Insurance Plans Comparison
ICICI Lombard Health AdvantEdge vs Care Plus Youth
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreHealth AdvantEdge
Stay in any room category and restore 100% of the base sum insured even after only part of it is used, including for the same illness, along with a 20% cumulative bonus up to 100%.
What Makes It Special:
ICICI Lombard Health AdvantEdge is a comprehensive health insurance policy available through individual and family floater configurations. It covers eligible hospitalisation, daycare procedures, domiciliary hospitalisation, pre- and post-hospitalisation expenses, ambulance services and AYUSH treatment. The plan also provides wellness and preventive health check-up benefits, with optional features such as maternity...
Best For:
Buyers who want to evaluate optional maternity, teleconsultation or non-medical expense protection.
Customers interested in preventive health check-ups and wellness services.
Buyers who value restoration and loyalty benefits, subject to policy conditions.
Families who want to share a sum insured through a family floater policy.
Individuals looking for comprehensive health insurance with multiple sum insured options.
VS
Plus Youth
Care Plus Youth is a health insurance plan for young adults, offering hospitalisation cover, unlimited automatic recharge, OPD benefits and protection against rising medical costs.
What Makes It Special:
Care Plus Youth is designed for young adults, with individual and family floater options. Its benefits include hospitalisation, OPD consultations and dental and eye treatments, No Claim Bonus Protect, Inflation Shield and unlimited automatic recharge, subject to policy terms.
Best For:
Couples or families considering optional maternity and newborn cover.
Individuals looking for automatic recharge and a no-claim bonus.
Customers who value OPD consultations and dental and eye treatment benefits.
People who want hospitalisation and eligible daycare treatment cover.
Young adults looking to buy individual health insurance early.
Insurance Plans Comparison
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Quick Decision Guide
Confirm whether your preferred hospitals are in the current cashless network and verify the exact terms shown in your policy schedule.
Compare the additional premium and limits for optional maternity, Claim Protector and other add-on benefits before selecting them.
Check waiting periods for pre-existing diseases and listed conditions before relying on the policy for planned treatment.
Review the room-rent option carefully because selecting a room above the applicable entitlement may affect the claim settlement.
Select the Prime, Royal or Apex tier based on your required sum insured and the options currently offered.
If you need maternity cover, verify eligibility, the 24-month waiting period and the applicable benefit limit.
Check the OPD limits and whether the optional Smart Select benefit suits your preferred hospitals.
Review room-rent and ICU limits based on your chosen sum insured.
Check the 30-day initial waiting period, 24-month named-ailment waiting period and 36-month PED waiting period.
Choose a sum insured that suits your healthcare needs and budget.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Health AdvantEdge Health Insurance Plan VS VS |
Plus Youth Health Insurance Plan |
| Room Rent |
|---|
Health AdvantEdge Normal: Any category room; Up to Sum Insured ICU: Up to Sum Insured |
VS VS |
Plus Youth For sum insured below ₹5 lakh, room rent is limited to 1% of the sum insured per day. For sum insured of ₹5 lakh or above, the brochure lists a single private AC room. |
| Advanced Treatments |
|---|
Health AdvantEdge Home care treatment, teleconsultations, domestic air ambulance, bariatric surgery, worldwide cover |
VS VS |
Plus Youth Information Unavailable |
| ICU Charges |
|---|
Health AdvantEdge Eligible ICU expenses are covered within the applicable sum insured and policy limits. |
VS VS |
Plus Youth For sum insured below ₹5 lakh, ICU charges are limited to 2% of the sum insured per day. For sum insured of ₹5 lakh or above, the brochure states no ICU charge limit. |
| Co-payment |
|---|
Health AdvantEdge 0% co-payment |
VS VS |
Plus Youth The Smart Select optional benefit offers a 15% discount on the base benefit premium and eligible maternity/newborn premium. If treatment is taken at a non-Smart Select network hospital, a 20% co-payment per claim applies under this option. |
| Disease-wise sublimits |
|---|
Health AdvantEdge |
VS VS |
Plus Youth Room-rent, ICU and benefit-specific limits apply. OPD, ambulance and optional maternity/newborn cover have defined monetary limits. Review the policy schedule for other applicable restrictions. |
| Cashless Healthcare Providers |
|---|
Health AdvantEdge Cashless treatment available at network hospitals |
VS VS |
Plus Youth Cashless treatment is available through eligible network hospitals, subject to network status, pre-authorisation and policy conditions. Confirm the current hospital count before publishing a number. |
| Restoration Benefit |
|---|
Health AdvantEdge Restore Benefit can restore up to 100% of the sum insured once in a policy year under the cited policy version, subject to the applicable claim conditions. |
VS VS |
Plus Youth Unlimited Automatic Recharge is included as a listed base benefit. It can replenish the sum insured for eligible claims, subject to the policy’s recharge conditions. |
