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Insurance Plans Comparison

ICICI Lombard Health AdvantEdge 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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ICICI Lombard

Health AdvantEdge

Stay in any room category and restore 100% of the base sum insured even after only part of it is used, including for the same illness, along with a 20% cumulative bonus up to 100%.

What Makes It Special:

ICICI Lombard Health AdvantEdge is a comprehensive health insurance policy available through individual and family floater configurations. It covers eligible hospitalisation, daycare procedures, domiciliary hospitalisation, pre- and post-hospitalisation expenses, ambulance services and AYUSH treatment. The plan also provides wellness and preventive health check-up benefits, with optional features such as maternity...

Best For:

  • Buyers who want to evaluate optional maternity, teleconsultation or non-medical expense protection.

  • Customers interested in preventive health check-ups and wellness services.

  • Buyers who value restoration and loyalty benefits, subject to policy conditions.

  • Families who want to share a sum insured through a family floater policy.

  • Individuals looking for comprehensive health insurance with multiple sum insured options.

VS
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.

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

  • Confirm whether your preferred hospitals are in the current cashless network and verify the exact terms shown in your policy schedule.

  • Compare the additional premium and limits for optional maternity, Claim Protector and other add-on benefits before selecting them.

  • Check waiting periods for pre-existing diseases and listed conditions before relying on the policy for planned treatment.

  • Review the room-rent option carefully because selecting a room above the applicable entitlement may affect the claim settlement.

  • Select the Prime, Royal or Apex tier based on your required sum insured and the options currently offered.

  • 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

Health AdvantEdge
Health AdvantEdge

Health Insurance Plan

VS
myHealth Suraksha Silver
myHealth Suraksha Silver

Health Insurance Plan

Room Rent

Health AdvantEdge

Normal: Any category room; Up to Sum Insured

ICU: Up to Sum Insured

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

Health AdvantEdge

Home care treatment, teleconsultations, domestic air ambulance, bariatric surgery, worldwide cover

VS

myHealth Suraksha Silver

All Advance Treatment are Covered

ICU Charges

Health AdvantEdge

Eligible ICU expenses are covered within the applicable sum insured and policy limits.

VS

myHealth Suraksha Silver

At actuals, subject to policy terms.

Co-payment

Health AdvantEdge

0% co-payment

VS

myHealth Suraksha Silver

Optional Co-payment available

Disease-wise sublimits

Health AdvantEdge



VS

myHealth Suraksha Silver

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

Cashless Healthcare Providers

Health AdvantEdge

Cashless treatment available at network hospitals

VS

myHealth Suraksha Silver

Available through network hospitals

Restoration Benefit

Health AdvantEdge

Restore Benefit can restore up to 100% of the sum insured once in a policy year under the cited policy version, subject to the applicable claim conditions.

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

Health AdvantEdge

All daycare procedures covered

VS

myHealth Suraksha Silver

Covered

Cumulative Bonus

Health AdvantEdge

Guaranteed Cumulative Bonus of 20% of the sum insured for an eligible claim-free year under the cited policy version; accrued bonus is not reduced by a claim, subject to policy terms.

VS

myHealth Suraksha Silver

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

AYUSH Treatment

Health AdvantEdge

Covered up to Sum Insured

VS

myHealth Suraksha Silver

Covered

Consumable Cover

Health AdvantEdge

Claim Protector is available as an optional cover for eligible non-medical expenses, subject to the selected option and policy terms.

VS

myHealth Suraksha Silver

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

Initial Waiting Period

Health AdvantEdge

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

VS

myHealth Suraksha Silver

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

Specific Waiting Period

Health AdvantEdge

Generally 24 months for listed diseases and procedures, subject to the applicable wording.

VS

myHealth Suraksha Silver

24 months for listed illnesses and procedures.

PED Waiting Period

Health AdvantEdge

Generally 24 months for declared and accepted pre-existing diseases under the cited policy version; confirm the applicable plan and policy schedule.

VS

myHealth Suraksha Silver

4 years under the older Silver variant terms.

Modern Treatment

Health AdvantEdge

Listed modern treatments are covered subject to the applicable plan limits and policy wording.

VS

myHealth Suraksha Silver

Information Unavailable

Annual Health Checkup

Health AdvantEdge

Preventive health check-up coupons are available under the cited policy version for eligible insured adults; package and usage conditions apply.

VS

myHealth Suraksha Silver

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

Pre-Hospitalisation

Health AdvantEdge

Covered for the period specified in the applicable policy wording; verify the exact duration for the current UIN.

VS

myHealth Suraksha Silver

60 days for eligible expenses.

Post-Hospitalisation

Health AdvantEdge

Covered for the period specified in the applicable policy wording; confirm the exact limit for the current UIN.

VS

myHealth Suraksha Silver

180 days for eligible expenses.

Outpatient Department Cover (OPD Expense)

Health AdvantEdge

Not a blanket standard OPD reimbursement benefit. Optional BeFit/OPD-related cover may be available with eligible configurations.

VS

myHealth Suraksha Silver

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

Deductible Option

Health AdvantEdge

A voluntary deductible may be available under selected configurations; confirm the amount and terms in the policy schedule.

VS

myHealth Suraksha Silver

Not verified for the exact Silver variant.

Coverage Options

Health AdvantEdge

Prime, Royal and Apex plan tiers, with individual and family floater options and optional benefits.

VS

myHealth Suraksha Silver

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

Claim Settlement Ratio

Health AdvantEdge

FY 24-25: ~84%

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

Health AdvantEdge

Optional maternity benefit may cover eligible maternity expenses up to 10% of annual sum insured, capped at ₹1 lakh; newborn expenses may be covered over and above this limit, subject to policy terms.

VS

myHealth Suraksha Silver

Exact Silver-specific coverage for modern treatments not verified.

Insurance Plans Comparison

Still Confused? Get Expert Advice

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Why Choose Our Expert Consultation?

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

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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

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

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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

Frequently Asked Questions (FAQs)

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Health Advantedge Vs Myhealth Suraksha Silver

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