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Insurance Plans Comparison

HDFC ERGO myHealth Suraksha Platinum vs ICICI Lombard Health Elite 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 Platinum

Hospitalisation cover with flexible optional benefits

What Makes It Special:

HDFC ERGO my:health Suraksha Platinum is an older health insurance variant that covers eligible hospitalisation expenses, including room rent and ICU charges, and provides pre- and post-hospitalisation benefits, daycare treatment and a cumulative bonus, subject to the applicable policy terms.

Best For:

  • Customers reviewing whether Sum Insured Rebound or other optional covers are included in their existing policy schedule.

  • Policyholders who want to understand the effect of optional co-payment choices on their out-of-pocket expenses.

  • Buyers who value pre- and post-hospitalisation expense coverage.

  • Individuals seeking cover for eligible inpatient hospitalisation expenses.

  • Existing policyholders reviewing the benefits and conditions of their my:health Suraksha Platinum policy.

VS
ICICI Lombard

Health Elite Plus

Get a single private room and reset up to 100% of the sum insured once for the same illness and unlimited times for a different illness, with a 20% loyalty bonus up to 100% that stays after a claim.

What Makes It Special:

ICICI Lombard Health Elite Plus offers an unlimited reset benefit that can replenish up to 100% of the base sum insured when the available cover becomes insufficient after previous claims. It can be used unlimited times for different illnesses and once for the same illness, subject to policy conditions. The plan...

Best For:

  • Buyers who want the option to add specific benefits, such as worldwide hospitalisation cover or outpatient services, subject to eligibility and additional premium.

  • Customers seeking benefits such as donor expenses, domiciliary hospitalisation and air ambulance cover.

  • People who value a guaranteed cumulative bonus that can increase their available cover over time.

  • Buyers who want a reset benefit for eligible subsequent hospitalisation claims.

  • Individuals or families looking for a health insurance plan 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

HDFC ERGO myHealth Suraksha Platinum

  • Verify the applicable OPD benefit, network hospital status and any optional covers before planning treatment.

  • Confirm whether Sum Insured Rebound is selected and review the conditions governing its use.

  • Check the 3-year PED waiting period against your declared medical history and policy start date.

  • Review your selected co-payment percentage to understand how much of an admissible claim you may need to pay.

  • Check the UIN and policy schedule to confirm that your cover is the older Platinum variant rather than Platinum Smart.

ICICI Lombard Health Elite Plus

  • If you need worldwide cover or other add-ons, confirm their availability, waiting periods, limits and additional premium before purchasing.

  • If you opt for voluntary co-payment or treatment outside your selected pricing zone, account for the applicable out-of-pocket share.

  • If you expect to use outpatient services, confirm whether the optional BeFit cover is selected and what its specific limits include.

  • If you have a pre-existing condition, check the 24-month waiting period and disclose your medical history accurately.

  • Choose a sum insured that fits your expected medical costs and check how room eligibility changes at the ₹20 lakh threshold.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

myHealth Suraksha Platinum
myHealth Suraksha Platinum

Health Insurance Plan

Brochure

Policy Wording

VS
Health Elite Plus
Health Elite Plus

Health Insurance Plan

Brochure

Policy Wording

Room Rent

myHealth Suraksha Platinum

Normal: Room Rent, Boarding & Nursing Charges Covered

ICU: Intensive Care Unit Charges Covered

VS

Health Elite Plus

  1. Normal: Covered Up to Sum Insured
  2. ICU: Covered up to sum insured
Advanced Treatments

myHealth Suraksha Platinum

Home Healthcare

Domiciliary Hospitalization

Organ Donor Expenses

Air Ambulance (Optional)

Global Health Cover (Optional)

Major Illness Hospitalization Cover (Optional)

Mental Health Treatment

VS

Health Elite Plus

  1. Oral chemotherapy
  2. Robotic surgeries
  3. Stem cell therapy
ICU Charges

myHealth Suraksha Platinum

At actuals, subject to policy terms.

VS

Health Elite Plus

Not verified for the exact current variant configuration.

Co-payment

myHealth Suraksha Platinum

No mandatory co-payment mentioned

VS

Health Elite Plus

Insured can choose 10% or 20% co-payment, allowing cost-sharing for lower premium expenses.

