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Insurance Plans Comparison

ICICI Lombard Criti Shield Family Shield vs Star Family Health Optima

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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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.

VS
Star

Family Health Optima

Restore the sum insured three times in a policy year, by 100% each time and only for an unrelated illness, and add a loyalty bonus of 10% of the expiring sum insured at renewal, up to 100%.

What Makes It Special:

Family Health Insurance

Best For:

  • Customers comparing restoration and loyalty bonus benefits.

  • Families wanting eligible AYUSH treatment and preventive health check-ups.

  • Customers seeking pre- and post-hospitalisation benefits.

  • Families looking for hospitalisation and daycare coverage.

  • Families seeking health insurance under a single floater Sum Insured.

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 Criti Shield Family Shield

  • 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.

Star Family Health Optima

  • Check the policy limits for specific treatments and benefits.

  • Review pre- and post-hospitalisation coverage.

  • Check the restoration and loyalty bonus conditions.

  • Understand the 24-month specific disease waiting period and 36-month pre-existing disease waiting period.

  • Review the 30-day initial waiting period.

  • Check the shared accommodation benefit and applicable limits.

  • Review the 20% co-payment applicable to insured persons aged 61 and above at entry.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Criti Shield Family Shield
Criti Shield Family Shield

Health Insurance Plan

Brochure

Policy Wording

VS
Family Health Optima
Family Health Optima

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Criti Shield Family Shield

  1. Normal: Covered Up to Sum Insured
  2. ICU: Covered Up to Sum Insured
VS

Family Health Optima

  1. Shared accommodation is covered within the applicable policy limits.
Advanced Treatments

Criti Shield Family Shield

  1. Oral Chemotherapy 
  2. Robotic Surgeries 
  3. Stem Cell Therapy 
VS

Family Health Optima

Information Unavailable

ICU Charges

Criti Shield Family Shield

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

VS

Family Health Optima

Covered as part of eligible hospitalisation expenses, subject to policy terms.

Co-payment

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.

VS

Family Health Optima

20% of each claim for insured persons whose age at entry is 61 years or above.

Disease-wise sublimits

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.

VS

Family Health Optima

Sublimits apply to specified benefits and treatments, subject to policy terms.

Cashless Healthcare Providers

Criti Shield Family Shield

10,000+ Healthcare Providers

VS

Family Health Optima

Cashless treatment is available at eligible network hospitals, subject to authorisation and policy conditions.

Restoration Benefit

Criti Shield Family Shield

No restoration benefit verified.

VS

Family Health Optima

100% of the Sum Insured is restored up to three times in a policy year, subject to policy conditions.

Daycare Treatment

Criti Shield Family Shield

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

VS

Family Health Optima

Eligible daycare procedures are covered, subject to policy terms.

Cumulative Bonus

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%.

VS

Family Health Optima

Loyalty Bonus is available for eligible Sum Insured options, subject to renewal conditions and policy limits.

AYUSH Treatment

Criti Shield Family Shield

.

VS

Family Health Optima

Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered up to the Sum Insured, subject to policy terms.

Consumable Cover

Criti Shield Family Shield

Not specified.

VS

Family Health Optima

Not specified.

Initial Waiting Period

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.

VS

Family Health Optima

  1. 30 days, except for accidents.
Specific Waiting Period

Criti Shield Family Shield

30 days for specific infectious disease benefits.

VS

Family Health Optima

24 months for specified diseases and procedures.

PED Waiting Period

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.

VS

Family Health Optima

36 months for pre-existing diseases.

Modern Treatment

Criti Shield Family Shield

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

VS

Family Health Optima

  1. Specified modern treatments are covered, subject to policy limits.
Annual Health Checkup

Criti Shield Family Shield

Not specified.

VS

Family Health Optima

Preventive health check-up at network providers, according to the applicable Sum Insured and package.

Pre-Hospitalisation

Criti Shield Family Shield

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

VS

Family Health Optima

Covered for up to 60 days before hospital admission.

Post-Hospitalisation

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.

VS

Family Health Optima

Covered for up to 90 days after discharge.

Outpatient Department Cover (OPD Expense)

Criti Shield Family Shield

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

VS

Family Health Optima

Not specified.

Deductible Option

Criti Shield Family Shield

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

VS

Family Health Optima

Not specified.

Coverage Options

Criti Shield Family Shield

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

VS

Family Health Optima

Family Floater.

Claim Settlement Ratio

Criti Shield Family Shield

FY 2024-25: ~84%


VS

Family Health Optima

Insurer-level metric, not a policy benefit.

Maternity Cover

Criti Shield Family Shield

Maternity and pregnancy-termination expenses are listed among exclusions.

VS

Family Health Optima

Not specified.

Insurance Plans Comparison

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What Our Experts Help You With

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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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Insurance Plans Comparison

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Insurance Plans Comparison

Frequently Asked Questions (FAQs)

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