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Insurance Plans Comparison

Care Supreme Senior Premium vs ICICI Lombard Complete Health Insurance Health Protect 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 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.

VS
ICICI Lombard

Complete Health Insurance Health Protect Plus Plan

Cover maternity, a newborn and outpatient treatment together with hospital daily cash and a convalescence benefit, and reset up to 100% of the sum insured once in a policy year for a later unrelated illness.

What Makes It Special:

Health Protect Plus is a plan under ICICI Lombard Complete Health Insurance that combines inpatient hospitalisation cover with eligible daycare procedures, inpatient AYUSH treatment, pre- and post-hospitalisation expenses, and a reset benefit. The plan-specific Key Information Sheet also lists maternity cover after a 36-month waiting period, newborn baby cover following...

Best For:

  • Customers comparing hospitalisation benefits with optional critical illness, donor expense or personal accident covers.

  • Buyers who value a limited combined allowance for outpatient treatment and wellness expenses.

  • Policyholders who want a reset benefit after eligible use of the sum insured.

  • Eligible couples seeking maternity benefits with a three-year waiting period and defined delivery limits.

  • Buyers looking for inpatient hospitalisation and eligible daycare treatment cover.

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 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.

ICICI Lombard Complete Health Insurance Health Protect Plus Plan

  • Confirm which optional covers have actually been selected and paid for; critical illness, donor expenses and personal accident cover should not be assumed to be included automatically.

  • Treat the ₹5,000 outpatient and wellness allowance as a combined floater limit, not a separate limit for each benefit.

  • Review the cataract sub-limit carefully, as the applicable limit depends on the selected sum insured.

  • If maternity cover matters, check the 36-month waiting period, the requirement for both spouses to be insured and the delivery-related sub-limits.

  • Verify the sum insured and room-rent limits in the policy schedule before comparing premiums or coverage.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Supreme Senior Premium
Supreme Senior Premium

Health Insurance Plan

Brochure

Policy Wording

VS
Complete Health Insurance Health Protect Plus Plan
Complete Health Insurance Health Protect Plus Plan

Health Insurance Plan

Brochure

Room Rent

Supreme Senior Premium

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

VS

Complete Health Insurance Health Protect Plus Plan

ICICI Health Protect Plus offers coverage for room rent, including both normal and ICU hospitalization, without any sub-limits.

ICU Charges

Supreme Senior Premium

No limit specified for ICU charges.

VS

Complete Health Insurance Health Protect Plus Plan

Covered under inpatient treatment, subject to applicable policy terms and limits.

Advanced Treatments

Supreme Senior Premium

Information Unavailable

VS

Complete Health Insurance Health Protect Plus Plan

Covers advanced treatments, including robotic surgeries, stem cell therapy (if medically necessary), oral chemotherapy, and modern procedures like targeted therapy.

Co-payment

Supreme Senior Premium

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

VS

Complete Health Insurance Health Protect Plus Plan

Does not have a mandatory co-payment for most treatments. However, co-payment may apply for senior citizens or specific medical conditions as per policy terms.

Disease-wise sublimits

Supreme Senior Premium

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

VS

Complete Health Insurance Health Protect Plus Plan

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.

Restoration Benefit

Supreme Senior Premium

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

VS

Complete Health Insurance Health Protect Plus Plan

Reset Benefit restores up to 100% of sum insured once per policy year, subject to policy conditions; it does not trigger on the first claim.

Cashless Healthcare Providers

Supreme Senior Premium

11000+ network hospitals

VS

Complete Health Insurance Health Protect Plus Plan

10,896+ hospitals across india 

Daycare Treatment

Supreme Senior Premium

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

VS

Complete Health Insurance Health Protect Plus Plan

Covered under the policy. 

Cumulative Bonus

Supreme Senior Premium

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

VS

Complete Health Insurance Health Protect Plus Plan

10% of annual sum insured per claim-free year, up to 50%; a claim can reduce accrued bonus by 10% of annual sum insured at renewal.

AYUSH Treatment

Supreme Senior Premium

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

VS

Complete Health Insurance Health Protect Plus Plan

Covered under this policy

Consumable Cover

Supreme Senior Premium

Not specified.

VS

Complete Health Insurance Health Protect Plus Plan

No separate consumables benefit verified in the available plan-specific information.

Initial Waiting Period

Supreme Senior Premium

30 days; accidental hospitalisation is exempt.

VS

Complete Health Insurance Health Protect Plus Plan

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

Specific Waiting Period

Supreme Senior Premium

24 months for named ailments.

VS

Complete Health Insurance Health Protect Plus Plan

24 months for specified illnesses and treatments.

PED Waiting Period

Supreme Senior Premium

48 months.

VS

Complete Health Insurance Health Protect Plus Plan

24 months of continuous coverage.

Modern Treatment

Supreme Senior Premium

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

VS

Complete Health Insurance Health Protect Plus Plan

Not verified in the available Health Protect Plus Key Information Sheet.

Annual Health Checkup

Supreme Senior Premium

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

VS

Complete Health Insurance Health Protect Plus Plan

Free health-check-up coupon each policy year, subject to a maximum of 2 coupons annually for floater policies.

Pre-Hospitalisation

Supreme Senior Premium

60 days.

VS

Complete Health Insurance Health Protect Plus Plan

Up to 30 days.

Post-Hospitalisation

Supreme Senior Premium

180 days.

VS

Complete Health Insurance Health Protect Plus Plan

Up to 60 days.

Outpatient Department Cover (OPD Expense)

Supreme Senior Premium

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

VS

Complete Health Insurance Health Protect Plus Plan

Included with Wellness & Preventive Healthcare within a combined ₹5,000 floater limit.

Deductible Option

Supreme Senior Premium

Not specified.

VS

Complete Health Insurance Health Protect Plus Plan

Not verified in the available plan-specific information.

Coverage Options

Supreme Senior Premium

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

VS

Complete Health Insurance Health Protect Plus Plan

Individual or floater structure; exact sum insured choices require verification from the applicable schedule.

Claim Settlement Ratio

Supreme Senior Premium

99.98% FY 2024-25

VS

Complete Health Insurance Health Protect Plus Plan

Not verified against a current, comparable insurer-level CSR disclosure.

Maternity Cover

Supreme Senior Premium

Not available.

VS

Complete Health Insurance Health Protect Plus Plan

Available after 36 months: normal delivery ₹15,000; caesarean delivery ₹25,000; pre- and post-natal expenses ₹2,000 each, subject to eligibility conditions.

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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Free 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

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.

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