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Insurance Plans Comparison

ICICI Lombard Complete Health Insurance Health Protect Plus Plan vs Care Enhance Super Top-up Two

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

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ICICI Lombard

Complete Health Insurance Health Protect Plus Plan

Cover maternity, a newborn and outpatient treatment together with hospital daily cash and a convalescence benefit, and reset up to 100% of the sum insured once in a policy year for a later unrelated illness.

What Makes It Special:

Health Protect Plus is a plan under ICICI Lombard Complete Health Insurance that combines inpatient hospitalisation cover with eligible daycare procedures, inpatient AYUSH treatment, pre- and post-hospitalisation expenses, and a reset benefit. The plan-specific Key Information Sheet also lists maternity cover after a 36-month waiting period, newborn baby cover following...

Best For:

  • Customers comparing hospitalisation benefits with optional critical illness, donor expense or personal accident covers.

  • Buyers who value a limited combined allowance for outpatient treatment and wellness expenses.

  • Policyholders who want a reset benefit after eligible use of the sum insured.

  • Eligible couples seeking maternity benefits with a three-year waiting period and defined delivery limits.

  • Buyers looking for inpatient hospitalisation and eligible daycare treatment cover.

VS
Care

Enhance Super Top-up Two

High-value super top-up health cover with flexible deductibles for major hospitalisation expenses.

What Makes It Special:

Enhance 2 is a high-deductible health insurance option from Care Health Insurance Limited, designed to provide additional cover once eligible medical expenses cross the selected policy deductible. It offers sum insured choices from ₹30 lakh to ₹55 lakh and deductible options of ₹5 lakh, ₹10 lakh, ₹15 lakh and ₹20...

Best For:

  • Individuals looking for high sum insured options of ₹30 lakh to ₹55 lakh.

  • Buyers who can comfortably manage the selected deductible through savings or another insurance policy.

  • Families seeking a higher overall level of hospitalisation cover without buying an equivalent amount of base health insurance.

  • Buyers who understand the plan's waiting periods, room category, co-payment and exclusions before choosing it.

  • People who already have employer-provided or personal health insurance and want additional protection against large hospital bills.

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

  • Confirm which optional covers have actually been selected and paid for; critical illness, donor expenses and personal accident cover should not be assumed to be included automatically.

  • Treat the ₹5,000 outpatient and wellness allowance as a combined floater limit, not a separate limit for each benefit.

  • Review the cataract sub-limit carefully, as the applicable limit depends on the selected sum insured.

  • If maternity cover matters, check the 36-month waiting period, the requirement for both spouses to be insured and the delivery-related sub-limits.

  • Verify the sum insured and room-rent limits in the policy schedule before comparing premiums or coverage.

  • Check the base policy: Confirm that your existing policy or available funds can meet the deductible and that the policies' terms work together for claims.

  • Compare room eligibility: The brochure describes a single private AC room with upgrading to the next level; check the exact room entitlement and any linked deductions in the issued wording.

  • Review waiting periods: Account for the 30-day initial waiting period, 24-month named-ailment waiting period and 36-month pre-existing disease waiting period specified in the supplied Customer Information Sheet.

  • Confirm the exact policy version: Benefits and exclusions can change. Verify the policy wording, Customer Information Sheet, deductible and sum insured combination offered at purchase.

  • Choose the deductible carefully: Ensure that you can fund the selected ₹5 lakh to ₹20 lakh deductible when a claim arises.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Complete Health Insurance Health Protect Plus Plan
Complete Health Insurance Health Protect Plus Plan

Health Insurance Plan

Brochure

VS
Enhance Super Top-up Two
Enhance Super Top-up Two

Health Insurance Plan

Room Rent

Complete Health Insurance Health Protect Plus Plan

ICICI Health Protect Plus offers coverage for room rent, including both normal and ICU hospitalization, without any sub-limits.

VS

Enhance Super Top-up Two

Single private AC room, with upgrading to the next room category permitted .

Advanced Treatments

Complete Health Insurance Health Protect Plus Plan

Covers advanced treatments, including robotic surgeries, stem cell therapy (if medically necessary), oral chemotherapy, and modern procedures like targeted therapy.

VS

Enhance Super Top-up Two

Information Unavailable

ICU Charges

Complete Health Insurance Health Protect Plus Plan

Covered under inpatient treatment, subject to applicable policy terms and limits.

VS

Enhance Super Top-up Two

ICU charges are covered without a separate monetary limit stated in the brochure, subject to the policy's sum insured, deductible and terms.

Co-payment

Complete Health Insurance Health Protect Plus Plan

Does not have a mandatory co-payment for most treatments. However, co-payment may apply for senior citizens or specific medical conditions as per policy terms.

VS

Enhance Super Top-up Two

A 20% co-payment applies to each admissible claim for first-time entrants aged 61 years or above and their subsequent renewals, as described in the Customer Information Sheet.

Disease-wise sublimits

Complete Health Insurance Health Protect Plus Plan

Cataract: ₹20,000 per eye per policy year for sum insured up to ₹5 lakh; ₹1 lakh per eye per policy year for sum insured above ₹5 lakh.

