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Insurance Plans Comparison

ICICI Lombard Health AdvantEdge Plus vs Care Advantage

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 Plus

Cover pre-existing diseases with no waiting period, reset the sum insured unlimited times for any illness after the first claim, once only at ₹5 lakh or seven-and-a-half lakh, and keep a 20% cumulative bonus up to 100% after a claim.

What Makes It Special:

The Royal Plus Plan under ICICI Lombard Health AdvantEdge offers sum insured options from ₹5 lakh to ₹3 crore, along with eligible hospitalisation, daycare, AYUSH, home care and pre- and post-hospitalisation benefits. Its distinguishing features include a guaranteed cumulative bonus, reset benefit, and Claim Protector at specified sum insured levels....

Best For:

  • Buyers who want to compare higher sum insured options and additional benefits against their budget and coverage needs.

  • Families considering optional maternity-related benefits, subject to eligibility and waiting periods.

  • People looking for a cumulative bonus that can increase cover over eligible claim-free periods.

  • Buyers who value a restore benefit for eligible subsequent claims in the same policy year.

  • People seeking cover for eligible hospitalisation and day-care treatment expenses.

VS
Care

Advantage

Get a sum insured of up to ₹1 crore with no room rent or ICU sub-limit, an automatic recharge once in a policy year, and a 10% no claim bonus that can grow to 50% of the sum insured.

What Makes It Special:

Premium plan offering high Sum Insured up to ₹1 Crore with optional global coverage.

Best For:

  • Nationwide cashless treatment network

  • High sum insured with flexible add-ons

  • Broad coverage including AYUSH and daycare

  • Comprehensive health and wellness protection

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 Plus

  • Compare the cost and waiting conditions of optional maternity and non-medical-expense benefits before adding them.

  • Check the restore benefit's trigger and restrictions rather than assuming it can pay every subsequent claim.

  • Confirm whether the selected sum insured and policy version provide the room category and ICU cover you expect.

  • Review the 2-year PED waiting period and disclose all existing medical conditions when applying.

  • Check the UIN and policy schedule before purchase because the publicly available Apex Plus material is historical.

Care Advantage

  • You want flexibility in sum insured and add-on benefits

  • You value regular health check-ups and ambulance coverage

  • You seek cashless hospitalization services across many hospitals

  • You prefer optional add-ons for extra critical illness cover

  • You want extensive hospital and daycare coverage

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health AdvantEdge Plus
Health AdvantEdge Plus

Health Insurance Plan

Brochure

Policy Wording

VS
Advantage
Advantage

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Health AdvantEdge Plus

  1. Normal: No Limit 
  2. ICU: No Limit 

    If the sum insured health insurance policy is Rs.5 Lakh or above.

VS

Advantage

All room categories are covered

Advanced Treatments

Health AdvantEdge Plus

  1. Oral Chemotherapy 
  2.  Robotic Surgeries 
  3. Stem Cell Therapy 
VS

Advantage

Information Unavailable

ICU Charges

Health AdvantEdge Plus

Up to sum insured for Apex Plus, subject to the applicable wording.

VS

Advantage

No restriction on ICU room rent

Co-payment

Health AdvantEdge Plus

Co payment is applicable as chosen by the insured. 

It allows the insured to opt for 10% or 20% co-payment.

VS

Advantage

Available as an option

Disease-wise sublimits

Health AdvantEdge Plus

Certain benefits have specific limits, including ambulance, animal-bite vaccination, bariatric surgery and home-care treatment. Other limits depend on the policy terms.

VS

Advantage

No

Cashless Healthcare Providers

Health AdvantEdge Plus

10,000+ Healthcare Providers across India 

VS

Advantage

21700+ Healthcare Providers

Restoration Benefit

Health AdvantEdge Plus

Information Unavailable

VS

Advantage

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 Plus

Covered. Requires hospitalization of more than 24 Hours.

VS

Advantage

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Cumulative Bonus

Health AdvantEdge Plus

Guaranteed cumulative bonus: 20% of sum insured, up to 100%, under the historical Apex Plus brochure.

VS

Advantage

For every year you don’t make a claim, your sum insured increases by 10%. You can pay an additional premium to increase Sum Insured up to 100%, every year, without any upper limit

AYUSH Treatment

Health AdvantEdge Plus

AYUSH is covered up to Sum Insured.

VS

Advantage

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Consumable Cover

Health AdvantEdge Plus

Listed non-medical expenses may require the optional Claim Protector benefit; verify the applicable schedule.

VS

Advantage

No. However, available as an add-on

Initial Waiting Period

Health AdvantEdge Plus

30 days for illnesses; accidental hospitalisation exempt.

VS

Advantage

30 days

Specific Waiting Period

Health AdvantEdge Plus

2 years for specified diseases and procedures, subject to the policy wording.

VS

Advantage

2 years

PED Waiting Period

Health AdvantEdge Plus

2 years, subject to disclosure and acceptance by the insurer.

VS

Advantage

3 years

Modern Treatment

Health AdvantEdge Plus

Covered up to sum insured, subject to policy terms and exclusions.

VS

Advantage

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Annual Health Checkup

Health AdvantEdge Plus

Annual benefit from the first year; historical brochure specifies up to 0.5% of sum insured, capped at ₹10,000, on a cashless basis.

VS

Advantage

Health checkup is not included as part of base cover. However, you can opt for the Annual Health Checkup Add-on to avail health checkup once per Policy Year

Pre-Hospitalisation

Health AdvantEdge Plus



VS

Advantage

You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved

Post-Hospitalisation

Health AdvantEdge Plus

Up to 180 days under the historical Apex Plus brochure.

VS

Advantage

You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)

Health AdvantEdge Plus

General OPD cover not verified. Teleconsultations are listed in the historical brochure as an included value-added service.

VS

Advantage

OPD expense is not included as part of base cover. However, you can opt for an add-on to avail this coverage

Deductible Option

Health AdvantEdge Plus

Not verified for this variant.

VS

Advantage

Available as an option

Coverage Options

Health AdvantEdge Plus

Individual/family cover; historical Apex Plus brochure also lists worldwide cover for sum insured of ₹25 lakh and above. Confirm current availability and conditions.

VS

Advantage

Available coverage options: ₹25L, ₹50L,₹1Cr, ₹2Cr, ₹3 Cr, ₹6 Cr

Claim Settlement Ratio

Health AdvantEdge Plus

FY 24-25: ~84%

VS

Advantage

96%

Maternity Cover

Health AdvantEdge Plus

Optional; historical brochure specifies 10% of base sum insured, capped at ₹10 lakh, for up to 3 deliveries. Waiting periods and eligibility must be checked in the applicable wording.

VS

Advantage

Not available

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?

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Free Expert Consultation

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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.

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