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Insurance Plans Comparison

ICICI Lombard Health AdvantEdge vs ICICI Lombard Complete Health Insurance Health Shield

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
ICICI Lombard

Complete Health Insurance Health Shield

Add 10% to the sum insured after every claim-free year, up to 50%, and cover organ-donor expenses up to ₹10 lakh, with domiciliary hospitalisation and air ambulance paid over and above the sum insured.

What Makes It Special:

Health Shield is a variant listed under ICICI Lombard Complete Health Insurance. Its benefits include inpatient hospitalisation, eligible daycare procedures, inpatient AYUSH treatment, pre- and post-hospitalisation expenses, and a reset benefit that can replenish eligible cover after previous claims. The policy also lists a cumulative bonus and wellness services. Coverage...

Best For:

  • Customers who may use the policy's wellness services and preventive health-check-up facilities.

  • Buyers who want eligible daycare and inpatient AYUSH treatment covered.

  • Customers who value a cumulative bonus for claim-free years.

  • Individuals or families comparing different base sum insured options.

  • Buyers looking for hospitalisation cover with a reset benefit for subsequent eligible claims.

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

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.

ICICI Lombard Complete Health Insurance Health Shield

  • Verify that the Health Shield variant is still available and that the quoted UIN matches the policy document before purchase.

  • Compare the cataract sub-limit with your expected needs, especially if selecting a lower sum insured.

  • Check the 24-month PED and specified-disease waiting periods against your medical history.

  • Review the reset rules carefully, including the restrictions on using reset cover for the same illness.

  • Confirm the available sum insured and room-rent limit in the policy schedule before choosing the plan.

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
Complete Health Insurance Health Shield
Complete Health Insurance Health Shield

Health Insurance Plan

Brochure

Room Rent

Health AdvantEdge

Normal: Any category room; Up to Sum Insured

ICU: Up to Sum Insured

VS

Complete Health Insurance Health Shield

Normal: Health Shield offers room rent and ICU coverage without sub-limits, ensuring full financial support for hospitalization, including intensive care expenses.

Advanced Treatments

Health AdvantEdge

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

VS

Complete Health Insurance Health Shield

Covers advanced treatments, including robotic surgeries, stem cell therapy, immunotherapy, and modern cancer treatments

ICU Charges

Health AdvantEdge

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

VS

Complete Health Insurance Health Shield

Covered under eligible inpatient hospitalisation, subject to policy terms.

Co-payment

Health AdvantEdge

0% co-payment

VS

Complete Health Insurance Health Shield

10% of copay will be applied to every admissible claim.

Disease-wise sublimits

Health AdvantEdge



VS

Complete Health Insurance Health Shield

Cataract: ₹20,000 per eye per policy year for sum insured up to ₹5 lakh; ₹1 lakh per eye per policy year for sum insured above ₹5 lakh.

Cashless Healthcare Providers

Health AdvantEdge

Cashless treatment available at network hospitals

VS

Complete Health Insurance Health Shield

10,896+ 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

Complete Health Insurance Health Shield

Unlimited Reset Benefit is listed; reset does not trigger on the first claim and remains subject to illness, insured-person and other policy conditions.

Daycare Treatment

Health AdvantEdge

All daycare procedures covered

VS

Complete Health Insurance Health Shield

Covered under the policy. 

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

Complete Health Insurance Health Shield

10% of annual sum insured per claim-free year, up to 50%; accumulated bonus reduces by 10% of annual sum insured following a claim, as specified in the policy.

AYUSH Treatment

Health AdvantEdge

Covered up to Sum Insured

VS

Complete Health Insurance Health Shield

Covered under this policy

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

Complete Health Insurance Health Shield



Initial Waiting Period

Health AdvantEdge

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

VS

Complete Health Insurance Health Shield

30 days for illnesses; injury-related hospitalisation is excepted.

Specific Waiting Period

Health AdvantEdge

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

VS

Complete Health Insurance Health Shield

24 months for specified illnesses and treatments.

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

Complete Health Insurance Health Shield

24 months for declared and accepted pre-existing diseases.

Modern Treatment

Health AdvantEdge

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

VS

Complete Health Insurance Health Shield

Not verified as a separately defined benefit in the reviewed Health Shield document.

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

Complete Health Insurance Health Shield

Health-check-up coupon each policy year, up to 2 coupons per year for floater policies.

Pre-Hospitalisation

Health AdvantEdge

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

VS

Complete Health Insurance Health Shield

Up to 30 days.

Post-Hospitalisation

Health AdvantEdge

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

VS

Complete Health Insurance Health Shield

Up to 60 days.

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

Complete Health Insurance Health Shield

Wellness points may be redeemable for eligible outpatient expenses; a fixed comprehensive OPD limit was not verified.

Deductible Option

Health AdvantEdge

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

VS

Complete Health Insurance Health Shield

Not verified in the reviewed Health Shield document.

Coverage Options

Health AdvantEdge

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

VS

Complete Health Insurance Health Shield

Individual or family floater; listed sum insured options from ₹3 lakh to ₹50 lakh.

Claim Settlement Ratio

Health AdvantEdge

FY 24-25: ~84%

VS

Complete Health Insurance Health Shield

FY 2024-25: 83.65%

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

Complete Health Insurance Health Shield

Excluded under the reviewed policy wording, except for stated policy exceptions such as ectopic pregnancy.

Insurance Plans Comparison

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Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

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Personalised Recommendations

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  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

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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)

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