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Insurance Plans Comparison

ICICI Lombard Health Elite Plus vs Star Young Star

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

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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.

VS
Star

Young Star

Restore the basic sum insured by 100% for later claims in the same year, add a 20% cumulative bonus each claim-free year up to 100%, and get 25% extra cover, up to ₹10 lakh, after a helmeted two-wheeler accident.

What Makes It Special:

Young Star Insurance Policy is a health insurance plan designed for adults between 18 and 40 years, with dependent children eligible from 91 days to 25 years on a floater basis. It offers individual and family floater coverage, automatic restoration of Basic Sum Insured, cumulative bonus, health check-up benefits, wellness...

Best For:

  • Buyers looking for long-term health insurance with lifelong renewability

  • Customers who want wellness-based premium discounts

  • Customers looking for automatic restoration of Basic Sum Insured

  • Young families seeking individual or family floater coverage

  • Adults between 18 and 40 years looking for health insurance

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 Elite Plus

  • 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.

Star Young Star

  • The restored Sum Insured cannot be carried forward and does not apply to Modern Treatment.

  • The maternity benefit is available only under the Gold Plan and has specific eligibility and waiting period conditions.

  • Room eligibility is based on a Single Private A/C Room, with proportionate deductions for higher room categories.

  • Specified diseases and procedures have a 12-month waiting period.

  • The PED waiting period is 12 months.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Elite Plus
Health Elite Plus

Health Insurance Plan

Brochure

Policy Wording

VS
Young Star
Young Star

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Health Elite Plus

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

Young Star

Single Private A/C Room, with proportionate deductions applicable for higher room categories


Advanced Treatments

Health Elite Plus

  1. Oral chemotherapy
  2. Robotic surgeries
  3. Stem cell therapy
VS

Young Star

Information Unavailable

ICU Charges

Health Elite Plus

Not verified for the exact current variant configuration.

VS

Young Star

Covered as part of hospitalisation expenses

Co-payment

Health Elite Plus

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

VS

Young Star

No standard co-payment specified in the supplied policy document

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

Young Star

Applicable limits may apply to specific treatments and benefits


Cashless Healthcare Providers

Health Elite Plus

10,000+ Cashless Healthcare Providers

VS

Young Star

Cashless hospitalisation available through Star Health network hospitals

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

Young Star

100% Automatic Restoration of Basic Sum Insured, subject to policy conditions


Daycare Treatment

Health Elite Plus

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

VS

Young Star

All Day Care Procedures Covered

Cumulative Bonus

Health Elite Plus

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

VS

Young Star

20% of Basic Sum Insured for every claim-free year, up to 100% of Basic Sum Insured

AYUSH Treatment

Health Elite Plus

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

VS

Young Star

Covered, subject to applicable policy terms


Consumable Cover

Health Elite Plus

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

VS

Young Star

Not specifically mentioned in the supplied policy document


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

Young Star

30 Days, except for eligible accident-related claims

Specific Waiting Period

Health Elite Plus

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

VS

Young Star

12 Months for specified diseases and procedures


PED Waiting Period

Health Elite Plus

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

VS

Young Star

12 Months for pre-existing diseases and their direct complications


Modern Treatment

Health Elite Plus

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

VS

Young Star

Covered subject to applicable limits

Annual Health Checkup

Health Elite Plus

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

VS

Young Star

Available after completion of each policy year, subject to applicable limits and renewal


Pre-Hospitalisation

Health Elite Plus

60 days


VS

Young Star

Covered for up to 60 Days

Post-Hospitalisation

Health Elite Plus

180 days.

VS

Young Star

Covered for up to 90 Days

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

Young Star

Not specified as a standard OPD benefit

Deductible Option

Health Elite Plus

No deductible option.

VS

Young Star

1-day deductible applies to the Hospital Cash Benefit


Coverage Options

Health Elite Plus

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

VS

Young Star

₹3 Lakh to ₹1 Crore, with ₹3 Lakh available only on an individual basis; higher options available on individual and floater basis


Claim Settlement Ratio

Health Elite Plus

Information Unavailable

VS

Young Star

Not specified in the supplied policy document

Maternity Cover

Health Elite Plus

Childbirth-related medical expenses are excluded, except ectopic pregnancy, as stated in the exclusions.

VS

Young Star

Delivery expenses up to ₹30,000 per delivery under the Gold Plan, subject to a 36-month waiting period and other conditions


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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Free 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.

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