Insurance Plans Comparison
Care Enhance Super Top-up One vs ICICI Lombard Golden Shield
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreEnhance Super Top-up One
Extra hospitalisation cover with flexible deductibles to help manage major medical expenses.
What Makes It Special:
Enhance 1 is Care Health Insurance's super top-up health insurance product. The Enhance 1 variant offers a sum insured of ₹1 lakh to ₹30 lakh, with deductible options beginning at ₹50,000. It covers eligible inpatient hospitalisation, specified daycare procedures, organ donor expenses, pre- and post-hospitalisation expenses, annual health check-ups and eligible...
Best For:
Customers seeking flexible cover levels: People who want to choose among the available ₹1 lakh–₹30 lakh sum-insured options and permitted deductible combinations.
People who can manage a deductible: Customers with sufficient base insurance or savings to handle eligible expenses up to the chosen threshold.
Families planning for expensive treatment: Households looking for an additional layer of financial protection, subject to the selected deductible and family floater terms.
Individuals seeking higher hospitalisation cover: Customers who want to supplement their base policy with additional protection for major hospital bills.
Customers with existing health insurance: People who want additional protection against eligible medical expenses that exceed their current coverage.
VS
Golden Shield
Cover hospital care for seniors, with a twin-sharing room below ₹10 lakh and a single private AC room from ₹10 lakh, a 50% co-pay on every admissible claim, and 60 days before admission plus 180 days after discharge.
What Makes It Special:
ICICI Lombard Golden Shield is designed for senior citizens and offers hospitalisation cover through individual and family floater options. Benefits include inpatient treatment, daycare procedures, AYUSH hospitalisation, pre- and post-hospitalisation expenses, domiciliary treatment and a Reset Benefit. The policy also offers a Loyalty Bonus and optional features such as Claim...
Best For:
Buyers seeking additional features such as Claim Protector or Care Management Plus, subject to availability and eligibility.
Customers who want to evaluate options for reducing the policy's standard co-payment.
Buyers who want a reset feature for eligible subsequent hospitalisation claims.
Older couples looking for a shared family floater or individual cover options.
Senior citizens seeking health insurance for eligible hospitalisation expenses.
Insurance Plans Comparison
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Quick Decision Guide
Assess the benefits you actually need. Review daycare coverage, pre- and post-hospitalisation expenses, organ donor cover, exclusions and the absence of an established standard restoration benefit.
Check room eligibility and co-payment. Ensure that a single private room meets your needs and account for the 20% co-payment if the entry-age condition applies.
Review waiting periods. Understand the initial waiting period, the waiting period for specified illnesses and the applicable pre-existing disease waiting period.
Understand how multiple claims are assessed. Check how eligible expenses from separate hospitalisations are accumulated and applied against the deductible during the policy year.
Compare the deductible with your base policy. Check whether your existing health insurance can meet the deductible and whether you can afford any shortfall yourself.
Compare the disease-specific sublimits with your healthcare needs, especially for cataract, cardiovascular treatment, cancer and renal conditions.
Review the 24-month PED and specified-disease waiting periods, along with the separate 90-day exclusion for hypertension, diabetes and cardiac conditions.
Check the room category linked to your sum insured to avoid unexpected proportionate deductions.
Review the base 50% co-payment carefully and compare the additional premium for reducing it to 40%, 30% or 20%.