Disease-wise sublimits

myHealth Suraksha Platinum

No complete variant-specific confirmation available; verify the applicable policy wording.

VS

Health Elite Plus

Cataract treatment is limited to 10% of the sum insured, up to ₹1 lakh per eye, after the applicable two-year period. Other applicable limits and exclusions must be checked in the policy wording.

Cashless Healthcare Providers

myHealth Suraksha Platinum

Cashless treatment available through network healthcare providers

VS

Health Elite Plus

10,000+ Cashless Healthcare Providers

Restoration Benefit

myHealth Suraksha Platinum

Sum Insured Rebound is listed as optional; it is not an unlimited restoration benefit.

VS

Health Elite Plus

Reset of up to 100% of the base sum insured, unlimited times for different illnesses and once for the same illness. It does not trigger on the first claim and is subject to the policy conditions.

Daycare Treatment

myHealth Suraksha Platinum

Covered

VS

Health Elite Plus

Covers procedures requiring less than 24-hour hospitalization, like cataract surgery and chemotherapy.

Cumulative Bonus

myHealth Suraksha Platinum

5% of sum insured for each claim-free year, up to 50% of sum insured.

VS

Health Elite Plus

Loyalty bonus is described in the available policy information; current applicable rate and maximum require verification.

AYUSH Treatment

myHealth Suraksha Platinum

Covered

VS

Health Elite Plus

Coverage for Ayurveda, Yoga, Unani, Siddha, and Homeopathy at government-recognized institutions.

Consumable Cover

myHealth Suraksha Platinum

Medicines, drugs and consumables are included in listed medical expenses; non-medical expense coverage requires verification.

VS

Health Elite Plus

Not verified as a standard benefit for the exact current variant.

Initial Waiting Period

myHealth Suraksha Platinum

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

VS

Health Elite Plus

30 days for illnesses from the start of the policy; accidents are excluded from this waiting-period restriction.

Specific Waiting Period

myHealth Suraksha Platinum

24 months for specified illnesses and treatments.

VS

Health Elite Plus

24 months for specified diseases and procedures listed in the policy.

PED Waiting Period

myHealth Suraksha Platinum

3 years under the older Platinum variant terms.

VS

Health Elite Plus

24 months for declared and accepted pre-existing diseases, subject to policy terms and applicable portability rules.

Modern Treatment

myHealth Suraksha Platinum

Not verified for the exact older Platinum variant.

VS

Health Elite Plus

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

Annual Health Checkup

myHealth Suraksha Platinum

Preventive health check-up listed as a renewal benefit, subject to applicable terms.

VS

Health Elite Plus

Preventive health check-up available at designated centres, subject to policy conditions.

Pre-Hospitalisation

myHealth Suraksha Platinum

60 days for eligible expenses.

VS

Health Elite Plus

60 days


Post-Hospitalisation

myHealth Suraksha Platinum

180 days for eligible expenses.

VS

Health Elite Plus

180 days.

Outpatient Department Cover (OPD Expense)

myHealth Suraksha Platinum

₹2,500 listed in the older variant schedule; confirm the applicable cover and policy schedule.

VS

Health Elite Plus

Not included as a general unlimited standard benefit. Optional BeFit provides specified outpatient consultations and related benefits on a cashless basis, according to the selected plan.

Deductible Option

myHealth Suraksha Platinum

Not verified for the exact Platinum variant.

VS

Health Elite Plus

No deductible option.

Coverage Options

myHealth Suraksha Platinum

Individual and Family Floater, subject to availability under the applicable policy version.

VS

Health Elite Plus

Individual and family floater options, with sum insured options from ₹5 lakh to ₹3 crore.

Claim Settlement Ratio

myHealth Suraksha Platinum

98.85% of claims paid within 3 months in FY 2024–25; this is a claims-paid-within-three-months metric, not a product-specific ratio.

VS

Health Elite Plus

Information Unavailable

Maternity Cover

myHealth Suraksha Platinum

Not covered under the older Platinum variant schedule.

VS

Health Elite Plus

Childbirth-related medical expenses are excluded, except ectopic pregnancy, as stated in the exclusions.

Insurance Plans Comparison

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

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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

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)

Having questions? We've got answers. Explore our FAQs to find the information you need.

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