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Insurance Plans Comparison

HDFC ERGO Critical Illness Platinum Plan vs ICICI Lombard Criti Shield Family Shield

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

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HDFC ERGO

Critical Illness Platinum Plan

Lump-sum payout on first diagnosis of any of 15 critical illnesses

What Makes It Special:

The Platinum Plan pays the sum insured as a single lump sum on first diagnosis of any one of 15 listed critical illnesses after the chosen survival period of 15 or 30 days, and because the money is paid as a benefit rather than against hospital bills it can be...

Best For:

  • Buyers who prefer a benefit paid on diagnosis rather than one requiring hospital bills and cashless authorisation

  • Younger applicants looking to lock in cover early, since entry is permitted from 5 years of age

  • Buyers who want a wider critical illness list than a basic plan, including Parkinson's disease, Alzheimer's disease, benign brain tumour and end-stage liver failure

  • Sole earners whose household would face a sustained income gap if they were diagnosed with cancer, a heart condition or a neurological illness

  • Buyers who already hold a hospitalisation policy and want a separate lump sum to cover income loss and non-medical costs during a serious illness

VS
ICICI Lombard

Criti Shield Family Shield

Cover hospitalisation for specified infectious diseases, including listed vector-borne illnesses such as dengue and malaria, and personal accident benefits for death, disablement and accidental hospital treatment.

What Makes It Special:

ICICI Lombard Family Shield combines defined benefits for specified infectious diseases with personal accident and hospital daily cash benefits. Coverage includes selected vector-borne, viral, gastrointestinal and nervous system infections, along with rabies and tetanus. Additional benefits may be available depending on the options selected and the policy certificate.

Best For:

  • Customers who understand that this is a benefit-specific policy and not a substitute for comprehensive hospitalisation insurance.

  • Buyers who want to explore optional benefits such as broken bones or burns cover.

  • People who value fixed hospital daily cash benefits where selected.

  • Families seeking additional financial protection against eligible accidental injuries.

  • Buyers looking for defined benefits for specified infectious diseases.

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

  • Set the sum insured against the income and costs you would need to replace over a treatment period, not against hospital bills, since the payout is a fixed benefit rather than a reimbursement.

  • Pre-existing conditions carry a 48-month waiting period, so if you have a declared condition, factor that delay into whether the cover meets your need.

  • Choose the survival period deliberately: the quoted premiums are based on 30 days, and the 15-day option changes the price.

  • The benefit is paid once, so treat this as a supplement to a hospitalisation policy rather than a replacement for one.

  • This plan pays only on first diagnosis of one of the 15 listed conditions as defined in the policy, so read those definitions — including the severity thresholds on heart attack, cancer and stroke — before assuming a diagnosis will qualify.

  • If you need broad coverage for unrelated illnesses, surgeries and hospital bills, compare this policy with a comprehensive indemnity-based health insurance plan.

  • Review waiting periods carefully, particularly the 30-day waiting period for infectious disease benefits and the pre-existing disease restriction applicable to hospital daily cash benefits.

  • Review the personal accident benefit amounts and definitions of disability before relying on the policy for accident protection.

  • Confirm whether hospital daily cash benefits are included and check the applicable daily limits and eligibility conditions.

  • Check the list of covered infections and their claim requirements to confirm that the policy addresses your priorities.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Critical Illness Platinum Plan
Critical Illness Platinum Plan

Health Insurance Plan

VS
Criti Shield Family Shield
Criti Shield Family Shield

Health Insurance Plan

Room Rent

Critical Illness Platinum Plan

Not applicable.

VS

Criti Shield Family Shield

  1. Normal: Covered Up to Sum Insured
  2. ICU: Covered Up to Sum Insured
ICU Charges

Critical Illness Platinum Plan

Not applicable — hospitalisation expenses are not indemnified under this policy

VS

Criti Shield Family Shield

ICU-related cash benefits may be available under selected hospital cash benefits; limits depend on the policy certificate.

Advanced Treatments

Critical Illness Platinum Plan

Information Unavailable

VS

Criti Shield Family Shield

  1. Oral Chemotherapy 
  2. Robotic Surgeries 
  3. Stem Cell Therapy 
Co-payment

Critical Illness Platinum Plan

Not specified.

VS

Criti Shield Family Shield

Co payment is applicable as chosen by the insured. 

