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Insurance Plans Comparison

ICICI Lombard Health AdvantEdge vs Star Special Care Gold

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
Star

Special Care Gold

Cover hospital bills for a listed disability or HIV with a 20% co-pay, and if the CD4 count falls below 150 after 90 days pay a once-in-a-lifetime lump sum of the sum insured or the remaining balance.

What Makes It Special:

Special Care Gold is designed for persons with disabilities and individuals with HIV/AIDS. The product provides individual indemnity and benefit coverage, with defined eligibility requirements, hospitalisation cover, daycare treatment, AYUSH treatment, modern treatment coverage and a 20% co-payment that can be waived through an optional benefit.

Best For:

  • Customers who need defined coverage with optional co-payment waiver

  • Customers looking for AYUSH hospitalisation coverage

  • Families seeking specialised health insurance for eligible members

  • Eligible individuals living with HIV/AIDS

  • Eligible persons with disabilities

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.

Star Special Care Gold

  • No pre-policy medical test is required, subject to submission requirements.

  • A co-payment waiver is available for additional premium.

  • AYUSH inpatient treatment is covered up to 100% of Sum Insured.

  • Sum Insured options of ₹4 Lakh and ₹5 Lakh are available.

  • The product is specifically structured for disability and HIV/AIDS-related eligibility.

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
Special Care Gold
Special Care Gold

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Health AdvantEdge

Normal: Any category room; Up to Sum Insured

ICU: Up to Sum Insured

VS

Special Care Gold

Up to 1% of Sum Insured per day

Advanced Treatments

Health AdvantEdge

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

VS

Special Care Gold

Information Unavailable

ICU Charges

Health AdvantEdge

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

VS

Special Care Gold

Up to 2% of Sum Insured per day

Co-payment

Health AdvantEdge

0% co-payment

VS

Special Care Gold

20% on all claims; waiver available for additional premium


Disease-wise sublimits

Health AdvantEdge



VS

Special Care Gold

Specified treatment limits apply


Cashless Healthcare Providers

Health AdvantEdge

Cashless treatment available at network hospitals

VS

Special Care Gold

Cashless treatment available at network hospitals


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

Special Care Gold

Not specified

Daycare Treatment

Health AdvantEdge

All daycare procedures covered

VS

Special Care Gold

All daycare procedures covered

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

Special Care Gold

Not specified

AYUSH Treatment

Health AdvantEdge

Covered up to Sum Insured

VS

Special Care Gold

Covered up to 100% of Sum Insured

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

Special Care Gold

Not specified

Initial Waiting Period

Health AdvantEdge

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

VS

Special Care Gold

30 Days for indemnity basis; 90 Days for HIV/AIDS benefit basis


Specific Waiting Period

Health AdvantEdge

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

VS

Special Care Gold

24 Months

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

Special Care Gold

36 Months for PEDs other than specified disability and HIV/AIDS; 24 Months for pre-existing disability


Modern Treatment

Health AdvantEdge

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

VS

Special Care Gold

Covered up to 50% of Sum Insured for listed modern 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

Special Care Gold

Not specified


Pre-Hospitalisation

Health AdvantEdge

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

VS

Special Care Gold

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

Special Care Gold

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

Special Care Gold

Not a standard OPD benefit


Deductible Option

Health AdvantEdge

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

VS

Special Care Gold

Not specified

Coverage Options

Health AdvantEdge

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

VS

Special Care Gold

₹4 Lakh and ₹5 Lakh, individual basis


Claim Settlement Ratio

Health AdvantEdge

FY 24-25: ~84%

VS

Special Care Gold

Not specified


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

Special Care Gold

Not specified as a standard maternity benefit

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

What Our Experts Help You With

Personalised Recommendations

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Insurance Plans Comparison

Explore Insurance Category

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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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