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Insurance Plans Comparison

ICICI Lombard Health AdvantEdge vs Care Supreme Senior Super

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 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.

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 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.

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 Super
Supreme Senior Super

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 Super

Most economical single private AC 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 Super

Information Unavailable

ICU Charges

Health AdvantEdge

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

VS

Supreme Senior Super

No limit specified.

Co-payment

Health AdvantEdge

0% co-payment

VS

Supreme Senior Super

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

Disease-wise sublimits

Health AdvantEdge



VS

Supreme Senior Super

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

Cashless Healthcare Providers

Health AdvantEdge

Cashless treatment available at network hospitals

VS

Supreme Senior Super

11000+

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 Super

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

Daycare Treatment

Health AdvantEdge

All daycare procedures covered

VS

Supreme Senior Super

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 Super

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

AYUSH Treatment

Health AdvantEdge

Covered up to Sum Insured

VS

Supreme Senior Super

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 Super

Not specified.

Initial Waiting Period

Health AdvantEdge

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

VS

Supreme Senior Super

30 days, except accidental hospitalisation.

Specific Waiting Period

Health AdvantEdge

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

VS

Supreme Senior Super

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 Super

48 months

Modern Treatment

Health AdvantEdge

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

VS

Supreme Senior Super

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 Super

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 Super

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 Super

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 Super

Available through the 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 Super

Not specified.

Coverage Options

Health AdvantEdge

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

VS

Supreme Senior Super

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

Claim Settlement Ratio

Health AdvantEdge

FY 24-25: ~84%

VS

Supreme Senior Super

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 Super

Not specified.

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

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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