Insurance Plans Comparison
Royal Sundaram Multiplier Health vs ICICI Lombard Golden Shield
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreMultiplier 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
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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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
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
![]() Multiplier Health Health Insurance Plan VS VS |
![]() Golden Shield Health Insurance Plan |
| Room Rent |
|---|
Multiplier Health Covered up to Sum Insured Covered up to Sum Insured |
VS VS |
Golden Shield ICICI Lombard's Health Shield plan offers comprehensive coverage with no specific capping on room rent or ICU charges. |
| Advanced Treatments |
|---|
Multiplier Health Covered up to Sum Insured |
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. |
| ICU Charges |
|---|
Multiplier Health Information Unavailable |
VS VS |
Golden Shield Covered under eligible inpatient hospitalisation, subject to the annual sum insured and applicable policy conditions. |
| Co-payment |
|---|
Multiplier Health No mandatory co-pay |
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 |
|---|
Multiplier Health Information Unavailable |
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. |
| Waiting Period |
|---|
Multiplier Health 30 Days 36 Months 24 Months |
VS VS |
Golden Shield Information Unavailable |
| Cashless Healthcare Providers |
|---|
Multiplier Health Cashless Available |
VS VS |
Golden Shield 10,896+ hospitals across India. |
| Restoration Benefit |
|---|
Multiplier Health Information Unavailable |
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. |
| Daycare Treatment |
|---|
Multiplier Health Covered up to Sum Insured |
VS VS |
Golden Shield Covered under the policy. |
| Cumulative Bonus |
|---|
Multiplier Health Information Unavailable |
VS VS |
Golden Shield Loyalty Bonus accumulates under the policy's renewal rules; accrued bonus is not reduced merely because a claim is made. |
| AYUSH Treatment |
|---|
Multiplier Health Covered up to Sum Insured |
VS VS |
Golden Shield Covered under this policy |
| Consumable Cover |
|---|
Multiplier Health Information Unavailable |
VS 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 |
|---|
Multiplier Health Information Unavailable |
VS VS |
Golden Shield 30 days for illnesses, except covered accident-related hospitalisation. |
| Specific Waiting Period |
|---|
Multiplier Health Information Unavailable |
VS VS |
Golden Shield 24 months for listed diseases and procedures. |
| PED Waiting Period |
|---|
Multiplier Health Information Unavailable |
VS VS |
Golden Shield 24 months of continuous coverage for declared and accepted pre-existing diseases. |
| Modern Treatment |
|---|
Multiplier Health Information Unavailable |
VS VS |
Golden Shield Listed modern treatments are covered up to the annual sum insured, subject to specified sublimits. |
| Pre-Hospitalisation |
|---|
Multiplier Health Information Unavailable |
VS VS |
Golden Shield 60 days before hospitalisation, subject to policy terms and the accepted inpatient claim. |
| Post-Hospitalisation |
|---|
Multiplier Health Information Unavailable |
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) |
|---|
Multiplier Health Information Unavailable |
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 |
|---|
Multiplier Health Information Unavailable |
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 |
|---|
Multiplier Health Information Unavailable |
VS VS |
Golden Shield Individual or family floater; optional Claim Protector, reduced co-payment, voluntary deductible and Care Management Plus Program. |
| Claim Settlement Ratio |
|---|
Multiplier Health Information Unavailable |
VS VS |
Golden Shield FY 24-25: ~84% |
| Maternity Cover |
|---|
Multiplier Health Information Unavailable |
VS VS |
Golden Shield Not covered under this senior-citizen-focused plan. |
Insurance Plans Comparison
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