Insurance Plans Comparison
Care Supreme Super Saver 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...
Read moreSupreme Super Saver
Care Supreme Super Saver offers health insurance coverage with unlimited automatic recharge, cumulative bonus options, modern treatment coverage and wellness benefits, subject to the selected benefits and policy terms.
What Makes It Special:
Care Supreme Super Saver offers health insurance coverage for individuals and families, with benefits including hospitalisation, daycare procedures, modern treatments, AYUSH treatment, domiciliary hospitalisation and unlimited automatic recharge. Customers can also choose eligible optional benefits for enhanced cumulative bonuses, non-payable hospital expense coverage, OPD consultations and modifications to the pre-existing...
Best For:
Individuals looking for optional OPD consultations and wellness benefits.
Customers interested in optional coverage for listed non-payable hospital expenses.
People who want to build additional coverage through cumulative bonus benefits.
Customers looking for unlimited automatic recharge for eligible medical claims.
Individuals and families seeking comprehensive hospitalisation coverage.
VS
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
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Quick Decision Guide
Understand renewal discounts: Check the healthy-day requirements and other conditions that determine eligibility for wellness-linked renewal discounts.
Evaluate optional benefits: Compare the cost and coverage of OPD, Claim Shield, wellness benefits and other available add-ons.
Review waiting periods: Consider the initial, named-ailment and pre-existing disease waiting periods.
Compare bonus options: Understand the standard cumulative bonus and optional enhancements before choosing.
Choose your sum insured: Compare available coverage amounts against your healthcare needs, family size and budget.
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 Super Saver Health Insurance Plan VS VS |
![]() Complete Health Insurance Health Shield Health Insurance Plan |
| Room Rent |
|---|
Supreme Super Saver Room rent is covered up to the sum insured, subject to the policy’s room eligibility and applicable terms. |
VS 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 Super Saver ICU expenses are covered up to the sum insured, subject to the applicable policy terms. |
VS VS |
Complete Health Insurance Health Shield Covered under eligible inpatient hospitalisation, subject to policy terms. |
| Advanced Treatments |
|---|
Supreme Super Saver Information Unavailable |
VS VS |
Complete Health Insurance Health Shield Covers advanced treatments, including robotic surgeries, stem cell therapy, immunotherapy, and modern cancer treatments |
| Disease-wise sublimits |
|---|
Supreme Super Saver No sublimits on modern or conventional treatments. Individual treatments and claims remain subject to policy exclusions, definitions and other applicable conditions. |
VS 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. |
| Co-payment |
|---|
Supreme Super Saver Optional Care OPD has specified co-payments: 10% for general physician consultations under one listed option and 5% for specialist consultations under that option. Check the selected policy schedule for any other applicable co-payment. |
VS VS |
Complete Health Insurance Health Shield 10% of copay will be applied to every admissible claim. |
| Cashless Healthcare Providers |
|---|
Supreme Super Saver Cashless treatment is available at eligible network hospitals, subject to network participation, pre-authorisation and policy terms. |
VS VS |
Complete Health Insurance Health Shield 10,896+ hospitals across India. |
| Restoration Benefit |
|---|
Supreme Super Saver Unlimited Automatic Recharge is available for related and unrelated illnesses, including repeated use for the same illness, subject to policy terms. |
VS 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 Super Saver Standard cumulative bonus: 50% of the sum insured per year, up to a maximum of 100% of the sum insured. The accumulated bonus does not reduce due to claims, subject to policy conditions. The optional Cumulative Bonus Super can increase the bonus by up to 100% of the sum insured per year, up to 500%. |
VS 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 Super Saver All eligible daycare procedures are covered up to the sum insured, subject to policy terms. |
VS VS |
Complete Health Insurance Health Shield Covered under the policy. |
| Consumable Cover |
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Supreme Super Saver The optional Claim Shield benefit covers expenses relating to 68 listed non-payable items during hospitalisation. Claim Shield+ offers a broader list of eligible non-payable items under the applicable add-on terms. These benefits are optional and subject to additional premium. |
VS VS |
Complete Health Insurance Health Shield |
| AYUSH Treatment |
|---|
Supreme Super Saver Eligible AYUSH treatment is covered up to 100% of the sum insured, subject to policy terms. |
VS VS |
Complete Health Insurance Health Shield Covered under this policy |
| Initial Waiting Period |
|---|
Supreme Super Saver 30 days from policy inception for illnesses. This waiting period does not apply to eligible accident-related claims. |
VS VS |
Complete Health Insurance Health Shield 30 days for illnesses; injury-related hospitalisation is excepted. |
| Specific Waiting Period |
|---|
Supreme Super Saver 24 months for named ailments, subject to the policy’s list of covered conditions and applicable exceptions. |
VS VS |
Complete Health Insurance Health Shield 24 months for specified illnesses and treatments. |
| PED Waiting Period |
|---|
Supreme Super Saver 36 months for pre-existing diseases under the standard waiting-period terms. The optional Modification of PED Waiting Period can reduce this to 1 or 2 years, as selected and accepted under the policy. |
VS VS |
Complete Health Insurance Health Shield 24 months for declared and accepted pre-existing diseases. |
| Modern Treatment |
|---|
Supreme Super Saver Covers eligible modern and conventional treatments up to the sum insured, with no sublimits stated for these treatments in the brochure, subject to policy terms. |
VS VS |
Complete Health Insurance Health Shield Not verified as a separately defined benefit in the reviewed Health Shield document. |
| Annual Health Checkup |
|---|
Supreme Super Saver One health check-up per insured person per policy year, subject to the policy terms. |
VS 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 Super Saver Eligible medical expenses incurred up to 60 days before hospitalisation are covered, subject to policy conditions. |
VS VS |
Complete Health Insurance Health Shield Up to 30 days. |
| Post-Hospitalisation |
|---|
Supreme Super Saver Eligible post-hospitalisation medical expenses are covered for up to 180 days after discharge, subject to policy conditions. |
VS VS |
Complete Health Insurance Health Shield Up to 60 days. |
| Outpatient Department Cover (OPD Expense) |
|---|
Supreme Super Saver Care OPD is an optional add-on policy. Depending on the applicable option and zone, it provides up to four physical consultations with a general physician and up to four consultations with specified specialists per insured person per policy year, subject to consultation limits and co-payments. |
VS 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 Super Saver A standard deductible option is not specified in the uploaded brochure. Review the current quote and policy schedule for any applicable deductible. |
VS VS |
Complete Health Insurance Health Shield Not verified in the reviewed Health Shield document. |
| Coverage Options |
|---|
Supreme Super Saver Individual cover for up to 6 persons or family floater cover for up to 2 adults and 2 children, subject to eligibility. |
VS VS |
Complete Health Insurance Health Shield Individual or family floater; listed sum insured options from ₹3 lakh to ₹50 lakh. |
| Claim Settlement Ratio |
|---|
Supreme Super Saver Use Care Health Insurance’s verified insurer-level claim settlement ratio for the relevant financial year. |
VS VS |
Complete Health Insurance Health Shield FY 2024-25: 83.65% |
| Maternity Cover |
|---|
Supreme Super Saver Maternity expenses are not listed as a standard base benefit in the brochure. Certain services or discounts may be available through optional Care OPD or network wellness services, but these should not be treated as maternity insurance coverage. |
VS 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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