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Insurance Plans Comparison

ICICI Lombard Complete Health Insurance Health Shield vs Future Generali Health Super Saver Standard

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

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ICICI Lombard

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.

VS
Future Generali

Health Super Saver Standard

Comprehensive Health Shield with 80% Super Saver Renewal Discount

What Makes It Special:

Future Generali Health Super Saver Standard offers robust hospitalization coverage while rewarding claim-free years with up to an 80% renewal premium discount. The policy provides extensive protection including inbuilt maternity benefits, home healthcare, AYUSH treatments, extended pre-and post-hospitalization coverage, day care procedures, and access to an extensive nationwide cashless hospital...

Best For:

  • Buyers seeking flexible sum insured options ranging from ₹3 Lakhs to ₹50 Lakhs.

  • Patients requiring home healthcare services for ongoing medical treatment or post-surgical care.

  • Buyers wanting comprehensive coverage for alternative therapies like Ayurveda, Unani, Siddha, and Homeopathy.

  • Policyholders seeking inbuilt maternity coverage for delivery, pre-natal, and post-natal care.

  • Families and individuals looking to save up to 80% on renewal premiums by remaining claim-free.

Insurance Plans Comparison

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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 Complete Health Insurance Health Shield

  • 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.

Future Generali Health Super Saver Standard

  • Ensure Future Generali’s 8,400+ cashless network hospitals include convenient facilities in your location.

  • Keep in mind the 24-month waiting period for pre-existing diseases and specified medical procedures.

  • Verify room rent and specific procedure sub-limits based on your selected base plan option.

  • Ideal if you require integrated maternity benefits after a 9-month waiting period.

  • Choose this plan if you want substantial long-term savings through an 80% discount on claim-free renewal years.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Complete Health Insurance Health Shield
Complete Health Insurance Health Shield

Health Insurance Plan

Brochure

VS
Health Super Saver Standard
Health Super Saver Standard

Health Insurance Plan

Brochure

Policy Wording

Room Rent

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.

VS

Health Super Saver Standard

Room, board, and nursing expenses covered up to single private room eligibility limits.

Advanced Treatments

Complete Health Insurance Health Shield

Covers advanced treatments, including robotic surgeries, stem cell therapy, immunotherapy, and modern cancer treatments

VS

Health Super Saver Standard

Information Unavailable

ICU Charges

Complete Health Insurance Health Shield

Covered under eligible inpatient hospitalisation, subject to policy terms.

VS

Health Super Saver Standard

Fully covered as part of medically necessary hospitalisation with no specific daily capping.

Co-payment

Complete Health Insurance Health Shield

10% of copay will be applied to every admissible claim.

VS

Health Super Saver Standard

No mandatory co-payment percentage applied across entry age groups under base terms.

Disease-wise sublimits

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.

VS

Health Super Saver Standard

Applicable sub-limits for maternity, cataract, mental illness, modern treatments, and optional procedures.

Cashless Healthcare Providers

Complete Health Insurance Health Shield

10,896+ hospitals across India.

VS

Health Super Saver Standard

Cashless facility accessible across Future Generali’s empanelled nationwide network hospital list.

Restoration Benefit

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.

VS

Health Super Saver Standard

Sum insured restore options are subject to base policy terms and plan variant selection.

Daycare Treatment

Complete Health Insurance Health Shield

Covered under the policy. 

VS

Health Super Saver Standard

Over 400 specified medical and surgical procedures requiring less than 24 hours hospitalisation covered.dis

Cumulative Bonus

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.

VS

Health Super Saver Standard

Replaced by Super Saver Discount offering an 80% renewal premium discount for claim-free tenures.

AYUSH Treatment

Complete Health Insurance Health Shield

Covered under this policy

VS

Health Super Saver Standard

Inpatient hospitalisation covered under Ayurveda, Unani, Siddha, or Homeopathy in recognized government institutes.

Consumable Cover

Complete Health Insurance Health Shield



VS

Health Super Saver Standard

Non-medical consumable items specified in policy exclusions are not covered under base policy.

Initial Waiting Period

Complete Health Insurance Health Shield

30 days for illnesses; injury-related hospitalisation is excepted.

VS

Health Super Saver Standard

30 days initial waiting period applies for all illnesses except accidental injuries.

Specific Waiting Period

Complete Health Insurance Health Shield

24 months for specified illnesses and treatments.

VS

Health Super Saver Standard

24 months for specified conditions; 48 months for joint replacements due to degenerative conditions.

PED Waiting Period

Complete Health Insurance Health Shield

24 months for declared and accepted pre-existing diseases.

VS

Health Super Saver Standard

24 months waiting period for pre-existing diseases and their direct medical complications.

Modern Treatment

Complete Health Insurance Health Shield

Not verified as a separately defined benefit in the reviewed Health Shield document.

VS

Health Super Saver Standard

Restricted to 50% of the Sum Insured per policy period for listed modern procedures.

Annual Health Checkup

Complete Health Insurance Health Shield

Health-check-up coupon each policy year, up to 2 coupons per year for floater policies.

VS

Health Super Saver Standard

Available annually for insured members as per eligible benefit structure and plan options.

Pre-Hospitalisation

Complete Health Insurance Health Shield

Up to 30 days.

VS

Health Super Saver Standard

Medical expenses covered up to 60 days immediately prior to hospital admission.

Post-Hospitalisation

Complete Health Insurance Health Shield

Up to 60 days.

VS

Health Super Saver Standard

Medical expenses covered up to 90 days immediately following hospital discharge date.

Outpatient Department Cover (OPD Expense)

Complete Health Insurance Health Shield

Wellness points may be redeemable for eligible outpatient expenses; a fixed comprehensive OPD limit was not verified.

VS

Health Super Saver Standard

Outpatient medical and diagnostic procedures are excluded under standard inpatient base coverage.

Deductible Option

Complete Health Insurance Health Shield

Not verified in the reviewed Health Shield document.

VS

Health Super Saver Standard

Voluntary deductible options are not part of the standard policy base structure.

Coverage Options

Complete Health Insurance Health Shield

Individual or family floater; listed sum insured options from ₹3 lakh to ₹50 lakh.

VS

Health Super Saver Standard

Available under both Individual and Family Floater sum insured policy options.

Claim Settlement Ratio

Complete Health Insurance Health Shield

FY 2024-25: 83.65%

VS

Health Super Saver Standard

Supported by Future Generali India Insurance's established claim processing performance track record.

Maternity Cover

Complete Health Insurance Health Shield

Excluded under the reviewed policy wording, except for stated policy exceptions such as ectopic pregnancy.

VS

Health Super Saver Standard

Covered after a 9-month waiting period, subject to sub-limits based on plan options.

Insurance Plans Comparison

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Why Choose Our Expert Consultation?

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Talk to experienced advisors at no cost, and make confident decisions

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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

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.

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