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Insurance Plans Comparison

Care Supreme Senior Super vs ICICI Lombard Golden Shield

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

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Care

Supreme Senior Super

Senior citizen health insurance with automatic recharge and cumulative bonus benefits.

What Makes It Special:

Care Supreme Senior Super is designed for senior citizens aged 61 years and above, with individual and family floater options and multiple sum insured choices. It covers eligible hospitalisation, daycare, AYUSH treatment and specified pre- and post-hospitalisation expenses, along with unlimited automatic recharge and cumulative bonus benefits. The plan has...

Best For:

  • Customers who want access to optional wellness, health check-up or additional care benefits, subject to applicable terms.

  • Families looking to cover eligible senior members through individual or family floater options.

  • Buyers seeking cumulative bonus growth of up to 100% of the sum insured.

  • Older adults looking for coverage with unlimited automatic recharge for multiple hospitalisation claims.

  • Senior citizens aged 61 years and above seeking health insurance with lifelong adult renewability.

VS
ICICI Lombard

Golden Shield

Cover hospital care for seniors, with a twin-sharing room below ₹10 lakh and a single private AC room from ₹10 lakh, a 50% co-pay on every admissible claim, and 60 days before admission plus 180 days after discharge.

What Makes It Special:

ICICI Lombard Golden Shield is designed for senior citizens and offers hospitalisation cover through individual and family floater options. Benefits include inpatient treatment, daycare procedures, AYUSH hospitalisation, pre- and post-hospitalisation expenses, domiciliary treatment and a Reset Benefit. The policy also offers a Loyalty Bonus and optional features such as Claim...

Best For:

  • Buyers seeking additional features such as Claim Protector or Care Management Plus, subject to availability and eligibility.

  • Customers who want to evaluate options for reducing the policy's standard co-payment.

  • Buyers who want a reset feature for eligible subsequent hospitalisation claims.

  • Older couples looking for a shared family floater or individual cover options.

  • Senior citizens seeking health insurance for eligible hospitalisation expenses.

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 Super

  • Optional benefits: Check the additional cost, eligibility and conditions for wellness, air ambulance, annual health check-ups and add-on benefits.

  • Treatment sub-limits: Compare the limits for cataract, knee replacement and other specified treatments with your anticipated coverage needs.

  • Room eligibility: Review the most economical single private AC room restriction and the terms of any optional room-rent modification.

  • Waiting periods: Check the 48-month PED waiting period and 24-month specified ailment waiting period against your medical history.

  • Co-payment: Account for the standard 20% co-payment when estimating potential out-of-pocket expenses.

ICICI Lombard Golden Shield

  • Compare the disease-specific sublimits with your healthcare needs, especially for cataract, cardiovascular treatment, cancer and renal conditions.

  • Review the 24-month PED and specified-disease waiting periods, along with the separate 90-day exclusion for hypertension, diabetes and cardiac conditions.

  • Check the room category linked to your sum insured to avoid unexpected proportionate deductions.

  • Review the base 50% co-payment carefully and compare the additional premium for reducing it to 40%, 30% or 20%.

  • Select a sum insured based on expected medical expenses and confirm that the desired option is available for your age and health profile.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Supreme Senior Super
Supreme Senior Super

Health Insurance Plan

Brochure

Policy Wording

VS
Golden Shield
Golden Shield

Health Insurance Plan

Brochure

Room Rent

Supreme Senior Super

Most economical single private AC room; optional Room Rent Modification may change eligibility.

VS

Golden Shield

ICICI Lombard's Health Shield plan offers comprehensive coverage with no specific capping on room rent or ICU charges.

ICU Charges

Supreme Senior Super

No limit specified.

VS

Golden Shield

Covered under eligible inpatient hospitalisation, subject to the annual sum insured and applicable policy conditions.

Advanced Treatments

Supreme Senior Super

Information Unavailable

VS

Golden Shield

The plan covers advanced treatments like robotic surgeries, immunotherapy, oral chemotherapy, stem cell therapy, and minimally invasive procedures for various conditions.

