Insurance Plans Comparison
Royal Sundaram Multiplier Health 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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Multiplier Health
Add four times the sum insured, including any no-claim bonus, for a life-threatening condition, up to four times in a lifetime, and reload the base sum insured once in a policy year even for the same illness.
What Makes It Special:
Multiplier Health is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.
Best For:
- Not available
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
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
Not available
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
Multiplier Health Health Insurance Plan VS VS |
Criti Shield Family Shield Health Insurance Plan |
| Room Rent |
|---|
Multiplier Health Covered up to Sum Insured Covered up to Sum Insured |
VS VS |
Criti Shield Family Shield
|
| Advanced Treatments |
|---|
Multiplier Health Covered up to Sum Insured |
VS VS |
Criti Shield Family Shield
|
| ICU Charges |
|---|
Multiplier Health Information Unavailable |
VS 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 |
|---|
Multiplier Health No mandatory co-pay |
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. |
| Disease-wise sublimits |
|---|
Multiplier Health Information Unavailable |
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. |
| Waiting Period |
|---|
Multiplier Health 30 Days 36 Months 24 Months |
VS VS |
Criti Shield Family Shield Information Unavailable |
| Cashless Healthcare Providers |
|---|
Multiplier Health Cashless Available |
VS VS |
Criti Shield Family Shield 10,000+ Healthcare Providers |
| Restoration Benefit |
|---|
Multiplier Health Information Unavailable |
VS VS |
Criti Shield Family Shield No restoration benefit verified. |
| Daycare Treatment |
|---|
Multiplier Health Covered up to Sum Insured |
VS VS |
Criti Shield Family Shield Covers medical procedures requiring hospitalization for less than 24 hours, such as cataract surgery or chemotherapy |
| Cumulative Bonus |
|---|
Multiplier Health Information Unavailable |
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 |
|---|
Multiplier Health Covered up to Sum Insured |
VS VS |
Criti Shield Family Shield . |
| Consumable Cover |
|---|
Multiplier Health Information Unavailable |
VS VS |
Criti Shield Family Shield Not specified. |
| Initial Waiting Period |
|---|
Multiplier Health Information Unavailable |
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 |
|---|
Multiplier Health Information Unavailable |
VS VS |
Criti Shield Family Shield 30 days for specific infectious disease benefits. |
| PED Waiting Period |
|---|
Multiplier Health Information Unavailable |
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 |
|---|
Multiplier Health Information Unavailable |
VS VS |
Criti Shield Family Shield Not specified as a standalone benefit in the reviewed product information. |
| Annual Health Checkup |
|---|
Multiplier Health Information Unavailable |
VS VS |
Criti Shield Family Shield Not specified. |
| Pre-Hospitalisation |
|---|
Multiplier Health Information Unavailable |
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 |
|---|
Multiplier Health Information Unavailable |
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) |
|---|
Multiplier Health Information Unavailable |
VS VS |
Criti Shield Family Shield No general OPD benefit verified. Accident-related diagnostic tests may be covered under the applicable benefit. |
| Deductible Option |
|---|
Multiplier Health Information Unavailable |
VS VS |
Criti Shield Family Shield Any deductible or loss-sharing provision must be confirmed in the policy certificate. |
| Coverage Options |
|---|
Multiplier Health Information Unavailable |
VS VS |
Criti Shield Family Shield Specific infectious disease benefits, personal accident benefits, hospital daily cash benefits and selected additional benefits. |
| Claim Settlement Ratio |
|---|
Multiplier Health Information Unavailable |
VS VS |
Criti Shield Family Shield FY 2024-25: ~84% |
| Maternity Cover |
|---|
Multiplier Health Information Unavailable |
VS VS |
Criti Shield Family Shield Maternity and pregnancy-termination expenses are listed among exclusions. |
Insurance Plans Comparison
Still Confused? Get Expert Advice
Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.
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Talk to experienced advisors at no cost, and make confident decisions
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
Smart, Tech-Enabled Experience
From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free
Insurance Plans Comparison
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Frequently Asked Questions (FAQs)
Having questions? We've got answers. Explore our FAQs to find the information you need.
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