Insurance Plans Comparison
ICICI Lombard Health Elite Plus vs ICICI Lombard iHealth
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreHealth 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
iHealth
Reset up to 100% of the sum insured once in a policy year for a later unrelated illness, and cover inpatient hospitalisation, AYUSH treatment, specified day care procedures and a wellness programme.
What Makes It Special:
iHealth is a discontinued ICICI Lombard Complete Health Insurance tier, offered on an individual or floater basis. It covers in-patient hospitalisation, pre- and post-hospitalisation expenses, day-care procedures, and in-patient AYUSH treatment, with a 2-year waiting period for pre-existing diseases and a Reset Benefit for the sum insured.
Best For:
Existing policyholders reviewing their current iHealth cover before renewal, since this plan is no longer sold
Individuals who want coverage for hospitalisation and related pre- and post-hospitalisation costs
Policyholders who value a cumulative bonus that increases cover over claim-free years
Buyers who want a restoration feature to top up the sum insured after a large claim in the same year
Families who want a floater policy for parents, children, and spouse under one 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
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.
Check the sublimits for listed surgeries, such as cataract at ₹20,000 per eye, if you are considering the lower sum insured options.
Maternity cover is not part of the base iHealth tier, so choose a higher tier if you need it and can wait 3 years.
Reset Benefit is limited to once per policy year and cannot be used for the same illness already claimed, so do not count it as unlimited cover.
Note the 2-year waiting period for pre-existing diseases and the listed illnesses, and plan your cover accordingly if you have an existing condition.
Because the plan is discontinued, check whether an ICICI Lombard successor such as Health Shield or Health Shield Plus suits your needs before buying.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Health Elite Plus Health Insurance Plan VS VS |
![]() iHealth Health Insurance Plan |
| Room Rent |
|---|
Health Elite Plus
|
VS VS |
iHealth Including in-patient hospitalization expenses such as room rent and ICU charges. Notably, there are no sub-limits on room rent or ICU charges. |
| Advanced Treatments |
|---|
Health Elite Plus
|
VS VS |
iHealth ICICI iHealth covers advanced medical treatments, ensuring access to modern healthcare. It includes robotic surgeries, stem cell therapy (for approved conditions), targeted cancer therapies, and other cutting-edge procedures. |
| ICU Charges |
|---|
Health Elite Plus Not verified for the exact current variant configuration. |
VS VS |
iHealth Covered under the in-patient hospitalisation cover up to the sum insured, for a hospitalisation of at least 24 consecutive hours. Kindly consult the policy wording for any cap. |
| Co-payment |
|---|
Health Elite Plus Insured can choose 10% or 20% co-payment, allowing cost-sharing for lower premium expenses. |
VS VS |
iHealth Does not have a mandatory co-payment for most policyholders. However, for senior citizens or specific policy variants, a co-payment clause may apply, requiring the insured to bear a percentage of the claim amount. |
| 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 VS |
iHealth Sublimits apply to listed surgeries in the lower sum insured tiers. For example, cataract is limited to ₹20,000 per eye. Kindly consult the policy wording for the full schedule. |
| Cashless Healthcare Providers |
|---|
Health Elite Plus 10,000+ Cashless Healthcare Providers |
VS VS |
iHealth 10,896+ hospitals 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 VS |
iHealth Reset Benefit: resets up to 100% of the sum insured once per policy year. Reset is not triggered by the first claim. The reset amount can be used only for future claims in the same policy year that are unrelated to an illness already claimed. Unused reset is not carried forward. |