Select a sum insured based on expected medical expenses and confirm that the desired option is available for your age and health profile.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Enhance Super Top-up One Health Insurance Plan VS VS |
![]() Golden Shield Health Insurance Plan |
| Room Rent |
|---|
Enhance Super Top-up One The documented Enhance 1 offering provides eligibility for a single private room. It does not include the next-category room upgrade advertised for Enhance 2. Choosing a room outside the permitted category may affect claim payment under the applicable policy terms. |
VS VS |
Golden Shield ICICI Lombard's Health Shield plan offers comprehensive coverage with no specific capping on room rent or ICU charges. |
| ICU Charges |
|---|
Enhance Super Top-up One ICU expenses are covered up to the applicable sum insured, without a separate monetary sublimit under the documented Enhance 1 offering. The deductible and other policy conditions still apply. |
VS VS |
Golden Shield Covered under eligible inpatient hospitalisation, subject to the annual sum insured and applicable policy conditions. |
| Advanced Treatments |
|---|
Enhance Super Top-up One Information Unavailable |
VS VS |
Golden Shield The plan covers advanced treatments like robotic surgeries, immunotherapy, oral chemotherapy, stem cell therapy, and minimally invasive procedures for various conditions. |
| Co-payment |
|---|
Enhance Super Top-up One A 20% co-payment applies where the applicable entry-age condition is met: age 61 or older at entry for an individual policy, or the eldest insured member's age at entry for a family floater. The insured must bear the applicable share of admissible expenses. |
VS VS |
Golden Shield The ICICI Lombard Golden Shield plan includes a mandatory 50% co-payment, meaning policyholders are responsible for half of the admissible claim amount, while the insurer covers the remaining 50%. This co-payment applies to all claims made under the policy. |
| Disease-wise sublimits |
|---|
Enhance Super Top-up One The documented schedule provides no separate monetary sublimit for ICU charges and doctors' fees. This does not establish the absence of every disease-specific or treatment-specific restriction; other policy limits and exclusions continue to apply. |
VS VS |
Golden Shield Yes. Cataract and specified cardiovascular, cerebrovascular, cancer, renal, long-bone/joint and robotic-surgery treatments have limits that vary by sum insured. |
| Cashless Healthcare Providers |
|---|
Enhance Super Top-up One Care's official website reports more than 22,100 cashless healthcare providers as of December 2025. Network participation can change, and cashless treatment is subject to hospital participation, pre-authorisation and policy conditions. |
VS VS |
Golden Shield 10,896+ hospitals across India. |
| Restoration Benefit |
|---|
Enhance Super Top-up One An automatic restoration benefit is not established as a standard benefit in the documented Enhance 1 schedule. Do not assume that the sum insured replenishes automatically after a claim. |
VS VS |
Golden Shield Unlimited Reset Benefit of up to 100% of the annual sum insured for eligible subsequent claims. It does not apply to the first claim and has restrictions for the same illness or related complications. |
| Cumulative Bonus |
|---|
Enhance Super Top-up One A cumulative bonus is not included as a standard benefit in the documented Enhance 1 benefit schedule. Do not attribute a bonus advertised for another Care product to this variant. |
VS VS |
Golden Shield Loyalty Bonus accumulates under the policy's renewal rules; accrued bonus is not reduced merely because a claim is made. |
| Daycare Treatment |
|---|
Enhance Super Top-up One The documented prospectus covers 170 specified daycare surgeries or procedures that require less than 24 hours of hospitalisation. Coverage is subject to the applicable list and policy terms. |
VS VS |
Golden Shield Covered under the policy. |
| Consumable Cover |
|---|
Enhance Super Top-up One Separate cover for consumables and non-medical hospital items is not established as a standard benefit. Such expenses should not be assumed payable unless they qualify under the applicable policy terms or an expressly selected benefit. |
VS VS |
Golden Shield Claim Protector is available as an optional cover for eligible non-medical items associated with an accepted inpatient claim. |
| AYUSH Treatment |
|---|
Enhance Super Top-up One Eligible inpatient Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homoeopathy treatment is covered up to the applicable sum insured, subject to policy conditions and eligible treatment requirements. |
