and applicable policy terms. The official product overview lists ICU charges without a separate limit for the displayed variants.

VS

Health AdvantEdge Plus

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

Advanced Treatments

Super Mediclaim

Information Unavailable

VS

Health AdvantEdge Plus

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

Super Mediclaim

A co-payment option may be available, and the applicable percentage depends on the policy selected. Check the current policy schedule for any mandatory or optional co-payment.

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

Super Mediclaim

Variant-specific conditions, procedures and benefits may have limits. Critical Mediclaim covers specified critical illnesses, Cancer Mediclaim covers eligible cancer-related treatment, Heart Mediclaim covers specified heart conditions, and Operation Mediclaim covers defined surgical procedures.

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

Super Mediclaim

Cashless treatment is available at eligible network hospitals, subject to network status, pre-authorisation and policy conditions. The network may change over time.

VS

Health AdvantEdge Plus

10,000+ Healthcare Providers across India 

Restoration Benefit

Super Mediclaim

Automatic recharge may be available as an optional benefit under applicable product versions. It should not be described as a standard or unlimited benefit unless confirmed in the current policy schedule.

VS

Health AdvantEdge Plus

Information Unavailable

Cumulative Bonus

Super Mediclaim

No-claim bonus can increase the sum insured by up to 100% over three consecutive claim-free policy years, subject to the applicable variant’s bonus schedule and claim conditions.

VS

Health AdvantEdge Plus

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

Daycare Treatment

Super Mediclaim

Eligible daycare procedures are covered up to the applicable sum insured, subject to the variant’s covered-procedure list and policy terms.

VS

Health AdvantEdge Plus

Covered. Requires hospitalization of more than 24 Hours.

Consumable Cover

Super Mediclaim

Separate comprehensive coverage for non-medical consumables is not established as a standard benefit in the reviewed product overview. Eligible hospital expenses remain subject to policy terms.

VS

Health AdvantEdge Plus

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

AYUSH Treatment

Super Mediclaim

Eligible AYUSH treatment is covered under applicable variants and policy conditions. The historical brochure identifies variant-specific restrictions, including limits for certain treatments.

VS

Health AdvantEdge Plus

AYUSH is covered up to Sum Insured.

Initial Waiting Period

Super Mediclaim

Generally 30 days for illnesses from policy inception, except eligible claims arising from accidents, subject to policy terms.

VS

Health AdvantEdge Plus

30 days for illnesses; accidental hospitalisation exempt.

Specific Waiting Period

Super Mediclaim

A 24-month waiting period applies to specified illnesses or procedures where listed in the applicable policy wording. The applicable list depends on the variant.

VS

Health AdvantEdge Plus

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

PED Waiting Period

Super Mediclaim

The historical product information lists a 36-month waiting period for pre-existing diseases. Any available reduction option and the applicable current waiting period must be checked against the selected policy version.

VS

Health AdvantEdge Plus

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

Modern Treatment

Super Mediclaim

Coverage depends on the selected variant and applicable policy terms. Refer to the current variant wording for the eligible advanced procedures and limits.

VS

Health AdvantEdge Plus

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

Annual Health Checkup

Super Mediclaim

Annual health check-ups are available from the second policy year after continuous coverage, subject to the applicable policy conditions.

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

Super Mediclaim

Eligible medical expenses incurred during the 30 days immediately before hospitalisation are covered, subject to policy terms.

VS

Health AdvantEdge Plus



Post-Hospitalisation

Super Mediclaim

Eligible post-hospitalisation medical expenses are covered for up to 60 days after discharge, subject to the policy terms and claim admissibility.

VS

Health AdvantEdge Plus

Up to 180 days under the historical Apex Plus brochure.

Outpatient Department Cover (OPD Expense)

Super Mediclaim

OPD benefits may be available for eligible covered conditions under the applicable variant and policy limits. Under the historical product information, OPD expenses are linked to an admissible hospitalisation claim for the same illness.

VS

Health AdvantEdge Plus

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

Deductible Option

Super Mediclaim

A deductible option may be available to reduce the premium. Availability, deductible amount and application conditions depend on the selected variant and policy schedule.

VS

Health AdvantEdge Plus

Not verified for this variant.

Coverage Options

Super Mediclaim

Available variants include Critical Mediclaim for specified critical illnesses, Cancer Mediclaim for cancer, Heart Mediclaim for specified heart-related conditions and Operation Mediclaim for defined surgical procedures.

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

Super Mediclaim

Use Care Health Insurance’s insurer-level claim settlement ratio for the relevant financial year. Do not represent it as a product-specific ratio or a guarantee of claim approval.

VS

Health AdvantEdge Plus

FY 24-25: ~84%

Maternity Cover

Super Mediclaim

Maternity cover is not identified as a standard benefit in the reviewed Super Mediclaim product overview.

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.

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Still Confused? Get Expert Advice

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Why Choose Our Expert Consultation?

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Free Expert Consultation

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

24/7 Claim Assistance

24/7 Claim Assistance

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

Expert-Led Policy Review

  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

Smart, Tech-Enabled Experience

  • 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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