| Daycare Treatment |
|---|
Health Elite Plus Covers procedures requiring less than 24-hour hospitalization, like cataract surgery and chemotherapy. |
VS VS |
iHealth Covered under the policy. |
| Cumulative Bonus |
|---|
Health Elite Plus Loyalty bonus is described in the available policy information; current applicable rate and maximum require verification. |
VS VS |
iHealth Additional Sum Insured of 10% of the annual sum insured for each claim-free year, up to a maximum of 50%. A claim reduces the accumulated amount by 10% of the annual sum insured in the following year. |
| AYUSH Treatment |
|---|
Health Elite Plus Coverage for Ayurveda, Yoga, Unani, Siddha, and Homeopathy at government-recognized institutions. |
VS VS |
iHealth Covered under this policy |
| Consumable Cover |
|---|
Health Elite Plus Not verified as a standard benefit for the exact current variant. |
VS VS |
iHealth Kindly refer to the policy wording. |
| 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 VS |
iHealth 30 days from inception. Accident-related hospitalisation is exempt. |
| Specific Waiting Period |
|---|
Health Elite Plus 24 months for specified diseases and procedures listed in the policy. |
VS VS |
iHealth 2 years for listed illnesses and procedures. Maternity has a 3-year waiting period where opted. |
| PED Waiting Period |
|---|
Health Elite Plus 24 months for declared and accepted pre-existing diseases, subject to policy terms and applicable portability rules. |
VS VS |
iHealth 2 years for declared and accepted pre-existing diseases |
| Modern Treatment |
|---|
Health Elite Plus Covered up to the annual sum insured, subject to policy terms and exclusions. |
VS VS |
iHealth Kindly refer to the policy wording |
| Annual Health Checkup |
|---|
Health Elite Plus Preventive health check-up available at designated centres, subject to policy conditions. |
VS VS |
iHealth Free health check-up at designated centres. Floater policies receive a maximum of 2 coupons per year. |
| Pre-Hospitalisation |
|---|
Health Elite Plus 60 days |
VS VS |
iHealth Up to 30 days before hospitalisation, up to the sum insured |
| Post-Hospitalisation |
|---|
Health Elite Plus 180 days. |
VS VS |
iHealth Up to 60 days after discharge, up to the sum insured |
| 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 VS |
iHealth Outpatient Treatment Cover is available as a benefit in the plan tiers that include it. Reimbursement is subject to a limit of ₹5,000 on a floater basis. Kindly consult the plan details for eligibility. |
| Deductible Option |
|---|
Health Elite Plus No deductible option. |
VS VS |
iHealth Kindly consult the policy wording |
| Coverage Options |
|---|
Health Elite Plus Individual and family floater options, with sum insured options from ₹5 lakh to ₹3 crore. |
VS VS |
iHealth Individual and floater cover. The base iHealth tier is available at ₹3, ₹4, and ₹5 lakh sum insured. |
| Claim Settlement Ratio |
|---|
Health Elite Plus Information Unavailable |
VS VS |
iHealth FY 24-25: ~84% |
| Maternity Cover |
|---|
Health Elite Plus Childbirth-related medical expenses are excluded, except ectopic pregnancy, as stated in the exclusions. |
VS VS |
iHealth Not included in the base iHealth tier. Maternity cover with a 3-year waiting period is available in higher plan tiers only when opted for. It covers delivery and caesarean section (₹15,000 normal, ₹25,000 caesarean), pre- and post-natal expenses (₹2,000 each), and newborn cover (₹10,000), limited to two deliveries during the policy period. |
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?
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
Insurance Plans Comparison
Frequently Asked Questions (FAQs)
Having questions? We've got answers. Explore our FAQs to find the information you need.
Explore Our Most Popular Plans
Compare With Other Health Insurance Plans
