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Insurance Plans Comparison

HDFC ERGO myHealth Medisure Super Top-up 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

myHealth Medisure Super Top-up

A super top-up that pays eligible hospitalisation costs only after your aggregate deductible is met, with no sub-limit on room rent or ICU and cover for day care procedures.

What Makes It Special:

my:health Koti Suraksha delivers a ₹1 crore sum insured at a lower premium by accepting three restrictions in the base cover — a room category capped at a Single Standard AC Room, a ₹75,000 sub-limit on eight common procedures, and a mandatory 20% co-payment for lives with a pre-existing disease...

Best For:

  • Buyers prepared to pay for the waiver covers so a ₹1 crore cover works without room, procedure or co-payment restrictions

  • Buyers who already hold a base policy and can take the aggregate deductible to reduce premium further

  • Buyers in Tier 2 cities where a Single Standard AC Room is likely to fall within or close to the plan's room entitlement

  • Families wanting a wide relationship list on one individual sum insured policy, extending to siblings, in-laws, grandparents, nieces and nephews

  • Buyers who want a very high sum insured for catastrophic illness and are willing to accept caps on routine, lower-cost procedures

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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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

  • The room entitlement is a Single Standard AC Room rather than a percentage of sum insured, so check what that category means at the hospitals you would use, since exceeding it can trigger deductions.

  • Opting for the aggregate deductible removes both the Cumulative Bonus and the Sum Insured Rebound, so weigh the premium saved against losing those two benefits.

  • If anyone insured is entering above age 60 or has a declared pre-existing disease, a 20% co-payment applies, so check whether the Waiver of Co-Payment costs less than the share you would otherwise bear.

  • The ₹75,000 sub-limit covers eight of the most commonly claimed procedures, including cataract, hernia and hysterectomy, so if these are a realistic prospect for anyone insured, the Waiver of Disease Capping is likely to matter more than the sum insured.

  • Price all three waiver covers — room rent, disease capping and co-payment — before comparing this plan against a conventional ₹1 crore policy, because the headline premium reflects the restrictions, not the unrestricted cover.

  • 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

myHealth Medisure Super Top-up
myHealth Medisure Super Top-up

Health Insurance Plan

Brochure

VS
Complete Health Insurance Health Shield
Complete Health Insurance Health Shield

Health Insurance Plan

Brochure

Room Rent

myHealth Medisure Super Top-up

  1. Normal: Single A/C private room
  2. ICU: no limit, expenses incurred will be covered by the insurance
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

myHealth Medisure Super Top-up

Covered within medical expenses; no separate ICU limit stated

VS

Complete Health Insurance Health Shield

Covered under eligible inpatient hospitalisation, subject to policy terms.

Advanced Treatments

myHealth Medisure Super Top-up

  1. Robotic surgeries for precise, minimally invasive procedures.
  2. Bariatric surgery for obesity management (as per policy terms).
  3. Modern cancer treatments like immunotherapy and targeted therapy.
  4. Stem cell therapy (for approved conditions).
  5. Proton beam therapy for advanced cancer care.
  6. Advanced cardiac procedures including transplants and minimally invasive heart surgeries.
VS

Complete Health Insurance Health Shield

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

Co-payment

myHealth Medisure Super Top-up

The HDFC My: Health Medisure Super Top-Up Plan has a co-payment clause of 10% for individuals aged 61 years and above at the time of policy purchase.

VS

Complete Health Insurance Health Shield

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

Disease-wise sublimits

myHealth Medisure Super Top-up

Yes — a ₹75,000 sub-limit applies to each of cataract; surgery for benign tumours, cysts, nodules or polyps; stone in the urinary system; hernia-related procedures; appendectomy; hysterectomy; fissures, piles and fistulas; and cellulitis or abscess. Optional Waiver of Disease Capping deletes these sub-limits

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.

Cashless Healthcare Providers

myHealth Medisure Super Top-up

16,000+ Healthcare providers.

VS

Complete Health Insurance Health Shield

10,896+ hospitals across India.

Restoration Benefit

myHealth Medisure Super Top-up

Optional — Sum Insured Rebound adds an amount equal to the claim paid under the basic sum insured, up to a maximum of the basic sum insured, on subsequent hospitalisation in a policy year. A single claim cannot exceed the basic sum insured plus cumulative bonus earned; for chemotherapy and dialysis it applies only once in the policy lifetime; unused amounts do not carry forward; not available if aggregate deductible is opted

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.

Cumulative Bonus

myHealth Medisure Super Top-up

10% of basic sum insured on each continuous renewal irrespective of claims, up to a maximum of 100%; not applicable if aggregate deductible is opted. Optional Cumulative Bonus Booster increases this to 50% per renewal, maximum 100%

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.

Daycare Treatment

myHealth Medisure Super Top-up

Covered by the policy.

VS

Complete Health Insurance Health Shield

Covered under the policy. 

Consumable Cover

myHealth Medisure Super Top-up

Optional — Non-Medical Expenses Cover pays non-medical expenses up to 5% of the admissible claim amount under the hospitalisation section

VS

Complete Health Insurance Health Shield



AYUSH Treatment

myHealth Medisure Super Top-up

 Covered in the policy.

VS

Complete Health Insurance Health Shield

Covered under this policy

Initial Waiting Period

myHealth Medisure Super Top-up

30 days, except claims arising from an accident

VS

Complete Health Insurance Health Shield

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

Specific Waiting Period

myHealth Medisure Super Top-up

24 months for specified illnesses and surgical procedures

VS

Complete Health Insurance Health Shield

24 months for specified illnesses and treatments.

PED Waiting Period

myHealth Medisure Super Top-up

36 months; optional Waiting Period Modification reduces it to 24 months

VS

Complete Health Insurance Health Shield

24 months for declared and accepted pre-existing diseases.

Modern Treatment

myHealth Medisure Super Top-up

Not specified

VS

Complete Health Insurance Health Shield

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

Annual Health Checkup

myHealth Medisure Super Top-up

Preventive health check-up after completion of each policy year or at renewal at a network provider, covering a listed panel including chest X-ray, 2D echo or stress test, PSA for males, PAP smear for females, medical examination report, complete blood count, urine routine, fasting blood sugar, lipid profile and ECG. The benefit is not carried forward if not used within 60 days of the policy anniversary

VS

Complete Health Insurance Health Shield

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

Pre-Hospitalisation

myHealth Medisure Super Top-up

Information Unavailable

VS

Complete Health Insurance Health Shield

Up to 30 days.

Post-Hospitalisation

myHealth Medisure Super Top-up

180 days after discharge

VS

Complete Health Insurance Health Shield

Up to 60 days.

Outpatient Department Cover (OPD Expense)

myHealth Medisure Super Top-up

Not covered. Wellness services include discounts on OPD, pharmaceuticals, pharmacy and diagnostic centres, which are discounts rather than cover

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

myHealth Medisure Super Top-up

Optional — Aggregate Deductible. The insured bears the opted amount across all admissible claims in a policy year before the insurer's liability begins. Opting for it removes the Cumulative Bonus and the Sum Insured Rebound

VS

Complete Health Insurance Health Shield

Not verified in the reviewed Health Shield document.

Coverage Options

myHealth Medisure Super Top-up

Individual sum insured or floater sum insured

VS

Complete Health Insurance Health Shield

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

Claim Settlement Ratio

myHealth Medisure Super Top-up

97.43%

VS

Complete Health Insurance Health Shield

FY 2024-25: 83.65%

Maternity Cover

myHealth Medisure Super Top-up

Not covered — maternity and medical treatment expenses traceable to childbirth are permanently excluded

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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