VS VS |
Golden Shield Covered under this policy |
| Initial Waiting Period |
|---|
Enhance Super Top-up One 30 days from the policy's commencement for illnesses, subject to the applicable policy terms and the exception for covered accidental injuries. |
VS VS |
Golden Shield 30 days for illnesses, except covered accident-related hospitalisation. |
| Specific Waiting Period |
|---|
Enhance Super Top-up One 24 months of continuous coverage for specified illnesses, surgeries and treatments listed in the applicable policy wording, subject to the stated exceptions. |
VS VS |
Golden Shield 24 months for listed diseases and procedures. |
| PED Waiting Period |
|---|
Enhance Super Top-up One The current Care Enhance product information specifies 36 months of continuous coverage for pre-existing diseases. The exact period applicable to an issued policy depends on its governing wording and endorsements. |
VS VS |
Golden Shield 24 months of continuous coverage for declared and accepted pre-existing diseases. |
| Modern Treatment |
|---|
Enhance Super Top-up One Eligible inpatient and daycare treatment expenses are covered under the applicable policy definitions. Do not assume separate enhanced coverage for every advanced medical technology; admissibility depends on the policy's covered-treatment provisions and exclusions. |
VS VS |
Golden Shield Listed modern treatments are covered up to the annual sum insured, subject to specified sublimits. |
| Annual Health Checkup |
|---|
Enhance Super Top-up One An annual health check-up is available for each covered adult member, irrespective of claim history, subject to the insurer's service and eligibility conditions. |
VS VS |
Golden Shield Information Unavailable |
| Pre-Hospitalisation |
|---|
Enhance Super Top-up One Eligible medical expenses incurred up to 30 days before hospitalisation are covered, subject to their connection with the hospitalisation and the policy's claim conditions. |
VS VS |
Golden Shield 60 days before hospitalisation, subject to policy terms and the accepted inpatient claim. |
| Post-Hospitalisation |
|---|
Enhance Super Top-up One Eligible post-hospitalisation medical expenses are covered for up to 60 days after discharge under the documented Enhance 1 offering, subject to the policy's claim conditions. |
VS VS |
Golden Shield Up to 7% of hospitalisation expenses, subject to a maximum of ₹5,000 for ₹3–5 lakh sum insured, ₹7,000 for ₹10–15 lakh, and ₹10,000 for ₹20–50 lakh. |
| Outpatient Department Cover (OPD Expense) |
|---|
Enhance Super Top-up One Routine outpatient consultations, pharmacy purchases and diagnostic expenses are not established as a standard OPD reimbursement benefit. Certain healthcare services or discounts may be available separately, subject to their applicable terms. |
VS VS |
Golden Shield Not included as a general standard reimbursement benefit. Outpatient consultations may be available through the optional Care Management Plus Program. |
| Deductible Option |
|---|
Enhance Super Top-up One Enhance 1 offers a deductible of ₹50,000 and higher options from ₹1 lakh to ₹10 lakh in the available increments and combinations. The insurer's liability begins only after eligible expenses meet the applicable deductible, as calculated under the policy. |
VS VS |
Golden Shield Optional voluntary deductible of 20% of the annual sum insured, applied on an aggregate basis during the policy year. |
| Coverage Options |
|---|
Enhance Super Top-up One Sum insured ranges from ₹1 lakh to ₹30 lakh in ₹1 lakh multiples. Individual and family floater arrangements are available, subject to the insurer's eligibility rules and permitted deductible/sum-insured combinations. |
VS VS |
Golden Shield Individual or family floater; optional Claim Protector, reduced co-payment, voluntary deductible and Care Management Plus Program. |
| Claim Settlement Ratio |
|---|
Enhance Super Top-up One This is an insurer-level measure, not an Enhance 1-specific guarantee. Use Care Health Insurance's verified ratio for a stated financial year and clearly identified methodology; it should not be interpreted as a promise that an individual claim will be approved. |
VS VS |
Golden Shield FY 24-25: ~84% |
| Maternity Cover |
|---|
Enhance Super Top-up One Maternity and routine delivery expenses are not established as a standard covered benefit under Enhance 1. Service discounts, if available, should not be treated as reimbursement for maternity hospitalisation. |
VS VS |
Golden Shield Not covered under this senior-citizen-focused plan. |
Insurance Plans Comparison
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