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Insurance Plans Comparison

ICICI Lombard Health AdvantEdge vs Care Supreme (Direct)

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

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ICICI Lombard

Health 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
Care

Supreme (Direct)

Buy Care Supreme Direct Online with an Online Platform Discount, Unlimited Recharge and Comprehensive Health Cover

What Makes It Special:

Online-purchase variant of Care Supreme with an online platform discount. Includes unlimited recharge, no separate room-rent or ICU limit, AYUSH and domiciliary hospitalisation up to SI, and cumulative bonus benefits.

Best For:

  • Online buyers who want to access the available online platform discount while retaining Care Supreme's core benefits.

  • Applicants looking for a policy with no separate room-rent or ICU-charge limit.

  • People who want unlimited recharge for eligible same or different illnesses.

  • Individuals and families seeking comprehensive hospitalisation coverage.

  • Customers who prefer purchasing health insurance online.

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

ICICI Lombard Health AdvantEdge

  • 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.

Care Supreme (Direct)

  • Review optional benefits: Deductibles, co-payment, Smart Select, Cumulative Bonus Super, annual health check-ups and wellness benefits may change the premium or how claims are paid.

  • Check waiting periods: The standard brochure lists 30 days for illnesses, 24 months for named ailments and 48 months for pre-existing diseases.

  • Understand the bonus structure: The base Cumulative Bonus can reach 100% of SI. Optional Cumulative Bonus Super can increase the additional bonus further, subject to its conditions.

  • Choose the right Sum Insured: Compare the available individual and floater options against your expected healthcare expenses.

  • Consider online purchase: Care Supreme Direct is intended for online purchase and offers an online platform discount. Confirm the final premium and discount displayed during purchase.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health AdvantEdge
Health AdvantEdge

Health Insurance Plan

Brochure

Policy Wording

VS
Supreme (Direct)
Supreme (Direct)

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Health AdvantEdge

Normal: Any category room; Up to Sum Insured

ICU: Up to Sum Insured

VS

Supreme (Direct)

Full coverage for ICU and normal room charges up to SI.

Advanced Treatments

Health AdvantEdge

Home care treatment, teleconsultations, domestic air ambulance, bariatric surgery, worldwide cover

VS

Supreme (Direct)

Information Unavailable

ICU Charges

Health AdvantEdge

Eligible ICU expenses are covered within the applicable sum insured and policy limits.

VS

Supreme (Direct)

Full coverage for ICU expenses and normal room charges up to sum insured.

Co-payment

Health AdvantEdge

0% co-payment

VS

Supreme (Direct)

No mandatory co-payment; optional voluntary co-payment available.

Disease-wise sublimits

Health AdvantEdge



VS

Supreme (Direct)

No disease-wise sub-limits.

Cashless Healthcare Providers

Health AdvantEdge

Cashless treatment available at network hospitals

VS

Supreme (Direct)

5,000+ network hospitals across India.

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

Supreme (Direct)

Unlimited restoration benefit available.

Daycare Treatment

Health AdvantEdge

All daycare procedures covered

VS

Supreme (Direct)

Covers 200+ medical procedures: dialysis, chemotherapy, cataract surgery, etc.

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

Supreme (Direct)

Provided annually on no-claim basis (specific % varies by year).

AYUSH Treatment

Health AdvantEdge

Covered up to Sum Insured

VS

Supreme (Direct)

Covered on cashless basis at network facilities.

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

Supreme (Direct)

Included as part of hospitalisation expenses.

Initial Waiting Period

Health AdvantEdge

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

VS

Supreme (Direct)

30 days (except accidents).

Specific Waiting Period

Health AdvantEdge

Generally 24 months for listed diseases and procedures, subject to the applicable wording.

VS

Supreme (Direct)

2 years for specified ailments.

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

Supreme (Direct)

3 years for pre-existing diseases.

Modern Treatment

Health AdvantEdge

Listed modern treatments are covered subject to the applicable plan limits and policy wording.

VS

Supreme (Direct)

Covers cutting-edge procedures: robotic surgery, stem cell therapy, organ transplants, and other advanced treatments.

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

Supreme (Direct)

Available on cashless basis.

Pre-Hospitalisation

Health AdvantEdge

Covered for the period specified in the applicable policy wording; verify the exact duration for the current UIN.

VS

Supreme (Direct)

Pre-existing diseases covered after 3 years waiting period.

Post-Hospitalisation

Health AdvantEdge

Covered for the period specified in the applicable policy wording; confirm the exact limit for the current UIN.

VS

Supreme (Direct)

Covered as part of related hospitalisation medical expenses.

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

Supreme (Direct)

Not available in base plan, present as an add on.

Deductible Option

Health AdvantEdge

A voluntary deductible may be available under selected configurations; confirm the amount and terms in the policy schedule.

VS

Supreme (Direct)

Optional feature available.

Coverage Options

Health AdvantEdge

Prime, Royal and Apex plan tiers, with individual and family floater options and optional benefits.

VS

Supreme (Direct)

Multiple SI options available (varies by plan).

Claim Settlement Ratio

Health AdvantEdge

FY 24-25: ~84%

VS

Supreme (Direct)

80%

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

Supreme (Direct)

Availability to be confirmed from policy document.

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?

End-to-End Support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

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

24/7 Claim Assistance

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.

1-5 of 10 FAQs

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