Health Elite Plus vs Supreme Senior Premium
Health Elite Plus vs Energy Silver Without Copay
Health Elite Plus vs Ultimate
Health Elite Plus vs EquiCover
Health Elite Plus vs Optima Secure Global Plus
Health Elite Plus vs Optima Secure
Health Elite Plus vs Super Mediclaim
Health Elite Plus vs Critical Illness Platinum Plan
Health Elite Plus vs Health Recharge
Health Elite Plus vs Golden Shield
Health Elite Plus vs Optima Secure Plus
Health Elite Plus vs Cancer Cover Activ Cancer Secure Plan
Health Elite Plus vs LifeTime Health Global
Health Elite Plus vs Women Care
Health Elite Plus vs Aspire Diamond+
Health Elite Plus vs Activate Booster Plan A
Health Elite Plus vs myHealth Medisure Super Top-up
Health Elite Plus vs Health Super Saver Standard
Health Elite Plus vs Active Care Premier
Health Elite Plus vs ProHealth Accumulate
Health Elite Plus vs Health Booster SuperTopup Individual Adult 1 Year N
Health Elite Plus vs Supreme Shine
Health Elite Plus vs Health Shield 360 Retail
Health Elite Plus vs Health Cardiac Care Silver & Gold Plan
Health Elite Plus vs myHealth Suraksha Gold
Health Elite Plus vs Max Protect Premium
Health Elite Plus vs Elder Care
Health Elite Plus vs Young Star Gold
Health Elite Plus vs Assure
Health Elite Plus vs Active Fit Plus
Health Elite Plus vs Cancer Care Platinum
Health Elite Plus vs Health Connect Elite
Health Elite Plus vs Arogya Sanjeevani
Health Elite Plus vs OneHealth Premium
Health Elite Plus vs ProHealth Prime Protect
Health Elite Plus vs Optima Lite
Health Elite Plus vs Medicare Plus
Health Elite Plus vs Activ Health Platinum Essential
Health Elite Plus vs GoActive
Health Elite Plus vs Criti Shield Family Shield
Health Elite Plus vs Medicare Senior
Health Elite Plus vs Enhance Super Top-up Two
Health Elite Plus vs Reassure 3.0
Health Elite Plus vs Medicare Protect
Health Elite Plus vs Health AdvantEdge Plus
Health Elite Plus vs Activ One SAVR
Health Elite Plus vs Active Assure Diamond
Health Elite Plus vs Activ One VIP
Health Elite Plus vs Health Pulse Classic
Health Elite Plus vs Advantage
Health Elite Plus vs Mediclaim Insurance Policy
Health Elite Plus vs iHealth
Health Elite Plus vs Special Care Gold
Health Elite Plus vs Energy Gold Without Copay
Health Elite Plus vs Activ One Max
Health Elite Plus vs Smart Super Health
Health Elite Plus vs Classic
Health Elite Plus vs Activ One Vytl
Health Elite Plus vs Supreme
Health Elite Plus vs Freedom
Health Elite Plus vs Sarvah Pratham
Health Elite Plus vs Joy Today
Health Elite Plus vs Medi Classic
Health Elite Plus vs Activate Booster Plan B
Health Elite Plus vs Aspire Gold+
Health Elite Plus vs Health Gain
Health Elite Plus vs Aspire Platinum+
Health Elite Plus vs Plus Complete
Health Elite Plus vs Health Companion Family First Plan
Health Elite Plus vs Reassure 2.0 Platinum+
Health Elite Plus vs Reassure 3.0 Elite
Health Elite Plus vs Enhance Super Top-up One
Health Elite Plus vs Joy Tomorrow
Health Elite Plus vs Reassure 3.0 Select
Health Elite Plus vs Activ One VIP+
Health Elite Plus vs Red Carpet Senior Citizens
Health Elite Plus vs Super Surplus Gold
Health Elite Plus vs Health SuperCharge
Health Elite Plus vs Medicare Premier
Health Elite Plus vs Family Health Optima
Health Elite Plus vs Health Companion Variant 2022
Health Elite Plus vs Health Companion Variant 3
Health Elite Plus vs Plus Youth
Health Elite Plus vs ProHealth Prime Advantage
Health Elite Plus vs Critical Illness Silver Plan
Health Elite Plus vs Health Premia Gold
Health Elite Plus vs Health Premia Platinum
Health Elite Plus vs Comprehensive
Health Elite Plus vs HeartBeat Enhanced
Health Elite Plus vs Reassure
Health Elite Plus vs Complete Health Insurance Health Shield Plus Plan
Health Elite Plus vs myHealth Suraksha Platinum
Health Elite Plus vs Health Recharge Super Top Up Plan
Health Elite Plus vs Supreme Value for Money
Health Elite Plus vs Supreme Enhance Two
Health Elite Plus vs Supreme Senior Super
Health Elite Plus vs Supreme Enhance
Health Elite Plus vs Reassure 2.0 Gold