| Daycare Treatment |
|---|
Health AdvantEdge All daycare procedures covered |
VS VS |
Plus Youth All eligible daycare procedures are covered up to the sum insured, subject to the policy’s definitions and exclusions. |
| Cumulative Bonus |
|---|
Health AdvantEdge Guaranteed Cumulative Bonus of 20% of the sum insured for an eligible claim-free year under the cited policy version; accrued bonus is not reduced by a claim, subject to policy terms. |
VS VS |
Plus Youth No Claim Bonus Protect increases the sum insured by 50% per claim-free policy year, up to 200% of the sum insured. If the total claim amount in a policy year is below 25% of the applicable sum insured, the accrued bonus is not reduced in the subsequent year. If the claim amount reaches or exceeds 25%, the accrued bonus may reduce according to the policy terms. |
| AYUSH Treatment |
|---|
Health AdvantEdge Covered up to Sum Insured |
VS VS |
Plus Youth Eligible AYUSH treatment is covered up to the sum insured, subject to the policy wording. |
| Consumable Cover |
|---|
Health AdvantEdge Claim Protector is available as an optional cover for eligible non-medical expenses, subject to the selected option and policy terms. |
VS VS |
Plus Youth A separate comprehensive consumables benefit is not specified in the uploaded brochure. |
| Initial Waiting Period |
|---|
Health AdvantEdge 30 days for illnesses, except eligible accident-related hospitalisation. |
VS VS |
Plus Youth 30 days from policy commencement for illnesses, except claims arising from accidents, as specified in the brochure. |
| Specific Waiting Period |
|---|
Health AdvantEdge Generally 24 months for listed diseases and procedures, subject to the applicable wording. |
VS VS |
Plus Youth 24 months for named ailments and procedures, subject to the policy wording and applicable exclusions. |
| PED Waiting Period |
|---|
Health AdvantEdge Generally 24 months for declared and accepted pre-existing diseases under the cited policy version; confirm the applicable plan and policy schedule. |
VS VS |
Plus Youth 36 months for pre-existing diseases, subject to disclosure, acceptance and policy terms. |
| Modern Treatment |
|---|
Health AdvantEdge Listed modern treatments are covered subject to the applicable plan limits and policy wording. |
VS VS |
Plus Youth Covers eligible advanced technology treatments up to the sum insured, subject to policy terms, exclusions and applicable treatment definitions. |
| Annual Health Checkup |
|---|
Health AdvantEdge Preventive health check-up coupons are available under the cited policy version for eligible insured adults; package and usage conditions apply. |
VS VS |
Plus Youth Available for adult insured members, subject to the applicable policy terms. |
| Pre-Hospitalisation |
|---|
Health AdvantEdge Covered for the period specified in the applicable policy wording; verify the exact duration for the current UIN. |
VS VS |
Plus Youth Eligible medical expenses are covered for up to 60 days before an admissible hospitalisation, up to the sum insured. |
| Post-Hospitalisation |
|---|
Health AdvantEdge Covered for the period specified in the applicable policy wording; confirm the exact limit for the current UIN. |
VS VS |
Plus Youth Eligible medical expenses are covered for up to 90 days after discharge from an admissible hospitalisation, up to the sum insured. |
| Outpatient Department Cover (OPD Expense) |
|---|
Health AdvantEdge Not a blanket standard OPD reimbursement benefit. Optional BeFit/OPD-related cover may be available with eligible configurations. |
VS VS |
Plus Youth Outpatient consultations and outpatient dental and ophthalmic treatments are covered within specified limits. For sum insured of ₹5 lakh–₹7 lakh, the brochure lists up to ₹1,500; for ₹10 lakh–₹25 lakh, up to ₹2,500. Consultation limits are ₹350 per consultation. |
| Deductible Option |
|---|
Health AdvantEdge A voluntary deductible may be available under selected configurations; confirm the amount and terms in the policy schedule. |
VS VS |
Plus Youth No deductible option is listed in the uploaded brochure’s optional-benefit section. |
| Coverage Options |
|---|
Health AdvantEdge Prime, Royal and Apex plan tiers, with individual and family floater options and optional benefits. |
VS VS |
Plus Youth Available as individual or family floater cover, with annual sum insured options listed from ₹3 lakh to ₹25 lakh. The brochure lists several family combinations. |
| Claim Settlement Ratio |
|---|
Health AdvantEdge FY 24-25: ~84% |
VS VS |
Plus Youth This is an insurer-level metric, not a product-specific ratio. Use Care Health Insurance’s verified latest financial-year claim settlement figure if required; the uploaded brochure does not provide one. |
| Maternity Cover |
|---|
Health AdvantEdge Optional maternity benefit may cover eligible maternity expenses up to 10% of annual sum insured, capped at ₹1 lakh; newborn expenses may be covered over and above this limit, subject to policy terms. |
VS VS |
Plus Youth Optional maternity and newborn cover: ₹15,000 for sum insured up to ₹5 lakh and ₹25,000 for sum insured above ₹5 lakh. Available only under specified family-floater combinations, with a 24-month waiting period and eligibility conditions. |
Insurance Plans Comparison
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