Insurance Plans Comparison
TATA AIG Medicare Senior vs ICICI Lombard Golden Shield
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreMedicare Senior
Cover hospitalisation from age 61 for you and your spouse, with 30 days before admission and 60 days after discharge, 140 listed day-care procedures, and ambulance charges up to ₹2,000 a stay.
What Makes It Special:
Comprehensive health insurance coverage with hospitalization, day care, pre and post-hospitalization, AYUSH, restoration and additional health benefits.
Best For:
Customers looking for additional protection through benefits such as global cover, consumables and second medical opinion
Individuals seeking additional benefits such as restoration, Cumulative Bonus and preventive health check-ups
Customers looking for AYUSH treatment and domiciliary hospitalization coverage
Individuals seeking inpatient and Day Care Treatment coverage
Senior citizens looking for comprehensive health insurance 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
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
Consider Before Buying: Choosing a room category higher than the eligible category mentioned in the policy schedule results in the policyholder bearing 10% of the admissible claim amount.
Consider Before Buying: A 36-month waiting period applies to pre-existing diseases and a 24-month waiting period applies to specified diseases and procedures, subject to the policy terms.
Reasons to Consider: A 50% Cumulative Bonus is added after every claim-free policy year, up to a maximum of 100% of the Sum Insured.
Reasons to Consider: The policy provides automatic restoration of the Basic Sum Insured once during the policy period, subject to applicable conditions.
Reasons to Consider: The policy covers inpatient treatment, Day Care Treatment, pre and post-hospitalization expenses, AYUSH treatment and domiciliary hospitalization.
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
![]() Medicare Senior Health Insurance Plan VS VS |
![]() Golden Shield Health Insurance Plan |
| Room Rent |
|---|
Medicare Senior Covered according to the room category specified in the Policy Schedule. |
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 |
|---|
Medicare Senior Covered as part of eligible inpatient hospitalisation expenses, subject to the Sum Insured and policy terms. |
VS VS |
Golden Shield Covered under eligible inpatient hospitalisation, subject to the annual sum insured and applicable policy conditions. |
| Advanced Treatments |
|---|
Medicare Senior 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 |
|---|
Medicare Senior 10% of the admissible claim amount applies when the insured chooses a room category higher than the eligible room category. |
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 |
|---|
Medicare Senior Applicable limits may apply to specific benefits and treatments as specified in the policy. |
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 |
|---|
Medicare Senior Cashless treatment available at network providers, subject to pre-authorisation and applicable policy conditions. |
VS VS |
Golden Shield 10,896+ hospitals across India. |
| Restoration Benefit |
|---|
Medicare Senior Basic Sum Insured is automatically restored once during the policy period after exhaustion of the Sum Insured and accrued Cumulative Bonus, subject to applicable conditions. |
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 |
|---|
Medicare Senior 50% of Sum Insured for every claim-free year, up to a maximum of 100% of Sum Insured. |
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 |
|---|
Medicare Senior Listed Day Care Procedures are covered as specified under the policy. |
VS VS |
Golden Shield Covered under the policy. |
| Consumable Cover |
|---|
Medicare Senior Covered for specified consumables as per the policy terms. |
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 |
|---|
Medicare Senior Covered for eligible inpatient treatment in an AYUSH Hospital. |
VS VS |
Golden Shield Covered under this policy |
| Initial Waiting Period |
|---|
Medicare Senior 30 days, except for claims arising from accidents |
VS VS |
Golden Shield 30 days for illnesses, except covered accident-related hospitalisation. |
| Specific Waiting Period |
|---|
Medicare Senior 24 months for specified diseases and procedures, subject to applicable policy terms. |
VS VS |
Golden Shield 24 months for listed diseases and procedures. |
| PED Waiting Period |
|---|
Medicare Senior 36 months of continuous coverage. |
VS VS |
Golden Shield 24 months of continuous coverage for declared and accepted pre-existing diseases. |
| Modern Treatment |
|---|
Medicare Senior Covered as per applicable policy terms and conditions. |
VS VS |
Golden Shield Listed modern treatments are covered up to the annual sum insured, subject to specified sublimits. |
| Annual Health Checkup |
|---|
Medicare Senior Available once after every two continuous claim-free policy years, subject to the applicable limit and policy conditions. |
VS VS |
Golden Shield Information Unavailable |
| Pre-Hospitalisation |
|---|
Medicare Senior Covered for up to 60 days before hospitalisation. |
VS VS |
Golden Shield 60 days before hospitalisation, subject to policy terms and the accepted inpatient claim. |
| Post-Hospitalisation |
|---|
Medicare Senior Covered for up to 90 days after discharge. |
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) |
|---|
Medicare Senior Not covered as a general base OPD benefit. |
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 |
|---|
Medicare Senior Not specified as a standard deductible option. |
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 |
|---|
Medicare Senior Individual and Family Floater options, subject to the Sum Insured options available under the policy. |
VS VS |
Golden Shield Individual or family floater; optional Claim Protector, reduced co-payment, voluntary deductible and Care Management Plus Program. |
| Claim Settlement Ratio |
|---|
Medicare Senior Not specified in the supplied policy document. |
VS VS |
Golden Shield FY 24-25: ~84% |
| Maternity Cover |
|---|
Medicare Senior Not covered under the base policy. |
VS VS |
Golden Shield Not covered under this senior-citizen-focused plan. |
Insurance Plans Comparison
Still Confused? Get Expert Advice
Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.
