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Insurance Plans Comparison

ICICI Lombard Complete Health Insurance Health Shield 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

Complete Health Insurance Health Shield

Add 10% to the sum insured after every claim-free year, up to 50%, and cover organ-donor expenses up to ₹10 lakh, with domiciliary hospitalisation and air ambulance paid over and above the sum insured.

What Makes It Special:

Health Shield is a variant listed under ICICI Lombard Complete Health Insurance. Its benefits include inpatient hospitalisation, eligible daycare procedures, inpatient AYUSH treatment, pre- and post-hospitalisation expenses, and a reset benefit that can replenish eligible cover after previous claims. The policy also lists a cumulative bonus and wellness services. Coverage...

Best For:

  • Customers who may use the policy's wellness services and preventive health-check-up facilities.

  • Buyers who want eligible daycare and inpatient AYUSH treatment covered.

  • Customers who value a cumulative bonus for claim-free years.

  • Individuals or families comparing different base sum insured options.

  • Buyers looking for hospitalisation cover with a reset benefit for subsequent eligible claims.

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

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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

ICICI Lombard Complete Health Insurance Health Shield

  • Verify that the Health Shield variant is still available and that the quoted UIN matches the policy document before purchase.

  • Compare the cataract sub-limit with your expected needs, especially if selecting a lower sum insured.

  • Check the 24-month PED and specified-disease waiting periods against your medical history.

  • Review the reset rules carefully, including the restrictions on using reset cover for the same illness.

  • Confirm the available sum insured and room-rent limit in the policy schedule before choosing the plan.

HDFC ERGO myHealth Suraksha Silver

  • 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

Complete Health Insurance Health Shield
Complete Health Insurance Health Shield

Health Insurance Plan

Brochure

VS
myHealth Suraksha Silver
myHealth Suraksha Silver

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Complete Health Insurance Health Shield

Normal: Health Shield offers room rent and ICU coverage without sub-limits, ensuring full financial support for hospitalization, including intensive care expenses.

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

Complete Health Insurance Health Shield

Covers advanced treatments, including robotic surgeries, stem cell therapy, immunotherapy, and modern cancer treatments

VS

myHealth Suraksha Silver

All Advance Treatment are Covered

ICU Charges

Complete Health Insurance Health Shield

Covered under eligible inpatient hospitalisation, subject to policy terms.

VS

myHealth Suraksha Silver

At actuals, subject to policy terms.

Co-payment

Complete Health Insurance Health Shield

10% of copay will be applied to every admissible claim.

VS

myHealth Suraksha Silver

Optional Co-payment available

Disease-wise sublimits

Complete Health Insurance Health Shield

Cataract: ₹20,000 per eye per policy year for sum insured up to ₹5 lakh; ₹1 lakh per eye per policy year for sum insured above ₹5 lakh.

VS

myHealth Suraksha Silver

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

Cashless Healthcare Providers

Complete Health Insurance Health Shield

10,896+ hospitals across India.

VS

myHealth Suraksha Silver

Available through network hospitals

Restoration Benefit

Complete Health Insurance Health Shield

Unlimited Reset Benefit is listed; reset does not trigger on the first claim and remains subject to illness, insured-person and other policy 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

Complete Health Insurance Health Shield

Covered under the policy. 

VS

myHealth Suraksha Silver

Covered

Cumulative Bonus

Complete Health Insurance Health Shield

10% of annual sum insured per claim-free year, up to 50%; accumulated bonus reduces by 10% of annual sum insured following a claim, as specified in the policy.

VS

myHealth Suraksha Silver

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

AYUSH Treatment

Complete Health Insurance Health Shield

Covered under this policy

VS

myHealth Suraksha Silver

Covered

Consumable Cover

Complete Health Insurance Health Shield



VS

myHealth Suraksha Silver

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

Initial Waiting Period

Complete Health Insurance Health Shield

30 days for illnesses; injury-related hospitalisation is excepted.

VS

myHealth Suraksha Silver

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

Specific Waiting Period

Complete Health Insurance Health Shield

24 months for specified illnesses and treatments.

VS

myHealth Suraksha Silver

24 months for listed illnesses and procedures.

PED Waiting Period

Complete Health Insurance Health Shield

24 months for declared and accepted pre-existing diseases.

VS

myHealth Suraksha Silver

4 years under the older Silver variant terms.

Modern Treatment

Complete Health Insurance Health Shield

Not verified as a separately defined benefit in the reviewed Health Shield document.

VS

myHealth Suraksha Silver

Information Unavailable

Annual Health Checkup

Complete Health Insurance Health Shield

Health-check-up coupon each policy year, up to 2 coupons per year for floater policies.

VS

myHealth Suraksha Silver

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

Pre-Hospitalisation

Complete Health Insurance Health Shield

Up to 30 days.

VS

myHealth Suraksha Silver

60 days for eligible expenses.

Post-Hospitalisation

Complete Health Insurance Health Shield

Up to 60 days.

VS

myHealth Suraksha Silver

180 days for eligible expenses.

Outpatient Department Cover (OPD Expense)

Complete Health Insurance Health Shield

Wellness points may be redeemable for eligible outpatient expenses; a fixed comprehensive OPD limit was not verified.

VS

myHealth Suraksha Silver

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

Deductible Option

Complete Health Insurance Health Shield

Not verified in the reviewed Health Shield document.

VS

myHealth Suraksha Silver

Not verified for the exact Silver variant.

Coverage Options

Complete Health Insurance Health Shield

Individual or family floater; listed sum insured options from ₹3 lakh to ₹50 lakh.

VS

myHealth Suraksha Silver

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

Claim Settlement Ratio

Complete Health Insurance Health Shield

FY 2024-25: 83.65%

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

Complete Health Insurance Health Shield

Excluded under the reviewed policy wording, except for stated policy exceptions such as ectopic pregnancy.

VS

myHealth Suraksha Silver

Exact Silver-specific coverage for modern treatments not verified.

Insurance Plans Comparison

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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

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  • 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

Frequently Asked Questions (FAQs)

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