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Insurance Plans Comparison

HDFC ERGO myHealth Suraksha Silver vs ICICI Lombard Golden 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 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.

VS
ICICI Lombard

Golden Shield

Cover hospital care for seniors, with a twin-sharing room below ₹10 lakh and a single private AC room from ₹10 lakh, a 50% co-pay on every admissible claim, and 60 days before admission plus 180 days after discharge.

What Makes It Special:

ICICI Lombard Golden Shield is designed for senior citizens and offers hospitalisation cover through individual and family floater options. Benefits include inpatient treatment, daycare procedures, AYUSH hospitalisation, pre- and post-hospitalisation expenses, domiciliary treatment and a Reset Benefit. The policy also offers a Loyalty Bonus and optional features such as Claim...

Best For:

  • Buyers seeking additional features such as Claim Protector or Care Management Plus, subject to availability and eligibility.

  • Customers who want to evaluate options for reducing the policy's standard co-payment.

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

  • Older couples looking for a shared family floater or individual cover options.

  • Senior citizens seeking health insurance for eligible hospitalisation 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

  • 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.

  • Compare the disease-specific sublimits with your healthcare needs, especially for cataract, cardiovascular treatment, cancer and renal conditions.

  • Review the 24-month PED and specified-disease waiting periods, along with the separate 90-day exclusion for hypertension, diabetes and cardiac conditions.

  • Check the room category linked to your sum insured to avoid unexpected proportionate deductions.

  • Review the base 50% co-payment carefully and compare the additional premium for reducing it to 40%, 30% or 20%.

  • Select a sum insured based on expected medical expenses and confirm that the desired option is available for your age and health profile.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

myHealth Suraksha Silver
myHealth Suraksha Silver

Health Insurance Plan

VS
Golden Shield
Golden Shield

Health Insurance Plan

Brochure

Room Rent

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)

VS

Golden Shield

ICICI Lombard's Health Shield plan offers comprehensive coverage with no specific capping on room rent or ICU charges.

Advanced Treatments

myHealth Suraksha Silver

All Advance Treatment are Covered

VS

Golden Shield

The plan covers advanced treatments like robotic surgeries, immunotherapy, oral chemotherapy, stem cell therapy, and minimally invasive procedures for various conditions.

ICU Charges

myHealth Suraksha Silver

At actuals, subject to policy terms.

VS

Golden Shield

Covered under eligible inpatient hospitalisation, subject to the annual sum insured and applicable policy conditions.

Co-payment

myHealth Suraksha Silver

Optional Co-payment available

VS

Golden Shield

The ICICI Lombard Golden Shield plan includes a mandatory 50% co-payment, meaning policyholders are responsible for half of the admissible claim amount, while the insurer covers the remaining 50%. This co-payment applies to all claims made under the policy.

Disease-wise sublimits

myHealth Suraksha Silver

No complete Silver-specific confirmation available; check the applicable policy wording.

VS

Golden Shield

Yes. Cataract and specified cardiovascular, cerebrovascular, cancer, renal, long-bone/joint and robotic-surgery treatments have limits that vary by sum insured.

Cashless Healthcare Providers

myHealth Suraksha Silver

Available through network hospitals

VS

Golden Shield

10,896+ hospitals across India.

Restoration Benefit

myHealth Suraksha Silver

Sum Insured Rebound is an optional benefit under Silver; it is subject to conditions and is not unlimited restoration.

VS

Golden Shield

Unlimited Reset Benefit of up to 100% of the annual sum insured for eligible subsequent claims. It does not apply to the first claim and has restrictions for the same illness or related complications.

Daycare Treatment

myHealth Suraksha Silver

Covered

VS

Golden Shield

Covered under the policy. 

Cumulative Bonus

myHealth Suraksha Silver

5% per claim-free year, up to 50% of basic sum insured.

VS

Golden Shield

Loyalty Bonus accumulates under the policy's renewal rules; accrued bonus is not reduced merely because a claim is made.

AYUSH Treatment

myHealth Suraksha Silver

Covered

VS

Golden Shield

Covered under this policy

Consumable Cover

myHealth Suraksha Silver

Medicines, drugs and consumables are included in listed medical expenses, subject to policy terms.

VS

Golden Shield

Claim Protector is available as an optional cover for eligible non-medical items associated with an accepted inpatient claim.

Initial Waiting Period

myHealth Suraksha Silver

30 days for illnesses; accident-related claims are generally exempt.

VS

Golden Shield

30 days for illnesses, except covered accident-related hospitalisation.

Specific Waiting Period

myHealth Suraksha Silver

24 months for listed illnesses and procedures.

VS

Golden Shield

24 months for listed diseases and procedures.

PED Waiting Period

myHealth Suraksha Silver

4 years under the older Silver variant terms.

VS

Golden Shield

24 months of continuous coverage for declared and accepted pre-existing diseases.

Modern Treatment

myHealth Suraksha Silver

Information Unavailable

VS

Golden Shield

Listed modern treatments are covered up to the annual sum insured, subject to specified sublimits.

Annual Health Checkup

myHealth Suraksha Silver

Available after 4 consecutive claim-free policy years under the older prospectus; eligibility and limits apply.

VS

Golden Shield

Information Unavailable

Pre-Hospitalisation

myHealth Suraksha Silver

60 days for eligible expenses.

VS

Golden Shield

60 days before hospitalisation, subject to policy terms and the accepted inpatient claim.

Post-Hospitalisation

myHealth Suraksha Silver

180 days for eligible expenses.

VS

Golden Shield

Up to 7% of hospitalisation expenses, subject to a maximum of ₹5,000 for ₹3–5 lakh sum insured, ₹7,000 for ₹10–15 lakh, and ₹10,000 for ₹20–50 lakh.

Outpatient Department Cover (OPD Expense)

myHealth Suraksha Silver

Not covered as a standard OPD benefit; verify any separately selected optional cover.

VS

Golden Shield

Not included as a general standard reimbursement benefit. Outpatient consultations may be available through the optional Care Management Plus Program.

Deductible Option

myHealth Suraksha Silver

Not verified for the exact Silver variant.

VS

Golden Shield

Optional voluntary deductible of 20% of the annual sum insured, applied on an aggregate basis during the policy year.

Coverage Options

myHealth Suraksha Silver

Individual and Family Floater; sum-insured options depend on the applicable policy version.

VS

Golden Shield

Individual or family floater; optional Claim Protector, reduced co-payment, voluntary deductible and Care Management Plus Program.

Claim Settlement Ratio

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.

VS

Golden Shield

FY 24-25: ~84%

Maternity Cover

myHealth Suraksha Silver

Exact Silver-specific coverage for modern treatments not verified.

VS

Golden Shield

Not covered under this senior-citizen-focused plan.

Insurance Plans Comparison

Still Confused? Get Expert Advice

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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

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  • 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

Most Popular

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

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