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Complete Health Insurance Health Protect Plus Plan Vs Cardiac Care Platinum

Insurance Plans Comparison

ICICI Lombard Complete Health Insurance Health Protect Plus Plan vs Star Cardiac Care Platinum

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare coverage, benefits, and premiums to find the perfect plan for your needs.

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

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.

Cardiac Care Platinum

Health cover for heart patients with cardiac cover from day 31, plus non-cardiac, OPD and health check-up benefits.

What Makes It Special:

A specialised health plan for people who have already had heart treatment, including cardiac surgery or a procedure. It covers heart-related hospitalisation after 30 days, as well as non-cardiac illness and accident cover, OPD expenses and an annual health check-up.

Best For:

Patients who may need cardiac devices such as pacemakers or AICD.
People who want heart and non-heart hospitalisation in one plan.
People wanting cardiac cover after a 30-day waiting period.
Heart patients who find it hard to get a regular health policy.
People aged 7 to 70 who have had cardiac surgery or a procedure, such as angioplasty or bypass.

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.

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Quick Decision Guide

ICICI Lombard Complete Health Insurance Health Protect Plus Plan

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.

Star Cardiac Care Platinum

Things to Consider: Maternity is not covered, and the premium is higher than a standard health plan.
Things to Consider: Sublimits apply to cataract, cardiac devices, angiogram, rehabilitation and modern treatments.
Things to Consider: Restoration does not apply to cardiac claims or modern treatments.
Things to Consider: Sum Insured is capped at ₹15 lakh.
Things to Consider: Non-cardiac pre-existing diseases have a 36-month waiting period.
Reasons to Consider: Cardiac devices up to 50% of SI, heart transplantation and coronary angiogram are specifically covered.
Reasons to Consider: OPD expenses and an annual health check-up are paid in addition to the Sum Insured.
Reasons to Consider: Hospitalisation includes a single private AC room.
Reasons to Consider: No pre-policy medical tests are required, but past medical records must be submitted.
Reasons to Consider: Cardiac ailments, including pre-existing heart conditions, are covered after only 30 days.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Complete Health Insurance Health Protect Plus Plan

Health Insurance Plan

Brochure

Cardiac Care Platinum

Health Insurance Plan

Brochure

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.	Cardiac Care Platinum Single Private A/C Room; proportionate deduction applies for a higher room category, except where the hospital does not use differential billing.

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.	Cardiac Care Platinum Information Unavailable

ICU Charges
Complete Health Insurance Health Protect Plus Plan Covered under inpatient treatment, subject to applicable policy terms and limits.	Cardiac Care Platinum Covered as part of hospitalisation expenses up to Sum Insured in Sections 1 and 2; no separate ICU cap stated.

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.	Cardiac Care Platinum No co-payment clause found in the policy documents.

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.	Cardiac Care Platinum Cataract: ₹30,000 per eye (maximum ₹40,000 per year) for SI ₹5L; ₹40,000 per eye (maximum ₹60,000 per year) for higher SI. Cardiac devices up to 50% of SI; conventional coronary angiogram ₹20,000 for SI up to ₹7.5L or ₹25,000 above; rehabilitation and pain management up to 10% of SI; modern treatment sublimits apply; coronary stents are subject to DPCO/NPPA caps.

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.

Cardiac Care Platinum

Cataract: ₹30,000 per eye (maximum ₹40,000 per year) for SI ₹5L; ₹40,000 per eye (maximum ₹60,000 per year) for higher SI. Cardiac devices up to 50% of SI; conventional coronary angiogram ₹20,000 for SI up to ₹7.5L or ₹25,000 above; rehabilitation and pain management up to 10% of SI; modern treatment sublimits apply; coronary stents are subject to DPCO/NPPA caps.

Cashless Healthcare Providers
Complete Health Insurance Health Protect Plus Plan 10,896+ hospitals across india	Cardiac Care Platinum Cashless treatment is available at Star Health network hospitals for Sections 1 and 2. Reimbursement is available at non-network hospitals; network hospital count requires verification.

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.	Cardiac Care Platinum Automatic restoration of 100% of Basic Sum Insured once per policy period under Section 1 only, for unrelated illness; not available for cardiac ailments or modern treatments.

Daycare Treatment
Complete Health Insurance Health Protect Plus Plan Covered under the policy.	Cardiac Care Platinum All Day care procedures are covered.

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.	Cardiac Care Platinum 10% of the Basic Sum Insured for each claim-free year, up to 100%; not applicable to Section 3 OPD.

AYUSH Treatment
Complete Health Insurance Health Protect Plus Plan Covered under this policy	Cardiac Care Platinum In-patient AYUSH treatment is covered up to the Sum Insured under Sections 1 and 2. Yoga and Naturopathy require prior approval.

