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Insurance Plans Comparison

Care Supreme (Direct) 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

Supreme (Direct)

Buy Care Supreme Direct Online with an Online Platform Discount, Unlimited Recharge and Comprehensive Health Cover

What Makes It Special:

Online-purchase variant of Care Supreme with an online platform discount. Includes unlimited recharge, no separate room-rent or ICU limit, AYUSH and domiciliary hospitalisation up to SI, and cumulative bonus benefits.

Best For:

  • Online buyers who want to access the available online platform discount while retaining Care Supreme's core benefits.

  • Applicants looking for a policy with no separate room-rent or ICU-charge limit.

  • People who want unlimited recharge for eligible same or different illnesses.

  • Individuals and families seeking comprehensive hospitalisation coverage.

  • Customers who prefer purchasing health insurance online.

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

Care Supreme (Direct)

  • Review optional benefits: Deductibles, co-payment, Smart Select, Cumulative Bonus Super, annual health check-ups and wellness benefits may change the premium or how claims are paid.

  • Check waiting periods: The standard brochure lists 30 days for illnesses, 24 months for named ailments and 48 months for pre-existing diseases.

  • Understand the bonus structure: The base Cumulative Bonus can reach 100% of SI. Optional Cumulative Bonus Super can increase the additional bonus further, subject to its conditions.

  • Choose the right Sum Insured: Compare the available individual and floater options against your expected healthcare expenses.

  • Consider online purchase: Care Supreme Direct is intended for online purchase and offers an online platform discount. Confirm the final premium and discount displayed during purchase.

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

Supreme (Direct)
Supreme (Direct)

Health Insurance Plan

Brochure

Policy Wording

VS
Complete Health Insurance Health Shield
Complete Health Insurance Health Shield

Health Insurance Plan

Brochure

Room Rent

Supreme (Direct)

Full coverage for ICU and normal room charges up to SI.

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

Supreme (Direct)

Full coverage for ICU expenses and normal room charges up to sum insured.

VS

Complete Health Insurance Health Shield

Covered under eligible inpatient hospitalisation, subject to policy terms.

Advanced Treatments

Supreme (Direct)

Information Unavailable

VS

Complete Health Insurance Health Shield

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

Co-payment

Supreme (Direct)

No mandatory co-payment; optional voluntary co-payment available.

VS

Complete Health Insurance Health Shield

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

Disease-wise sublimits

Supreme (Direct)

No disease-wise sub-limits.

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

Supreme (Direct)

5,000+ network hospitals across India.

VS

Complete Health Insurance Health Shield

10,896+ hospitals across India.

Restoration Benefit

Supreme (Direct)

Unlimited restoration benefit available.

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

Supreme (Direct)

Provided annually on no-claim basis (specific % varies by year).

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

Supreme (Direct)

Covers 200+ medical procedures: dialysis, chemotherapy, cataract surgery, etc.

VS

Complete Health Insurance Health Shield

Covered under the policy. 

Consumable Cover

Supreme (Direct)

Included as part of hospitalisation expenses.

VS

Complete Health Insurance Health Shield



AYUSH Treatment

Supreme (Direct)

Covered on cashless basis at network facilities.

VS

Complete Health Insurance Health Shield

Covered under this policy

Initial Waiting Period

Supreme (Direct)

30 days (except accidents).

VS

Complete Health Insurance Health Shield

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

Specific Waiting Period

Supreme (Direct)

2 years for specified ailments.

VS

Complete Health Insurance Health Shield

24 months for specified illnesses and treatments.

PED Waiting Period

Supreme (Direct)

3 years for pre-existing diseases.

VS

Complete Health Insurance Health Shield

24 months for declared and accepted pre-existing diseases.

Modern Treatment

Supreme (Direct)

Covers cutting-edge procedures: robotic surgery, stem cell therapy, organ transplants, and other advanced treatments.

VS

Complete Health Insurance Health Shield

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

Annual Health Checkup

Supreme (Direct)

Available on cashless basis.

VS

Complete Health Insurance Health Shield

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

Pre-Hospitalisation

Supreme (Direct)

Pre-existing diseases covered after 3 years waiting period.

VS

Complete Health Insurance Health Shield

Up to 30 days.

Post-Hospitalisation

Supreme (Direct)

Covered as part of related hospitalisation medical expenses.

VS

Complete Health Insurance Health Shield

Up to 60 days.

Outpatient Department Cover (OPD Expense)

Supreme (Direct)

Not available in base plan, present as an add on.

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

Supreme (Direct)

Optional feature available.

VS

Complete Health Insurance Health Shield

Not verified in the reviewed Health Shield document.

Coverage Options

Supreme (Direct)

Multiple SI options available (varies by plan).

VS

Complete Health Insurance Health Shield

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

Claim Settlement Ratio

Supreme (Direct)

80%

VS

Complete Health Insurance Health Shield

FY 2024-25: 83.65%

Maternity Cover

Supreme (Direct)

Availability to be confirmed from policy document.

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

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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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

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

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

1-5 of 10 FAQs

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