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Insurance Plans Comparison

ICICI Lombard Complete Health Insurance Health Protect Plus Plan vs ICICI Lombard Criti Shield Family Shield

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 Protect Plus Plan

Cover maternity, a newborn and outpatient treatment together with hospital daily cash and a convalescence benefit, and reset up to 100% of the sum insured once in a policy year for a later unrelated illness.

What Makes It Special:

Health Protect Plus is a plan under ICICI Lombard Complete Health Insurance that combines inpatient hospitalisation cover with eligible daycare procedures, inpatient AYUSH treatment, pre- and post-hospitalisation expenses, and a reset benefit. The plan-specific Key Information Sheet also lists maternity cover after a 36-month waiting period, newborn baby cover following...

Best For:

  • Customers comparing hospitalisation benefits with optional critical illness, donor expense or personal accident covers.

  • Buyers who value a limited combined allowance for outpatient treatment and wellness expenses.

  • Policyholders who want a reset benefit after eligible use of the sum insured.

  • Eligible couples seeking maternity benefits with a three-year waiting period and defined delivery limits.

  • Buyers looking for inpatient hospitalisation and eligible daycare treatment cover.

VS
ICICI Lombard

Criti Shield Family Shield

Cover hospitalisation for specified infectious diseases, including listed vector-borne illnesses such as dengue and malaria, and personal accident benefits for death, disablement and accidental hospital treatment.

What Makes It Special:

ICICI Lombard Family Shield combines defined benefits for specified infectious diseases with personal accident and hospital daily cash benefits. Coverage includes selected vector-borne, viral, gastrointestinal and nervous system infections, along with rabies and tetanus. Additional benefits may be available depending on the options selected and the policy certificate.

Best For:

  • Customers who understand that this is a benefit-specific policy and not a substitute for comprehensive hospitalisation insurance.

  • Buyers who want to explore optional benefits such as broken bones or burns cover.

  • People who value fixed hospital daily cash benefits where selected.

  • Families seeking additional financial protection against eligible accidental injuries.

  • Buyers looking for defined benefits for specified infectious diseases.

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 which optional covers have actually been selected and paid for; critical illness, donor expenses and personal accident cover should not be assumed to be included automatically.

  • Treat the ₹5,000 outpatient and wellness allowance as a combined floater limit, not a separate limit for each benefit.

  • Review the cataract sub-limit carefully, as the applicable limit depends on the selected sum insured.

  • If maternity cover matters, check the 36-month waiting period, the requirement for both spouses to be insured and the delivery-related sub-limits.

  • Verify the sum insured and room-rent limits in the policy schedule before comparing premiums or coverage.

  • If you need broad coverage for unrelated illnesses, surgeries and hospital bills, compare this policy with a comprehensive indemnity-based health insurance plan.

  • Review waiting periods carefully, particularly the 30-day waiting period for infectious disease benefits and the pre-existing disease restriction applicable to hospital daily cash benefits.

  • Review the personal accident benefit amounts and definitions of disability before relying on the policy for accident protection.

  • Confirm whether hospital daily cash benefits are included and check the applicable daily limits and eligibility conditions.

  • Check the list of covered infections and their claim requirements to confirm that the policy addresses your priorities.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Complete Health Insurance Health Protect Plus Plan
Complete Health Insurance Health Protect Plus Plan

Health Insurance Plan

Brochure

VS
Criti Shield Family Shield
Criti Shield Family Shield

Health Insurance Plan

Room Rent

Complete Health Insurance Health Protect Plus Plan

ICICI Health Protect Plus offers coverage for room rent, including both normal and ICU hospitalization, without any sub-limits.

VS

Criti Shield Family Shield

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

Complete Health Insurance Health Protect Plus Plan

Covers advanced treatments, including robotic surgeries, stem cell therapy (if medically necessary), oral chemotherapy, and modern procedures like targeted therapy.

VS

Criti Shield Family Shield

  1. Oral Chemotherapy 
  2. Robotic Surgeries 
  3. Stem Cell Therapy 
ICU Charges

Complete Health Insurance Health Protect Plus Plan

Covered under inpatient treatment, subject to applicable policy terms and limits.

VS

Criti Shield Family Shield

ICU-related cash benefits may be available under selected hospital cash benefits; limits depend on the policy certificate.

Co-payment

Complete Health Insurance Health Protect Plus Plan

Does not have a mandatory co-payment for most treatments. However, co-payment may apply for senior citizens or specific medical conditions as per policy terms.

VS

Criti Shield Family Shield

Co payment is applicable as chosen by the insured. 

It allows the insured to opt for 10% or 20% co-payment.

