Insurance Plans Comparison
ICICI Lombard Criti Shield Plus vs HDFC ERGO myHealth Suraksha Silver
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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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 is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.
Best For:
- Not available
VS
myHealth Suraksha Silver
Cover hospitalisation, cashless home treatment and day care, with 60 days before admission and 180 days after discharge, plus a 5% bonus each claim-free year up to 50% of the sum insured.
What Makes It Special:
HDFC ERGO my:health Suraksha Silver is an older health insurance variant that covers eligible hospitalisation expenses, including room rent and ICU charges at actuals, and provides pre- and post-hospitalisation coverage, daycare treatment, AYUSH treatment and home healthcare, subject to the applicable policy terms.
Best For:
Customers checking whether optional benefits such as Sum Insured Rebound are included in their policy schedule.
Policyholders who want to understand how optional co-payment choices affect their share of admissible claims.
Buyers who want pre- and post-hospitalisation expenses included in their health cover.
Individuals seeking cover for eligible inpatient hospitalisation expenses.
Existing policyholders reviewing the benefits and conditions of their my:health Suraksha Silver policy.
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
Not available
Verify network hospital status and any optional covers before planning treatment or relying on a particular benefit.
Confirm whether Sum Insured Rebound has been selected and understand the conditions governing its use.
Check the 4-year PED waiting period against your declared medical history and policy start date.
Review the selected co-payment percentage to understand your potential out-of-pocket share of admissible claims.
Check the UIN and policy schedule to confirm that your policy is Silver and not Silver Smart.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Criti Shield Plus Health Insurance Plan VS VS |
myHealth Suraksha Silver Health Insurance Plan |
| Room Rent |
|---|
Criti Shield Plus Normal: Not Applicable ICU: Not Applicable |
VS VS |
myHealth Suraksha Silver 1% of Sum Insured per day, subject to a maximum of ₹5,000 per day (if Room Rent Restriction Option is selected) 2% of Sum Insured per day, subject to a maximum of ₹10,000 per day (if Room Rent Restriction Option is selected) |
| Advanced Treatments |
|---|
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 |
VS VS |
myHealth Suraksha Silver All Advance Treatment are Covered |
| ICU Charges |
|---|
Criti Shield Plus Information Unavailable |
VS VS |
myHealth Suraksha Silver At actuals, subject to policy terms. |
| Co-payment |
|---|
Criti Shield Plus Not Applicable |
VS VS |
myHealth Suraksha Silver Optional Co-payment available |
| Disease-wise sublimits |
|---|
Criti Shield Plus Information Unavailable |
VS VS |
myHealth Suraksha Silver No complete Silver-specific confirmation available; check the applicable policy wording. |
| Waiting Period |
|---|
Criti Shield Plus Initial Waiting Period: 90 Days Pre-existing Disease Waiting Period: Pre-existing diseases are excluded |
VS VS |
myHealth Suraksha Silver Information Unavailable |
| Cashless Healthcare Providers |
|---|
Criti Shield Plus Not Applicable |
VS VS |
myHealth Suraksha Silver Available through network hospitals |
| Restoration Benefit |
|---|
Criti Shield Plus Information Unavailable |
VS VS |
myHealth Suraksha Silver Sum Insured Rebound is an optional benefit under Silver; it is subject to conditions and is not unlimited restoration. |
| Daycare Treatment |
|---|
Criti Shield Plus Not Applicable |
VS VS |
myHealth Suraksha Silver Covered |
| Cumulative Bonus |
|---|
Criti Shield Plus Information Unavailable |
VS VS |
myHealth Suraksha Silver 5% per claim-free year, up to 50% of basic sum insured. |
| AYUSH Treatment |
|---|
Criti Shield Plus Not Mentioned |
VS VS |
myHealth Suraksha Silver Covered |
| Consumable Cover |
|---|
Criti Shield Plus Information Unavailable |
VS VS |
myHealth Suraksha Silver Medicines, drugs and consumables are included in listed medical expenses, subject to policy terms. |
| Initial Waiting Period |
|---|
Criti Shield Plus Information Unavailable |
VS VS |
myHealth Suraksha Silver 30 days for illnesses; accident-related claims are generally exempt. |
| Specific Waiting Period |
|---|
Criti Shield Plus Information Unavailable |
VS VS |
myHealth Suraksha Silver 24 months for listed illnesses and procedures. |
| PED Waiting Period |
|---|
Criti Shield Plus Information Unavailable |
VS VS |
myHealth Suraksha Silver 4 years under the older Silver variant terms. |
| Annual Health Checkup |
|---|
Criti Shield Plus Information Unavailable |
VS VS |
myHealth Suraksha Silver Available after 4 consecutive claim-free policy years under the older prospectus; eligibility and limits apply. |
| Pre-Hospitalisation |
|---|
Criti Shield Plus Information Unavailable |
VS VS |
myHealth Suraksha Silver 60 days for eligible expenses. |
| Post-Hospitalisation |
|---|
Criti Shield Plus Information Unavailable |
VS VS |
myHealth Suraksha Silver 180 days for eligible expenses. |
| Outpatient Department Cover (OPD Expense) |
|---|
Criti Shield Plus Information Unavailable |
VS VS |
myHealth Suraksha Silver Not covered as a standard OPD benefit; verify any separately selected optional cover. |
| Deductible Option |
|---|
Criti Shield Plus Information Unavailable |
VS VS |
myHealth Suraksha Silver Not verified for the exact Silver variant. |
| Coverage Options |
|---|
Criti Shield Plus Information Unavailable |
VS VS |
myHealth Suraksha Silver Individual and Family Floater; sum-insured options depend on the applicable policy version. |
| Claim Settlement Ratio |
|---|
Criti Shield Plus Information Unavailable |
VS VS |
myHealth Suraksha Silver 97.45% for HDFC ERGO health claims in FY 2024–25, calculated using claims settled against claims available to settle. This is insurer-level, not product-specific. |
| Maternity Cover |
|---|
Criti Shield Plus Information Unavailable |
VS VS |
myHealth Suraksha Silver Exact Silver-specific coverage for modern treatments not verified. |
Insurance Plans Comparison
Still Confused? Get Expert Advice
Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.
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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
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Every suggestion is backed by expert analysis of your life stage, goals, and budget
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Insurance Plans Comparison
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Frequently Asked Questions (FAQs)
Having questions? We've got answers. Explore our FAQs to find the information you need.
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