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Insurance Plans Comparison

Care Senior 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

Senior

Health Insurance for Senior Citizens 60+ with Lifelong Renewability

What Makes It Special:

Care Senior is tailored specifically for the healthcare requirements of senior citizens aged 60 and above.

Best For:

  • Customers wanting automatic recharge protection

  • Families covering elderly parents

  • Elderly individuals seeking senior-specific health screening benefits

  • Buyers looking for health insurance with no upper entry age cap

  • Senior citizens aged 60 and above

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

Care Senior

  • Senior health screening included

  • Inbuilt 1-time automatic sum insured recharge

  • Includes a mandatory 20% co-payment per claim

  • Pre-existing disease waiting period is 48 months (or 24 months based on option)

  • Entry starts from age 60 with no maximum entry age limit

ICICI Lombard Golden Shield

  • 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

Senior
Senior

Health Insurance Plan

Brochure

VS
Golden Shield
Golden Shield

Health Insurance Plan

Brochure

Room Rent

Senior

Room rent is covered up to the sum insured, subject to the applicable room-category terms of the plan.

VS

Golden Shield

ICICI Lombard's Health Shield plan offers comprehensive coverage with no specific capping on room rent or ICU charges.

ICU Charges

Senior

ICU charges are covered up to your sum insured during the policy period.

VS

Golden Shield

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

Advanced Treatments

Senior

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

Senior

20% co-payment is applicable on all claims. An additional 20% co-payment applies for treatment taken outside Smart Select network hospitals.

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

Senior

Yes, sublimits apply to specified diseases and treatments as per the policy terms.

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

Senior

22,100+ cashless healthcare providers.

VS

Golden Shield

10,896+ hospitals across India.

Restoration Benefit

Senior

Yes, your sum insured is automatically recharged by an amount equal to the opted sum insured, unlimited times during the policy year, for related or unrelated illnesses.

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

Senior

Your sum insured increases by 10% for every claim-free year, up to a maximum of 50% of the sum insured.

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

Senior

Covers all eligible Day Care Procedures, including treatments such as cataract, chemotherapy, dialysis and stone removal, up to your sum insured.

VS

Golden Shield

Covered under the policy. 

Consumable Cover

Senior

Consumable expenses are not covered under the plan.

VS

Golden Shield

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

AYUSH Treatment

Senior

Covers AYUSH treatment expenses up to your sum insured, subject to the policy terms and treatment being taken at an AYUSH-certified facility.

VS

Golden Shield

Covered under this policy

Initial Waiting Period

Senior

30 days for illnesses, except injuries caused by an accident.

VS

Golden Shield

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

Specific Waiting Period

Senior

2 years for specified named ailments.

VS

Golden Shield

24 months for listed diseases and procedures.

PED Waiting Period

Senior

3 years for pre-existing diseases.

VS

Golden Shield

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

Modern Treatment

Senior

Modern treatment methods are not covered under the plan.

VS

Golden Shield

Listed modern treatments are covered up to the annual sum insured, subject to specified sublimits.

Annual Health Checkup

Senior

Annual health check-up is available for all insured members.

VS

Golden Shield

Information Unavailable

Pre-Hospitalisation

Senior

You get cover for medical expenses up to 60 days before hospitalisation, subject to the main hospitalisation claim being admissible.

VS

Golden Shield

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

Post-Hospitalisation

Senior

You get cover for medical expenses up to 180 days after discharge from the hospital.

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)

Senior

OPD expense is not included.

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

Senior

Not available as a standard deductible option.

VS

Golden Shield

Optional voluntary deductible of 20% of the annual sum insured, applied on an aggregate basis during the policy year.

Coverage Options

Senior

Available coverage options: ₹3L, ₹5L, ₹7L and ₹10L.

VS

Golden Shield

Individual or family floater; optional Claim Protector, reduced co-payment, voluntary deductible and Care Management Plus Program.

Claim Settlement Ratio

Senior

96.74% for FY 2024-25.

VS

Golden Shield

FY 24-25: ~84%

Maternity Cover

Senior

Not available.

VS

Golden Shield

Not covered under this senior-citizen-focused plan.

Insurance Plans Comparison

Still Confused? Get Expert Advice

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Why Choose Our Expert Consultation?

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Talk to experienced advisors at no cost, and make confident decisions

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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

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

Having questions? We've got answers. Explore our FAQs to find the information you need.

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