Consumable Cover
Complete Health Insurance Health Protect Plus Plan No separate consumables benefit verified in the available plan-specific information.	Cardiac Care Platinum Not mentioned as a separate benefit in the policy documents.

Initial Waiting Period
Complete Health Insurance Health Protect Plus Plan 30 days for illnesses; injury-related hospitalisation is excepted.	Cardiac Care Platinum 30 days for illness under Section 1; accidents are covered from day 1. Section 2 cardiac cover also has a 30-day waiting period.

Specific Waiting Period
Complete Health Insurance Health Protect Plus Plan 24 months for specified illnesses and treatments.	Cardiac Care Platinum 24 months for listed diseases and procedures in Section 1; 24 months for heart transplantation.

PED Waiting Period
Complete Health Insurance Health Protect Plus Plan 24 months of continuous coverage.	Cardiac Care Platinum 36 months for non-cardiac pre-existing diseases in Section 1; 30 days for cardiac pre-existing diseases in Section 2.

Modern Treatment
Complete Health Insurance Health Protect Plus Plan Not verified in the available Health Protect Plus Key Information Sheet.	Cardiac Care Platinum Covered under Sections 1 and 2, subject to treatment-wise sublimits by Sum Insured. Examples: robotic surgery ₹2.5L–₹4L; oral chemotherapy ₹1.25L–₹2.5L; immunotherapy ₹2.5L–₹5L. Bronchial thermoplasty, prostate vaporisation and IONM are covered up to the Sum Insured. These benefits are part of the Sum Insured.

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.	Cardiac Care Platinum Covered every policy year irrespective of claims at network facilities: ₹2,000 for SI ₹5L and ₹7.5L, ₹3,000 for ₹10L, and ₹4,000 for ₹15L; in addition to the Sum Insured.

Pre-Hospitalisation
Complete Health Insurance Health Protect Plus Plan Up to 30 days.	Cardiac Care Platinum Up to 30 days before admission.

Post-Hospitalisation
Complete Health Insurance Health Protect Plus Plan Up to 60 days.	Cardiac Care Platinum Up to 60 days after 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.	Cardiac Care Platinum Covered at network facilities, including vaccination, on a reimbursement basis: ₹2,500 / ₹3,000 / ₹3,500 / ₹5,000 per policy period for SI ₹5L / ₹7.5L / ₹10L / ₹15L. In addition to the Sum Insured. Cardiac treatment is payable under Section 2, not under OPD.

Deductible Option
Complete Health Insurance Health Protect Plus Plan Not verified in the available plan-specific information.	Cardiac Care Platinum Not available or mentioned in the policy documents.

Coverage Options
Complete Health Insurance Health Protect Plus Plan Individual or floater structure; exact sum insured choices require verification from the applicable schedule.	Cardiac Care Platinum Sum Insured ₹5L, ₹7.5L, ₹10L, or ₹15L. Entry age 7–70 years with a past cardiac ailment treated by surgical intervention or procedure. Policy term 1, 2, or 3 years; lifelong renewal.

Claim Settlement Ratio
Complete Health Insurance Health Protect Plus Plan Not verified against a current, comparable insurer-level CSR disclosure.	Cardiac Care Platinum 92.16% of claims settled by number in FY 2025–26.

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.	Cardiac Care Platinum Not covered; maternity is excluded under Code Excl 18.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Complete Health Insurance Health Protect Plus Plan

Health Insurance Plan

Brochure

Cardiac Care Platinum

Health Insurance Plan

Brochure

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 VS
Cardiac Care Platinum Single Private A/C Room; proportionate deduction applies for a higher room category, except where the hospital does not use differential billing.

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 VS
Cardiac Care Platinum Information Unavailable

ICU Charges
Complete Health Insurance Health Protect Plus Plan Covered under inpatient treatment, subject to applicable policy terms and limits.
VS VS
Cardiac Care Platinum Covered as part of hospitalisation expenses up to Sum Insured in Sections 1 and 2; no separate ICU cap stated.

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 VS
Cardiac Care Platinum No co-payment clause found in the policy documents.

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 VS
Cardiac Care Platinum Cataract: ₹30,000 per eye (maximum ₹40,000 per year) for SI ₹5L; ₹40,000 per eye (maximum ₹60,000 per year) for higher SI. Cardiac devices up to 50% of SI; conventional coronary angiogram ₹20,000 for SI up to ₹7.5L or ₹25,000 above; rehabilitation and pain management up to 10% of SI; modern treatment sublimits apply; coronary stents are subject to DPCO/NPPA caps.