Why Choose Our Expert Consultation?
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
Insurance Plans Comparison
Frequently Asked Questions (FAQs)
Having questions? We've got answers. Explore our FAQs to find the information you need.
Explore Our Most Popular Plans
Compare With Other Health Insurance Plans
Medicare Senior vs Supreme Senior Premium
Medicare Senior vs Energy Silver Without Copay
Medicare Senior vs Ultimate
Medicare Senior vs EquiCover
Medicare Senior vs Optima Secure Global Plus
Medicare Senior vs Optima Secure
Medicare Senior vs Super Mediclaim
Medicare Senior vs Critical Illness Platinum Plan
Medicare Senior vs Health Recharge
Medicare Senior vs Golden Shield
Medicare Senior vs Optima Secure Plus
Medicare Senior vs Cancer Cover Activ Cancer Secure Plan
Medicare Senior vs LifeTime Health Global
Medicare Senior vs Women Care
Medicare Senior vs Aspire Diamond+
Medicare Senior vs Activate Booster Plan A
Medicare Senior vs myHealth Medisure Super Top-up
Medicare Senior vs Health Super Saver Standard
Medicare Senior vs Active Care Premier
Medicare Senior vs ProHealth Accumulate
Medicare Senior vs Health Booster SuperTopup Individual Adult 1 Year N
Medicare Senior vs Supreme Shine
Medicare Senior vs Health Shield 360 Retail
Medicare Senior vs Health Cardiac Care Silver & Gold Plan
Medicare Senior vs myHealth Suraksha Gold
Medicare Senior vs Max Protect Premium
Medicare Senior vs Elder Care
Medicare Senior vs Young Star Gold
Medicare Senior vs Assure
Medicare Senior vs Active Fit Plus
Medicare Senior vs Cancer Care Platinum
Medicare Senior vs Health Connect Elite
Medicare Senior vs Arogya Sanjeevani
Medicare Senior vs OneHealth Premium
Medicare Senior vs ProHealth Prime Protect
Medicare Senior vs Optima Lite
Medicare Senior vs Medicare Plus
Medicare Senior vs Activ Health Platinum Essential
Medicare Senior vs GoActive
Medicare Senior vs Criti Shield Family Shield
Medicare Senior vs Enhance Super Top-up Two
Medicare Senior vs Reassure 3.0
Medicare Senior vs Medicare Protect
Medicare Senior vs Health AdvantEdge Plus
Medicare Senior vs Activ One SAVR
Medicare Senior vs Active Assure Diamond
Medicare Senior vs Activ One VIP
Medicare Senior vs Health Pulse Classic
Medicare Senior vs Advantage
Medicare Senior vs Mediclaim Insurance Policy
Medicare Senior vs iHealth
Medicare Senior vs Special Care Gold
Medicare Senior vs Energy Gold Without Copay
Medicare Senior vs Activ One Max
Medicare Senior vs Smart Super Health
Medicare Senior vs Classic
Medicare Senior vs Activ One Vytl
Medicare Senior vs Supreme
Medicare Senior vs Freedom
Medicare Senior vs Sarvah Pratham
Medicare Senior vs Joy Today
Medicare Senior vs Medi Classic
Medicare Senior vs Activate Booster Plan B
Medicare Senior vs Aspire Gold+
Medicare Senior vs Health Gain
Medicare Senior vs Aspire Platinum+
Medicare Senior vs Plus Complete
Medicare Senior vs Health Companion Family First Plan
Medicare Senior vs Reassure 2.0 Platinum+
Medicare Senior vs Reassure 3.0 Elite
Medicare Senior vs Enhance Super Top-up One
Medicare Senior vs Joy Tomorrow
Medicare Senior vs Reassure 3.0 Select
Medicare Senior vs Activ One VIP+
Medicare Senior vs Red Carpet Senior Citizens
Medicare Senior vs Super Surplus Gold
Medicare Senior vs Health SuperCharge