Co-payment

Supreme Senior Super

20% applies to all claims under the stated standard configuration; an optional co-payment benefit is also referenced.

VS

Golden Shield

The ICICI Lombard Golden Shield plan includes a mandatory 50% co-payment, meaning policyholders are responsible for half of the admissible claim amount, while the insurer covers the remaining 50%. This co-payment applies to all claims made under the policy.

Disease-wise sublimits

Supreme Senior Super

Applicable to specified treatments. Limits vary by sum insured and apply per policy year, including pre- and post-hospitalisation expenses.

VS

Golden Shield

Yes. Cataract and specified cardiovascular, cerebrovascular, cancer, renal, long-bone/joint and robotic-surgery treatments have limits that vary by sum insured.

Cashless Healthcare Providers

Supreme Senior Super

11000+

VS

Golden Shield

10,896+ hospitals across India.

Restoration Benefit

Supreme Senior Super

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

VS

Golden Shield

Unlimited Reset Benefit of up to 100% of the annual sum insured for eligible subsequent claims. It does not apply to the first claim and has restrictions for the same illness or related complications.

Cumulative Bonus

Supreme Senior Super

50% of the sum insured on renewal, capped at 100% of the sum insured. Not affected by claims.

VS

Golden Shield

Loyalty Bonus accumulates under the policy's renewal rules; accrued bonus is not reduced merely because a claim is made.

Daycare Treatment

Supreme Senior Super

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

VS

Golden Shield

Covered under the policy. 

Consumable Cover

Supreme Senior Super

Not specified.

VS

Golden Shield

Claim Protector is available as an optional cover for eligible non-medical items associated with an accepted inpatient claim.

AYUSH Treatment

Supreme Senior Super

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

VS

Golden Shield

Covered under this policy

Initial Waiting Period

Supreme Senior Super

30 days, except accidental hospitalisation.

VS

Golden Shield

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

Specific Waiting Period

Supreme Senior Super

24 months for named ailments.

VS

Golden Shield

24 months for listed diseases and procedures.

PED Waiting Period

Supreme Senior Super

48 months

VS

Golden Shield

24 months of continuous coverage for declared and accepted pre-existing diseases.

Modern Treatment

Supreme Senior Super

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

VS

Golden Shield

Listed modern treatments are covered up to the annual sum insured, subject to specified sublimits.

Annual Health Checkup

Supreme Senior Super

Optional benefit; once a year for all insured members.

VS

Golden Shield

Information Unavailable

Pre-Hospitalisation

Supreme Senior Super

60 days.

VS

Golden Shield

60 days before hospitalisation, subject to policy terms and the accepted inpatient claim.

Post-Hospitalisation

Supreme Senior Super

180 days.

VS

Golden Shield

Up to 7% of hospitalisation expenses, subject to a maximum of ₹5,000 for ₹3–5 lakh sum insured, ₹7,000 for ₹10–15 lakh, and ₹10,000 for ₹20–50 lakh.

Outpatient Department Cover (OPD Expense)

Supreme Senior Super

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

VS

Golden Shield

Not included as a general standard reimbursement benefit. Outpatient consultations may be available through the optional Care Management Plus Program.

Deductible Option

Supreme Senior Super

Not specified.

VS

Golden Shield

Optional voluntary deductible of 20% of the annual sum insured, applied on an aggregate basis during the policy year.

Coverage Options

Supreme Senior Super

₹7 lakh, ₹10 lakh, ₹15 lakh and ₹25 lakh listed in the main plan-benefits table.

VS

Golden Shield

Individual or family floater; optional Claim Protector, reduced co-payment, voluntary deductible and Care Management Plus Program.

Claim Settlement Ratio

Supreme Senior Super

99.98% FY 2024-25

VS

Golden Shield

FY 24-25: ~84%

Maternity Cover

Supreme Senior Super

Not specified.

VS

Golden Shield

Not covered under this senior-citizen-focused plan.

Insurance Plans Comparison

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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

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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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