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Insurance Plans Comparison

Care Supreme Senior Health AdvantEdge vs ICICI Lombard Complete Health Insurance Health Shield Plus Plan

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

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Care

Supreme Senior Health AdvantEdge

Senior citizen health insurance with unlimited automatic recharge, cumulative bonus and optional wellness benefits.

What Makes It Special:

Care Supreme Senior is designed for senior citizens aged 61 years and above, with no upper age limit for adult entry. It offers hospitalisation coverage, day-care treatment, AYUSH treatment, domiciliary hospitalisation, organ donor expenses and unlimited automatic recharge. The product is available through two options—Care Supreme Senior Super and Care...

Best For:

  • Eligible customers who may benefit from optional wellness, health-checkup or OPD-related benefits.

  • Families looking for individual or family floater cover for eligible members.

  • Customers seeking additional coverage through unlimited automatic recharge for subsequent eligible claims.

  • Older adults who want cover for eligible hospitalisation and day-care procedures.

  • Senior citizens looking for health insurance with entry available from age 61.

VS
ICICI Lombard

Complete Health Insurance Health Shield Plus Plan

Comprehensive hospitalisation cover with restoration and loyalty benefits

What Makes It Special:

Health Shield Plus is a health insurance variant under ICICI Lombard Complete Health Insurance. It offers inpatient hospitalisation, daycare treatment, AYUSH hospitalisation, listed modern treatments and an Unlimited Reset Benefit. The plan also provides a Loyalty Bonus and extended pre- and post-hospitalisation coverage, subject to the applicable terms, waiting periods,...

Best For:

  • Buyers who prefer a policy with a Loyalty Bonus that can accumulate over eligible renewals.

  • People who want extended coverage for eligible medical expenses before and after hospitalisation.

  • Buyers who value restoration of cover after eligible claims during a policy year.

  • Families looking for a shared sum insured through a family floater policy.

  • Individuals seeking health insurance with multiple sum insured options.

Insurance Plans Comparison

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Quick Decision Guide

Care Supreme Senior Health AdvantEdge

  • Review optional benefits carefully: Confirm the availability, cost and terms of benefits such as wellness, Care OPD, annual health checkups and room-rent modification.

  • Review waiting periods: The initial waiting period is 30 days, the named-ailment waiting period is 24 months, and the PED waiting period is 48 months.

  • Check room eligibility: The stated room category is the most economical single private AC room unless an applicable room-rent modification benefit changes it.

  • Account for co-payment: The stated 20% co-payment means the insured pays a share of eligible claim expenses.

  • Compare the two plan options: Senior Super has sub-limits for specified treatments, whereas Senior Premium lists these sub-limits as not applicable.

ICICI Lombard Complete Health Insurance Health Shield Plus Plan

  • If you need maternity or routine OPD benefits, compare other variants because these are not listed as standard benefits under Health Shield Plus.

  • Confirm whether the optional co-payment is selected, as it can affect the amount payable by you during a claim.

  • Check the 24-month waiting periods for pre-existing diseases and specified conditions before purchasing.

  • Review the room category applicable to your selected sum insured to understand potential out-of-pocket expenses.

  • Choose the sum insured based on your likely hospitalisation costs, financial exposure and number of insured members.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Supreme Senior Health AdvantEdge
Supreme Senior Health AdvantEdge

Health Insurance Plan

Brochure

Policy Wording

VS
Complete Health Insurance Health Shield Plus Plan
Complete Health Insurance Health Shield Plus Plan

Health Insurance Plan

Brochure

Room Rent

Supreme Senior Health AdvantEdge

Most economical single private AC room. An optional room-rent modification benefit is mentioned.

VS

Complete Health Insurance Health Shield Plus Plan

Normal: the plan offers coverage for single private rooms for hospitalization, while ICU expenses are covered up to the sum insured without sub-limits.

ICU Charges

Supreme Senior Health AdvantEdge

No limit specified in the plan benefit, subject to policy terms.

VS

Complete Health Insurance Health Shield Plus Plan

Covered as per eligible hospitalisation expenses and policy limits.

Advanced Treatments

Supreme Senior Health AdvantEdge

Information Unavailable

VS

Complete Health Insurance Health Shield Plus Plan

ICICI Health Shield Plus covers advanced medical treatments, ensuring access to modern healthcare. It includes robotic surgeries, stem cell therapy (for approved conditions), targeted cancer therapies, and other cutting-edge procedures.

Co-payment

Supreme Senior Health AdvantEdge

20% co-payment applies to all claims under the described plan options.

VS

Complete Health Insurance Health Shield Plus Plan

Health Shield Plus may include a copayment clause, requiring policyholders to pay a fixed percentage of the claim amount, especially for senior citizens or specific treatments. The exact copayment percentage varies based on policy terms.

