Oneassure

Partner with us

Insurance Plans Comparison

ICICI Lombard Health AdvantEdge Plus vs Star Assure

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

Read more
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

Assure

Restore the sum insured up to 100% an unlimited number of times in a policy year for later hospitalisations, earn a 25% cumulative bonus each claim-free year up to 100%, and cover up to nine family members.

What Makes It Special:

Star Health Assure is a flexible, high-limit health insurance plan designed for individuals and families, with coverage options from ₹5 lakh up to ₹2 crore. The plan offers cashless hospitalization across a wide network, daily hospital cash benefits, and no room rent restrictions on standard rooms. It features lifetime renewability,...

Best For:

  • Health-conscious buyers who can earn up to 20% wellness discount on renewal

  • People who want room choice without a cap from ₹10 Lakh Sum Insured

  • Young couples planning a family who want delivery, newborn, assisted reproduction and in-utero surgery cover

  • Unlimited restoration option plan

  • Premium floater family health plan

  • Flexible high-sum insured protection

  • Flexible options for payment of premium

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 Assure

  • Things to Consider: Premium varies by zone, and members entering above 65 can get a maximum of ₹50 Lakh cover.

  • Things to Consider: Maternity is limited to 10% of Sum Insured, has a 24-month wait and requires both spouses to be covered.

  • Things to Consider: PED waiting period is 36 months, or 30 months only with a 3-year policy.

  • Things to Consider: Room rent is capped at 1% of Sum Insured per day for ₹5 Lakh and ₹7.5 Lakh covers.

  • Things to Consider: 10% co-payment applies for anyone who joins at age 61 or older.

  • Reasons to Consider: Consumables, air ambulance up to 10% of Sum Insured, home care and domiciliary treatment are covered.

  • Reasons to Consider: Pre- and post-hospitalisation cover of 60 and 180 days.

  • Reasons to Consider: Cumulative Bonus grows by 25% of Sum Insured for each claim-free year, up to 100%.

  • You want maternity and newborn coverage included

  • You want no room rent capping for standard rooms

  • You value unlimited restoration of sum insured

  • You want coverage up to ₹2 crore for family

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
Assure
Assure

Health Insurance Plan

Brochure

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

Assure

Capped at up to 1% of Sum Insured per day for a ₹5 Lakh cover. For ₹10 Lakh to ₹25 Lakh cover: Any room allowed except suites. For ₹50 Lakh to ₹2 Crore cover: Any room category with zero restrictions (Suites included). Proportionate deduction applies if an higher room tier is chosen.

Advanced Treatments

Health AdvantEdge Plus

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

Assure

Information Unavailable

ICU Charges

Health AdvantEdge Plus

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

VS

Assure

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

Assure

0% for entries up to age 60. A mandatory 10% co-payment applies to each and every claim if the insured person's age at entry is 61 years or older.

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

Assure

No

Cashless Healthcare Providers

Health AdvantEdge Plus

10,000+ Healthcare Providers across India 

VS

Assure

14000+ Healthcare Providers

Restoration Benefit

Health AdvantEdge Plus

Information Unavailable

VS

Assure

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

Assure

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

Assure

25% of the Sum Insured for each claim-free year, up to a maximum of 100%.


AYUSH Treatment

Health AdvantEdge Plus

AYUSH is covered up to Sum Insured.

VS

Assure

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

Assure

Yes

Initial Waiting Period

Health AdvantEdge Plus

30 days for illnesses; accidental hospitalisation exempt.

VS

Assure

30 days.

Specific Waiting Period

Health AdvantEdge Plus

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

VS

Assure

2 years

PED Waiting Period

Health AdvantEdge Plus

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

VS

Assure

36 months (3 years) for 1 and 2-year policy terms; reduced to 30 months if a 3-year policy term is chosen up front.

Modern Treatment

Health AdvantEdge Plus

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

VS

Assure

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

Assure

Health check-up is available once every policy year, from day 1 of the policy

Pre-Hospitalisation

Health AdvantEdge Plus



VS

Assure

You get cover for medical tests and doctor visits up to 60 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

Assure

You get cover for medical bills up to 180 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

Assure

Not included for general consultations or regular pharmacies. Outpatient benefits are available exclusively for Chronic Severe Refractory Asthma up to specified policy sub-limits.

Deductible Option

Health AdvantEdge Plus

Not verified for this variant.

VS

Assure

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

Assure

Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr

Claim Settlement Ratio

Health AdvantEdge Plus

FY 24-25: ~84%

VS

Assure

82.31%

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

Assure

Covered up to 10% of the Sum Insured after a continuous 24-month waiting period. Requires both spouses to be covered under the same policy.

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

End-to-End Support

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

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

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

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

Compare With Other Health Insurance Plans

Health AdvantEdge Plus vs Supreme Senior Premium

Health AdvantEdge Plus vs Energy Silver Without Copay

Health AdvantEdge Plus vs Ultimate

Health AdvantEdge Plus vs EquiCover

Health AdvantEdge Plus vs Optima Secure Global Plus

Assure vs Supreme Senior Premium

Assure vs Energy Silver Without Copay

Assure vs Ultimate

Assure vs EquiCover

Assure vs Optima Secure Global Plus

Oneassure

Health Insurance

Compare Health Insurance Plans

Health Advantedge Plus Vs Assure

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.