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Insurance Plans Comparison

ICICI Lombard iHealth Plus vs ICICI Lombard Health Elite

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

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ICICI Lombard

iHealth Plus

Include maternity after a 3-year wait, newborn cover up to ₹10,000 and an outpatient and wellness allowance, plus a 10% cumulative bonus each claim-free year up to 50% of the sum insured.

What Makes It Special:

iHealth Plus is a discontinued ICICI Lombard Complete Health Insurance variant. It provides hospitalisation cover, outpatient treatment, maternity cover after 3 years, and an annual free health check-up, with no co-payment and no room rent restriction.

Best For:

  • Buyers comparing it with ICICI Lombard’s current Complete Health Insurance plans

  • Policyholders reviewing an existing iHealth Plus cover before renewal

  • Families who want outpatient treatment and an annual health check-up

  • Buyers who want no room rent restriction and no co-payment

  • Families planning a pregnancy within three years, if the policy was bought earlier

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

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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 iHealth Plus

  • Kindly consult the insurer for sublimits and the cumulative bonus before deciding.

  • Confirm the sum insured range, since sources differ on the upper limit.

  • The PED waiting period is 2 or 4 years depending on the sum insured, so check the one you chose.

  • Maternity cover needs a 3-year wait, so plan ahead if you intend to start a family.

  • Because the plan is discontinued, compare current ICICI Lombard plans before deciding.

ICICI Lombard Health Elite

  • 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

iHealth Plus
iHealth Plus

Health Insurance Plan

Brochure

Policy Wording

VS
Health Elite
Health Elite

Health Insurance Plan

Brochure

Policy Wording

Room Rent

iHealth Plus

Normal Room: No capping — covered up to Sum Insured

ICU Charges: No capping — covered up to Sum Insured

VS

Health Elite

Information Unavailable

Advanced Treatments

iHealth Plus

Day Care Procedures

Organ Transplant Related Donor Expenses (Optional Cover)

Critical Illness Cover (Optional Cover)

AYUSH Hospitalisation

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

iHealth Plus

Information Unavailable

VS

Health Elite

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

Co-payment

iHealth Plus

No Co-pay — 100% of admissible claims covered by the 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

iHealth Plus

Information Unavailable

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

iHealth Plus

Cashless treatment available at 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

iHealth Plus

Information Unavailable

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

iHealth Plus

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

iHealth Plus

Information Unavailable

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

iHealth Plus

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

iHealth Plus

Information Unavailable

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

iHealth Plus

30 days

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

iHealth Plus

Information Unavailable

VS

Health Elite

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

PED Waiting Period

iHealth Plus

2 years or 4 years, depending on sum insured

VS

Health Elite

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

Modern Treatment

iHealth Plus

Information Unavailable

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

iHealth Plus

Free annual health check-up

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

iHealth Plus

Information Unavailable

VS

Health Elite

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

Post-Hospitalisation

iHealth Plus

Information Unavailable

VS

Health Elite

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

Outpatient Department Cover (OPD Expense)

iHealth Plus

Outpatient treatment covered. Kindly consult for limits.

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

iHealth Plus

Information Unavailable

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

iHealth Plus

Individual and floater

VS

Health Elite

Information Unavailable

Claim Settlement Ratio

iHealth Plus

FY 24-25: ~84%

VS

Health Elite

FY 24-25: ~84%

Maternity Cover

iHealth Plus

Covered after a 3-year waiting period

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

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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

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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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