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Insurance Plans Comparison

HDFC ERGO EquiCover vs ICICI Lombard Complete Health Insurance Health Shield

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

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.

Insurance Plans Comparison

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Quick Decision Guide

HDFC ERGO EquiCover

  • 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.

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.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

EquiCover
EquiCover

Health Insurance Plan

Brochure

Policy Wording

VS
Complete Health Insurance Health Shield
Complete Health Insurance Health Shield

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

Normal: Health Shield offers room rent and ICU coverage without sub-limits, ensuring full financial support for hospitalization, including intensive care expenses.

ICU Charges

EquiCover

Up to 2% of Sum Insured per day

VS

Complete Health Insurance Health Shield

Covered under eligible inpatient hospitalisation, subject to policy terms.

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

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

Co-payment

EquiCover

20% Co-payment on every admissible claim

VS

Complete Health Insurance Health Shield

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

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

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.

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

Information Unavailable

Cashless Healthcare Providers

EquiCover

Cashless treatment available through network providers

VS

Complete Health Insurance Health Shield

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

Unlimited Reset Benefit is listed; reset does not trigger on the first claim and remains subject to illness, insured-person and other policy conditions.

Daycare Treatment

EquiCover

Covered

VS

Complete Health Insurance Health Shield

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

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.

Consumable Cover

EquiCover

Not specified

VS

Complete Health Insurance Health Shield



AYUSH Treatment

EquiCover

Covered up to 100% of Sum Insured

VS

Complete Health Insurance Health Shield

Covered under this policy

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

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

Specific Waiting Period

EquiCover

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

VS

Complete Health Insurance Health Shield

24 months for specified illnesses and treatments.

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

24 months for declared and accepted pre-existing diseases.

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

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

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

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

Pre-Hospitalisation

EquiCover

Information Unavailable

VS

Complete Health Insurance Health Shield

Up to 30 days.

Post-Hospitalisation

EquiCover

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

VS

Complete Health Insurance Health Shield

Up to 60 days.

Outpatient Department Cover (OPD Expense)

EquiCover

Not specified

VS

Complete Health Insurance Health Shield

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

Deductible Option

EquiCover

Not specified

VS

Complete Health Insurance Health Shield

Not verified in the reviewed Health Shield document.

Coverage Options

EquiCover

Information Unavailable

VS

Complete Health Insurance Health Shield

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

Claim Settlement Ratio

EquiCover

97.45%

VS

Complete Health Insurance Health Shield

FY 2024-25: 83.65%

Maternity Cover

EquiCover

Information Unavailable

VS

Complete Health Insurance Health Shield

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

Insurance Plans Comparison

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Insurance Plans Comparison

Explore Insurance Category

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Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

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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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Frequently Asked Questions (FAQs)

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