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Insurance Plans Comparison

Care Supreme Senior Super vs ICICI Lombard Complete Health Insurance Health Shield 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 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

Complete Health Insurance Health Shield Plus Plan

Comprehensive hospitalisation cover with restoration and loyalty benefits

What Makes It Special:

Health Shield Plus is a health insurance variant under ICICI Lombard Complete Health Insurance. It offers inpatient hospitalisation, daycare treatment, AYUSH hospitalisation, listed modern treatments and an Unlimited Reset Benefit. The plan also provides a Loyalty Bonus and extended pre- and post-hospitalisation coverage, subject to the applicable terms, waiting periods,...

Best For:

  • Buyers who prefer a policy with a Loyalty Bonus that can accumulate over eligible renewals.

  • People who want extended coverage for eligible medical expenses before and after hospitalisation.

  • Buyers who value restoration of cover after eligible claims during a policy year.

  • Families looking for a shared sum insured through a family floater policy.

  • Individuals seeking health insurance with multiple sum insured options.

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 Complete Health Insurance Health Shield Plus Plan

  • If you need maternity or routine OPD benefits, compare other variants because these are not listed as standard benefits under Health Shield Plus.

  • Confirm whether the optional co-payment is selected, as it can affect the amount payable by you during a claim.

  • Check the 24-month waiting periods for pre-existing diseases and specified conditions before purchasing.

  • Review the room category applicable to your selected sum insured to understand potential out-of-pocket expenses.

  • Choose the sum insured based on your likely hospitalisation costs, financial exposure and number of insured members.

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
Complete Health Insurance Health Shield Plus Plan
Complete Health Insurance Health Shield Plus Plan

Health Insurance Plan

Brochure

Room Rent

Supreme Senior Super

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

VS

Complete Health Insurance Health Shield Plus Plan

Normal: the plan offers coverage for single private rooms for hospitalization, while ICU expenses are covered up to the sum insured without sub-limits.

ICU Charges

Supreme Senior Super

No limit specified.

VS

Complete Health Insurance Health Shield Plus Plan

Covered as per eligible hospitalisation expenses and policy limits.

Advanced Treatments

Supreme Senior Super

Information Unavailable

VS

Complete Health Insurance Health Shield Plus Plan

ICICI Health Shield Plus covers advanced medical treatments, ensuring access to modern healthcare. It includes robotic surgeries, stem cell therapy (for approved conditions), targeted cancer therapies, and other cutting-edge procedures.

Co-payment

Supreme Senior Super

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

VS

Complete Health Insurance Health Shield Plus Plan

Health Shield Plus may include a copayment clause, requiring policyholders to pay a fixed percentage of the claim amount, especially for senior citizens or specific treatments. The exact copayment percentage varies based on policy terms.

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

Complete Health Insurance Health Shield Plus Plan

Cataract treatment is limited to 10% of the sum insured, up to ₹1 lakh per eye. Other applicable limits and exclusions are governed by the policy wording.

Cashless Healthcare Providers

Supreme Senior Super

11000+

VS

Complete Health Insurance Health Shield Plus Plan

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

Complete Health Insurance Health Shield Plus Plan

Unlimited Reset Benefit for different illnesses and once for the same illness, subject to policy conditions.

Cumulative Bonus

Supreme Senior Super

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

VS

Complete Health Insurance Health Shield Plus Plan

Loyalty Bonus of 20% per year, up to 100% of the sum insured, subject to conditions.

Daycare Treatment

Supreme Senior Super

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

VS

Complete Health Insurance Health Shield Plus Plan

Covered under the policy. 

Consumable Cover

Supreme Senior Super

Not specified.

VS

Complete Health Insurance Health Shield Plus Plan

Not included as a standard benefit; Claim Protector is listed as an optional cover.

AYUSH Treatment

Supreme Senior Super

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

VS

Complete Health Insurance Health Shield Plus Plan

.

Initial Waiting Period

Supreme Senior Super

30 days, except accidental hospitalisation.

VS

Complete Health Insurance Health Shield Plus Plan

30 days for illnesses; accident-related claims are treated as per policy terms.

Specific Waiting Period

Supreme Senior Super

24 months for named ailments.

VS

Complete Health Insurance Health Shield Plus Plan

24 months for specified diseases and procedures.

PED Waiting Period

Supreme Senior Super

48 months

VS

Complete Health Insurance Health Shield Plus Plan

24 months for declared and accepted pre-existing diseases, subject to policy conditions.

Modern Treatment

Supreme Senior Super

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

VS

Complete Health Insurance Health Shield Plus Plan

Covered up to the annual sum insured for listed technological advancements and treatments, subject to policy terms.

Annual Health Checkup

Supreme Senior Super

Optional benefit; once a year for all insured members.

VS

Complete Health Insurance Health Shield Plus Plan

Preventive health check-up coupons each policy year; limits vary by sum insured.

Pre-Hospitalisation

Supreme Senior Super

60 days.

VS

Complete Health Insurance Health Shield Plus Plan

60 days.

Post-Hospitalisation

Supreme Senior Super

180 days.

VS

Complete Health Insurance Health Shield Plus Plan

180 days.

Outpatient Department Cover (OPD Expense)

Supreme Senior Super

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

VS

Complete Health Insurance Health Shield Plus Plan

Not included as a standard benefit; the listed OPD treatment cover is not available under this variant.

Deductible Option

Supreme Senior Super

Not specified.

VS

Complete Health Insurance Health Shield Plus Plan

Not included as a standard benefit; the listed OPD treatment cover is not available under this variant.

Coverage Options

Supreme Senior Super

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

VS

Complete Health Insurance Health Shield Plus Plan

Individual and family floater options, with sum insured choices from ₹5 lakh to ₹1 crore.

Claim Settlement Ratio

Supreme Senior Super

99.98% FY 2024-25

VS

Complete Health Insurance Health Shield Plus Plan

FY 24-25: 83.65%

Maternity Cover

Supreme Senior Super

Not specified.

VS

Complete Health Insurance Health Shield Plus Plan

Not available under Health Shield Plus as per the reviewed product comparison.

Insurance Plans Comparison

Still Confused? Get Expert Advice

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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

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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