Medicare Senior vs Health Elite Plus
Medicare Senior vs Medicare Premier
Medicare Senior vs Family Health Optima
Medicare Senior vs Health Companion Variant 2022
Medicare Senior vs Health Companion Variant 3
Medicare Senior vs Plus Youth
Medicare Senior vs ProHealth Prime Advantage
Medicare Senior vs Critical Illness Silver Plan
Medicare Senior vs Health Premia Gold
Medicare Senior vs Health Premia Platinum
Medicare Senior vs Comprehensive
Medicare Senior vs HeartBeat Enhanced
Medicare Senior vs Reassure
Medicare Senior vs Complete Health Insurance Health Shield Plus Plan
Medicare Senior vs myHealth Suraksha Platinum
Medicare Senior vs Health Recharge Super Top Up Plan
Medicare Senior vs Supreme Value for Money
Medicare Senior vs Supreme Enhance Two
Medicare Senior vs Supreme Senior Super
Medicare Senior vs Supreme Enhance
Medicare Senior vs Reassure 2.0 Gold
Medicare Senior vs Active Fit Preferred
Medicare Senior vs LifeTime Health
Medicare Senior vs Medicare
Medicare Senior vs ProHealth Prime Active
Medicare Senior vs ProHealth Prime Senior Elite
Medicare Senior vs Advanced Top Up
Medicare Senior vs Multiplier Health
Medicare Senior vs Ultimate (Direct)
Medicare Senior vs Young Star
Medicare Senior vs Star Women Care Policy
Medicare Senior vs Health Assurance
Medicare Senior vs Family Plus
Medicare Senior vs Sarvah Param
Medicare Senior vs Optima Insurance
Medicare Senior vs Smart Super Health Assure
Medicare Senior vs Criti Shield Plus
Medicare Senior vs Health Care Supreme Ultimo
Medicare Senior vs Super Star
Medicare Senior vs Reassure 3.0 Black
Medicare Senior vs Health Guard Platinum
Medicare Senior vs Health Guard Gold
Medicare Senior vs Elevate (Direct)
Medicare Senior vs Senior First Platinum
Medicare Senior vs Extra Care Plus Super Top-up
Medicare Senior vs Health Care Supreme Smart
Medicare Senior vs Medi Classic Gold
Medicare Senior vs Smart Health Pro
Medicare Senior vs Optima Super Secure
Medicare Senior vs Optima Secure Global
Medicare Senior vs Special Care
Medicare Senior vs Medicare LITE
Medicare Senior vs NextGen
Medicare Senior vs Health Shield 360
Medicare Senior vs SecureHealth
Medicare Senior vs Energy Silver With Copay
Medicare Senior vs Supreme (Direct)
Medicare Senior vs Plus
Medicare Senior vs Medicare Select
Medicare Senior vs Complete Health Insurance Health Protect Plus Plan
Medicare Senior vs myHealth Koti Suraksha
Medicare Senior vs Senior
Medicare Senior vs myHealth Suraksha Silver
Medicare Senior vs Health Booster
Medicare Senior vs Complete Health Insurance Health Shield
Medicare Senior vs Cardiac Care Platinum
Medicare Senior vs Royal Sundaram Lifeline Elite
Medicare Senior vs HeartBeat Platinum
Medicare Senior vs Supreme Enhance One
Medicare Senior vs HeartBeat Gold
Medicare Senior vs Health Companion Variant 2
Medicare Senior vs Health Companion Variant 1
Medicare Senior vs Aspire Titanium+
Medicare Senior vs iHealth Plus
Medicare Senior vs Reassure 3.0 Classic
Medicare Senior vs Senior Health Advantage
Medicare Senior vs Health Wallet
Medicare Senior vs Elevate
Medicare Senior vs Heart
Medicare Senior vs Reassure 2.0 Titanium+
Medicare Senior vs Diabetes Safe Plan A
Medicare Senior vs Reassure 2.0 Bronze+
