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Insurance Plans Comparison

ICICI Lombard Health Elite Plus 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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ICICI Lombard

Health Elite Plus

Get a single private room and reset up to 100% of the sum insured once for the same illness and unlimited times for a different illness, with a 20% loyalty bonus up to 100% that stays after a claim.

What Makes It Special:

ICICI Lombard Health Elite Plus offers an unlimited reset benefit that can replenish up to 100% of the base sum insured when the available cover becomes insufficient after previous claims. It can be used unlimited times for different illnesses and once for the same illness, subject to policy conditions. The plan...

Best For:

  • Buyers who want the option to add specific benefits, such as worldwide hospitalisation cover or outpatient services, subject to eligibility and additional premium.

  • Customers seeking benefits such as donor expenses, domiciliary hospitalisation and air ambulance cover.

  • People who value a guaranteed cumulative bonus that can increase their available cover over time.

  • Buyers who want a reset benefit for eligible subsequent hospitalisation claims.

  • Individuals or families looking for a health insurance plan with multiple sum insured options.

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

ICICI Lombard Health Elite Plus

  • If you need worldwide cover or other add-ons, confirm their availability, waiting periods, limits and additional premium before purchasing.

  • If you opt for voluntary co-payment or treatment outside your selected pricing zone, account for the applicable out-of-pocket share.

  • If you expect to use outpatient services, confirm whether the optional BeFit cover is selected and what its specific limits include.

  • If you have a pre-existing condition, check the 24-month waiting period and disclose your medical history accurately.

  • Choose a sum insured that fits your expected medical costs and check how room eligibility changes at the ₹20 lakh threshold.

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

Health Elite Plus
Health Elite Plus

Health Insurance Plan

Brochure

Policy Wording

VS
Health AdvantEdge Plus
Health AdvantEdge Plus

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Health Elite Plus

  1. Normal: Covered Up to Sum Insured
  2. ICU: Covered up to sum insured
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.

Advanced Treatments

Health Elite Plus

  1. Oral chemotherapy
  2. Robotic surgeries
  3. Stem cell therapy
VS

Health AdvantEdge Plus

  1. Oral Chemotherapy 
  2.  Robotic Surgeries 
  3. Stem Cell Therapy 
ICU Charges

Health Elite Plus

Not verified for the exact current variant configuration.

VS

Health AdvantEdge Plus

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

Co-payment

Health Elite Plus

Insured can choose 10% or 20% co-payment, allowing cost-sharing for lower premium expenses.

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

Health Elite Plus

Cataract treatment is limited to 10% of the sum insured, up to ₹1 lakh per eye, after the applicable two-year period. Other applicable limits and exclusions must be checked in the policy wording.

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

Health Elite Plus

10,000+ Cashless Healthcare Providers

VS

Health AdvantEdge Plus

10,000+ Healthcare Providers across India 

Restoration Benefit

Health Elite Plus

Reset of up to 100% of the base sum insured, unlimited times for different illnesses and once for the same illness. It does not trigger on the first claim and is subject to the policy conditions.

VS

Health AdvantEdge Plus

Information Unavailable

Daycare Treatment

Health Elite Plus

Covers procedures requiring less than 24-hour hospitalization, like cataract surgery and chemotherapy.

VS

Health AdvantEdge Plus

Covered. Requires hospitalization of more than 24 Hours.

Cumulative Bonus

Health Elite Plus

Loyalty bonus is described in the available policy information; current applicable rate and maximum require verification.

VS

Health AdvantEdge Plus

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

AYUSH Treatment

Health Elite Plus

Coverage for Ayurveda, Yoga, Unani, Siddha, and Homeopathy at government-recognized institutions.

VS

Health AdvantEdge Plus

AYUSH is covered up to Sum Insured.

Consumable Cover

Health Elite Plus

Not verified as a standard benefit for the exact current variant.

VS

Health AdvantEdge Plus

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

Initial Waiting Period

Health Elite Plus

30 days for illnesses from the start of the policy; accidents are excluded from this waiting-period restriction.

VS

Health AdvantEdge Plus

30 days for illnesses; accidental hospitalisation exempt.

Specific Waiting Period

Health Elite Plus

24 months for specified diseases and procedures listed in the policy.

VS

Health AdvantEdge Plus

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

PED Waiting Period

Health Elite Plus

24 months for declared and accepted pre-existing diseases, subject to policy terms and applicable portability rules.

VS

Health AdvantEdge Plus

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

Modern Treatment

Health Elite Plus

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

VS

Health AdvantEdge Plus

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

Annual Health Checkup

Health Elite Plus

Preventive health check-up available at designated centres, subject to policy conditions.

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

Health Elite Plus

60 days


VS

Health AdvantEdge Plus



Post-Hospitalisation

Health Elite Plus

180 days.

VS

Health AdvantEdge Plus

Up to 180 days under the historical Apex Plus brochure.

Outpatient Department Cover (OPD Expense)

Health Elite Plus

Not included as a general unlimited standard benefit. Optional BeFit provides specified outpatient consultations and related benefits on a cashless basis, according to the selected plan.

VS

Health AdvantEdge Plus

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

Deductible Option

Health Elite Plus

No deductible option.

VS

Health AdvantEdge Plus

Not verified for this variant.

Coverage Options

Health Elite Plus

Individual and family floater options, with sum insured options from ₹5 lakh to ₹3 crore.

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

Health Elite Plus

Information Unavailable

VS

Health AdvantEdge Plus

FY 24-25: ~84%

Maternity Cover

Health Elite Plus

Childbirth-related medical expenses are excluded, except ectopic pregnancy, as stated in the exclusions.

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

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • 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.

1-5 of 10 FAQs

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