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Insurance Plans Comparison

ICICI Lombard Health Shield 360 Retail 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

Health Shield 360 Retail

Reset up to 100% of the sum insured once for the same illness and unlimited times for a different illness, and add a 20% cumulative bonus each claim-free year, up to 100% of the sum insured.

What Makes It Special:

Health Shield 360 Retail provides cover for eligible in-patient hospitalisation, day-care procedures, specified modern treatments, pre- and post-hospitalisation expenses, and in-patient AYUSH treatment. Its Reset Benefit can replenish cover within defined limits, while the Guaranteed Cumulative Bonus may increase the available cover after claim-free policy years. Wellness services and optional...

Best For:

  • Buyers interested in wellness services and optional benefits, provided the required cover is selected and recorded in the policy schedule.

  • People looking for a cumulative bonus that can increase available cover after claim-free years.

  • Buyers who value a reset benefit for eligible future hospitalisation claims.

  • Families considering a family-floater option, where eligible family members can be covered under one policy.

  • Individuals seeking health insurance for eligible hospitalisation and day-care treatment expenses.

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

  • Compare optional benefits and their additional premiums against your needs, because an optional cover applies only when it has been selected and recorded in the policy documents.

  • Understand the Reset Benefit conditions, including the restriction on using it for the first claim and the rules for repeated claims relating to the same illness or injury.

  • Confirm the room eligibility, applicable co-payment, deductible and any disease or procedure sublimits in your Policy Schedule.

  • Review the waiting periods for pre-existing diseases and specified illnesses before relying on the policy for planned treatment.

  • Check the selected Sum Insured and whether an individual or family-floater policy suits the people you want to insure.

  • 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

Health Shield 360 Retail
Health Shield 360 Retail

Health Insurance Plan

VS
Criti Shield Family Shield
Criti Shield Family Shield

Health Insurance Plan

Room Rent

Health Shield 360 Retail

Covered up to Annual Sum Insured as per plan opted

Covered up to Annual Sum Insured

VS

Criti Shield Family Shield

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

Health Shield 360 Retail

Uterine Artery Embolization (UAE) and HIFU

Immunotherapy (Monoclonal Antibody Injection)

Green Laser/Holmium Laser Treatment for Prostate

Stem Cell Therapy for Hematological Conditions

Balloon Sinuplasty

Oral Chemotherapy

Robotic Surgeries

Stereotactic Radio Surgery

Deep Brain Stimulation

Intra Vitreal Injections

Bronchial Thermoplasty

Intra Operative Neuro Monitoring (IONM)

VS

Criti Shield Family Shield

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

Health Shield 360 Retail

Eligible ICU expenses are covered under in-patient treatment, within the applicable Annual Sum Insured and policy conditions.

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

Health Shield 360 Retail

Not mentioned

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

Health Shield 360 Retail

Any applicable sublimits for specified illnesses, procedures or benefits are governed by the Policy Schedule and selected plan.

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

Health Shield 360 Retail

Available through network hospitals and healthcare providers

VS

Criti Shield Family Shield

10,000+ Healthcare Providers

Restoration Benefit

Health Shield 360 Retail

Information Unavailable

VS

Criti Shield Family Shield

No restoration benefit verified.

Daycare Treatment

Health Shield 360 Retail

Covered up to Annual Sum Insured

VS

Criti Shield Family Shield

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

Cumulative Bonus

Health Shield 360 Retail

Guaranteed Cumulative Bonus can increase by 20% of the applicable Annual Sum Insured for each claim-free policy year, up to 100%.

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

Health Shield 360 Retail

Covered up to Annual Sum Insured

VS

Criti Shield Family Shield

.

Consumable Cover

Health Shield 360 Retail

Eligible consumables are covered as part of hospitalisation expenses, except items listed as excluded non-medical expenses.

VS

Criti Shield Family Shield

Not specified.

Initial Waiting Period

Health Shield 360 Retail

A 30-day waiting period applies to illnesses, subject to the policy wording and applicable exceptions. Accidental injuries are treated according to the policy’s terms.

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

Health Shield 360 Retail

Listed diseases and procedures may be subject to specific waiting periods. The applicable period and exclusions should be checked against the policy schedule and wording.

VS

Criti Shield Family Shield

30 days for specific infectious disease benefits.

PED Waiting Period

Health Shield 360 Retail

Pre-existing diseases are subject to the applicable waiting period and acceptance terms stated in the policy documents.

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

Health Shield 360 Retail

Covers specified modern treatments and procedures, including eligible robotic surgeries, oral chemotherapy and other listed treatments, subject to policy terms.

VS

Criti Shield Family Shield

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

Annual Health Checkup

Health Shield 360 Retail

Annual check-up benefits are available under the applicable cover and plan terms. Eligibility and limits depend on the selected option.

VS

Criti Shield Family Shield

Not specified.

Pre-Hospitalisation

Health Shield 360 Retail

Eligible medical expenses incurred before hospitalisation are covered for the period and within the limits specified in the Policy Schedule, subject to the related hospitalisation claim being admissible.

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

Health Shield 360 Retail

Eligible post-hospitalisation medical expenses are covered for the period and limits specified in the Policy Schedule, subject to acceptance of the related hospitalisation claim.

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)

Health Shield 360 Retail

Out-patient consultations and other OPD services may be available under the applicable optional cover, subject to its limits and conditions.

VS

Criti Shield Family Shield

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

Deductible Option

Health Shield 360 Retail

A deductible, where applicable to the selected cover, is governed by the Policy Schedule and the terms of that cover.

VS

Criti Shield Family Shield

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

Coverage Options

Health Shield 360 Retail

The policy may be issued on an individual or family-floater basis, as recorded in the Policy Schedule.

VS

Criti Shield Family Shield

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

Claim Settlement Ratio

Health Shield 360 Retail

FY 24-25: ~84%

VS

Criti Shield Family Shield

FY 2024-25: ~84%


Maternity Cover

Health Shield 360 Retail

Maternity-related expenses are covered only where the applicable cover is selected and recorded in the Policy Schedule, subject to its waiting period, limits and conditions.

VS

Criti Shield Family Shield

Maternity and pregnancy-termination expenses are listed among exclusions.

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

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  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

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  • 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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Health Shield 360 Retail Vs Criti Shield Family Shield

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