Medicare Senior vs Young Star Silver
Medicare Senior vs Enhance Super Top-up
Medicare Senior vs Joy
Medicare Senior vs Health Elite
Medicare Senior vs Supreme Senior Health AdvantEdge
Medicare Senior vs Health AdvantEdge
Medicare Senior vs Supreme Super Saver
Medicare Senior vs Health Insurance Platinum
Golden Shield vs Supreme Senior Premium
Golden Shield vs Energy Silver Without Copay
Golden Shield vs Ultimate
Golden Shield vs EquiCover
Golden Shield vs Optima Secure Global Plus
Golden Shield vs Optima Secure
Golden Shield vs Super Mediclaim
Golden Shield vs Critical Illness Platinum Plan
Golden Shield vs Health Recharge
Golden Shield vs Optima Secure Plus
Golden Shield vs Cancer Cover Activ Cancer Secure Plan
Golden Shield vs LifeTime Health Global
Golden Shield vs Women Care
Golden Shield vs Aspire Diamond+
Golden Shield vs Activate Booster Plan A
Golden Shield vs myHealth Medisure Super Top-up
Golden Shield vs Health Super Saver Standard
Golden Shield vs Active Care Premier
Golden Shield vs ProHealth Accumulate
Golden Shield vs Health Booster SuperTopup Individual Adult 1 Year N
Golden Shield vs Supreme Shine
Golden Shield vs Health Shield 360 Retail
Golden Shield vs Health Cardiac Care Silver & Gold Plan
Golden Shield vs myHealth Suraksha Gold
Golden Shield vs Max Protect Premium
Golden Shield vs Elder Care
Golden Shield vs Young Star Gold
Golden Shield vs Assure
Golden Shield vs Active Fit Plus
Golden Shield vs Cancer Care Platinum
Golden Shield vs Health Connect Elite
Golden Shield vs Arogya Sanjeevani
Golden Shield vs OneHealth Premium
Golden Shield vs ProHealth Prime Protect
Golden Shield vs Optima Lite
Golden Shield vs Medicare Plus
Golden Shield vs Activ Health Platinum Essential
Golden Shield vs GoActive
Golden Shield vs Criti Shield Family Shield
Golden Shield vs Medicare Senior
Golden Shield vs Enhance Super Top-up Two
Golden Shield vs Reassure 3.0
Golden Shield vs Medicare Protect
Golden Shield vs Health AdvantEdge Plus
Golden Shield vs Activ One SAVR
Golden Shield vs Active Assure Diamond
Golden Shield vs Activ One VIP
Golden Shield vs Health Pulse Classic
Golden Shield vs Advantage
Golden Shield vs Mediclaim Insurance Policy
Golden Shield vs iHealth
Golden Shield vs Special Care Gold
Golden Shield vs Energy Gold Without Copay
Golden Shield vs Activ One Max
Golden Shield vs Smart Super Health
Golden Shield vs Classic
Golden Shield vs Activ One Vytl
Golden Shield vs Supreme
Golden Shield vs Freedom
Golden Shield vs Sarvah Pratham
Golden Shield vs Joy Today
Golden Shield vs Medi Classic
Golden Shield vs Activate Booster Plan B
Golden Shield vs Aspire Gold+
Golden Shield vs Health Gain
Golden Shield vs Aspire Platinum+
Golden Shield vs Plus Complete
Golden Shield vs Health Companion Family First Plan
Golden Shield vs Reassure 2.0 Platinum+
Golden Shield vs Reassure 3.0 Elite
Golden Shield vs Enhance Super Top-up One
Golden Shield vs Joy Tomorrow
Golden Shield vs Reassure 3.0 Select
Golden Shield vs Activ One VIP+
Golden Shield vs Red Carpet Senior Citizens
Golden Shield vs Super Surplus Gold
Golden Shield vs Health SuperCharge
Golden Shield vs Health Elite Plus
Golden Shield vs Medicare Premier
Golden Shield vs Family Health Optima
Golden Shield vs Health Companion Variant 2022
