Partner with us

Insurance Plans Comparison

ICICI Lombard Health Shield 360 vs ICICI Lombard Health Elite

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

Read more
ICICI Lombard

Health Shield 360

Reset up to 100% of the sum insured unlimited times for a later unrelated illness, cover 90 days before hospitalisation and 180 days after, and add a 10% claim-free cumulative bonus up to 100%.

What Makes It Special:

Health Shield 360 by ICICI Lombard is a group health insurance product offering hospitalisation, daycare procedures, inpatient AYUSH treatment and pre- and post-hospitalisation expenses. Its key features include an unlimited reset benefit, a cumulative bonus of up to 100% of the sum insured and optional covers such as OPD, maternity,...

Best For:

  • Customers who value the flexibility to select additional protection, subject to group policy availability.

  • People seeking optional benefits such as OPD consultations, diagnostics or maternity cover.

  • Customers who want to build additional cover through claim-free-year bonuses.

  • Individuals or families looking for hospitalisation and daycare treatment cover.

  • Customers seeking health insurance with an unlimited reset benefit for eligible future claims.

VS
ICICI Lombard

Health Elite

Include maternity after 3 years and outpatient treatment, pay hospital daily cash for a stay of at least 3 days, and add a 10% cumulative bonus each claim-free year, up to 50% of the sum insured.

What Makes It Special:

ICICI Lombard Health Elite is a comprehensive health insurance option with benefits that may include in-patient treatment, daycare procedures, pre- and post-hospitalisation expenses, outpatient treatment and maternity cover, depending on the applicable policy version and selected configuration.

Best For:

  • Buyers comparing sum insured options, reset benefits, waiting periods and policy-specific restrictions before choosing a plan.

  • Families evaluating maternity and newborn-related benefits, subject to eligibility and waiting periods.

  • Individuals who want to compare available outpatient treatment benefits and their applicable limits.

  • Buyers looking for a policy with additional healthcare benefits beyond basic hospitalisation cover.

  • Individuals seeking health insurance for eligible hospitalisation and daycare expenses.

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

  • Understand the reset benefit's restrictions, including its non-availability for the first claim and its annual reset limit.

  • Evaluate optional benefits, including Claim Protector, OPD, maternity and worldwide cover, against their additional premiums and limits.

  • Check the room-category entitlement, as choosing a higher category may lead to proportionate deductions.

  • Review the two-year PED and specified-treatment waiting periods before choosing the plan.

  • Compare the available sum insured with likely hospitalisation costs and your existing health insurance.

  • Match the policy UIN and schedule to the exact Health Elite version being offered, because benefits may differ between versions.

  • Confirm whether outpatient treatment, maternity and newborn benefits are included in your chosen configuration and check their limits.

  • Review waiting periods for pre-existing diseases, specified treatments and maternity benefits before relying on the policy.

  • Check room eligibility, hospitalisation limits and exclusions to understand the expenses the policy may leave you paying.

  • Choose a sum insured that reflects potential hospitalisation expenses and the number of people covered.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Shield 360
Health Shield 360

Health Insurance Plan

VS
Health Elite
Health Elite

Health Insurance Plan

Room Rent

Health Shield 360

Normal: No Capping (Covered up to Sum Insured)

ICU: No Capping (Covered up to Sum Insured)

VS

Health Elite

Information Unavailable

Advanced Treatments

Health Shield 360

Day Care Procedures

Organ Donor Expenses

Home Healthcare (Optional)

Air Ambulance (Optional)

Worldwide Coverage (Optional)

VS

Health Elite

  1. Stem Cell Therapy
  2. Robotic Surgeries
  3. Oral Chemotherapy
  4. Deep Brain Stimulation
  5. Bronchial Thermoplasty
  6. Intra Operative Neuro Monitoring (IONM)
ICU Charges

Health Shield 360

ICU expenses are covered under eligible hospitalisation claims, subject to the applicable sum insured and any room or ICU restrictions in the policy schedule.

VS

Health Elite

Covered under eligible in-patient hospitalisation, subject to the applicable sum insured and policy conditions.

Co-payment

Health Shield 360

None (100% claims paid by insurer)

VS

Health Elite

Policyholders can opt for a co-payment of 10% or 20%, sharing a fixed percentage of the claim amount, which can help reduce premium costs.

Disease-wise sublimits

Health Shield 360

Disease- or procedure-specific sublimits may apply if the relevant optional sublimit benefit is selected under the policy. The applicable limits are determined by the policy schedule.

VS

Health Elite

Specific limits depend on the applicable policy wording, sum insured and benefit configuration. A complete variant-specific list has not been verified.

Cashless Healthcare Providers

Health Shield 360

6500+ network hospitals

VS

Health Elite

Access to over 6,700 network hospitals and clinics for cashless treatments, ensuring convenient and hassle-free medical care.

