Insurance Plans Comparison
Care Plus Youth vs ICICI Lombard Health Elite Plus
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read morePlus Youth
Care Plus Youth is a health insurance plan for young adults, offering hospitalisation cover, unlimited automatic recharge, OPD benefits and protection against rising medical costs.
What Makes It Special:
Care Plus Youth is designed for young adults, with individual and family floater options. Its benefits include hospitalisation, OPD consultations and dental and eye treatments, No Claim Bonus Protect, Inflation Shield and unlimited automatic recharge, subject to policy terms.
Best For:
Couples or families considering optional maternity and newborn cover.
Individuals looking for automatic recharge and a no-claim bonus.
Customers who value OPD consultations and dental and eye treatment benefits.
People who want hospitalisation and eligible daycare treatment cover.
Young adults looking to buy individual health insurance early.
VS
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.
Insurance Plans Comparison
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Quick Decision Guide
If you need maternity cover, verify eligibility, the 24-month waiting period and the applicable benefit limit.
Check the OPD limits and whether the optional Smart Select benefit suits your preferred hospitals.
Review room-rent and ICU limits based on your chosen sum insured.
Check the 30-day initial waiting period, 24-month named-ailment waiting period and 36-month PED waiting period.
Choose a sum insured that suits your healthcare needs and budget.
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.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Plus Youth Health Insurance Plan VS VS |
![]() Health Elite Plus Health Insurance Plan |
| Room Rent |
|---|
Plus Youth For sum insured below ₹5 lakh, room rent is limited to 1% of the sum insured per day. For sum insured of ₹5 lakh or above, the brochure lists a single private AC room. |
VS VS |
Health Elite Plus
|
| ICU Charges |
|---|
Plus Youth For sum insured below ₹5 lakh, ICU charges are limited to 2% of the sum insured per day. For sum insured of ₹5 lakh or above, the brochure states no ICU charge limit. |
VS VS |
Health Elite Plus Not verified for the exact current variant configuration. |
| Advanced Treatments |
|---|
Plus Youth Information Unavailable |
VS VS |
Health Elite Plus
|
| Co-payment |
|---|
Plus Youth The Smart Select optional benefit offers a 15% discount on the base benefit premium and eligible maternity/newborn premium. If treatment is taken at a non-Smart Select network hospital, a 20% co-payment per claim applies under this option. |
VS VS |
Health Elite Plus Insured can choose 10% or 20% co-payment, allowing cost-sharing for lower premium expenses. |
| Disease-wise sublimits |
|---|
Plus Youth Room-rent, ICU and benefit-specific limits apply. OPD, ambulance and optional maternity/newborn cover have defined monetary limits. Review the policy schedule for other applicable restrictions. |
VS VS |
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. |
| Cashless Healthcare Providers |
|---|
Plus Youth Cashless treatment is available through eligible network hospitals, subject to network status, pre-authorisation and policy conditions. Confirm the current hospital count before publishing a number. |
VS VS |
Health Elite Plus 10,000+ Cashless Healthcare Providers |
| Restoration Benefit |
|---|
Plus Youth Unlimited Automatic Recharge is included as a listed base benefit. It can replenish the sum insured for eligible claims, subject to the policy’s recharge conditions. |
VS VS |
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. |
| Cumulative Bonus |
|---|
Plus Youth No Claim Bonus Protect increases the sum insured by 50% per claim-free policy year, up to 200% of the sum insured. If the total claim amount in a policy year is below 25% of the applicable sum insured, the accrued bonus is not reduced in the subsequent year. If the claim amount reaches or exceeds 25%, the accrued bonus may reduce according to the policy terms. |
VS VS |
Health Elite Plus Loyalty bonus is described in the available policy information; current applicable rate and maximum require verification. |
