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Insurance Plans Comparison

HDFC ERGO myHealth Suraksha Gold vs ICICI Lombard Health AdvantEdge 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 Suraksha Gold

Health insurance with hospitalisation cover and restoration benefits

What Makes It Special:

my:health Suraksha Gold is an older HDFC ERGO health insurance variant that provides hospitalisation-related benefits, including eligible pre- and post-hospitalisation expenses, daycare treatment, AYUSH treatment and Sum Insured Rebound, subject to the applicable policy wording and schedule.

Best For:

  • Existing policyholders reviewing the terms and benefits of an older my:health Suraksha Gold policy.

  • People who value a restoration-style benefit for a subsequent hospitalisation, subject to policy conditions.

  • Buyers who want pre- and post-hospitalisation expenses included in their health insurance cover.

  • Families considering an individual or family floater policy, subject to the applicable eligibility conditions.

  • Individuals looking for cover for eligible hospitalisation and related medical expenses.

VS
ICICI Lombard

Health AdvantEdge Plus

Cover pre-existing diseases with no waiting period, reset the sum insured unlimited times for any illness after the first claim, once only at ₹5 lakh or seven-and-a-half lakh, and keep a 20% cumulative bonus up to 100% after a claim.

What Makes It Special:

The Royal Plus Plan under ICICI Lombard Health AdvantEdge offers sum insured options from ₹5 lakh to ₹3 crore, along with eligible hospitalisation, daycare, AYUSH, home care and pre- and post-hospitalisation benefits. Its distinguishing features include a guaranteed cumulative bonus, reset benefit, and Claim Protector at specified sum insured levels....

Best For:

  • Buyers who want to compare higher sum insured options and additional benefits against their budget and coverage needs.

  • Families considering optional maternity-related benefits, subject to eligibility and waiting periods.

  • People looking for a cumulative bonus that can increase cover over eligible claim-free periods.

  • Buyers who value a restore benefit for eligible subsequent claims in the same policy year.

  • People seeking cover for eligible hospitalisation and day-care treatment expenses.

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

HDFC ERGO myHealth Suraksha Gold

  • Confirm hospital network status, cashless eligibility and the applicable policy wording before planned treatment.

  • Verify the conditions for Sum Insured Rebound, including when it becomes available and how much can be used for a subsequent claim.

  • Review the 24-month specific-disease waiting period and applicable PED waiting period against your medical history.

  • Check the applicable co-payment and room-rent terms to understand how much of an admissible claim you may need to pay yourself.

  • Confirm the exact Gold variant and UIN on your policy schedule before relying on benefit limits or waiting periods.

ICICI Lombard Health AdvantEdge Plus

  • Compare the cost and waiting conditions of optional maternity and non-medical-expense benefits before adding them.

  • Check the restore benefit's trigger and restrictions rather than assuming it can pay every subsequent claim.

  • Confirm whether the selected sum insured and policy version provide the room category and ICU cover you expect.

  • Review the 2-year PED waiting period and disclose all existing medical conditions when applying.

  • Check the UIN and policy schedule before purchase because the publicly available Apex Plus material is historical.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

myHealth Suraksha Gold
myHealth Suraksha Gold

Health Insurance Plan

Brochure

Policy Wording

VS
Health AdvantEdge Plus
Health AdvantEdge Plus

Health Insurance Plan

Brochure

Policy Wording

Room Rent

myHealth Suraksha Gold

At actuals in the older prospectus; room-rent modification options may alter the applicable terms.

VS

Health AdvantEdge Plus

  1. Normal: No Limit 
  2. ICU: No Limit 

    If the sum insured health insurance policy is Rs.5 Lakh or above.

ICU Charges

myHealth Suraksha Gold

At actuals under the older prospectus terms.

VS

Health AdvantEdge Plus

Up to sum insured for Apex Plus, subject to the applicable wording.

Advanced Treatments

myHealth Suraksha Gold

Information Unavailable

VS

Health AdvantEdge Plus

  1. Oral Chemotherapy 
  2.  Robotic Surgeries 
  3. Stem Cell Therapy 
Co-payment

myHealth Suraksha Gold

Optional co-payment choices of 15% or 25% are shown for the relevant variant family; verify the selected Gold configuration.

VS

Health AdvantEdge Plus

Co payment is applicable as chosen by the insured. 

It allows the insured to opt for 10% or 20% co-payment.

Disease-wise sublimits

myHealth Suraksha Gold

No complete variant-specific confirmation available; check the applicable policy schedule and wording.

VS

Health AdvantEdge Plus

Certain benefits have specific limits, including ambulance, animal-bite vaccination, bariatric surgery and home-care treatment. Other limits depend on the policy terms.

