Insurance Plans Comparison
ICICI Lombard Health Shield 360 vs HDFC ERGO Critical Illness Silver Plan
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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Health Shield 360
Reset up to 100% of the sum insured unlimited times for a later unrelated illness, cover 90 days before hospitalisation and 180 days after, and add a 10% claim-free cumulative bonus up to 100%.
What Makes It Special:
Health Shield 360 is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.
Best For:
- Not available
VS
Critical Illness Silver Plan
Affordable lump-sum cover for 8 major critical illnesses
What Makes It Special:
The Silver Plan pays the sum insured as a single lump sum on first diagnosis of any one of 8 listed critical illnesses after the chosen survival period of 15 or 30 days, and at every age band and sum insured its premium is lower than the Platinum Plan's, which...
Best For:
Buyers topping up an existing critical illness benefit from an employer or a life insurer with additional standalone cover
Younger applicants looking to start critical illness cover early, since entry is permitted from 5 years of age
Buyers who already hold a hospitalisation policy and want a separate lump sum for income loss and non-medical costs
Buyers whose main concern is the four most common critical illness categories — heart, cancer, stroke and kidney failure
Buyers who want critical illness cover at the lowest premium within this product and accept a shorter list of covered conditions
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
Not available
Set the sum insured against the income and costs you would need to replace during treatment rather than against expected hospital bills, because the payout is a fixed benefit and not a reimbursement.
Pre-existing conditions carry a 48-month waiting period, so if you have a declared condition, weigh whether the Silver Plan's lower premium still meets your need over that delay.
The benefit is payable once, so treat this as a supplement to a hospitalisation policy and not a substitute for one.
The plan pays only on first diagnosis of a listed condition as defined in the policy, so read the severity thresholds on heart attack, cancer and stroke before assuming a diagnosis will qualify.
Compare the 8-illness list against the Platinum Plan's 15 before choosing, since the Silver Plan excludes Parkinson's disease, Alzheimer's disease, benign brain tumour, end-stage liver failure, surgery of aorta, primary pulmonary hypertension and heart valve replacement or repair.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Health Shield 360 Health Insurance Plan VS VS |
Critical Illness Silver Plan Health Insurance Plan |
| Room Rent |
|---|
Health Shield 360 Normal: No Capping (Covered up to Sum Insured) ICU: No Capping (Covered up to Sum Insured) |
VS VS |
Critical Illness Silver Plan Not applicable. |
| Advanced Treatments |
|---|
Health Shield 360 Day Care Procedures Organ Donor Expenses Home Healthcare (Optional) Air Ambulance (Optional) Worldwide Coverage (Optional) |
VS VS |
Critical Illness Silver Plan Information Unavailable |
| ICU Charges |
|---|
Health Shield 360 Information Unavailable |
VS VS |
Critical Illness Silver Plan Not applicable — hospitalisation expenses are not indemnified under this policy |
| Co-payment |
|---|
Health Shield 360 None (100% claims paid by insurer) |
VS VS |
Critical Illness Silver Plan Not applicable |
| Disease-wise sublimits |
|---|
Health Shield 360 Information Unavailable |
VS VS |
Critical Illness Silver Plan Not applicable. |
| Waiting Period |
|---|
Health Shield 360 Initial Waiting Period: 30 days Pre-existing Disease Waiting Period: 24 months |
VS VS |
Critical Illness Silver Plan Information Unavailable |
| Cashless Healthcare Providers |
|---|
Health Shield 360 6500+ network hospitals |
VS VS |
Critical Illness Silver 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 |
| Restoration Benefit |
|---|
Health Shield 360 Information Unavailable |
VS VS |
Critical Illness Silver Plan Not applicable — the benefit is payable once, on first diagnosis |
| Daycare Treatment |
|---|
Health Shield 360 Covered |
VS VS |
Critical Illness Silver Plan Not applicable |
| Cumulative Bonus |
|---|
Health Shield 360 Information Unavailable |
VS VS |
Critical Illness Silver Plan Not specified |
| AYUSH Treatment |
|---|
Health Shield 360 Covered |
VS VS |
Critical Illness Silver Plan Not applicable |
| Consumable Cover |
|---|
Health Shield 360 Information Unavailable |
VS VS |
Critical Illness Silver Plan Not applicable. |
| Initial Waiting Period |
|---|
Health Shield 360 Information Unavailable |
VS VS |
Critical Illness Silver Plan 90 days |
| Specific Waiting Period |
|---|
Health Shield 360 Information Unavailable |
VS VS |
Critical Illness Silver Plan Not specified. |
| PED Waiting Period |
|---|
Health Shield 360 Information Unavailable |
VS VS |
Critical Illness Silver Plan 48 months for all pre-existing conditions declared and/or accepted at application |
| Modern Treatment |
|---|
Health Shield 360 Information Unavailable |
VS VS |
Critical Illness Silver Plan Not applicable — this is a fixed-benefit policy paying a lump sum, not an indemnity cover for treatment costs |
| Annual Health Checkup |
|---|
Health Shield 360 Information Unavailable |
VS VS |
Critical Illness Silver 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 |
| Pre-Hospitalisation |
|---|
Health Shield 360 Information Unavailable |
VS VS |
Critical Illness Silver Plan Not applicable |
| Post-Hospitalisation |
|---|
Health Shield 360 Information Unavailable |
VS VS |
Critical Illness Silver Plan Not applicable |
| Outpatient Department Cover (OPD Expense) |
|---|
Health Shield 360 Information Unavailable |
VS VS |
Critical Illness Silver Plan Not applicable |
| Deductible Option |
|---|
Health Shield 360 Information Unavailable |
VS VS |
Critical Illness Silver Plan Not applicable |
| Coverage Options |
|---|
Health Shield 360 Information Unavailable |
VS VS |
Critical Illness Silver Plan Not specified — cover is written per insured person; no individual/floater structure is stated |
| Claim Settlement Ratio |
|---|
Health Shield 360 Information Unavailable |
VS VS |
Critical Illness Silver Plan 97% approximately |
| Maternity Cover |
|---|
Health Shield 360 Information Unavailable |
VS VS |
Critical Illness Silver Plan Not covered. |
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.