| Daycare Treatment |
|---|
Plus Youth All eligible daycare procedures are covered up to the sum insured, subject to the policy’s definitions and exclusions. |
VS VS |
Health Elite Plus Covers procedures requiring less than 24-hour hospitalization, like cataract surgery and chemotherapy. |
| Consumable Cover |
|---|
Plus Youth A separate comprehensive consumables benefit is not specified in the uploaded brochure. |
VS VS |
Health Elite Plus Not verified as a standard benefit for the exact current variant. |
| AYUSH Treatment |
|---|
Plus Youth Eligible AYUSH treatment is covered up to the sum insured, subject to the policy wording. |
VS VS |
Health Elite Plus Coverage for Ayurveda, Yoga, Unani, Siddha, and Homeopathy at government-recognized institutions. |
| Initial Waiting Period |
|---|
Plus Youth 30 days from policy commencement for illnesses, except claims arising from accidents, as specified in the brochure. |
VS VS |
Health Elite Plus 30 days for illnesses from the start of the policy; accidents are excluded from this waiting-period restriction. |
| Specific Waiting Period |
|---|
Plus Youth 24 months for named ailments and procedures, subject to the policy wording and applicable exclusions. |
VS VS |
Health Elite Plus 24 months for specified diseases and procedures listed in the policy. |
| PED Waiting Period |
|---|
Plus Youth 36 months for pre-existing diseases, subject to disclosure, acceptance and policy terms. |
VS VS |
Health Elite Plus 24 months for declared and accepted pre-existing diseases, subject to policy terms and applicable portability rules. |
| Modern Treatment |
|---|
Plus Youth Covers eligible advanced technology treatments up to the sum insured, subject to policy terms, exclusions and applicable treatment definitions. |
VS VS |
Health Elite Plus Covered up to the annual sum insured, subject to policy terms and exclusions. |
| Annual Health Checkup |
|---|
Plus Youth Available for adult insured members, subject to the applicable policy terms. |
VS VS |
Health Elite Plus Preventive health check-up available at designated centres, subject to policy conditions. |
| Pre-Hospitalisation |
|---|
Plus Youth Eligible medical expenses are covered for up to 60 days before an admissible hospitalisation, up to the sum insured. |
VS VS |
Health Elite Plus 60 days |
| Post-Hospitalisation |
|---|
Plus Youth Eligible medical expenses are covered for up to 90 days after discharge from an admissible hospitalisation, up to the sum insured. |
VS VS |
Health Elite Plus 180 days. |
| Outpatient Department Cover (OPD Expense) |
|---|
Plus Youth Outpatient consultations and outpatient dental and ophthalmic treatments are covered within specified limits. For sum insured of ₹5 lakh–₹7 lakh, the brochure lists up to ₹1,500; for ₹10 lakh–₹25 lakh, up to ₹2,500. Consultation limits are ₹350 per consultation. |
VS VS |
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. |
| Deductible Option |
|---|
Plus Youth No deductible option is listed in the uploaded brochure’s optional-benefit section. |
VS VS |
Health Elite Plus No deductible option. |
| Coverage Options |
|---|
Plus Youth Available as individual or family floater cover, with annual sum insured options listed from ₹3 lakh to ₹25 lakh. The brochure lists several family combinations. |
VS VS |
Health Elite Plus Individual and family floater options, with sum insured options from ₹5 lakh to ₹3 crore. |
| Claim Settlement Ratio |
|---|
Plus Youth This is an insurer-level metric, not a product-specific ratio. Use Care Health Insurance’s verified latest financial-year claim settlement figure if required; the uploaded brochure does not provide one. |
VS VS |
Health Elite Plus Information Unavailable |
| Maternity Cover |
|---|
Plus Youth Optional maternity and newborn cover: ₹15,000 for sum insured up to ₹5 lakh and ₹25,000 for sum insured above ₹5 lakh. Available only under specified family-floater combinations, with a 24-month waiting period and eligibility conditions. |
VS VS |
Health Elite Plus Childbirth-related medical expenses are excluded, except ectopic pregnancy, as stated in the exclusions. |
Insurance Plans Comparison
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