Insurance Plans Comparison
ICICI Lombard Health AdvantEdge vs Star Assure
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
Assure
Restore the sum insured up to 100% an unlimited number of times in a policy year for later hospitalisations, earn a 25% cumulative bonus each claim-free year up to 100%, and cover up to nine family members.
What Makes It Special:
Star Health Assure is a flexible, high-limit health insurance plan designed for individuals and families, with coverage options from ₹5 lakh up to ₹2 crore. The plan offers cashless hospitalization across a wide network, daily hospital cash benefits, and no room rent restrictions on standard rooms. It features lifetime renewability,...
Best For:
Health-conscious buyers who can earn up to 20% wellness discount on renewal
People who want room choice without a cap from ₹10 Lakh Sum Insured
Young couples planning a family who want delivery, newborn, assisted reproduction and in-utero surgery cover
Unlimited restoration option plan
Premium floater family health plan
Flexible high-sum insured protection
Flexible options for payment of premium
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.
Things to Consider: Premium varies by zone, and members entering above 65 can get a maximum of ₹50 Lakh cover.
Things to Consider: Maternity is limited to 10% of Sum Insured, has a 24-month wait and requires both spouses to be covered.
Things to Consider: PED waiting period is 36 months, or 30 months only with a 3-year policy.
Things to Consider: Room rent is capped at 1% of Sum Insured per day for ₹5 Lakh and ₹7.5 Lakh covers.
Things to Consider: 10% co-payment applies for anyone who joins at age 61 or older.
Reasons to Consider: Consumables, air ambulance up to 10% of Sum Insured, home care and domiciliary treatment are covered.
Reasons to Consider: Pre- and post-hospitalisation cover of 60 and 180 days.
Reasons to Consider: Cumulative Bonus grows by 25% of Sum Insured for each claim-free year, up to 100%.
You want maternity and newborn coverage included
You want no room rent capping for standard rooms
You value unlimited restoration of sum insured
You want coverage up to ₹2 crore for family
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Health AdvantEdge Health Insurance Plan VS VS |
![]() Assure Health Insurance Plan |
| Room Rent |
|---|
Health AdvantEdge Normal: Any category room; Up to Sum Insured ICU: Up to Sum Insured |
VS VS |
Assure Capped at up to 1% of Sum Insured per day for a ₹5 Lakh cover. For ₹10 Lakh to ₹25 Lakh cover: Any room allowed except suites. For ₹50 Lakh to ₹2 Crore cover: Any room category with zero restrictions (Suites included). Proportionate deduction applies if an higher room tier is chosen. |
| Advanced Treatments |
|---|
Health AdvantEdge Home care treatment, teleconsultations, domestic air ambulance, bariatric surgery, worldwide cover |
VS VS |
Assure Information Unavailable |
| ICU Charges |
|---|
Health AdvantEdge Eligible ICU expenses are covered within the applicable sum insured and policy limits. |
VS VS |
Assure No restriction on ICU room rent |
| Co-payment |
|---|
Health AdvantEdge 0% co-payment |
VS VS |
Assure 0% for entries up to age 60. A mandatory 10% co-payment applies to each and every claim if the insured person's age at entry is 61 years or older. |
| Disease-wise sublimits |
|---|
Health AdvantEdge |
VS VS |
Assure No |
| Cashless Healthcare Providers |
|---|
Health AdvantEdge Cashless treatment available at network hospitals |
VS VS |
Assure 14000+ Healthcare Providers |
| 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 |
Assure Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses |
| Daycare Treatment |
|---|
Health AdvantEdge All daycare procedures covered |
VS VS |
Assure Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| 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 |
Assure 25% of the Sum Insured for each claim-free year, up to a maximum of 100%. |
| AYUSH Treatment |
|---|
Health AdvantEdge Covered up to Sum Insured |
VS VS |
Assure Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| 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 |
Assure Yes |
| Initial Waiting Period |
|---|
Health AdvantEdge 30 days for illnesses, except eligible accident-related hospitalisation. |
VS VS |
Assure 30 days. |
| Specific Waiting Period |
|---|
Health AdvantEdge Generally 24 months for listed diseases and procedures, subject to the applicable wording. |
VS VS |
Assure 2 years |
| 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 |
Assure 36 months (3 years) for 1 and 2-year policy terms; reduced to 30 months if a 3-year policy term is chosen up front. |
| Modern Treatment |
|---|
Health AdvantEdge Listed modern treatments are covered subject to the applicable plan limits and policy wording. |
VS VS |
Assure Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| 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 |
Assure Health check-up is available once every policy year, from day 1 of the policy |
| Pre-Hospitalisation |
|---|
Health AdvantEdge Covered for the period specified in the applicable policy wording; verify the exact duration for the current UIN. |
VS VS |
Assure You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Health AdvantEdge Covered for the period specified in the applicable policy wording; confirm the exact limit for the current UIN. |
VS VS |
Assure You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it |
| 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 |
Assure Not included for general consultations or regular pharmacies. Outpatient benefits are available exclusively for Chronic Severe Refractory Asthma up to specified policy sub-limits. |
| Deductible Option |
|---|
Health AdvantEdge A voluntary deductible may be available under selected configurations; confirm the amount and terms in the policy schedule. |
VS VS |
Assure Available as an option |
| Coverage Options |
|---|
Health AdvantEdge Prime, Royal and Apex plan tiers, with individual and family floater options and optional benefits. |
VS VS |
Assure Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr |
| Claim Settlement Ratio |
|---|
Health AdvantEdge FY 24-25: ~84% |
VS VS |
Assure 82.31% |
| 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 |
Assure Covered up to 10% of the Sum Insured after a continuous 24-month waiting period. Requires both spouses to be covered under the same policy. |
Insurance Plans Comparison
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