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Insurance Plans Comparison

Star Medi Classic Gold vs ICICI Lombard Health Elite Plus

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

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Star

Medi Classic Gold

Stay in a private single air-conditioned room, restore 200% of the basic sum insured once for an unrelated illness, and add a further 100% super restoration once for a later hospitalisation, even for the same illness.

What Makes It Special:

An individual health insurance plan with hospitalisation coverage and additional benefits, including restoration, domiciliary treatment, organ donor expenses, newborn baby hospitalisation, tele-consultation and home care treatment, subject to applicable policy terms, limits and exclusions.

Best For:

  • Individuals interested in tele-consultation and home care treatment benefits.

  • Customers looking for organ donor and domiciliary treatment coverage.

  • Individuals seeking Private Single AC Room eligibility under applicable Sum Insured options.

  • Customers looking for restoration benefits subject to policy conditions.

  • Individuals seeking individual hospitalisation coverage.

VS
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.

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

  • Review exclusions and waiting periods before purchasing the policy.

  • Understand the conditions governing automatic restoration and Super Restoration.

  • Check newborn baby coverage conditions and applicable limits.

  • Review treatment-specific limits, including modern treatment limits.

  • Check room-rent eligibility based on the selected Sum Insured.

  • Review the 10% co-payment applicable to insured persons whose entry age is 61 years or above.

  • Check the 24-month waiting period for specified diseases and procedures.

  • Review the 36-month waiting period for pre-existing diseases.

  • 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

Medi Classic Gold
Medi Classic Gold

Health Insurance Plan

VS
Health Elite Plus
Health Elite Plus

Health Insurance Plan

Room Rent

Medi Classic Gold

Under the Gold Plan, the room-rent limit depends on the selected Sum Insured. The reviewed product information indicates a limit of up to ₹5,000 per day for ₹3 lakh and ₹4 lakh Sum Insured options, and Private Single AC Room eligibility for Sum Insured options from ₹5 lakh to ₹25 lakh. Verify against the current policy wording.


VS

Health Elite Plus

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

Medi Classic Gold

Covered subject to applicable policy terms and limits. Confirm the exact limit in the current policy wording.


VS

Health Elite Plus

Not verified for the exact current variant configuration.

Advanced Treatments

Medi Classic Gold

Information Unavailable

VS

Health Elite Plus

  1. Oral chemotherapy
  2. Robotic surgeries
  3. Stem cell therapy
Co-payment

Medi Classic Gold

A 10% co-payment applies to insured persons whose entry age is 61 years or above, subject to policy terms.


VS

Health Elite Plus

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

Disease-wise sublimits

Medi Classic Gold

Specific limits may apply to certain treatments and benefits, including modern treatments and cataract treatment. Refer to the current policy wording for applicable limits.


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

Medi Classic Gold

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


VS

Health Elite Plus

10,000+ Cashless Healthcare Providers

Restoration Benefit

Medi Classic Gold

The Gold Plan is reported to include automatic restoration of the Basic Sum Insured by 200% once during the policy period, along with a separate Super Restoration benefit of an additional 100% of the Basic Sum Insured once for subsequent hospitalisation. Confirm the triggering conditions, usage rules and restrictions in the current policy wording.

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.

Daycare Treatment

Medi Classic Gold

Eligible daycare procedures are covered, subject to policy terms and applicable limits.


VS

Health Elite Plus

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

Cumulative Bonus

Medi Classic Gold

Available under the Gold Plan, subject to claim-free-year rules and applicable limits. Confirm the precise increment and reduction conditions against the current policy wording.


VS

Health Elite Plus

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

AYUSH Treatment

Medi Classic Gold

Eligible inpatient AYUSH treatment is covered up to the Basic Sum Insured, subject to policy terms and conditions.

VS

Health Elite Plus

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

Consumable Cover

Medi Classic Gold

Not established from the reviewed source. Verify whether consumables are covered under the base policy or an optional benefit.


VS

Health Elite Plus

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

Initial Waiting Period

Medi Classic Gold

30 days for illnesses from the first policy commencement date, except covered accident claims, subject to policy terms

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

Medi Classic Gold

24 months for specified diseases and procedures, subject to policy terms.

VS

Health Elite Plus

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

PED Waiting Period

Medi Classic Gold

36 months of continuous coverage, subject to policy terms and acceptance of the pre-existing disease.

VS

Health Elite Plus

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

Modern Treatment

Medi Classic Gold

Covered subject to applicable policy limits and policy terms.


VS

Health Elite Plus

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

Annual Health Checkup

Medi Classic Gold

Preventive health check-up is available at network providers, subject to the applicable Sum Insured, package limits and policy conditions. Confirm the exact benefit limit before publication.


VS

Health Elite Plus

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

Pre-Hospitalisation

Medi Classic Gold

Up to 30 days before hospitalisation, subject to policy terms.

VS

Health Elite Plus

60 days


Post-Hospitalisation

Medi Classic Gold

Up to 60 days after discharge under the Gold Plan, subject to policy terms.


VS

Health Elite Plus

180 days.

Outpatient Department Cover (OPD Expense)

Medi Classic Gold

Routine OPD coverage is not established from the reviewed source. Tele-consultation is listed separately as a benefit.


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

Medi Classic Gold

Not established from the reviewed source. Verify the policy wording and schedule before publishing.


VS

Health Elite Plus

No deductible option.

Coverage Options

Medi Classic Gold

Gold Plan Sum Insured options are reported as ₹3 lakh, ₹4 lakh, ₹5 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh and ₹25 lakh. Confirm current availability against the latest product document.


VS

Health Elite Plus

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

Claim Settlement Ratio

Medi Classic Gold

Not verified for this specific product variant. Do not publish a numerical ratio without a reliable, dated source.


VS

Health Elite Plus

Information Unavailable

Maternity Cover

Medi Classic Gold

Maternity expenses are excluded, subject to any specific exception stated in the applicable policy wording.

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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Why Choose Our Expert Consultation?

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Talk to experienced advisors at no cost, and make confident decisions

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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

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  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

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  • 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

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