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Insurance Plans Comparison

Care Enhance Super Top-up vs ICICI Lombard Golden Shield

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

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Care

Enhance Super Top-up

Additional health insurance protection beyond your deductible for major hospitalisation expenses.

What Makes It Special:

Care Enhance is a super top-up health insurance plan from Care Health Insurance that adds financial protection after eligible medical expenses cross the selected annual deductible. Enhance 1 offers cover up to ₹30 lakh, while Enhance 2 provides specified combinations up to ₹55 lakh. The plan covers eligible inpatient hospitalisation, daycare...

Best For:

  • Customers wanting flexible coverage levels: Applicants comparing the different sum-insured and deductible combinations available under Enhance 1 and Enhance 2.

  • People comfortable with a deductible: Customers who have sufficient base insurance or savings to handle expenses up to the selected threshold.

  • Customers planning for major hospital bills: Individuals concerned about costly inpatient treatment, ICU care and eligible daycare procedures.

  • Families seeking higher overall protection: Households that want to supplement an existing policy with a larger potential pool of hospitalisation cover.

  • People with existing health insurance: Customers who want an additional layer of financial protection once eligible annual medical expenses cross a chosen deductible.

VS
ICICI Lombard

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

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 the actual policy version, not just the headline sum insured. Review hospitalisation benefits, pre- and post-hospitalisation periods, exclusions and any benefits you expect to use before choosing the plan.

  • Check room eligibility and co-payment. Compare the room categories under Enhance 1 and Enhance 2 and assess the financial impact of the 20% co-payment where the entry-age condition applies.

  • Review waiting periods before buying. The initial waiting period, specified-illness waiting period and pre-existing disease waiting period can affect when coverage becomes available.

  • Understand how annual expenses are counted. A super top-up generally considers eligible medical expenses accumulated during the policy year, subject to its deductible provisions. Check how multiple claims and expenses are assessed.

  • Match the deductible to your existing cover. Check whether your base policy's sum insured is sufficient to meet the deductible. If it is lower, you may need to fund the gap 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
Enhance Super Top-up

Health Insurance Plan

VS
Golden Shield
Golden Shield

Health Insurance Plan

Brochure

Room Rent

Enhance Super Top-up

Single private AC room eligibility, with room-category conditions varying by Enhance option. Check the schedule for the selected option before admission to avoid room-related deductions.

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

ICU expenses are covered up to the sum insured, with no separate ICU sub-limit listed on the insurer's product page.

VS

Golden Shield

Covered under eligible inpatient hospitalisation, subject to the annual sum insured and applicable policy conditions.

Advanced Treatments

Enhance Super Top-up

Information Unavailable

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

A 20% co-payment applies if the policy is purchased at age 61 or above. The insured member bears 20% of the admissible claim amount, with the balance payable subject to the policy terms.

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

The plan is presented as having no disease-wise sub-limits for covered hospitalisation benefits. Claims remain subject to the deductible, sum insured, exclusions, admissibility rules and other policy conditions.

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

Cashless treatment is available at the insurer's network hospitals, subject to pre-authorisation and policy terms. The insurer currently advertises a network of over 22,100 cashless healthcare providers; availability can change.

VS

Golden Shield

10,896+ hospitals across India.

Restoration Benefit

Enhance Super Top-up

Unlimited automatic recharge is listed on the insurer's current product page. The sum insured can be recharged by an amount equal to the selected sum insured, multiple times in a policy year, subject to policy conditions.

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

The sum insured increases by 50% of the base sum insured for each policy year, up to a maximum increase of 100%. Accrued bonus is not reduced on renewal because of a claim, subject to policy terms.

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

Covers eligible daycare procedures that do not require a 24-hour hospital stay, subject to the policy terms and applicable procedure conditions.

VS

Golden Shield

Covered under the policy. 

AYUSH Treatment

Enhance Super Top-up

Inpatient AYUSH treatment is covered up to the sum insured when hospitalisation takes place in an AYUSH-certified clinic, subject to policy terms.

VS

Golden Shield

Covered under this policy

Consumable Cover

Enhance Super Top-up

Routine non-medical consumables are not listed as a separate standard benefit. Check the policy's admissible-expense rules before assuming consumables such as gloves, masks or other non-medical items will be reimbursed.

VS

Golden Shield

Claim Protector is available as an optional cover for eligible non-medical items associated with an accepted inpatient claim.

Initial Waiting Period

Enhance Super Top-up

30 days for illnesses from the policy start date, except injuries, subject to the policy terms.

VS

Golden Shield

30 days for illnesses, except covered accident-related hospitalisation.

Specific Waiting Period

Enhance Super Top-up

24 months for specified illnesses and procedures, subject to the applicable list and policy conditions.

VS

Golden Shield

24 months for listed diseases and procedures.

PED Waiting Period

Enhance Super Top-up

36 months of continuous coverage for pre-existing diseases, subject to policy terms and underwriting.

VS

Golden Shield

24 months of continuous coverage for declared and accepted pre-existing diseases.

Modern Treatment

Enhance Super Top-up

Covers eligible advanced technology treatments, subject to the policy's specified treatment list, medical necessity and applicable terms. Covered expenses are payable up to the sum insured.

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

Annual health check-ups are available for covered adult members regardless of previous claim history, subject to the policy terms.

VS

Golden Shield

Information Unavailable

Pre-Hospitalisation

Enhance Super Top-up

Eligible medical expenses incurred up to 60 days before hospitalisation are covered, subject to policy conditions and the relationship of the expenses to the hospitalisation.

VS

Golden Shield

60 days before hospitalisation, subject to policy terms and the accepted inpatient claim.

Post-Hospitalisation

Enhance Super Top-up

Eligible medical expenses for up to 180 days after discharge are covered under the insurer's current product listing, subject to policy conditions.

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

Routine OPD treatment is not a core hospitalisation benefit. The plan lists unlimited general-physician e-consultations and discounts on selected healthcare services.

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

A deductible applies before the super top-up pays eligible expenses. Options vary by plan variant; the deductible must be considered alongside the base health insurance and the amount the customer can pay personally.

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

Available on an individual and family floater basis. The plan offers Enhance 1 and Enhance 2 options with different sum insured and deductible combinations. The maximum sum insured is ₹55 lakh.

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

Care Health Insurance's insurer-level claim settlement ratio should be displayed using the verified financial year and published methodology adopted by OneAssure. It is not a separate benefit or guarantee of an individual claim.

VS

Golden Shield

FY 24-25: ~84%

Maternity Cover

Enhance Super Top-up

Maternity expenses, including childbirth-related expenses, are generally excluded. The plan's healthcare-service discount programme may offer discounts on maternity services, but this is not the same as insurance coverage for maternity expenses.

VS

Golden Shield

Not covered under this senior-citizen-focused plan.

Insurance Plans Comparison

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Explore Insurance Category

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Senior Citizen Health Plan

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  • Tailored for seniors healthcare needs

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Family Health Plan

  • One policy covers the entire family

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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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