Cashless Healthcare Providers

myHealth Suraksha Gold

12,000+ cashless network hospitals, as stated on HDFC ERGO’s insurer website; the network and cashless eligibility should be checked at the time of treatment.

VS

Health AdvantEdge Plus

10,000+ Healthcare Providers across India 

Restoration Benefit

myHealth Suraksha Gold

Sum Insured Rebound is listed. It is subject to claim-related conditions and is not an unlimited restoration benefit.

VS

Health AdvantEdge Plus

Information Unavailable

Cumulative Bonus

myHealth Suraksha Gold

10% per claim-free year, up to 100% of basic sum insured in the older variant table; confirm the applicable Gold version.

VS

Health AdvantEdge Plus

Guaranteed cumulative bonus: 20% of sum insured, up to 100%, under the historical Apex Plus brochure.

Daycare Treatment

myHealth Suraksha Gold

Covered, subject to the applicable policy wording and eligible procedures.

VS

Health AdvantEdge Plus

Covered. Requires hospitalization of more than 24 Hours.

Consumable Cover

myHealth Suraksha Gold

Medical consumables are referenced within hospitalisation expenses; specific non-medical expense coverage depends on applicable terms and optional cover.

VS

Health AdvantEdge Plus

Listed non-medical expenses may require the optional Claim Protector benefit; verify the applicable schedule.

AYUSH Treatment

myHealth Suraksha Gold

Inpatient alternative treatments, including Ayurveda, Unani, Siddha and Homeopathy, subject to policy terms.

VS

Health AdvantEdge Plus

AYUSH is covered up to Sum Insured.

Initial Waiting Period

myHealth Suraksha Gold

30 days, subject to policy terms and accident-related exceptions.

VS

Health AdvantEdge Plus

30 days for illnesses; accidental hospitalisation exempt.

Specific Waiting Period

myHealth Suraksha Gold

24 months for listed illnesses and procedures.

VS

Health AdvantEdge Plus

2 years for specified diseases and procedures, subject to the policy wording.

PED Waiting Period

myHealth Suraksha Gold

48 months under the identified older Gold terms; modification may apply if selected and specified in the policy schedule.

VS

Health AdvantEdge Plus

2 years, subject to disclosure and acceptance by the insurer.

Modern Treatment

myHealth Suraksha Gold

Not verified for the exact Gold version; refer to applicable policy wording.

VS

Health AdvantEdge Plus

Covered up to sum insured, subject to policy terms and exclusions.

Annual Health Checkup

myHealth Suraksha Gold

Preventive health check-up booster is listed as an optional cover; exact limit and eligibility require confirmation.

VS

Health AdvantEdge Plus

Annual benefit from the first year; historical brochure specifies up to 0.5% of sum insured, capped at ₹10,000, on a cashless basis.

Pre-Hospitalisation

myHealth Suraksha Gold

60 days under the older prospectus.

VS

Health AdvantEdge Plus



Post-Hospitalisation

myHealth Suraksha Gold

180 days under the older prospectus.

VS

Health AdvantEdge Plus

Up to 180 days under the historical Apex Plus brochure.

Outpatient Department Cover (OPD Expense)

myHealth Suraksha Gold

Not covered as a standard benefit in the older variant table.

VS

Health AdvantEdge Plus

General OPD cover not verified. Teleconsultations are listed in the historical brochure as an included value-added service.

Deductible Option

myHealth Suraksha Gold

Not verified for the exact Gold version.

VS

Health AdvantEdge Plus

Not verified for this variant.

Coverage Options

myHealth Suraksha Gold

Individual and Family Floater; sum-insured availability depends on the applicable version.

VS

Health AdvantEdge Plus

Individual/family cover; historical Apex Plus brochure also lists worldwide cover for sum insured of ₹25 lakh and above. Confirm current availability and conditions.

Claim Settlement Ratio

myHealth Suraksha Gold

98.85% — HDFC ERGO health claims, number-based settlement ratio for FY 2024–25, as reported from IRDAI data. This is insurer-level, not product-specific.

VS

Health AdvantEdge Plus

FY 24-25: ~84%

Maternity Cover

myHealth Suraksha Gold

Not covered as a standard benefit in the identified older Gold variant table. Do not assume optional maternity cover applies without verifying the exact policy schedule.

VS

Health AdvantEdge Plus

Optional; historical brochure specifies 10% of base sum insured, capped at ₹10 lakh, for up to 3 deliveries. Waiting periods and eligibility must be checked in the applicable wording.

Insurance Plans Comparison

Still Confused? Get Expert Advice

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Why Choose Our Expert Consultation?

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Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

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Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

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

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  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

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