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Insurance Plans Comparison

Digit Arogya Sanjeevani 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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Digit

Arogya Sanjeevani

Cover hospitalisation with a 5% co-pay on every admissible claim, cap room rent at 2% of the sum insured up to ₹5,000 a day, and add a 5% cumulative bonus each claim-free year up to 50%.

What Makes It Special:

Arogya Sanjeevani is a Niva Bupa standard health plan with a sum insured of ₹1 lakh to ₹5 lakh, AYUSH and modern treatment cover, and a 15-day free-look period. It excludes maternity and carries a 5% co-payment on each claim. It provides in-patient hospitalisation cover on an individual or family...

Best For:

  • Buyers who want AYUSH and modern treatment cover

  • Buyers who do not need maternity or OPD cover

  • Families who want a floater with parents and children under one policy

  • Buyers who want basic in-patient cover at an affordable premium

  • First-time health insurance buyers

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

  • Call 1860-500-8888 to confirm room rent limits and the current network before buying.

  • Confirm the waiting periods and any cataract sublimit on your policy schedule before buying.

  • The sum insured is capped at ₹5 lakh, so check whether it covers your expected treatment costs.

  • A 5% co-payment applies to each claim, so factor that into your out-of-pocket costs.

  • Maternity is excluded, so choose another plan if you need it.

  • 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

Arogya Sanjeevani
Arogya Sanjeevani

Health Insurance Plan

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

Health Insurance Plan

Brochure

Room Rent

Arogya Sanjeevani

  1. Normal:  Covered up to 2% of the sum insured, with a maximum limit of ₹5,000 per day.

     

  2. ICU: Covered up to 5% of the sum insured, with a maximum limit of ₹10,000 per day​.
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.

Advanced Treatments

Arogya Sanjeevani

  1. Uterine Artery Embolization and HIFU (High intensity focused ultrasound) 
  2. Balloon Sinuplasty
  3. Deep Brain stimulation 
  4. Oral chemotherapy 
  5. Immunotherapy - Monoclonal Antibody to be given as injection 
  6. Intra vitreal injections 
  7. Robotic surgeries 
  8. Stereotactic radio surgeries 
  9. Bronchical Thermoplasty
  10. Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
  11. IONM - (Intra Operative Neuro Monitoring) 
  12. Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered up to 50% of sum insured.
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.

ICU Charges

Arogya Sanjeevani

Covered as part of in-patient hospitalisation, up to the sum insured. Confirm any room or ICU limit on the policy schedule, or with 1860-500-8888.

VS

Complete Health Insurance Health Shield Plus Plan

Covered as per eligible hospitalisation expenses and policy limits.

Co-payment

Arogya Sanjeevani

5% co-payment is applicable to all claims, meaning the policyholder must bear 5% of the admissible claim amount​.

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

Arogya Sanjeevani

A cataract sublimit may apply. The standard product in other insurers’ versions caps cataract at 25% of the sum insured or ₹40,000, whichever is lower. Confirm Niva Bupa’s sublimits on the policy schedule, or with 1860-500-8888.

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

Arogya Sanjeevani

Access to over 16,400 cashless network hospitals across India. 

VS

Complete Health Insurance Health Shield Plus Plan

10,896+ hospitals across India.

Restoration Benefit

Arogya Sanjeevani

Kindly refer to the policy wording.

VS

Complete Health Insurance Health Shield Plus Plan

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

Daycare Treatment

Arogya Sanjeevani

Covers medical procedures requiring hospitalization for less than 24 hours, such as cataract surgery, chemotherapy, and dialysis, when conducted in a recognized hospital​.

VS

Complete Health Insurance Health Shield Plus Plan

Covered under the policy. 

Cumulative Bonus

Arogya Sanjeevani

Kindly refer to the policy wording.

VS

Complete Health Insurance Health Shield Plus Plan

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

AYUSH Treatment

Arogya Sanjeevani

Covers Ayurveda, Yoga, Unani, Siddha, and Homeopathy (AYUSH) inpatient treatments up to the sum insured, provided the treatment is taken at an AYUSH-recognized hospital​.

VS

Complete Health Insurance Health Shield Plus Plan

.

Consumable Cover

Arogya Sanjeevani

Kindly refer to the policy wording. Confirm with Niva Bupa on 1860-500-8888.

VS

Complete Health Insurance Health Shield Plus Plan

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

Initial Waiting Period

Arogya Sanjeevani

30 days from inception, except for accidents

VS

Complete Health Insurance Health Shield Plus Plan

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

Specific Waiting Period

Arogya Sanjeevani

Kindly refer to the policy wording.

VS

Complete Health Insurance Health Shield Plus Plan

24 months for specified diseases and procedures.

PED Waiting Period

Arogya Sanjeevani

Up to 48 months under the IRDAI standard. Confirm on the policy schedule, or with 1860-500-8888.

VS

Complete Health Insurance Health Shield Plus Plan

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

Modern Treatment

Arogya Sanjeevani

Covered up to 50% of the sum insured, including robotic surgery and oral chemotherapy (BankBazaar). Confirm the limit on the policy schedule.

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

Arogya Sanjeevani

Kindly refer to the policy wording. Confirm with Niva Bupa on 1860-500-8888.

VS

Complete Health Insurance Health Shield Plus Plan

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

Pre-Hospitalisation

Arogya Sanjeevani

Up to 30 days before admission under the IRDAI standard product. Confirm on the policy schedule, or with 1860-500-8888.

VS

Complete Health Insurance Health Shield Plus Plan

60 days.

Post-Hospitalisation

Arogya Sanjeevani

Up to 60 days after discharge under the IRDAI standard product. Confirm on the policy schedule, or with 1860-500-8888.

VS

Complete Health Insurance Health Shield Plus Plan

180 days.

Outpatient Department Cover (OPD Expense)

Arogya Sanjeevani

Not covered (not listed in the standard product’s benefits)

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

Arogya Sanjeevani

kindly refer to the policy wording.

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

Arogya Sanjeevani

Individual or family floater, within the ₹1 lakh to ₹5 lakh sum insured range

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

Arogya Sanjeevani

Claim Settlement Ratio (CSR) of 93.3% as a three-year IRDAI weighted average, and 95.6% in recent quarterly company disclosures (Q1 FY 2026-27).

VS

Complete Health Insurance Health Shield Plus Plan

FY 24-25: 83.65%

Maternity Cover

Arogya Sanjeevani

Not covered. Maternity expenses are excluded.

VS

Complete Health Insurance Health Shield Plus Plan

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

Insurance Plans Comparison

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  • Tailored for seniors healthcare needs

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  • One policy covers the entire family

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Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

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