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Insurance Plans Comparison

ICICI Lombard Health Elite vs Star Medi Classic

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
Star

Medi Classic

Star Medi Classic is an individual health insurance with essential hospitalisation benefits, preventive health check-ups and additional optional benefits.

What Makes It Special:

Medi Classic Insurance Policy is an individual health insurance plan that provides coverage for hospitalisation and selected medical treatments. It offers Sum Insured options from ₹5 Lakh to ₹15 Lakh, along with pre and post-hospitalisation coverage, preventive health check-ups and cumulative bonus. Optional Patient Care and Hospital Cash benefits are...

Best For:

  • Customers interested in optional Patient Care or Hospital Cash benefits.

  • Individuals looking for preventive health check-up benefits.

  • Customers who want pre and post-hospitalisation coverage.

  • People seeking Sum Insured options between ₹5 Lakh and ₹15 Lakh.

  • Individuals looking for individual health insurance coverage.

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

  • 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.

Star Medi Classic

  • Review the applicable limits carefully, especially for room rent, modern treatments and other treatments with specific limits.

  • Consider the optional Patient Care and Hospital Cash benefits if they match your requirements.

  • The plan may suit customers who value pre-hospitalisation and post-hospitalisation coverage.

  • Consider it if a Sum Insured of ₹5 Lakh to ₹15 Lakh meets your coverage requirement.

  • Choose this plan if you need individual health insurance rather than a family floater.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Elite
Health Elite

Health Insurance Plan

Brochure

Policy Wording

VS
Medi Classic
Medi Classic

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Health Elite

Information Unavailable

VS

Medi Classic

2% of Sum Insured per day, subject to a maximum of ₹5,000 per day.



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

Medi Classic

Information Unavailable

ICU Charges

Health Elite

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

VS

Medi Classic

Covered as per the applicable policy terms and limits.

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

Medi Classic

Not specified in the retrieved source.



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

Medi Classic

Modern treatments and cataract treatment are subject to applicable limits.



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

Medi Classic

Not specified in the retrieved source.



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

Medi Classic

Not specified in the retrieved source.

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

Medi Classic

Not specified in the retrieved source.



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

Medi Classic

5% of the Sum Insured for every claim-free year, subject to a maximum of 25% of the Sum Insured.



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

Medi Classic

Not specified in the retrieved source.



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

Medi Classic

Not specified in the retrieved source.



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

Medi Classic

Not specified in the retrieved source.



Specific Waiting Period

Health Elite

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

VS

Medi Classic

Not specified in the retrieved source.



PED Waiting Period

Health Elite

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

VS

Medi Classic





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

Medi Classic

Covered, subject to applicable limits and policy terms.



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

Medi Classic

Preventive health check-up is covered as per policy terms.



Pre-Hospitalisation

Health Elite

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

VS

Medi Classic

Covered for 30 days.



Post-Hospitalisation

Health Elite

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

VS

Medi Classic

Covered for 60 days, subject to the applicable limits and conditions.



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

Medi Classic

Not specified as a standard base benefit in the retrieved source. Optional Patient Care and Hospital Cash benefits are available subject to conditions.



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

Medi Classic

Not specified in the retrieved source.



Coverage Options

Health Elite

Information Unavailable

VS

Medi Classic

Sum Insured options of ₹5 Lakh, ₹7.5 Lakh, ₹10 Lakh and ₹15 Lakh.



Claim Settlement Ratio

Health Elite

FY 24-25: ~84%

VS

Medi Classic

Not specified in the retrieved source.



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

Medi Classic

Not specified in the retrieved source.



Insurance Plans Comparison

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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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