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...
Read moreHealth 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
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
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
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.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Health Elite Health Insurance Plan VS VS |
![]() iHealth Health Insurance Plan |
| Room Rent |
|---|
Health Elite Information Unavailable |
VS 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
|
VS 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 VS |
iHealth Kindly consult the policy wording |
| Coverage Options |
|---|
Health Elite Information Unavailable |
VS 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 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 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. |
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?
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
Insurance Plans Comparison
Frequently Asked Questions (FAQs)
Having questions? We've got answers. Explore our FAQs to find the information you need.
Explore Our Most Popular Plans
Compare With Other Health Insurance Plans
Health Elite vs Supreme Senior Premium
Health Elite vs Energy Silver Without Copay
Health Elite vs Ultimate
Health Elite vs EquiCover
Health Elite vs Optima Secure Global Plus
Health Elite vs Optima Secure
Health Elite vs Super Mediclaim
Health Elite vs Critical Illness Platinum Plan
Health Elite vs Health Recharge
Health Elite vs Golden Shield
Health Elite vs Optima Secure Plus
Health Elite vs Cancer Cover Activ Cancer Secure Plan
Health Elite vs LifeTime Health Global
Health Elite vs Women Care
Health Elite vs Aspire Diamond+
Health Elite vs Activate Booster Plan A
Health Elite vs myHealth Medisure Super Top-up
Health Elite vs Health Super Saver Standard
Health Elite vs Active Care Premier
Health Elite vs ProHealth Accumulate
Health Elite vs Health Booster SuperTopup Individual Adult 1 Year N
Health Elite vs Supreme Shine
Health Elite vs Health Shield 360 Retail
Health Elite vs Health Cardiac Care Silver & Gold Plan
Health Elite vs myHealth Suraksha Gold
Health Elite vs Max Protect Premium
Health Elite vs Elder Care
Health Elite vs Young Star Gold
Health Elite vs Assure
Health Elite vs Active Fit Plus
Health Elite vs Cancer Care Platinum
Health Elite vs Health Connect Elite
Health Elite vs Arogya Sanjeevani
Health Elite vs OneHealth Premium
Health Elite vs ProHealth Prime Protect
Health Elite vs Optima Lite
Health Elite vs Medicare Plus
Health Elite vs Activ Health Platinum Essential
Health Elite vs GoActive
Health Elite vs Criti Shield Family Shield
Health Elite vs Medicare Senior
Health Elite vs Enhance Super Top-up Two
Health Elite vs Reassure 3.0
Health Elite vs Medicare Protect
Health Elite vs Health AdvantEdge Plus
Health Elite vs Activ One SAVR
Health Elite vs Active Assure Diamond
Health Elite vs Activ One VIP
Health Elite vs Health Pulse Classic
Health Elite vs Advantage
Health Elite vs Mediclaim Insurance Policy
Health Elite vs iHealth
Health Elite vs Special Care Gold
Health Elite vs Energy Gold Without Copay
Health Elite vs Activ One Max
Health Elite vs Smart Super Health
Health Elite vs Classic
Health Elite vs Activ One Vytl
Health Elite vs Supreme
Health Elite vs Freedom
Health Elite vs Sarvah Pratham
Health Elite vs Joy Today
Health Elite vs Medi Classic
Health Elite vs Activate Booster Plan B
Health Elite vs Aspire Gold+
Health Elite vs Health Gain
Health Elite vs Aspire Platinum+
Health Elite vs Plus Complete
Health Elite vs Health Companion Family First Plan
Health Elite vs Reassure 2.0 Platinum+
Health Elite vs Reassure 3.0 Elite
Health Elite vs Enhance Super Top-up One
Health Elite vs Joy Tomorrow
Health Elite vs Reassure 3.0 Select
Health Elite vs Activ One VIP+
Health Elite vs Red Carpet Senior Citizens
Health Elite vs Super Surplus Gold
Health Elite vs Health SuperCharge
Health Elite vs Health Elite Plus
Health Elite vs Medicare Premier
Health Elite vs Family Health Optima
Health Elite vs Health Companion Variant 2022
