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Insurance Plans Comparison

ICICI Lombard Complete Health Insurance Health Shield vs Care Supreme Enhance Two

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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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.

VS
Care

Supreme Enhance Two

Super top-up health insurance with unlimited automatic recharge, cumulative bonus and an optional Unlimited Care benefit.

What Makes It Special:

Care Supreme Enhance Plan 2 is a high-deductible super top-up health insurance option designed to supplement existing medical coverage. It offers eligible hospitalisation benefits, unlimited automatic recharge and a cumulative bonus of up to 100%. Plan 2 also makes available the Unlimited Care benefit and air ambulance cover under their...

Best For:

  • Wellness perks and rewards with your policy

  • Daycare and full hospitalization benefits

  • Nationwide cashless hospitalization

  • Higher medical coverage with value-for-money premiums

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

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.

Care Supreme Enhance Two

  • You want customizable add-ons for stronger family security

  • You want health rewards and wellness benefits included

  • You want all-round protection including daycare and post-hospitalization

  • You want cashless access to top hospitals across India.

  • You want superior coverage with higher sum insured

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Complete Health Insurance Health Shield
Complete Health Insurance Health Shield

Health Insurance Plan

Brochure

VS
Supreme Enhance Two
Supreme Enhance Two

Health Insurance Plan

Brochure

Policy Wording

Room Rent

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.

VS

Supreme Enhance Two

  1. Normal: Single private room
  2. ICU: No Limit
Advanced Treatments

Complete Health Insurance Health Shield

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

VS

Supreme Enhance Two

  1. Robotic Surgery
  2. Proton Beam Therapy
  3. Cyber Knife Treatment
  4. Stem Cell Therapy 
  5. Targeted and Immunotherapy 
  6. Artificial Organs & Implants
ICU Charges

Complete Health Insurance Health Shield

Covered under eligible inpatient hospitalisation, subject to policy terms.

VS

Supreme Enhance Two

No restriction on ICU room rent

Co-payment

Complete Health Insurance Health Shield

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

VS

Supreme Enhance Two

Only applicable for people above the age of 61.

Disease-wise sublimits

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.

VS

Supreme Enhance Two

No

Cashless Healthcare Providers

Complete Health Insurance Health Shield

10,896+ hospitals across India.

VS

Supreme Enhance Two

24800+ network hospitals across India.

Restoration Benefit

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.

VS

Supreme Enhance Two

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

Daycare Treatment

Complete Health Insurance Health Shield

Covered under the policy. 

VS

Supreme Enhance Two

Covered under the policy

Cumulative Bonus

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.

VS

Supreme Enhance Two

Your sum insured increases by 10% every year, maximum up to 100%

AYUSH Treatment

Complete Health Insurance Health Shield

Covered under this policy

VS

Supreme Enhance Two

AYUSH treatment covered under this policy

Consumable Cover

Complete Health Insurance Health Shield



VS

Supreme Enhance Two

Yes

Initial Waiting Period

Complete Health Insurance Health Shield

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

VS

Supreme Enhance Two

30 days

Specific Waiting Period

Complete Health Insurance Health Shield

24 months for specified illnesses and treatments.

VS

Supreme Enhance Two

2 years

PED Waiting Period

Complete Health Insurance Health Shield

24 months for declared and accepted pre-existing diseases.

VS

Supreme Enhance Two

3 years

Modern Treatment

Complete Health Insurance Health Shield

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

VS

Supreme Enhance Two

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Annual Health Checkup

Complete Health Insurance Health Shield

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

VS

Supreme Enhance Two

Health check-up is available once every policy year, from day 1 of the policy

Pre-Hospitalisation

Complete Health Insurance Health Shield

Up to 30 days.

VS

Supreme Enhance Two

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

Post-Hospitalisation

Complete Health Insurance Health Shield

Up to 60 days.

VS

Supreme Enhance Two

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)

Complete Health Insurance Health Shield

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

VS

Supreme Enhance Two

OPD expense is not included

Deductible Option

Complete Health Insurance Health Shield

Not verified in the reviewed Health Shield document.

VS

Supreme Enhance Two

Available

Coverage Options

Complete Health Insurance Health Shield

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

VS

Supreme Enhance Two

Available coverage options: 20L to 1cr

Claim Settlement Ratio

Complete Health Insurance Health Shield

FY 2024-25: 83.65%

VS

Supreme Enhance Two

96%

Maternity Cover

Complete Health Insurance Health Shield

Excluded under the reviewed policy wording, except for stated policy exceptions such as ectopic pregnancy.

VS

Supreme Enhance Two

Not available

Insurance Plans Comparison

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Why Choose Our Expert Consultation?

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

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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

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  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

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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