Cashless Healthcare Providers
Complete Health Insurance Health Protect Plus Plan 10,896+ hospitals across india
VS VS
Cardiac Care Platinum Cashless treatment is available at Star Health network hospitals for Sections 1 and 2. Reimbursement is available at non-network hospitals; network hospital count requires verification.

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 VS
Cardiac Care Platinum Automatic restoration of 100% of Basic Sum Insured once per policy period under Section 1 only, for unrelated illness; not available for cardiac ailments or modern treatments.

Daycare Treatment
Complete Health Insurance Health Protect Plus Plan Covered under the policy.
VS VS
Cardiac Care Platinum All Day care procedures are covered.

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 VS
Cardiac Care Platinum 10% of the Basic Sum Insured for each claim-free year, up to 100%; not applicable to Section 3 OPD.

AYUSH Treatment
Complete Health Insurance Health Protect Plus Plan Covered under this policy
VS VS
Cardiac Care Platinum In-patient AYUSH treatment is covered up to the Sum Insured under Sections 1 and 2. Yoga and Naturopathy require prior approval.

Consumable Cover
Complete Health Insurance Health Protect Plus Plan No separate consumables benefit verified in the available plan-specific information.
VS VS
Cardiac Care Platinum Not mentioned as a separate benefit in the policy documents.

Initial Waiting Period
Complete Health Insurance Health Protect Plus Plan 30 days for illnesses; injury-related hospitalisation is excepted.
VS VS
Cardiac Care Platinum 30 days for illness under Section 1; accidents are covered from day 1. Section 2 cardiac cover also has a 30-day waiting period.

Specific Waiting Period
Complete Health Insurance Health Protect Plus Plan 24 months for specified illnesses and treatments.
VS VS
Cardiac Care Platinum 24 months for listed diseases and procedures in Section 1; 24 months for heart transplantation.

PED Waiting Period
Complete Health Insurance Health Protect Plus Plan 24 months of continuous coverage.
VS VS
Cardiac Care Platinum 36 months for non-cardiac pre-existing diseases in Section 1; 30 days for cardiac pre-existing diseases in Section 2.

Modern Treatment
Complete Health Insurance Health Protect Plus Plan Not verified in the available Health Protect Plus Key Information Sheet.
VS VS
Cardiac Care Platinum Covered under Sections 1 and 2, subject to treatment-wise sublimits by Sum Insured. Examples: robotic surgery ₹2.5L–₹4L; oral chemotherapy ₹1.25L–₹2.5L; immunotherapy ₹2.5L–₹5L. Bronchial thermoplasty, prostate vaporisation and IONM are covered up to the Sum Insured. These benefits are part of the Sum Insured.

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 VS
Cardiac Care Platinum Covered every policy year irrespective of claims at network facilities: ₹2,000 for SI ₹5L and ₹7.5L, ₹3,000 for ₹10L, and ₹4,000 for ₹15L; in addition to the Sum Insured.

Pre-Hospitalisation
Complete Health Insurance Health Protect Plus Plan Up to 30 days.
VS VS
Cardiac Care Platinum Up to 30 days before admission.

Post-Hospitalisation
Complete Health Insurance Health Protect Plus Plan Up to 60 days.
VS VS
Cardiac Care Platinum Up to 60 days after 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 VS
Cardiac Care Platinum Covered at network facilities, including vaccination, on a reimbursement basis: ₹2,500 / ₹3,000 / ₹3,500 / ₹5,000 per policy period for SI ₹5L / ₹7.5L / ₹10L / ₹15L. In addition to the Sum Insured. Cardiac treatment is payable under Section 2, not under OPD.

Deductible Option
Complete Health Insurance Health Protect Plus Plan Not verified in the available plan-specific information.
VS VS
Cardiac Care Platinum Not available or mentioned in the policy documents.

Coverage Options
Complete Health Insurance Health Protect Plus Plan Individual or floater structure; exact sum insured choices require verification from the applicable schedule.
VS VS
Cardiac Care Platinum Sum Insured ₹5L, ₹7.5L, ₹10L, or ₹15L. Entry age 7–70 years with a past cardiac ailment treated by surgical intervention or procedure. Policy term 1, 2, or 3 years; lifelong renewal.

Claim Settlement Ratio
Complete Health Insurance Health Protect Plus Plan Not verified against a current, comparable insurer-level CSR disclosure.
VS VS
Cardiac Care Platinum 92.16% of claims settled by number in FY 2025–26.

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 VS
Cardiac Care Platinum Not covered; maternity is excluded under Code Excl 18.

Insurance Plans Comparison

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Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

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

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

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Complete Health Insurance Health Protect Plus Plan vs Health Companion Variant 2

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