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Insurance Plans Comparison

ICICI Lombard Health AdvantEdge vs Care Supreme Senior Premium

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

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ICICI Lombard

Health AdvantEdge

Stay in any room category and restore 100% of the base sum insured even after only part of it is used, including for the same illness, along with a 20% cumulative bonus up to 100%.

What Makes It Special:

ICICI Lombard Health AdvantEdge is a comprehensive health insurance policy available through individual and family floater configurations. It covers eligible hospitalisation, daycare procedures, domiciliary hospitalisation, pre- and post-hospitalisation expenses, ambulance services and AYUSH treatment. The plan also provides wellness and preventive health check-up benefits, with optional features such as maternity...

Best For:

  • Buyers who want to evaluate optional maternity, teleconsultation or non-medical expense protection.

  • Customers interested in preventive health check-ups and wellness services.

  • Buyers who value restoration and loyalty benefits, subject to policy conditions.

  • Families who want to share a sum insured through a family floater policy.

  • Individuals looking for comprehensive health insurance with multiple sum insured options.

VS
Care

Supreme Senior Premium

Senior-focused health insurance with unlimited automatic recharge and cumulative bonus benefits.

What Makes It Special:

Care Supreme Senior Premium is designed for senior citizens aged 61 years and above, including customers managing multiple health conditions such as diabetes, hypertension or high BMI, subject to underwriting and eligibility requirements. It offers hospitalisation coverage up to the selected sum insured, unlimited automatic recharge for subsequent claims, cumulative...

Best For:

  • Buyers who value cumulative bonus growth and the possibility of renewal premium discounts through the wellness benefit.

  • Families seeking senior-focused coverage with individual or family floater options, subject to eligible relationships and member limits.

  • Customers looking for additional coverage through unlimited automatic recharge for multiple hospitalisation claims.

  • Older adults managing multiple co-morbidities, such as diabetes or hypertension, subject to underwriting and eligibility.

  • Senior citizens aged 61 years and above seeking health insurance with no upper adult entry-age limit.

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 Health AdvantEdge

  • Confirm whether your preferred hospitals are in the current cashless network and verify the exact terms shown in your policy schedule.

  • Compare the additional premium and limits for optional maternity, Claim Protector and other add-on benefits before selecting them.

  • Check waiting periods for pre-existing diseases and listed conditions before relying on the policy for planned treatment.

  • Review the room-rent option carefully because selecting a room above the applicable entitlement may affect the claim settlement.

  • Select the Prime, Royal or Apex tier based on your required sum insured and the options currently offered.

Care Supreme Senior Premium

  • Check the availability, cost and terms of optional benefits, including air ambulance, wellness, annual health check-ups and relevant add-ons. Renewal discounts depend on meeting the prescribed Healthy Days criteria.

  • Senior Premium has no specified treatment sub-limits in the plan comparison, unlike Senior Super. Confirm the final policy terms and any other applicable limits or exclusions.

  • The standard room category is the most economical single private AC room. Check whether the optional Room Rent Modification benefit is selected and what room eligibility it provides.

  • Pre-existing medical condition: The stated PED waiting period is 48 months. Disclose medical history accurately and confirm underwriting acceptance, exclusions and any applicable terms.

  • Co-payment on claims:tThe standard configuration has a 20% co-payment on all claims. Review the applicable option and its effect on out-of-pocket expenses before purchasing.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health AdvantEdge
Health AdvantEdge

Health Insurance Plan

Brochure

Policy Wording

VS
Supreme Senior Premium
Supreme Senior Premium

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Health AdvantEdge

Normal: Any category room; Up to Sum Insured

ICU: Up to Sum Insured

VS

Supreme Senior Premium

Most economical single private air-conditioned room; optional Room Rent Modification may change eligibility.

Advanced Treatments

Health AdvantEdge

Home care treatment, teleconsultations, domestic air ambulance, bariatric surgery, worldwide cover

VS

Supreme Senior Premium

Information Unavailable

ICU Charges

Health AdvantEdge

Eligible ICU expenses are covered within the applicable sum insured and policy limits.

VS

Supreme Senior Premium

No limit specified for ICU charges.