Restoration Benefit

Health Shield 360

The Unlimited Reset Benefit can reset up to 100% of the annual sum insured an unlimited number of times in a policy year when the available cover is insufficient after previous claims. The reset does not apply to the first claim, is limited to the annual sum insured, and is subject to reuse conditions and policy terms.

VS

Health Elite

Published Health Elite materials list an unlimited reset benefit. The precise trigger, eligible claims and conditions must be confirmed against the applicable policy wording.

Daycare Treatment

Health Shield 360

Covered

VS

Health Elite

Covers medical procedures requiring less than 24-hour hospitalization, such as cataract surgery and chemotherapy, accommodating treatments that don't necessitate extended hospital stays.

Cumulative Bonus

Health Shield 360

An additional sum insured of 10% accrues for each claim-free policy year, up to 100% of the sum insured. A claim can reduce the accrued bonus by 10% of the annual sum insured.

VS

Health Elite

Published Health Elite materials list Additional Sum Insured and a Super No Claim Bonus option. The applicable benefit percentage and conditions are not verified for this variant.

AYUSH Treatment

Health Shield 360

Covered

VS

Health Elite

Expenses for alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered when availed at government-recognized institutions, promoting holistic healthcare options.

Consumable Cover

Health Shield 360

Non-payable items are not automatically covered under the standard plan. The optional Claim Protector benefit can cover eligible listed items, subject to its terms.

VS

Health Elite

Published Health Elite materials list Additional Sum Insured and a Super No Claim Bonus option. The applicable benefit percentage and conditions are not verified for this variant.

Initial Waiting Period

Health Shield 360

30 days for illnesses. Hospitalisation due to an accident is exempt from this initial waiting period.

VS

Health Elite

The insurer's general health insurance information states 30 days for illness-related hospitalisation, except accidents. Confirm the exact Health Elite policy terms.

Specific Waiting Period

Health Shield 360

Two years for specified illnesses and treatments. A separate 90-day restriction applies to expenses related to hypertension, diabetes and cardiac conditions, subject to the policy's PED provisions.

VS

Health Elite

The exact waiting period for specified diseases and procedures is not verified for this variant.

PED Waiting Period

Health Shield 360

Two years for declared and accepted pre-existing diseases, subject to the applicable policy terms.

VS

Health Elite

The exact waiting period for specified diseases and procedures is not verified for this variant.

Modern Treatment

Health Shield 360

Eligible modern medical treatments are covered when they meet the policy's definitions, conditions and exclusions.

VS

Health Elite

Listed as a covered category in the older Complete Health Insurance policy information, subject to the applicable policy terms and limits.

Annual Health Checkup

Health Shield 360

Available as an optional benefit, subject to the selected cover, eligibility, limits and applicable conditions.

VS

Health Elite

Health check-up is listed in published Health Elite materials. Eligibility, frequency and monetary limits are not verified for this exact variant.

Pre-Hospitalisation

Health Shield 360

Eligible medical expenses are covered for up to 90 days before hospitalisation.

VS

Health Elite

Up to 30 days according to the published Health Elite product comparison, subject to policy terms.

Post-Hospitalisation

Health Shield 360

Eligible medical expenses are covered for up to 180 days after hospitalisation.

VS

Health Elite

Up to 60 days according to the published Health Elite product comparison, subject to policy terms.

Outpatient Department Cover (OPD Expense)

Health Shield 360

Optional reimbursement cover for eligible consultations, pharmacy expenses and diagnostics. Limits are ₹2,000 for ₹5 lakh sum insured, ₹4,000 for ₹10 lakh and ₹7,500 for ₹25 lakh or ₹50 lakh.

VS

Health Elite

Outpatient Treatment Cover is listed in published Health Elite materials. The limit depends on the applicable sum insured and policy configuration.

Deductible Option

Health Shield 360

A voluntary deductible may be selected where available. It applies to aggregate hospitalisation expenses during the policy year before the insurer becomes liable.

VS

Health Elite

A voluntary deductible may be available under applicable ICICI Lombard health products, but its availability for this Health Elite variant is not verified.

Coverage Options

Health Shield 360

Individual and family floater options are available, subject to the applicable group policy's eligibility and enrolment conditions.

VS

Health Elite

Information Unavailable

Claim Settlement Ratio

Health Shield 360

FY 24-25: ~84%

VS

Health Elite

FY 24-25: ~84%

Maternity Cover

Health Shield 360

Available as an optional benefit for eligible delivery expenses, including caesarean delivery and lawful medical termination of pregnancy. Cover is limited to two deliveries or terminations during the period of insurance, subject to the applicable terms.

VS

Health Elite

Published materials list multiple sum insured options, including ₹5 lakh, ₹7 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh, ₹25 lakh and ₹50 lakh. Availability varies by policy version.

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

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.