Health Elite Plus vs Active Fit Preferred
Health Elite Plus vs LifeTime Health
Health Elite Plus vs Medicare
Health Elite Plus vs ProHealth Prime Active
Health Elite Plus vs ProHealth Prime Senior Elite
Health Elite Plus vs Advanced Top Up
Health Elite Plus vs Multiplier Health
Health Elite Plus vs Ultimate (Direct)
Health Elite Plus vs Young Star
Health Elite Plus vs Star Women Care Policy
Health Elite Plus vs Health Assurance
Health Elite Plus vs Family Plus
Health Elite Plus vs Sarvah Param
Health Elite Plus vs Optima Insurance
Health Elite Plus vs Smart Super Health Assure
Health Elite Plus vs Criti Shield Plus
Health Elite Plus vs Health Care Supreme Ultimo
Health Elite Plus vs Super Star
Health Elite Plus vs Reassure 3.0 Black
Health Elite Plus vs Health Guard Platinum
Health Elite Plus vs Health Guard Gold
Health Elite Plus vs Elevate (Direct)
Health Elite Plus vs Senior First Platinum
Health Elite Plus vs Extra Care Plus Super Top-up
Health Elite Plus vs Health Care Supreme Smart
Health Elite Plus vs Medi Classic Gold
Health Elite Plus vs Smart Health Pro
Health Elite Plus vs Optima Super Secure
Health Elite Plus vs Optima Secure Global
Health Elite Plus vs Special Care
Health Elite Plus vs Medicare LITE
Health Elite Plus vs NextGen
Health Elite Plus vs Health Shield 360
Health Elite Plus vs SecureHealth
Health Elite Plus vs Energy Silver With Copay
Health Elite Plus vs Supreme (Direct)
Health Elite Plus vs Plus
Health Elite Plus vs Medicare Select
Health Elite Plus vs Complete Health Insurance Health Protect Plus Plan
Health Elite Plus vs myHealth Koti Suraksha
Health Elite Plus vs Senior
Health Elite Plus vs myHealth Suraksha Silver
Health Elite Plus vs Health Booster
Health Elite Plus vs Complete Health Insurance Health Shield
Health Elite Plus vs Cardiac Care Platinum
Health Elite Plus vs Royal Sundaram Lifeline Elite
Health Elite Plus vs HeartBeat Platinum
Health Elite Plus vs Supreme Enhance One
Health Elite Plus vs HeartBeat Gold
Health Elite Plus vs Health Companion Variant 2
Health Elite Plus vs Health Companion Variant 1
Health Elite Plus vs Aspire Titanium+
Health Elite Plus vs iHealth Plus
Health Elite Plus vs Reassure 3.0 Classic
Health Elite Plus vs Senior Health Advantage
Health Elite Plus vs Health Wallet
Health Elite Plus vs Elevate
Health Elite Plus vs Heart
Health Elite Plus vs Reassure 2.0 Titanium+
Health Elite Plus vs Diabetes Safe Plan A
Health Elite Plus vs Reassure 2.0 Bronze+
Health Elite Plus vs Young Star Silver
Health Elite Plus vs Enhance Super Top-up
Health Elite Plus vs Joy
Health Elite Plus vs Health Elite
Health Elite Plus vs Supreme Senior Health AdvantEdge
Health Elite Plus vs Health AdvantEdge
Health Elite Plus vs Supreme Super Saver
Health Elite Plus vs Health Insurance Platinum
iHealth vs Supreme Senior Premium
iHealth vs Energy Silver Without Copay
iHealth vs Ultimate
iHealth vs EquiCover
iHealth vs Optima Secure Global Plus
iHealth vs Optima Secure
iHealth vs Super Mediclaim
iHealth vs Critical Illness Platinum Plan
iHealth vs Health Recharge
iHealth vs Golden Shield
iHealth vs Optima Secure Plus
iHealth vs Cancer Cover Activ Cancer Secure Plan
iHealth vs LifeTime Health Global
iHealth vs Women Care
iHealth vs Aspire Diamond+
iHealth vs Activate Booster Plan A
iHealth vs myHealth Medisure Super Top-up
iHealth vs Health Super Saver Standard
iHealth vs Active Care Premier
iHealth vs ProHealth Accumulate
iHealth vs Health Booster SuperTopup Individual Adult 1 Year N
iHealth vs Supreme Shine
iHealth vs Health Shield 360 Retail
iHealth vs Health Cardiac Care Silver & Gold Plan
iHealth vs myHealth Suraksha Gold
iHealth vs Max Protect Premium
iHealth vs Elder Care
iHealth vs Young Star Gold
iHealth vs Assure
iHealth vs Active Fit Plus
iHealth vs Cancer Care Platinum
iHealth vs Health Connect Elite
iHealth vs Arogya Sanjeevani
iHealth vs OneHealth Premium
iHealth vs ProHealth Prime Protect
iHealth vs Optima Lite
iHealth vs Medicare Plus
iHealth vs Activ Health Platinum Essential
