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Insurance Plans Comparison

HDFC ERGO EquiCover 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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HDFC ERGO

EquiCover

Get inpatient hospitalisation for a certified disability or for people living with HIV/AIDS, excluding anti-retroviral treatment, plus AYUSH care up to the sum insured and a 20% co-pay on every claim.

What Makes It Special:

EquiCover is an indemnity health insurance product specifically filed for applicants who are routinely declined or heavily loaded on standard plans: persons certified with not less than 40% of a specified disability under the Rights of Persons with Disabilities Act 2016 or the Mental Healthcare Act 2017, and individuals with...

Best For:

  • Families covering a dependent child with a certified disability, since children can be enrolled on an individual policy of their own

  • Buyers who want a first layer of hospitalisation cover and are willing to pay extra to remove the standard 20% co-payment

  • Applicants with one of the 21 listed disabilities — including blindness, locomotor disability, thalassemia, haemophilia, sickle cell disease, autism spectrum disorder, cerebral palsy, mental illness and Parkinson's disease

  • Individuals living with HIV/AIDS seeking in-patient hospitalisation cover for medical conditions generally

  • Persons holding a disability certificate for not less than 40% of a specified disability from a government-appointed medical board, who cannot obtain standard health cover

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

  • If you are being covered for HIV/AIDS, note that antiretroviral treatment costs are excluded, so budget for that medication separately.

  • A disability certificate from a government-appointed medical board is a condition precedent to the disability cover, so obtain and keep it before applying.

  • The sum insured is limited to ₹4 lakh or ₹5 lakh, so treat this as a base layer and consider whether a separate top-up or group cover is available to you for larger claims.

  • Room rent is capped at 1% of sum insured per day and ICU at 2%, which on a ₹5 lakh cover is ₹5,000 and ₹10,000 a day, so check those limits against room rates at the hospitals you would use.

  • Price the optional co-payment waiver before buying, because without it you bear 20% of every admissible claim — ₹1 lakh on a ₹5 lakh claim at the maximum sum insured.

  • 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

EquiCover
EquiCover

Health Insurance Plan

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

Health Insurance Plan

Brochure

Room Rent

EquiCover

Normal: Up to 1% of Sum Insured per day

ICU: Up to 2% of Sum Insured 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.

ICU Charges

EquiCover

Up to 2% of Sum Insured per day

VS

Complete Health Insurance Health Shield Plus Plan

Covered as per eligible hospitalisation expenses and policy limits.

Advanced Treatments

EquiCover

Uterine Artery Embolization (UAE)

HIFU (High Intensity Focused Ultrasound)

Balloon Sinuplasty

Deep Brain Stimulation

Oral Chemotherapy

Immunotherapy (Monoclonal Antibody Injection)

Intra Vitreal Injections

Robotic Surgeries

Stereotactic Radio Surgeries

Bronchial Thermoplasty

Vaporisation of Prostate

IONM (Intra Operative Neuro Monitoring)

Hematopoietic Stem Cell Therapy for Bone Marrow Transplant

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

EquiCover

20% Co-payment on every admissible claim

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

EquiCover

Yes — cataract treatment limited to ₹40,000 per eye per policy year; modern treatment capped at 50% of Sum Insured; emergency ground ambulance limited to ₹2,000 per hospitalisation

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.

Waiting Period

EquiCover

Initial Waiting Period: 30 Days

Pre-existing Disease Waiting Period:

  1. 24 Months for pre-existing disability
  2. 36 Months for other pre-existing conditions

Specific Disease/Procedure Waiting Period: 24 Months

VS

Complete Health Insurance Health Shield Plus Plan

Information Unavailable

Cashless Healthcare Providers

EquiCover

Cashless treatment available through network providers

VS

Complete Health Insurance Health Shield Plus Plan

10,896+ hospitals across India.

Restoration Benefit

EquiCover

Not specified — no restoration, recharge or reinstatement of sum insured is provided in the policy document

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

EquiCover

Covered

VS

Complete Health Insurance Health Shield Plus Plan

Covered under the policy. 

Cumulative Bonus

EquiCover

Not specified — no cumulative bonus or no-claim increase in sum insured is provided in the policy document

VS

Complete Health Insurance Health Shield Plus Plan

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

Consumable Cover

EquiCover

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

EquiCover

Covered up to 100% of Sum Insured

VS

Complete Health Insurance Health Shield Plus Plan

.

Initial Waiting Period

EquiCover

30 days for all claims except those resulting from an accident; not applicable after twelve months of continuous coverage

VS

Complete Health Insurance Health Shield Plus Plan

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

Specific Waiting Period

EquiCover

24 months for listed conditions and surgical procedures; not applicable to accident claims

VS

Complete Health Insurance Health Shield Plus Plan

24 months for specified diseases and procedures.

PED Waiting Period

EquiCover

24 months for the covered pre-existing disability; 36 months for other pre-existing conditions, excluding the covered disability and HIV/AIDS

VS

Complete Health Insurance Health Shield Plus Plan

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

Modern Treatment

EquiCover

Listed procedures covered up to 50% of Sum Insured, as in-patient or day care treatment

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

EquiCover

Not specified. A pre-policy check-up may be required based on age and sum insured, with 100% of the expense reimbursed on acceptance of the proposal

VS

Complete Health Insurance Health Shield Plus Plan

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

Pre-Hospitalisation

EquiCover

Information Unavailable

VS

Complete Health Insurance Health Shield Plus Plan

60 days.

Post-Hospitalisation

EquiCover

60 days from the date of discharge; claimable on a reimbursement basis only

VS

Complete Health Insurance Health Shield Plus Plan

180 days.

Outpatient Department Cover (OPD Expense)

EquiCover

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.

Deductible Option

EquiCover

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

EquiCover

Information Unavailable

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

EquiCover

97.45%

VS

Complete Health Insurance Health Shield Plus Plan

FY 24-25: 83.65%

Maternity Cover

EquiCover

Information Unavailable

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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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

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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

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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

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

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Equicover Vs Complete Health Insurance Health Shield Plus Plan

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