Disease-wise sublimits

Supreme Senior Health AdvantEdge

Apply to specified treatments under Senior Super; listed as not applicable under Senior Premium.

VS

Complete Health Insurance Health Shield Plus Plan

Cataract treatment is limited to 10% of the sum insured, up to ₹1 lakh per eye. Other applicable limits and exclusions are governed by the policy wording.

Cashless Healthcare Providers

Supreme Senior Health AdvantEdge

11000+ NETWORK HOSPITALS.

VS

Complete Health Insurance Health Shield Plus Plan

10,896+ hospitals across India.

Restoration Benefit

Supreme Senior Health AdvantEdge

Unlimited automatic recharge for eligible subsequent claims, including the same or different illnesses, subject to policy terms.

VS

Complete Health Insurance Health Shield Plus Plan

Unlimited Reset Benefit for different illnesses and once for the same illness, subject to policy conditions.

Cumulative Bonus

Supreme Senior Health AdvantEdge

50% of the sum insured added at renewal, up to 100%; accrued bonus is not reduced due to claims.

VS

Complete Health Insurance Health Shield Plus Plan

Loyalty Bonus of 20% per year, up to 100% of the sum insured, subject to conditions.

Daycare Treatment

Supreme Senior Health AdvantEdge

Covered up to the sum insured.

VS

Complete Health Insurance Health Shield Plus Plan

Covered under the policy. 

Consumable Cover

Supreme Senior Health AdvantEdge

Not specified as a standard benefit in the supplied document.

VS

Complete Health Insurance Health Shield Plus Plan

Not included as a standard benefit; Claim Protector is listed as an optional cover.

AYUSH Treatment

Supreme Senior Health AdvantEdge

Covered up to the sum insured.

VS

Complete Health Insurance Health Shield Plus Plan

.

Initial Waiting Period

Supreme Senior Health AdvantEdge

30 days, except accident-related hospitalisation.

VS

Complete Health Insurance Health Shield Plus Plan

30 days for illnesses; accident-related claims are treated as per policy terms.

Specific Waiting Period

Supreme Senior Health AdvantEdge

24 months for named ailments.

VS

Complete Health Insurance Health Shield Plus Plan

24 months for specified diseases and procedures.

PED Waiting Period

Supreme Senior Health AdvantEdge

48 months

VS

Complete Health Insurance Health Shield Plus Plan

24 months for declared and accepted pre-existing diseases, subject to policy conditions.

Modern Treatment

Supreme Senior Health AdvantEdge

Eligible advanced technology treatments covered up to the sum insured.

VS

Complete Health Insurance Health Shield Plus Plan

Covered up to the annual sum insured for listed technological advancements and treatments, subject to policy terms.

Annual Health Checkup

Supreme Senior Health AdvantEdge

Available as an optional benefit; once a year for all insured members.

VS

Complete Health Insurance Health Shield Plus Plan

Preventive health check-up coupons each policy year; limits vary by sum insured.

Pre-Hospitalisation

Supreme Senior Health AdvantEdge

Covered for 60 days.

VS

Complete Health Insurance Health Shield Plus Plan

60 days.

Post-Hospitalisation

Supreme Senior Health AdvantEdge

Covered for 180 days.

VS

Complete Health Insurance Health Shield Plus Plan

180 days.

Outpatient Department Cover (OPD Expense)

Supreme Senior Health AdvantEdge

Optional Care OPD benefit; limits and consultation co-payments apply.

VS

Complete Health Insurance Health Shield Plus Plan

Not included as a standard benefit; the listed OPD treatment cover is not available under this variant.

Deductible Option

Supreme Senior Health AdvantEdge

Not specified in the supplied document.

VS

Complete Health Insurance Health Shield Plus Plan

Not included as a standard benefit; the listed OPD treatment cover is not available under this variant.

Coverage Options

Supreme Senior Health AdvantEdge

Individual and family floater; sum insured options of ₹7 lakh, ₹10 lakh, ₹15 lakh and ₹25 lakh.

VS

Complete Health Insurance Health Shield Plus Plan

Individual and family floater options, with sum insured choices from ₹5 lakh to ₹1 crore.

Claim Settlement Ratio

Supreme Senior Health AdvantEdge

99.95% FY 2024-25

VS

Complete Health Insurance Health Shield Plus Plan

FY 24-25: 83.65%

Maternity Cover

Supreme Senior Health AdvantEdge

Not specified in the supplied document.

VS

Complete Health Insurance Health Shield Plus Plan

Not available under Health Shield Plus as per the reviewed product comparison.

Insurance Plans Comparison

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Personalised Recommendations

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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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  • 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.

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