Insurance Plans Comparison
ICICI Lombard Complete Health Insurance Health Shield 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...
Read moreComplete Health Insurance Health Shield Plus Plan
Comprehensive hospitalisation cover with restoration and loyalty benefits
What Makes It Special:
Health Shield Plus is a health insurance variant under ICICI Lombard Complete Health Insurance. It offers inpatient hospitalisation, daycare treatment, AYUSH hospitalisation, listed modern treatments and an Unlimited Reset Benefit. The plan also provides a Loyalty Bonus and extended pre- and post-hospitalisation coverage, subject to the applicable terms, waiting periods,...
Best For:
Buyers who prefer a policy with a Loyalty Bonus that can accumulate over eligible renewals.
People who want extended coverage for eligible medical expenses before and after hospitalisation.
Buyers who value restoration of cover after eligible claims during a policy year.
Families looking for a shared sum insured through a family floater policy.
Individuals seeking health insurance with multiple sum insured options.
VS
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
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Quick Decision Guide
If you need maternity or routine OPD benefits, compare other variants because these are not listed as standard benefits under Health Shield Plus.
Confirm whether the optional co-payment is selected, as it can affect the amount payable by you during a claim.
Check the 24-month waiting periods for pre-existing diseases and specified conditions before purchasing.
Review the room category applicable to your selected sum insured to understand potential out-of-pocket expenses.
Choose the sum insured based on your likely hospitalisation costs, financial exposure and number of insured members.
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 Shield Plus Plan Health Insurance Plan VS VS |
![]() Criti Shield Family Shield Health Insurance Plan |
| Room Rent |
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Complete Health Insurance Health Shield Plus Plan Normal: the plan offers coverage for single private rooms for hospitalization, while ICU expenses are covered up to the sum insured without sub-limits. |
VS VS |
Criti Shield Family Shield
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| Advanced Treatments |
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Complete Health Insurance Health Shield Plus Plan ICICI Health Shield Plus covers advanced medical treatments, ensuring access to modern healthcare. It includes robotic surgeries, stem cell therapy (for approved conditions), targeted cancer therapies, and other cutting-edge procedures. |
VS VS |
Criti Shield Family Shield
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| ICU Charges |
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Complete Health Insurance Health Shield Plus Plan Covered as per eligible hospitalisation expenses and policy limits. |
VS VS |
Criti Shield Family Shield ICU-related cash benefits may be available under selected hospital cash benefits; limits depend on the policy certificate. |
| Disease-wise sublimits |
|---|
Complete Health Insurance Health Shield Plus Plan Cataract treatment is limited to 10% of the sum insured, up to ₹1 lakh per eye. Other applicable limits and exclusions are governed by the policy wording. |
VS 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. |
| Co-payment |
|---|
Complete Health Insurance Health Shield Plus Plan Health Shield Plus may include a copayment clause, requiring policyholders to pay a fixed percentage of the claim amount, especially for senior citizens or specific treatments. The exact copayment percentage varies based on policy terms. |
VS 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. |
| Restoration Benefit |
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Complete Health Insurance Health Shield Plus Plan Unlimited Reset Benefit for different illnesses and once for the same illness, subject to policy conditions. |
VS VS |
Criti Shield Family Shield No restoration benefit verified. |
| Cashless Healthcare Providers |
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Complete Health Insurance Health Shield Plus Plan 10,896+ hospitals across India. |
VS VS |
Criti Shield Family Shield 10,000+ Healthcare Providers |
| Daycare Treatment |
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Complete Health Insurance Health Shield Plus Plan Covered under the policy. |
VS 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 Shield Plus Plan Loyalty Bonus of 20% per year, up to 100% of the sum insured, subject to conditions. |
VS 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 |
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Complete Health Insurance Health Shield Plus Plan . |
VS VS |
Criti Shield Family Shield . |
| Consumable Cover |
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Complete Health Insurance Health Shield Plus Plan Not included as a standard benefit; Claim Protector is listed as an optional cover. |
VS VS |
Criti Shield Family Shield Not specified. |
| Initial Waiting Period |
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Complete Health Insurance Health Shield Plus Plan 30 days for illnesses; accident-related claims are treated as per policy terms. |
VS 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 Shield Plus Plan 24 months for specified diseases and procedures. |
VS VS |
Criti Shield Family Shield 30 days for specific infectious disease benefits. |
| PED Waiting Period |
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Complete Health Insurance Health Shield Plus Plan 24 months for declared and accepted pre-existing diseases, subject to policy conditions. |
VS 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 Shield Plus Plan Covered up to the annual sum insured for listed technological advancements and treatments, subject to policy terms. |
VS VS |
Criti Shield Family Shield Not specified as a standalone benefit in the reviewed product information. |
| Annual Health Checkup |
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Complete Health Insurance Health Shield Plus Plan Preventive health check-up coupons each policy year; limits vary by sum insured. |
VS VS |
Criti Shield Family Shield Not specified. |
| Pre-Hospitalisation |
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Complete Health Insurance Health Shield Plus Plan 60 days. |
VS 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 |
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Complete Health Insurance Health Shield Plus Plan 180 days. |
VS 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 Shield Plus Plan Not included as a standard benefit; the listed OPD treatment cover is not available under this variant. |
VS 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 Shield Plus Plan Not included as a standard benefit; the listed OPD treatment cover is not available under this variant. |
VS VS |
Criti Shield Family Shield Any deductible or loss-sharing provision must be confirmed in the policy certificate. |
| Coverage Options |
|---|
Complete Health Insurance Health Shield Plus Plan Individual and family floater options, with sum insured choices from ₹5 lakh to ₹1 crore. |
VS 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 Shield Plus Plan FY 24-25: 83.65% |
VS VS |
Criti Shield Family Shield FY 2024-25: ~84% |
| Maternity Cover |
|---|
Complete Health Insurance Health Shield Plus Plan Not available under Health Shield Plus as per the reviewed product comparison. |
VS VS |
Criti Shield Family Shield Maternity and pregnancy-termination expenses are listed among exclusions. |
Insurance Plans Comparison
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