Co-payment

Health AdvantEdge

0% co-payment

VS

Supreme Senior Premium

20% co-payment applies to all claims under the standard configuration; optional benefit may affect this.

Disease-wise sublimits

Health AdvantEdge



VS

Supreme Senior Premium

Not applicable under the Senior Premium option, as specified for the comparison with Senior Super.

Cashless Healthcare Providers

Health AdvantEdge

Cashless treatment available at network hospitals

VS

Supreme Senior Premium

11000+ network hospitals

Restoration Benefit

Health AdvantEdge

Restore Benefit can restore up to 100% of the sum insured once in a policy year under the cited policy version, subject to the applicable claim conditions.

VS

Supreme Senior Premium

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

Daycare Treatment

Health AdvantEdge

All daycare procedures covered

VS

Supreme Senior Premium

Covered up to the sum insured, subject to policy terms.

Cumulative Bonus

Health AdvantEdge

Guaranteed Cumulative Bonus of 20% of the sum insured for an eligible claim-free year under the cited policy version; accrued bonus is not reduced by a claim, subject to policy terms.

VS

Supreme Senior Premium

50% of sum insured added on renewal, up to 100% of sum insured. Not affected by claims.

AYUSH Treatment

Health AdvantEdge

Covered up to Sum Insured

VS

Supreme Senior Premium

Covered up to the sum insured, subject to policy terms.

Consumable Cover

Health AdvantEdge

Claim Protector is available as an optional cover for eligible non-medical expenses, subject to the selected option and policy terms.

VS

Supreme Senior Premium

Not specified.

Initial Waiting Period

Health AdvantEdge

30 days for illnesses, except eligible accident-related hospitalisation.

VS

Supreme Senior Premium

30 days; accidental hospitalisation is exempt.

Specific Waiting Period

Health AdvantEdge

Generally 24 months for listed diseases and procedures, subject to the applicable wording.

VS

Supreme Senior Premium

24 months for named ailments.

PED Waiting Period

Health AdvantEdge

Generally 24 months for declared and accepted pre-existing diseases under the cited policy version; confirm the applicable plan and policy schedule.

VS

Supreme Senior Premium

48 months.

Modern Treatment

Health AdvantEdge

Listed modern treatments are covered subject to the applicable plan limits and policy wording.

VS

Supreme Senior Premium

Covered up to the sum insured, subject to policy terms.

Annual Health Checkup

Health AdvantEdge

Preventive health check-up coupons are available under the cited policy version for eligible insured adults; package and usage conditions apply.

VS

Supreme Senior Premium

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

Pre-Hospitalisation

Health AdvantEdge

Covered for the period specified in the applicable policy wording; verify the exact duration for the current UIN.

VS

Supreme Senior Premium

60 days.

Post-Hospitalisation

Health AdvantEdge

Covered for the period specified in the applicable policy wording; confirm the exact limit for the current UIN.

VS

Supreme Senior Premium

180 days.

Outpatient Department Cover (OPD Expense)

Health AdvantEdge

Not a blanket standard OPD reimbursement benefit. Optional BeFit/OPD-related cover may be available with eligible configurations.

VS

Supreme Senior Premium

Available through optional Care OPD add-on, subject to limits and co-payments.

Deductible Option

Health AdvantEdge

A voluntary deductible may be available under selected configurations; confirm the amount and terms in the policy schedule.

VS

Supreme Senior Premium

Not specified.

Coverage Options

Health AdvantEdge

Prime, Royal and Apex plan tiers, with individual and family floater options and optional benefits.

VS

Supreme Senior Premium

₹7 lakh, ₹10 lakh, ₹15 lakh and ₹25 lakh sum insured options.

Claim Settlement Ratio

Health AdvantEdge

FY 24-25: ~84%

VS

Supreme Senior Premium

99.98% FY 2024-25

Maternity Cover

Health AdvantEdge

Optional maternity benefit may cover eligible maternity expenses up to 10% of annual sum insured, capped at ₹1 lakh; newborn expenses may be covered over and above this limit, subject to policy terms.

VS

Supreme Senior Premium

Not available.

Insurance Plans Comparison

Still Confused? Get Expert Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Why Choose Our Expert Consultation?

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Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

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

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.

1-5 of 10 FAQs

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