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Insurance Plans Comparison

HDFC ERGO myHealth Koti Suraksha vs ICICI Lombard Criti Shield Plus

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

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HDFC ERGO

myHealth Koti Suraksha

Get a ₹1 crore hospitalisation cover with cashless home treatment, room rent up to a single standard air-conditioned room, and a 10% cumulative bonus each year even after a claim, up to 100%.

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

Criti Shield Plus

Pay a lump sum for 92 major and minor critical illnesses in five groups, with the full sum insured for a major illness and 25% for a minor one, and make another claim from a different group.

What Makes It Special:

Criti Shield Plus focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.

Best For:

  • Not available

Insurance Plans Comparison

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Quick Decision Guide

HDFC ERGO myHealth Koti Suraksha

  • 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.

ICICI Lombard Criti Shield Plus

Not available

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

myHealth Koti Suraksha
myHealth Koti Suraksha

Health Insurance Plan

Brochure

Policy Wording

VS
Criti Shield Plus
Criti Shield Plus

Health Insurance Plan

Brochure

Policy Wording

Room Rent

myHealth Koti Suraksha

Single Standard AC Room

Covered as part of hospitalization expenses

VS

Criti Shield Plus

Normal: Not Applicable

ICU: Not Applicable

ICU Charges

myHealth Koti Suraksha

Covered within medical expenses; no separate ICU limit stated

VS

Criti Shield Plus

Information Unavailable

Advanced Treatments

myHealth Koti Suraksha

Advanced Technology Methods Covered

VS

Criti Shield Plus

Bone Marrow Transplant

Major Organ Transplant

Open Chest CABG

Open Heart Valve Replacement/Repair

Surgery of Aorta

Angioplasty

Balloon Valvotomy / Valvuloplasty

Cardiac Defibrillator Insertion

Carotid Artery Surgery

Small Bowel Transplant

Co-payment

myHealth Koti Suraksha

20% Co-payment

VS

Criti Shield Plus

Not Applicable

Disease-wise sublimits

myHealth Koti Suraksha

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

Criti Shield Plus

Information Unavailable

Waiting Period

myHealth Koti Suraksha

Information Unavailable

VS

Criti Shield Plus

Initial Waiting Period: 90 Days

Pre-existing Disease Waiting Period: Pre-existing diseases are excluded

Cashless Healthcare Providers

myHealth Koti Suraksha

Available through network hospitals

VS

Criti Shield Plus

Not Applicable

Restoration Benefit

myHealth Koti Suraksha

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

Criti Shield Plus

Information Unavailable

Daycare Treatment

myHealth Koti Suraksha

Covered

VS

Criti Shield Plus

Not Applicable

Cumulative Bonus

myHealth Koti Suraksha

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

Criti Shield Plus

Information Unavailable

AYUSH Treatment

myHealth Koti Suraksha

Covered

VS

Criti Shield Plus

Not Mentioned

Consumable Cover

myHealth Koti Suraksha

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

VS

Criti Shield Plus

Information Unavailable

Initial Waiting Period

myHealth Koti Suraksha

30 days, except claims arising from an accident

VS

Criti Shield Plus

Information Unavailable

Specific Waiting Period

myHealth Koti Suraksha

24 months for specified illnesses and surgical procedures

VS

Criti Shield Plus

Information Unavailable

PED Waiting Period

myHealth Koti Suraksha

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

VS

Criti Shield Plus

Information Unavailable

Modern Treatment

myHealth Koti Suraksha

Not specified.

VS

Criti Shield Plus

Information Unavailable

Annual Health Checkup

myHealth Koti Suraksha

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

Criti Shield Plus

Information Unavailable

Post-Hospitalisation

myHealth Koti Suraksha

180 days after discharge

VS

Criti Shield Plus

Information Unavailable

Outpatient Department Cover (OPD Expense)

myHealth Koti Suraksha

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

VS

Criti Shield Plus

Information Unavailable

Deductible Option

myHealth Koti Suraksha

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

Criti Shield Plus

Information Unavailable

Coverage Options

myHealth Koti Suraksha

Individual sum insured or floater sum insured

VS

Criti Shield Plus

Information Unavailable

Maternity Cover

myHealth Koti Suraksha

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

VS

Criti Shield Plus

Information Unavailable

Insurance Plans Comparison

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Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

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

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

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