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Pure advice, no unwanted calls, no unnecessary push
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Talk to experienced advisors at no cost, and make confident decisions
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
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
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
Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs
Senior Citizen Health Plan
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
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
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.
Explore Our Most Popular Plans
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Health Shield 360 vs Mediclaim Insurance Policy
Health Shield 360 vs Special Care Gold
Health Shield 360 vs Activ One Max
Health Shield 360 vs Classic
Health Shield 360 vs Activ One Vytl
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Health Shield 360 vs Freedom
Health Shield 360 vs Sarvah Pratham
Health Shield 360 vs Joy Today
Health Shield 360 vs Medi Classic
Health Shield 360 vs Activate Booster Plan B
Health Shield 360 vs Aspire Gold+
Health Shield 360 vs Health Gain
Health Shield 360 vs Aspire Platinum+
Health Shield 360 vs Plus Complete
Health Shield 360 vs Reassure 2.0 Platinum+
Health Shield 360 vs Reassure 3.0 Elite
Health Shield 360 vs EquiCover
Health Shield 360 vs Enhance Super Top-up One
Health Shield 360 vs Joy Tomorrow
Health Shield 360 vs Reassure 3.0 Select
Health Shield 360 vs Activ One VIP+
Health Shield 360 vs Red Carpet Senior Citizens
Health Shield 360 vs Super Surplus Gold
Health Shield 360 vs Health SuperCharge
Health Shield 360 vs Medicare Premier
Health Shield 360 vs Family Health Optima
Health Shield 360 vs Health Companion Variant 2022
Health Shield 360 vs Health Companion Variant 3
Health Shield 360 vs Plus Youth
Health Shield 360 vs ProHealth Prime Advantage
Health Shield 360 vs Critical Illness Silver Plan
Health Shield 360 vs Health Premia Gold
Health Shield 360 vs Health Premia Platinum
Health Shield 360 vs Comprehensive
Health Shield 360 vs HeartBeat Enhanced
Health Shield 360 vs Reassure
Health Shield 360 vs Health Recharge Super Top Up Plan
Health Shield 360 vs myHealth Suraksha Platinum
Health Shield 360 vs Supreme Value for Money
Health Shield 360 vs Supreme Enhance Two
Health Shield 360 vs Supreme Senior Super
Health Shield 360 vs Supreme Enhance
Health Shield 360 vs Reassure 2.0 Gold
Health Shield 360 vs Active Fit Preferred
Health Shield 360 vs LifeTime Health
Health Shield 360 vs Medicare
Health Shield 360 vs ProHealth Prime Active
Health Shield 360 vs ProHealth Prime Senior Elite
Health Shield 360 vs Advanced Top Up
Health Shield 360 vs Multiplier Health
Health Shield 360 vs Ultimate (Direct)
Health Shield 360 vs Young Star
Health Shield 360 vs Star Women Care Policy
Health Shield 360 vs Family Plus
Health Shield 360 vs Sarvah Param
Health Shield 360 vs Optima Insurance
Health Shield 360 vs Smart Super Health Assure
Health Shield 360 vs Criti Shield Plus
Health Shield 360 vs Health Care Supreme Ultimo
Health Shield 360 vs Health Shield 360 Retail
Health Shield 360 vs Super Star
Health Shield 360 vs Reassure 3.0 Black
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Health Shield 360 vs Health Guard Gold
Health Shield 360 vs Elevate (Direct)
Health Shield 360 vs Senior First Platinum
Health Shield 360 vs Extra Care Plus Super Top-up
Health Shield 360 vs Health Care Supreme Smart
Health Shield 360 vs Medi Classic Gold
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Health Shield 360 vs Medicare Select
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Health Shield 360 vs Royal Sundaram Lifeline Elite
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Health Shield 360 vs HeartBeat Gold
Health Shield 360 vs Aspire Titanium+
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Health Shield 360 vs Reassure 2.0 Titanium+
Health Shield 360 vs Diabetes Safe Plan A
Health Shield 360 vs Reassure 2.0 Bronze+
Health Shield 360 vs Young Star Silver
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Critical Illness Silver Plan vs Activate Booster Plan A
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Critical Illness Silver Plan vs Active Care Premier
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Critical Illness Silver Plan vs Health Cardiac Care Silver & Gold Plan
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Critical Illness Silver Plan vs Activate Booster Plan B
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Critical Illness Silver Plan vs EquiCover
Critical Illness Silver Plan vs Enhance Super Top-up One
Critical Illness Silver Plan vs Joy Tomorrow
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Critical Illness Silver Plan vs Activ One VIP+
Critical Illness Silver Plan vs Red Carpet Senior Citizens
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Critical Illness Silver Plan vs HeartBeat Platinum
Critical Illness Silver Plan vs Supreme Enhance One
Critical Illness Silver Plan vs HeartBeat Gold
Critical Illness Silver Plan vs Aspire Titanium+
Critical Illness Silver Plan vs iHealth Plus
Critical Illness Silver Plan vs Reassure 3.0 Classic
Critical Illness Silver Plan vs Senior Health Advantage
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Critical Illness Silver Plan vs Reassure 2.0 Bronze+
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