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Insurance Plans Comparison

ICICI Lombard Health AdvantEdge Plus vs Star Family Health Optima

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
Star

Family Health Optima

Restore the sum insured three times in a policy year, by 100% each time and only for an unrelated illness, and add a loyalty bonus of 10% of the expiring sum insured at renewal, up to 100%.

What Makes It Special:

Family Health Insurance

Best For:

  • Customers comparing restoration and loyalty bonus benefits.

  • Families wanting eligible AYUSH treatment and preventive health check-ups.

  • Customers seeking pre- and post-hospitalisation benefits.

  • Families looking for hospitalisation and daycare coverage.

  • Families seeking health insurance under a single floater Sum Insured.

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.

Star Family Health Optima

  • Check the policy limits for specific treatments and benefits.

  • Review pre- and post-hospitalisation coverage.

  • Check the restoration and loyalty bonus conditions.

  • Understand the 24-month specific disease waiting period and 36-month pre-existing disease waiting period.

  • Review the 30-day initial waiting period.

  • Check the shared accommodation benefit and applicable limits.

  • Review the 20% co-payment applicable to insured persons aged 61 and above at entry.

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
Family Health Optima
Family Health Optima

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

Family Health Optima

  1. Shared accommodation is covered within the applicable policy limits.
Advanced Treatments

Health AdvantEdge Plus

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

Family Health Optima

Information Unavailable

ICU Charges

Health AdvantEdge Plus

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

VS

Family Health Optima

Covered as part of eligible hospitalisation expenses, subject to policy terms.

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

Family Health Optima

20% of each claim for insured persons whose age at entry is 61 years or above.

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

Family Health Optima

Sublimits apply to specified benefits and treatments, subject to policy terms.

Cashless Healthcare Providers

Health AdvantEdge Plus

10,000+ Healthcare Providers across India 

VS

Family Health Optima

Cashless treatment is available at eligible network hospitals, subject to authorisation and policy conditions.

Restoration Benefit

Health AdvantEdge Plus

Information Unavailable

VS

Family Health Optima

100% of the Sum Insured is restored up to three times in a policy year, subject to policy conditions.

Daycare Treatment

Health AdvantEdge Plus

Covered. Requires hospitalization of more than 24 Hours.

VS

Family Health Optima

Eligible daycare procedures are covered, subject to policy terms.

Cumulative Bonus

Health AdvantEdge Plus

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

VS

Family Health Optima

Loyalty Bonus is available for eligible Sum Insured options, subject to renewal conditions and policy limits.

AYUSH Treatment

Health AdvantEdge Plus

AYUSH is covered up to Sum Insured.

VS

Family Health Optima

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

Consumable Cover

Health AdvantEdge Plus

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

VS

Family Health Optima

Not specified.

Initial Waiting Period

Health AdvantEdge Plus

30 days for illnesses; accidental hospitalisation exempt.

VS

Family Health Optima

  1. 30 days, except for accidents.
Specific Waiting Period

Health AdvantEdge Plus

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

VS

Family Health Optima

24 months for specified diseases and procedures.

PED Waiting Period

Health AdvantEdge Plus

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

VS

Family Health Optima

36 months for pre-existing diseases.

Modern Treatment

Health AdvantEdge Plus

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

VS

Family Health Optima

  1. Specified modern treatments are covered, subject to policy limits.
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

Family Health Optima

Preventive health check-up at network providers, according to the applicable Sum Insured and package.

Pre-Hospitalisation

Health AdvantEdge Plus



VS

Family Health Optima

Covered for up to 60 days before hospital admission.

Post-Hospitalisation

Health AdvantEdge Plus

Up to 180 days under the historical Apex Plus brochure.

VS

Family Health Optima

Covered for up to 90 days after discharge.

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

Family Health Optima

Not specified.

Deductible Option

Health AdvantEdge Plus

Not verified for this variant.

VS

Family Health Optima

Not specified.

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

Family Health Optima

Family Floater.

Claim Settlement Ratio

Health AdvantEdge Plus

FY 24-25: ~84%

VS

Family Health Optima

Insurer-level metric, not a policy benefit.

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

Family Health Optima

Not specified.

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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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

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.

1-5 of 10 FAQs

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