Disease-wise sublimits

Complete Health Insurance Health Protect Plus Plan

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

Criti Shield Family Shield

Benefits are defined for specified infections and accident-related events; applicable limits are benefit-specific and should be confirmed in the policy certificate.

Cashless Healthcare Providers

Complete Health Insurance Health Protect Plus Plan

10,896+ hospitals across india 

VS

Criti Shield Family Shield

10,000+ Healthcare Providers

Restoration Benefit

Complete Health Insurance Health Protect Plus Plan

Reset Benefit restores up to 100% of sum insured once per policy year, subject to policy conditions; it does not trigger on the first claim.

VS

Criti Shield Family Shield

No restoration benefit verified.

Daycare Treatment

Complete Health Insurance Health Protect Plus Plan

Covered under the policy. 

VS

Criti Shield Family Shield

Covers medical procedures requiring hospitalization for less than 24 hours, such as cataract surgery or chemotherapy​

Cumulative Bonus

Complete Health Insurance Health Protect Plus Plan

10% of annual sum insured per claim-free year, up to 50%; a claim can reduce accrued bonus by 10% of annual sum insured at renewal.

VS

Criti Shield Family Shield

No cumulative bonus benefit verified. The published brochure lists a 5% renewal discount and a family discount of up to 7.5%.

AYUSH Treatment

Complete Health Insurance Health Protect Plus Plan

Covered under this policy

VS

Criti Shield Family Shield

.

Consumable Cover

Complete Health Insurance Health Protect Plus Plan

No separate consumables benefit verified in the available plan-specific information.

VS

Criti Shield Family Shield

Not specified.

Initial Waiting Period

Complete Health Insurance Health Protect Plus Plan

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

VS

Criti Shield Family Shield

30 days for specific infectious disease and hospital daily cash benefits; 0 days for personal accident benefits, as stated in the published brochure.

Specific Waiting Period

Complete Health Insurance Health Protect Plus Plan

24 months for specified illnesses and treatments.

VS

Criti Shield Family Shield

30 days for specific infectious disease benefits.

PED Waiting Period

Complete Health Insurance Health Protect Plus Plan

24 months of continuous coverage.

VS

Criti Shield Family Shield

Two-year pre-existing disease restriction specified for Hospital Daily Cash Benefit; applicability to other benefits must be checked in the policy wording.

Modern Treatment

Complete Health Insurance Health Protect Plus Plan

Not verified in the available Health Protect Plus Key Information Sheet.

VS

Criti Shield Family Shield

Not specified as a standalone benefit in the reviewed product information.

Annual Health Checkup

Complete Health Insurance Health Protect Plus Plan

Free health-check-up coupon each policy year, subject to a maximum of 2 coupons annually for floater policies.

VS

Criti Shield Family Shield

Not specified.

Pre-Hospitalisation

Complete Health Insurance Health Protect Plus Plan

Up to 30 days.

VS

Criti Shield Family Shield

Accidental pre-hospitalisation expenses may be covered under the applicable accident benefit; a general time limit was not verified.

Post-Hospitalisation

Complete Health Insurance Health Protect Plus Plan

Up to 60 days.

VS

Criti Shield Family Shield

Accidental pre- and post-hospitalisation expenses may be covered under the applicable accident benefit; a general post-hospitalisation limit was not verified.

Outpatient Department Cover (OPD Expense)

Complete Health Insurance Health Protect Plus Plan

Included with Wellness & Preventive Healthcare within a combined ₹5,000 floater limit.

VS

Criti Shield Family Shield

No general OPD benefit verified. Accident-related diagnostic tests may be covered under the applicable benefit.

Deductible Option

Complete Health Insurance Health Protect Plus Plan

Not verified in the available plan-specific information.

VS

Criti Shield Family Shield

Any deductible or loss-sharing provision must be confirmed in the policy certificate.

Coverage Options

Complete Health Insurance Health Protect Plus Plan

Individual or floater structure; exact sum insured choices require verification from the applicable schedule.

VS

Criti Shield Family Shield

Specific infectious disease benefits, personal accident benefits, hospital daily cash benefits and selected additional benefits.

Claim Settlement Ratio

Complete Health Insurance Health Protect Plus Plan

Not verified against a current, comparable insurer-level CSR disclosure.

VS

Criti Shield Family Shield

FY 2024-25: ~84%


Maternity Cover

Complete Health Insurance Health Protect Plus Plan

Available after 36 months: normal delivery ₹15,000; caesarean delivery ₹25,000; pre- and post-natal expenses ₹2,000 each, subject to eligibility conditions.

VS

Criti Shield Family Shield

Maternity and pregnancy-termination expenses are listed among exclusions.

Insurance Plans Comparison

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Why Choose Our Expert Consultation?

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

24/7 Claim Assistance

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

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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

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