iHealth vs GoActive
iHealth vs Criti Shield Family Shield
iHealth vs Medicare Senior
iHealth vs Enhance Super Top-up Two
iHealth vs Reassure 3.0
iHealth vs Medicare Protect
iHealth vs Health AdvantEdge Plus
iHealth vs Activ One SAVR
iHealth vs Active Assure Diamond
iHealth vs Activ One VIP
iHealth vs Health Pulse Classic
iHealth vs Advantage
iHealth vs Mediclaim Insurance Policy
iHealth vs Special Care Gold
iHealth vs Energy Gold Without Copay
iHealth vs Activ One Max
iHealth vs Smart Super Health
iHealth vs Classic
iHealth vs Activ One Vytl
iHealth vs Supreme
iHealth vs Freedom
iHealth vs Sarvah Pratham
iHealth vs Joy Today
iHealth vs Medi Classic
iHealth vs Activate Booster Plan B
iHealth vs Aspire Gold+
iHealth vs Health Gain
iHealth vs Aspire Platinum+
iHealth vs Plus Complete
iHealth vs Health Companion Family First Plan
iHealth vs Reassure 2.0 Platinum+
iHealth vs Reassure 3.0 Elite
iHealth vs Enhance Super Top-up One
iHealth vs Joy Tomorrow
iHealth vs Reassure 3.0 Select
iHealth vs Activ One VIP+
iHealth vs Red Carpet Senior Citizens
iHealth vs Super Surplus Gold
iHealth vs Health SuperCharge
iHealth vs Health Elite Plus
iHealth vs Medicare Premier
iHealth vs Family Health Optima
iHealth vs Health Companion Variant 2022
iHealth vs Health Companion Variant 3
iHealth vs Plus Youth
iHealth vs ProHealth Prime Advantage
iHealth vs Critical Illness Silver Plan
iHealth vs Health Premia Gold
iHealth vs Health Premia Platinum
iHealth vs Comprehensive
iHealth vs HeartBeat Enhanced
iHealth vs Reassure
iHealth vs Complete Health Insurance Health Shield Plus Plan
iHealth vs myHealth Suraksha Platinum
iHealth vs Health Recharge Super Top Up Plan
iHealth vs Supreme Value for Money
iHealth vs Supreme Enhance Two
iHealth vs Supreme Senior Super
iHealth vs Supreme Enhance
iHealth vs Reassure 2.0 Gold
iHealth vs Active Fit Preferred
iHealth vs LifeTime Health
iHealth vs Medicare
iHealth vs ProHealth Prime Active
iHealth vs ProHealth Prime Senior Elite
iHealth vs Advanced Top Up
iHealth vs Multiplier Health
iHealth vs Ultimate (Direct)
iHealth vs Young Star
iHealth vs Star Women Care Policy
iHealth vs Health Assurance
iHealth vs Family Plus
iHealth vs Sarvah Param
iHealth vs Optima Insurance
iHealth vs Smart Super Health Assure
iHealth vs Criti Shield Plus
iHealth vs Health Care Supreme Ultimo
iHealth vs Super Star
iHealth vs Reassure 3.0 Black
iHealth vs Health Guard Platinum
iHealth vs Health Guard Gold
iHealth vs Elevate (Direct)
iHealth vs Senior First Platinum
iHealth vs Extra Care Plus Super Top-up
iHealth vs Health Care Supreme Smart
iHealth vs Medi Classic Gold
iHealth vs Smart Health Pro
iHealth vs Optima Super Secure
iHealth vs Optima Secure Global
iHealth vs Special Care
iHealth vs Medicare LITE
iHealth vs NextGen
iHealth vs Health Shield 360
iHealth vs SecureHealth
iHealth vs Energy Silver With Copay
iHealth vs Supreme (Direct)
iHealth vs Plus
iHealth vs Medicare Select
iHealth vs Complete Health Insurance Health Protect Plus Plan
iHealth vs myHealth Koti Suraksha
iHealth vs Senior
iHealth vs myHealth Suraksha Silver
iHealth vs Health Booster
iHealth vs Complete Health Insurance Health Shield
iHealth vs Cardiac Care Platinum
iHealth vs Royal Sundaram Lifeline Elite
iHealth vs HeartBeat Platinum
iHealth vs Supreme Enhance One
iHealth vs HeartBeat Gold
iHealth vs Health Companion Variant 2
iHealth vs Health Companion Variant 1
iHealth vs Aspire Titanium+
iHealth vs iHealth Plus
iHealth vs Reassure 3.0 Classic
iHealth vs Senior Health Advantage
iHealth vs Health Wallet
iHealth vs Elevate
iHealth vs Heart
iHealth vs Reassure 2.0 Titanium+
iHealth vs Diabetes Safe Plan A
iHealth vs Reassure 2.0 Bronze+
iHealth vs Young Star Silver
iHealth vs Enhance Super Top-up
iHealth vs Joy
iHealth vs Health Elite
iHealth vs Supreme Senior Health AdvantEdge
iHealth vs Health AdvantEdge
iHealth vs Supreme Super Saver
iHealth vs Health Insurance Platinum
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.







.png)