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Insurance Plans Comparison

ICICI Lombard Health Elite vs ICICI Lombard iHealth

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

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.

VS
ICICI Lombard

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

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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

  • 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.

  • 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.

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Detailed Features Comparison

Compare the key features of different health insurance plans

Health Elite
Health Elite

Health Insurance Plan

VS
iHealth
iHealth

Health Insurance Plan

Brochure

Room Rent

Health Elite

Information Unavailable

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

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

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

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

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.

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

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

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

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

VS

iHealth

10,896+ hospitals across india 

Restoration Benefit

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.

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

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

VS

iHealth

Covered under the policy. 

Cumulative Bonus

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.

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

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

VS

iHealth

Covered under this policy

Consumable Cover

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.

VS

iHealth

Kindly refer to the policy wording.

Initial Waiting Period

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.

VS

iHealth

30 days from inception. Accident-related hospitalisation is exempt.

Specific Waiting Period

Health Elite

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

VS

iHealth

2 years for listed illnesses and procedures. Maternity has a 3-year waiting period where opted.

PED Waiting Period

Health Elite

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

VS

iHealth

2 years for declared and accepted pre-existing diseases

Modern Treatment

Health Elite

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

VS

iHealth

Kindly refer to the policy wording

Annual Health Checkup

Health Elite

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

VS

iHealth

Free health check-up at designated centres. Floater policies receive a maximum of 2 coupons per year.

Pre-Hospitalisation

Health Elite

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

VS

iHealth

Up to 30 days before hospitalisation, up to the sum insured

Post-Hospitalisation

Health Elite

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

VS

iHealth

Up to 60 days after discharge, up to the sum insured

Outpatient Department Cover (OPD Expense)

Health Elite

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

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

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

VS

iHealth

Kindly consult the policy wording

Coverage Options

Health Elite

Information Unavailable

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

FY 24-25: ~84%

VS

iHealth

FY 24-25: ~84%

Maternity Cover

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.

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.

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Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

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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

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