Health Elite vs Health Companion Variant 3
Health Elite vs Plus Youth
Health Elite vs ProHealth Prime Advantage
Health Elite vs Critical Illness Silver Plan
Health Elite vs Health Premia Gold
Health Elite vs Health Premia Platinum
Health Elite vs Comprehensive
Health Elite vs HeartBeat Enhanced
Health Elite vs Reassure
Health Elite vs Complete Health Insurance Health Shield Plus Plan
Health Elite vs myHealth Suraksha Platinum
Health Elite vs Health Recharge Super Top Up Plan
Health Elite vs Supreme Value for Money
Health Elite vs Supreme Enhance Two
Health Elite vs Supreme Senior Super
Health Elite vs Supreme Enhance
Health Elite vs Reassure 2.0 Gold
Health Elite vs Active Fit Preferred
Health Elite vs LifeTime Health
Health Elite vs Medicare
Health Elite vs ProHealth Prime Active
Health Elite vs ProHealth Prime Senior Elite
Health Elite vs Advanced Top Up
Health Elite vs Multiplier Health
Health Elite vs Ultimate (Direct)
Health Elite vs Young Star
Health Elite vs Star Women Care Policy
Health Elite vs Health Assurance
Health Elite vs Family Plus
Health Elite vs Sarvah Param
Health Elite vs Optima Insurance
Health Elite vs Smart Super Health Assure
Health Elite vs Criti Shield Plus
Health Elite vs Health Care Supreme Ultimo
Health Elite vs Super Star
Health Elite vs Reassure 3.0 Black
Health Elite vs Health Guard Platinum
Health Elite vs Health Guard Gold
Health Elite vs Elevate (Direct)
Health Elite vs Senior First Platinum
Health Elite vs Extra Care Plus Super Top-up
Health Elite vs Health Care Supreme Smart
Health Elite vs Medi Classic Gold
Health Elite vs Smart Health Pro
Health Elite vs Optima Super Secure
Health Elite vs Optima Secure Global
Health Elite vs Special Care
Health Elite vs Medicare LITE
Health Elite vs NextGen
Health Elite vs Health Shield 360
Health Elite vs SecureHealth
Health Elite vs Energy Silver With Copay
Health Elite vs Supreme (Direct)
Health Elite vs Plus
Health Elite vs Medicare Select
Health Elite vs Complete Health Insurance Health Protect Plus Plan
Health Elite vs myHealth Koti Suraksha
Health Elite vs Senior
Health Elite vs myHealth Suraksha Silver
Health Elite vs Health Booster
Health Elite vs Complete Health Insurance Health Shield
Health Elite vs Cardiac Care Platinum
Health Elite vs Royal Sundaram Lifeline Elite
Health Elite vs HeartBeat Platinum
Health Elite vs Supreme Enhance One
Health Elite vs HeartBeat Gold
Health Elite vs Health Companion Variant 2
Health Elite vs Health Companion Variant 1
Health Elite vs Aspire Titanium+
Health Elite vs iHealth Plus
Health Elite vs Reassure 3.0 Classic
Health Elite vs Senior Health Advantage
Health Elite vs Health Wallet
Health Elite vs Elevate
Health Elite vs Heart
Health Elite vs Reassure 2.0 Titanium+
Health Elite vs Diabetes Safe Plan A
Health Elite vs Reassure 2.0 Bronze+
Health Elite vs Young Star Silver
Health Elite vs Enhance Super Top-up
Health Elite vs Joy
Health Elite vs Supreme Senior Health AdvantEdge
Health Elite vs Health AdvantEdge
Health Elite vs Supreme Super Saver
Health Elite vs Health Insurance Platinum
iHealth vs Supreme Senior Premium
iHealth vs Energy Silver Without Copay
iHealth vs Ultimate
iHealth vs EquiCover
iHealth vs Optima Secure Global Plus
iHealth vs Optima Secure
iHealth vs Super Mediclaim
iHealth vs Critical Illness Platinum Plan
iHealth vs Health Recharge
iHealth vs Golden Shield
iHealth vs Optima Secure Plus
iHealth vs Cancer Cover Activ Cancer Secure Plan
iHealth vs LifeTime Health Global
iHealth vs Women Care
iHealth vs Aspire Diamond+
iHealth vs Activate Booster Plan A
iHealth vs myHealth Medisure Super Top-up
iHealth vs Health Super Saver Standard
iHealth vs Active Care Premier
iHealth vs ProHealth Accumulate
iHealth vs Health Booster SuperTopup Individual Adult 1 Year N
iHealth vs Supreme Shine
iHealth vs Health Shield 360 Retail
iHealth vs Health Cardiac Care Silver & Gold Plan
iHealth vs myHealth Suraksha Gold
iHealth vs Max Protect Premium
iHealth vs Elder Care
iHealth vs Young Star Gold
iHealth vs Assure
iHealth vs Active Fit Plus
iHealth vs Cancer Care Platinum
iHealth vs Health Connect Elite
iHealth vs Arogya Sanjeevani