VS

Enhance Super Top-up Two

No separate disease-wise sub-limit

Cashless Healthcare Providers

Complete Health Insurance Health Protect Plus Plan

10,896+ hospitals across india 

VS

Enhance Super Top-up Two

Cashless treatment is available at the insurer's network hospitals, subject to hospital participation and pre-authorisation. Use the current Care Health Insurance hospital locator for the live network count.

Restoration Benefit

Complete Health Insurance Health Protect Plus Plan

Reset Benefit restores up to 100% of sum insured once per policy year, subject to policy conditions; it does not trigger on the first claim.

VS

Enhance Super Top-up Two

No standard restoration benefit.

Daycare Treatment

Complete Health Insurance Health Protect Plus Plan

Covered under the policy. 

VS

Enhance Super Top-up Two

Specified daycare treatments requiring less than 24 hours of hospitalisation are covered, subject to the policy wording.

Cumulative Bonus

Complete Health Insurance Health Protect Plus Plan

10% of annual sum insured per claim-free year, up to 50%; a claim can reduce accrued bonus by 10% of annual sum insured at renewal.

VS

Enhance Super Top-up Two

No standard cumulative bonus.

AYUSH Treatment

Complete Health Insurance Health Protect Plus Plan

Covered under this policy

VS

Enhance Super Top-up Two

Covered benefit up to the sum insured, subject to applicable policy terms and exclusions.

Consumable Cover

Complete Health Insurance Health Protect Plus Plan

No separate consumables benefit verified in the available plan-specific information.

VS

Enhance Super Top-up Two

No separate standard consumables benefit.

Initial Waiting Period

Complete Health Insurance Health Protect Plus Plan

30 days for illnesses; injury-related hospitalisation is excepted.

VS

Enhance Super Top-up Two

30 days for illnesses, except accidents; the waiting period does not apply to continuous renewals as described in the Customer Information Sheet.

Specific Waiting Period

Complete Health Insurance Health Protect Plus Plan

24 months for specified illnesses and treatments.

VS

Enhance Super Top-up Two

24 months of continuous coverage for listed named ailments and procedures, subject to the policy wording.

PED Waiting Period

Complete Health Insurance Health Protect Plus Plan

24 months of continuous coverage.

VS

Enhance Super Top-up Two

36 months for pre-existing diseases.

Modern Treatment

Complete Health Insurance Health Protect Plus Plan

Not verified in the available Health Protect Plus Key Information Sheet.

VS

Enhance Super Top-up Two

Covers eligible inpatient and specified daycare treatment under the policy. Advanced technology methods are subject to the treatments expressly covered in the applicable policy wording.

Annual Health Checkup

Complete Health Insurance Health Protect Plus Plan

Free health-check-up coupon each policy year, subject to a maximum of 2 coupons annually for floater policies.

VS

Enhance Super Top-up Two

Available for covered adult members, irrespective of claim history, subject to policy terms.

Pre-Hospitalisation

Complete Health Insurance Health Protect Plus Plan

Up to 30 days.

VS

Enhance Super Top-up Two

Eligible medical expenses for up to 30 days before hospitalisation.

Post-Hospitalisation

Complete Health Insurance Health Protect Plus Plan

Up to 60 days.

VS

Enhance Super Top-up Two

Eligible medical expenses for up to 60 days after hospital discharge.

Outpatient Department Cover (OPD Expense)

Complete Health Insurance Health Protect Plus Plan

Included with Wellness & Preventive Healthcare within a combined ₹5,000 floater limit.

VS

Enhance Super Top-up Two

Routine outpatient treatment is excluded under the supplied policy wording. Do not list standard OPD treatment as an included benefit.

Deductible Option

Complete Health Insurance Health Protect Plus Plan

Not verified in the available plan-specific information.

VS

Enhance Super Top-up Two

₹5 lakh, ₹10 lakh, ₹15 lakh or ₹20 lakh per policy year, subject to available combinations. Eligible expenses are payable under the policy only after the applicable deductible is met.

Coverage Options

Complete Health Insurance Health Protect Plus Plan

Individual or floater structure; exact sum insured choices require verification from the applicable schedule.

VS

Enhance Super Top-up Two

Sum insured options of ₹30 lakh, ₹35 lakh, ₹40 lakh, ₹45 lakh, ₹50 lakh and ₹55 lakh, subject to available deductible combinations.

Claim Settlement Ratio

Complete Health Insurance Health Protect Plus Plan

Not verified against a current, comparable insurer-level CSR disclosure.

VS

Enhance Super Top-up Two

96.99%

Maternity Cover

Complete Health Insurance Health Protect Plus Plan

Available after 36 months: normal delivery ₹15,000; caesarean delivery ₹25,000; pre- and post-natal expenses ₹2,000 each, subject to eligibility conditions.

VS

Enhance Super Top-up Two

Maternity and childbirth-related hospitalisation expenses are excluded under the supplied brochure, except for the stated ectopic-pregnancy exception.

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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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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)

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Complete Health Insurance Health Protect Plus Plan Vs Enhance Super Top Up Two

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