Golden Shield vs Health Companion Variant 3
Golden Shield vs Plus Youth
Golden Shield vs ProHealth Prime Advantage
Golden Shield vs Critical Illness Silver Plan
Golden Shield vs Health Premia Gold
Golden Shield vs Health Premia Platinum
Golden Shield vs Comprehensive
Golden Shield vs HeartBeat Enhanced
Golden Shield vs Reassure
Golden Shield vs Complete Health Insurance Health Shield Plus Plan
Golden Shield vs myHealth Suraksha Platinum
Golden Shield vs Health Recharge Super Top Up Plan
Golden Shield vs Supreme Value for Money
Golden Shield vs Supreme Enhance Two
Golden Shield vs Supreme Senior Super
Golden Shield vs Supreme Enhance
Golden Shield vs Reassure 2.0 Gold
Golden Shield vs Active Fit Preferred
Golden Shield vs LifeTime Health
Golden Shield vs Medicare
Golden Shield vs ProHealth Prime Active
Golden Shield vs ProHealth Prime Senior Elite
Golden Shield vs Advanced Top Up
Golden Shield vs Multiplier Health
Golden Shield vs Ultimate (Direct)
Golden Shield vs Young Star
Golden Shield vs Star Women Care Policy
Golden Shield vs Health Assurance
Golden Shield vs Family Plus
Golden Shield vs Sarvah Param
Golden Shield vs Optima Insurance
Golden Shield vs Smart Super Health Assure
Golden Shield vs Criti Shield Plus
Golden Shield vs Health Care Supreme Ultimo
Golden Shield vs Super Star
Golden Shield vs Reassure 3.0 Black
Golden Shield vs Health Guard Platinum
Golden Shield vs Health Guard Gold
Golden Shield vs Elevate (Direct)
Golden Shield vs Senior First Platinum
Golden Shield vs Extra Care Plus Super Top-up
Golden Shield vs Health Care Supreme Smart
Golden Shield vs Medi Classic Gold
Golden Shield vs Smart Health Pro
Golden Shield vs Optima Super Secure
Golden Shield vs Optima Secure Global
Golden Shield vs Special Care
Golden Shield vs Medicare LITE
Golden Shield vs NextGen
Golden Shield vs Health Shield 360
Golden Shield vs SecureHealth
Golden Shield vs Energy Silver With Copay
Golden Shield vs Supreme (Direct)
Golden Shield vs Plus
Golden Shield vs Medicare Select
Golden Shield vs Complete Health Insurance Health Protect Plus Plan
Golden Shield vs myHealth Koti Suraksha
Golden Shield vs Senior
Golden Shield vs myHealth Suraksha Silver
Golden Shield vs Health Booster
Golden Shield vs Complete Health Insurance Health Shield
Golden Shield vs Cardiac Care Platinum
Golden Shield vs Royal Sundaram Lifeline Elite
Golden Shield vs HeartBeat Platinum
Golden Shield vs Supreme Enhance One
Golden Shield vs HeartBeat Gold
Golden Shield vs Health Companion Variant 2
Golden Shield vs Health Companion Variant 1
Golden Shield vs Aspire Titanium+
Golden Shield vs iHealth Plus
Golden Shield vs Reassure 3.0 Classic
Golden Shield vs Senior Health Advantage
Golden Shield vs Health Wallet
Golden Shield vs Elevate
Golden Shield vs Heart
Golden Shield vs Reassure 2.0 Titanium+
Golden Shield vs Diabetes Safe Plan A
Golden Shield vs Reassure 2.0 Bronze+
Golden Shield vs Young Star Silver
Golden Shield vs Enhance Super Top-up
Golden Shield vs Joy
Golden Shield vs Health Elite
Golden Shield vs Supreme Senior Health AdvantEdge
Golden Shield vs Health AdvantEdge
Golden Shield vs Supreme Super Saver
Golden Shield vs Health Insurance Platinum
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.







.png)