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Insurance Plans Comparison

ICICI Lombard Health AdvantEdge vs Star Health Gain

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

Health Gain

Cover inpatient hospital bills and outpatient treatment at networked facilities in India, and carry unused outpatient benefit into the next policy year on renewal, for that one following year only.

What Makes It Special:

Inpatient Hospitalisation and Outpatient Medical Expenses

Best For:

  • Customers looking for daycare and eligible AYUSH treatment coverage.

  • Customers who use outpatient services at networked facilities.

  • Customers seeking flexible Sum Insured options.

  • Families looking for Individual or Family Floater coverage.

  • Individuals seeking inpatient and outpatient health insurance benefits.

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 Health Gain

  • Check the treatment-specific sublimits.

  • Review the pre- and post-hospitalisation benefit periods.

  • Check the selected OPD benefit limit.

  • Understand the waiting periods for pre-existing diseases and specified treatments.

  • Review the co-payment applicable to entry age 61 and above.

  • Check the room rent limit.

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
Health Gain
Health Gain

Health Insurance Plan

Brochure

Room Rent

Health AdvantEdge

Normal: Any category room; Up to Sum Insured

ICU: Up to Sum Insured

VS

Health Gain

  1. Up to 1% of the basic Sum Insured per day.
Advanced Treatments

Health AdvantEdge

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

VS

Health Gain

Information Unavailable

ICU Charges

Health AdvantEdge

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

VS

Health Gain

Covered as part of eligible hospitalisation expenses.

Co-payment

Health AdvantEdge

0% co-payment

VS

Health Gain

20% for insured persons whose age at entry is 61 years and above.

Disease-wise sublimits

Health AdvantEdge



VS

Health Gain

Sublimits apply to specified treatments, including cataract and listed modern treatments.

Cashless Healthcare Providers

Health AdvantEdge

Cashless treatment available at network hospitals

VS

Health Gain

Cashless treatment is available at eligible network hospitals, subject to pre-authorisation.

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

Health Gain

Not specified.

Daycare Treatment

Health AdvantEdge

All daycare procedures covered

VS

Health Gain

Eligible daycare procedures are covered, subject to policy terms.

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

Health Gain

Not specified.

AYUSH Treatment

Health AdvantEdge

Covered up to Sum Insured

VS

Health Gain

Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered, subject to policy terms.

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

Health Gain

Not specified.

Initial Waiting Period

Health AdvantEdge

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

VS

Health Gain

30 days, except for covered accident-related claims.

Specific Waiting Period

Health AdvantEdge

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

VS

Health Gain

24 months for specified diseases and procedures.

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

Health Gain

36 months for pre-existing diseases.

Modern Treatment

Health AdvantEdge

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

VS

Health Gain

Specified modern treatments are covered, subject to policy limits.

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

Health Gain

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

Health Gain

Covered for up to 30 days before hospital admission.

Post-Hospitalisation

Health AdvantEdge

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

VS

Health Gain

Covered for up to 60 days after discharge.

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

Health Gain

Available at networked facilities in India, up to the selected benefit limit.

Deductible Option

Health AdvantEdge

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

VS

Health Gain

Not specified.

Coverage Options

Health AdvantEdge

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

VS

Health Gain

Individual and Family Floater.

Claim Settlement Ratio

Health AdvantEdge

FY 24-25: ~84%

VS

Health Gain

Insurer-level metric, not a policy benefit.

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

Health Gain

Maternity expenses are excluded, except for the specified ectopic pregnancy exception.

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

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

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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

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  • Tailored for seniors healthcare needs

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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)

Having questions? We've got answers. Explore our FAQs to find the information you need.

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