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Insurance Plans Comparison

Star Super Star vs ICICI Lombard Complete Health Insurance Health Protect Plus Plan

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

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Star

Super Star

Restore up to 100% of the sum insured unlimited times for later hospital stays, lock your entry-age premium until an inpatient, day-care or AYUSH claim or age 55, and stay in any room.

What Makes It Special:

Super Star is a highly customizable health insurance plan with broad hospitalisation coverage, unlimited restoration and flexible optional benefits. The product supports individual, floater and multi-individual structures and includes Freeze Your Age, wellness rewards, premium waiver and optional maternity and newborn covers

Best For:

  • Buyers who want extensive optional cover choices

  • Customers looking for any-room eligibility

  • Customers interested in unlimited restoration

  • Families wanting flexible floater options

  • Individuals seeking broad health coverage

VS
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.

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.

Quick Decision Guide

Star Super Star

Not available

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.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Super Star
Super Star

Health Insurance Plan

Brochure

Policy Wording

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

Health Insurance Plan

Brochure

Room Rent

Super Star

Any Room


VS

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.

ICU Charges

Super Star

Covered up to Sum Insured

VS

Complete Health Insurance Health Protect Plus Plan

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

Advanced Treatments

Super Star

Information Unavailable

VS

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.

Co-payment

Super Star

No mandatory co-payment; voluntary options available


VS

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.

Disease-wise sublimits

Super Star

Applicable treatment-specific limits may apply


VS

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.

Cashless Healthcare Providers

Super Star

Cashless treatment through network hospitals

VS

Complete Health Insurance Health Protect Plus Plan

10,896+ hospitals across india 

Restoration Benefit

Super Star

Automatic restoration up to 100%, unlimited number of times

VS

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.

Cumulative Bonus

Super Star

50% of Sum Insured for each claim-free year, up to 100%


VS

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.

Daycare Treatment

Super Star

All daycare procedures covered


VS

Complete Health Insurance Health Protect Plus Plan

Covered under the policy. 

Consumable Cover

Super Star

Available subject to selected cover

VS

Complete Health Insurance Health Protect Plus Plan

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

AYUSH Treatment

Super Star

Covered up to Sum Insured

VS

Complete Health Insurance Health Protect Plus Plan

Covered under this policy

Initial Waiting Period

Super Star

30 Days

VS

Complete Health Insurance Health Protect Plus Plan

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

Specific Waiting Period

Super Star

24 Months

VS

Complete Health Insurance Health Protect Plus Plan

24 months for specified illnesses and treatments.

PED Waiting Period

Super Star

36 Months

VS

Complete Health Insurance Health Protect Plus Plan

24 months of continuous coverage.

Modern Treatment

Super Star

Covered up to Sum Insured


VS

Complete Health Insurance Health Protect Plus Plan

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

Annual Health Checkup

Super Star

Available subject to policy terms


VS

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.

Pre-Hospitalisation

Super Star

Up to 90 Days

VS

Complete Health Insurance Health Protect Plus Plan

Up to 30 days.

Post-Hospitalisation

Super Star

Up to 180 Days

VS

Complete Health Insurance Health Protect Plus Plan

Up to 60 days.

Outpatient Department Cover (OPD Expense)

Super Star

Not a standard base OPD benefit

VS

Complete Health Insurance Health Protect Plus Plan

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

Deductible Option

Super Star

Optional aggregate deductible available

VS

Complete Health Insurance Health Protect Plus Plan

Not verified in the available plan-specific information.

Coverage Options

Super Star

₹5 Lakh to ₹1 Crore and Unlimited Sum Insured under the applicable option

VS

Complete Health Insurance Health Protect Plus Plan

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

Claim Settlement Ratio

Super Star

Not specified

VS

Complete Health Insurance Health Protect Plus Plan

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

Maternity Cover

Super Star

Available through optional covers


VS

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.

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?

End-to-End Support

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From choosing the right policy to managing claims, every step is handled for you

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Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

24/7 Claim Assistance

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

  • 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

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

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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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