iHealth vs OneHealth Premium
iHealth vs ProHealth Prime Protect
iHealth vs Optima Lite
iHealth vs Medicare Plus
iHealth vs Activ Health Platinum Essential
iHealth vs GoActive
iHealth vs Criti Shield Family Shield
iHealth vs Medicare Senior
iHealth vs Enhance Super Top-up Two
iHealth vs Reassure 3.0
iHealth vs Medicare Protect
iHealth vs Health AdvantEdge Plus
iHealth vs Activ One SAVR
iHealth vs Active Assure Diamond
iHealth vs Activ One VIP
iHealth vs Health Pulse Classic
iHealth vs Advantage
iHealth vs Mediclaim Insurance Policy
iHealth vs Special Care Gold
iHealth vs Energy Gold Without Copay
iHealth vs Activ One Max
iHealth vs Smart Super Health
iHealth vs Classic
iHealth vs Activ One Vytl
iHealth vs Supreme
iHealth vs Freedom
iHealth vs Sarvah Pratham
iHealth vs Joy Today
iHealth vs Medi Classic
iHealth vs Activate Booster Plan B
iHealth vs Aspire Gold+
iHealth vs Health Gain
iHealth vs Aspire Platinum+
iHealth vs Plus Complete
iHealth vs Health Companion Family First Plan
iHealth vs Reassure 2.0 Platinum+
iHealth vs Reassure 3.0 Elite
iHealth vs Enhance Super Top-up One
iHealth vs Joy Tomorrow
iHealth vs Reassure 3.0 Select
iHealth vs Activ One VIP+
iHealth vs Red Carpet Senior Citizens
iHealth vs Super Surplus Gold
iHealth vs Health SuperCharge
iHealth vs Health Elite Plus
iHealth vs Medicare Premier
iHealth vs Family Health Optima
iHealth vs Health Companion Variant 2022
iHealth vs Health Companion Variant 3
iHealth vs Plus Youth
iHealth vs ProHealth Prime Advantage
iHealth vs Critical Illness Silver Plan
iHealth vs Health Premia Gold
iHealth vs Health Premia Platinum
iHealth vs Comprehensive
iHealth vs HeartBeat Enhanced
iHealth vs Reassure
iHealth vs Complete Health Insurance Health Shield Plus Plan
iHealth vs myHealth Suraksha Platinum
iHealth vs Health Recharge Super Top Up Plan
iHealth vs Supreme Value for Money
iHealth vs Supreme Enhance Two
iHealth vs Supreme Senior Super
iHealth vs Supreme Enhance
iHealth vs Reassure 2.0 Gold
iHealth vs Active Fit Preferred
iHealth vs LifeTime Health
iHealth vs Medicare
iHealth vs ProHealth Prime Active
iHealth vs ProHealth Prime Senior Elite
iHealth vs Advanced Top Up
iHealth vs Multiplier Health
iHealth vs Ultimate (Direct)
iHealth vs Young Star
iHealth vs Star Women Care Policy
iHealth vs Health Assurance
iHealth vs Family Plus
iHealth vs Sarvah Param
iHealth vs Optima Insurance
iHealth vs Smart Super Health Assure
iHealth vs Criti Shield Plus
iHealth vs Health Care Supreme Ultimo
iHealth vs Super Star
iHealth vs Reassure 3.0 Black
iHealth vs Health Guard Platinum
iHealth vs Health Guard Gold
iHealth vs Elevate (Direct)
iHealth vs Senior First Platinum
iHealth vs Extra Care Plus Super Top-up
iHealth vs Health Care Supreme Smart
iHealth vs Medi Classic Gold
iHealth vs Smart Health Pro
iHealth vs Optima Super Secure
iHealth vs Optima Secure Global
iHealth vs Special Care
iHealth vs Medicare LITE
iHealth vs NextGen
iHealth vs Health Shield 360
iHealth vs SecureHealth
iHealth vs Energy Silver With Copay
iHealth vs Supreme (Direct)
iHealth vs Plus
iHealth vs Medicare Select
iHealth vs Complete Health Insurance Health Protect Plus Plan
iHealth vs myHealth Koti Suraksha
iHealth vs Senior
iHealth vs myHealth Suraksha Silver
iHealth vs Health Booster
iHealth vs Complete Health Insurance Health Shield
iHealth vs Cardiac Care Platinum
iHealth vs Royal Sundaram Lifeline Elite
iHealth vs HeartBeat Platinum
iHealth vs Supreme Enhance One
iHealth vs HeartBeat Gold
iHealth vs Health Companion Variant 2
iHealth vs Health Companion Variant 1
iHealth vs Aspire Titanium+
iHealth vs iHealth Plus
iHealth vs Reassure 3.0 Classic
iHealth vs Senior Health Advantage
iHealth vs Health Wallet
iHealth vs Elevate
iHealth vs Heart
iHealth vs Reassure 2.0 Titanium+
iHealth vs Diabetes Safe Plan A
iHealth vs Reassure 2.0 Bronze+
iHealth vs Young Star Silver
iHealth vs Enhance Super Top-up
iHealth vs Joy
iHealth vs Health Elite
iHealth vs Supreme Senior Health AdvantEdge
iHealth vs Health AdvantEdge
iHealth vs Supreme Super Saver
iHealth vs Health Insurance Platinum
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.







.png)