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Insurance Plans Comparison

Care Supreme Senior Health AdvantEdge vs ICICI Lombard Health AdvantEdge Plus

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Care

Supreme Senior Health AdvantEdge

Senior citizen health insurance with unlimited automatic recharge, cumulative bonus and optional wellness benefits.

What Makes It Special:

Care Supreme Senior is designed for senior citizens aged 61 years and above, with no upper age limit for adult entry. It offers hospitalisation coverage, day-care treatment, AYUSH treatment, domiciliary hospitalisation, organ donor expenses and unlimited automatic recharge. The product is available through two options—Care Supreme Senior Super and Care...

Best For:

  • Eligible customers who may benefit from optional wellness, health-checkup or OPD-related benefits.

  • Families looking for individual or family floater cover for eligible members.

  • Customers seeking additional coverage through unlimited automatic recharge for subsequent eligible claims.

  • Older adults who want cover for eligible hospitalisation and day-care procedures.

  • Senior citizens looking for health insurance with entry available from age 61.

VS
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.

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

Care Supreme Senior Health AdvantEdge

  • Review optional benefits carefully: Confirm the availability, cost and terms of benefits such as wellness, Care OPD, annual health checkups and room-rent modification.

  • Review waiting periods: The initial waiting period is 30 days, the named-ailment waiting period is 24 months, and the PED waiting period is 48 months.

  • Check room eligibility: The stated room category is the most economical single private AC room unless an applicable room-rent modification benefit changes it.

  • Account for co-payment: The stated 20% co-payment means the insured pays a share of eligible claim expenses.

  • Compare the two plan options: Senior Super has sub-limits for specified treatments, whereas Senior Premium lists these sub-limits as not applicable.

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.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Supreme Senior Health AdvantEdge
Supreme Senior Health AdvantEdge

Health Insurance Plan

Brochure

Policy Wording

VS
Health AdvantEdge Plus
Health AdvantEdge Plus

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Supreme Senior Health AdvantEdge

Most economical single private AC room. An optional room-rent modification benefit is mentioned.

VS

Health AdvantEdge Plus

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

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

ICU Charges

Supreme Senior Health AdvantEdge

No limit specified in the plan benefit, subject to policy terms.

VS

Health AdvantEdge Plus

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

Advanced Treatments

Supreme Senior Health AdvantEdge

Information Unavailable

VS

Health AdvantEdge Plus

  1. Oral Chemotherapy 
  2.  Robotic Surgeries 
  3. Stem Cell Therapy 
Co-payment

Supreme Senior Health AdvantEdge

20% co-payment applies to all claims under the described plan options.

VS

Health AdvantEdge Plus

Co payment is applicable as chosen by the insured. 

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

Disease-wise sublimits

Supreme Senior Health AdvantEdge

Apply to specified treatments under Senior Super; listed as not applicable under Senior Premium.

VS

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.

Cashless Healthcare Providers

Supreme Senior Health AdvantEdge

11000+ NETWORK HOSPITALS.

VS

Health AdvantEdge Plus

10,000+ Healthcare Providers across India 

Restoration Benefit

Supreme Senior Health AdvantEdge

Unlimited automatic recharge for eligible subsequent claims, including the same or different illnesses, subject to policy terms.

VS

Health AdvantEdge Plus

Information Unavailable

Cumulative Bonus

Supreme Senior Health AdvantEdge

50% of the sum insured added at renewal, up to 100%; accrued bonus is not reduced due to claims.

VS

Health AdvantEdge Plus

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

Daycare Treatment

Supreme Senior Health AdvantEdge

Covered up to the sum insured.

VS

Health AdvantEdge Plus

Covered. Requires hospitalization of more than 24 Hours.

Consumable Cover

Supreme Senior Health AdvantEdge

Not specified as a standard benefit in the supplied document.

VS

Health AdvantEdge Plus

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

AYUSH Treatment

Supreme Senior Health AdvantEdge

Covered up to the sum insured.

VS

Health AdvantEdge Plus

AYUSH is covered up to Sum Insured.

Initial Waiting Period

Supreme Senior Health AdvantEdge

30 days, except accident-related hospitalisation.

VS

Health AdvantEdge Plus

30 days for illnesses; accidental hospitalisation exempt.

Specific Waiting Period

Supreme Senior Health AdvantEdge

24 months for named ailments.

VS

Health AdvantEdge Plus

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

PED Waiting Period

Supreme Senior Health AdvantEdge

48 months

VS

Health AdvantEdge Plus

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

Modern Treatment

Supreme Senior Health AdvantEdge

Eligible advanced technology treatments covered up to the sum insured.

VS

Health AdvantEdge Plus

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

Annual Health Checkup

Supreme Senior Health AdvantEdge

Available as an optional benefit; once a year for all insured members.

VS

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.

Pre-Hospitalisation

Supreme Senior Health AdvantEdge

Covered for 60 days.

VS

Health AdvantEdge Plus



Post-Hospitalisation

Supreme Senior Health AdvantEdge

Covered for 180 days.

VS

Health AdvantEdge Plus

Up to 180 days under the historical Apex Plus brochure.

Outpatient Department Cover (OPD Expense)

Supreme Senior Health AdvantEdge

Optional Care OPD benefit; limits and consultation co-payments apply.

VS

Health AdvantEdge Plus

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

Deductible Option

Supreme Senior Health AdvantEdge

Not specified in the supplied document.

VS

Health AdvantEdge Plus

Not verified for this variant.

Coverage Options

Supreme Senior Health AdvantEdge

Individual and family floater; sum insured options of ₹7 lakh, ₹10 lakh, ₹15 lakh and ₹25 lakh.

VS

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.

Claim Settlement Ratio

Supreme Senior Health AdvantEdge

99.95% FY 2024-25

VS

Health AdvantEdge Plus

FY 24-25: ~84%

Maternity Cover

Supreme Senior Health AdvantEdge

Not specified in the supplied document.

VS

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.

Insurance Plans Comparison

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Why Choose Our Expert Consultation?

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Talk to experienced advisors at no cost, and make confident decisions

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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

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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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