It allows the insured to opt for 10% or 20% co-payment.

Disease-wise sublimits

Critical Illness Platinum Plan

Not applicable.

VS

Criti Shield Family Shield

Benefits are defined for specified infections and accident-related events; applicable limits are benefit-specific and should be confirmed in the policy certificate.

Cashless Healthcare Providers

Critical Illness Platinum Plan

16,000 cashless healthcare providers (insurer-level, as of August 2025). Cashless hospitalisation is not the mechanism of this policy, which pays a lump sum on diagnosis

VS

Criti Shield Family Shield

10,000+ Healthcare Providers

Restoration Benefit

Critical Illness Platinum Plan

Not applicable.

VS

Criti Shield Family Shield

No restoration benefit verified.

Cumulative Bonus

Critical Illness Platinum Plan

Not specified

VS

Criti Shield Family Shield

No cumulative bonus benefit verified. The published brochure lists a 5% renewal discount and a family discount of up to 7.5%.

Daycare Treatment

Critical Illness Platinum Plan

Not applicable.

VS

Criti Shield Family Shield

Covers medical procedures requiring hospitalization for less than 24 hours, such as cataract surgery or chemotherapy​

Consumable Cover

Critical Illness Platinum Plan

Not applicable — no itemised hospitalisation expenses are reimbursed

VS

Criti Shield Family Shield

Not specified.

AYUSH Treatment

Critical Illness Platinum Plan

Not applicable.

VS

Criti Shield Family Shield

.

Initial Waiting Period

Critical Illness Platinum Plan

90 days for all claims

VS

Criti Shield Family Shield

30 days for specific infectious disease and hospital daily cash benefits; 0 days for personal accident benefits, as stated in the published brochure.

Specific Waiting Period

Critical Illness Platinum Plan

Not specified.

VS

Criti Shield Family Shield

30 days for specific infectious disease benefits.

PED Waiting Period

Critical Illness Platinum Plan

48 months for all pre-existing conditions declared and/or accepted at application

VS

Criti Shield Family Shield

Two-year pre-existing disease restriction specified for Hospital Daily Cash Benefit; applicability to other benefits must be checked in the policy wording.

Modern Treatment

Critical Illness Platinum Plan

Not applicable — this is a fixed-benefit policy paying a lump sum, not an indemnity cover for treatment costs

VS

Criti Shield Family Shield

Not specified as a standalone benefit in the reviewed product information.

Annual Health Checkup

Critical Illness Platinum Plan

Not specified. A pre-policy medical check may be required based on age and sum insured. 50% of standard medical test charges is reimbursed if conducted at an empanelled diagnostic centre, subject to acceptance of the proposal and policy issuance.

VS

Criti Shield Family Shield

Not specified.

Pre-Hospitalisation

Critical Illness Platinum Plan

Not applicable.

VS

Criti Shield Family Shield

Accidental pre-hospitalisation expenses may be covered under the applicable accident benefit; a general time limit was not verified.

Post-Hospitalisation

Critical Illness Platinum Plan

Not applicable.

VS

Criti Shield Family Shield

Accidental pre- and post-hospitalisation expenses may be covered under the applicable accident benefit; a general post-hospitalisation limit was not verified.

Outpatient Department Cover (OPD Expense)

Critical Illness Platinum Plan

Not applicable.

VS

Criti Shield Family Shield

No general OPD benefit verified. Accident-related diagnostic tests may be covered under the applicable benefit.

Deductible Option

Critical Illness Platinum Plan

Not applicable.

VS

Criti Shield Family Shield

Any deductible or loss-sharing provision must be confirmed in the policy certificate.

Coverage Options

Critical Illness Platinum Plan

Cover is written per insured person. No individual/floater structure is stated.

VS

Criti Shield Family Shield

Specific infectious disease benefits, personal accident benefits, hospital daily cash benefits and selected additional benefits.

Claim Settlement Ratio

Critical Illness Platinum Plan

Approximately 97%

VS

Criti Shield Family Shield

FY 2024-25: ~84%


Maternity Cover

Critical Illness Platinum Plan

Not covered.

VS

Criti Shield Family Shield

Maternity and pregnancy-termination expenses are listed among exclusions.

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Still Confused? Get Expert Advice

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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

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  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

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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

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Critical Illness Platinum Plan Vs Criti Shield Family Shield

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