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Insurance Plans Comparison

ICICI Lombard Health Shield 360 Retail vs ICICI Lombard Complete Health Insurance Health Shield

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

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ICICI Lombard

Health Shield 360 Retail

Reset up to 100% of the sum insured once for the same illness and unlimited times for a different illness, and add a 20% cumulative bonus each claim-free year, up to 100% of the sum insured.

What Makes It Special:

Health Shield 360 Retail provides cover for eligible in-patient hospitalisation, day-care procedures, specified modern treatments, pre- and post-hospitalisation expenses, and in-patient AYUSH treatment. Its Reset Benefit can replenish cover within defined limits, while the Guaranteed Cumulative Bonus may increase the available cover after claim-free policy years. Wellness services and optional...

Best For:

  • Buyers interested in wellness services and optional benefits, provided the required cover is selected and recorded in the policy schedule.

  • People looking for a cumulative bonus that can increase available cover after claim-free years.

  • Buyers who value a reset benefit for eligible future hospitalisation claims.

  • Families considering a family-floater option, where eligible family members can be covered under one policy.

  • Individuals seeking health insurance for eligible hospitalisation and day-care treatment expenses.

VS
ICICI Lombard

Complete Health Insurance Health Shield

Add 10% to the sum insured after every claim-free year, up to 50%, and cover organ-donor expenses up to ₹10 lakh, with domiciliary hospitalisation and air ambulance paid over and above the sum insured.

What Makes It Special:

Health Shield is a variant listed under ICICI Lombard Complete Health Insurance. Its benefits include inpatient hospitalisation, eligible daycare procedures, inpatient AYUSH treatment, pre- and post-hospitalisation expenses, and a reset benefit that can replenish eligible cover after previous claims. The policy also lists a cumulative bonus and wellness services. Coverage...

Best For:

  • Customers who may use the policy's wellness services and preventive health-check-up facilities.

  • Buyers who want eligible daycare and inpatient AYUSH treatment covered.

  • Customers who value a cumulative bonus for claim-free years.

  • Individuals or families comparing different base sum insured options.

  • Buyers looking for hospitalisation cover with a reset benefit for subsequent eligible claims.

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

  • Compare optional benefits and their additional premiums against your needs, because an optional cover applies only when it has been selected and recorded in the policy documents.

  • Understand the Reset Benefit conditions, including the restriction on using it for the first claim and the rules for repeated claims relating to the same illness or injury.

  • Confirm the room eligibility, applicable co-payment, deductible and any disease or procedure sublimits in your Policy Schedule.

  • Review the waiting periods for pre-existing diseases and specified illnesses before relying on the policy for planned treatment.

  • Check the selected Sum Insured and whether an individual or family-floater policy suits the people you want to insure.

  • Verify that the Health Shield variant is still available and that the quoted UIN matches the policy document before purchase.

  • Compare the cataract sub-limit with your expected needs, especially if selecting a lower sum insured.

  • Check the 24-month PED and specified-disease waiting periods against your medical history.

  • Review the reset rules carefully, including the restrictions on using reset cover for the same illness.

  • Confirm the available sum insured and room-rent limit in the policy schedule before choosing the plan.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Shield 360 Retail
Health Shield 360 Retail

Health Insurance Plan

VS
Complete Health Insurance Health Shield
Complete Health Insurance Health Shield

Health Insurance Plan

Brochure

Room Rent

Health Shield 360 Retail

Covered up to Annual Sum Insured as per plan opted

Covered up to Annual Sum Insured

VS

Complete Health Insurance Health Shield

Normal: Health Shield offers room rent and ICU coverage without sub-limits, ensuring full financial support for hospitalization, including intensive care expenses.

Advanced Treatments

Health Shield 360 Retail

Uterine Artery Embolization (UAE) and HIFU

Immunotherapy (Monoclonal Antibody Injection)

Green Laser/Holmium Laser Treatment for Prostate

Stem Cell Therapy for Hematological Conditions

Balloon Sinuplasty

Oral Chemotherapy

Robotic Surgeries

Stereotactic Radio Surgery

Deep Brain Stimulation

Intra Vitreal Injections

Bronchial Thermoplasty

Intra Operative Neuro Monitoring (IONM)

VS

Complete Health Insurance Health Shield

Covers advanced treatments, including robotic surgeries, stem cell therapy, immunotherapy, and modern cancer treatments

ICU Charges

Health Shield 360 Retail

Eligible ICU expenses are covered under in-patient treatment, within the applicable Annual Sum Insured and policy conditions.

VS

Complete Health Insurance Health Shield

Covered under eligible inpatient hospitalisation, subject to policy terms.

Co-payment

Health Shield 360 Retail

Not mentioned

VS

Complete Health Insurance Health Shield

10% of copay will be applied to every admissible claim.

Disease-wise sublimits

Health Shield 360 Retail

Any applicable sublimits for specified illnesses, procedures or benefits are governed by the Policy Schedule and selected plan.

VS

Complete Health Insurance Health Shield

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

Health Shield 360 Retail

Available through network hospitals and healthcare providers

VS

Complete Health Insurance Health Shield

10,896+ hospitals across India.

Restoration Benefit

Health Shield 360 Retail

Information Unavailable

VS

Complete Health Insurance Health Shield

Unlimited Reset Benefit is listed; reset does not trigger on the first claim and remains subject to illness, insured-person and other policy conditions.

Daycare Treatment

Health Shield 360 Retail

Covered up to Annual Sum Insured

VS

Complete Health Insurance Health Shield

Covered under the policy. 

Cumulative Bonus

Health Shield 360 Retail

Guaranteed Cumulative Bonus can increase by 20% of the applicable Annual Sum Insured for each claim-free policy year, up to 100%.

VS

Complete Health Insurance Health Shield

10% of annual sum insured per claim-free year, up to 50%; accumulated bonus reduces by 10% of annual sum insured following a claim, as specified in the policy.

AYUSH Treatment

Health Shield 360 Retail

Covered up to Annual Sum Insured

VS

Complete Health Insurance Health Shield

Covered under this policy

Consumable Cover

Health Shield 360 Retail

Eligible consumables are covered as part of hospitalisation expenses, except items listed as excluded non-medical expenses.

VS

Complete Health Insurance Health Shield



Initial Waiting Period

Health Shield 360 Retail

A 30-day waiting period applies to illnesses, subject to the policy wording and applicable exceptions. Accidental injuries are treated according to the policy’s terms.

VS

Complete Health Insurance Health Shield

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

Specific Waiting Period

Health Shield 360 Retail

Listed diseases and procedures may be subject to specific waiting periods. The applicable period and exclusions should be checked against the policy schedule and wording.

VS

Complete Health Insurance Health Shield

24 months for specified illnesses and treatments.

PED Waiting Period

Health Shield 360 Retail

Pre-existing diseases are subject to the applicable waiting period and acceptance terms stated in the policy documents.

VS

Complete Health Insurance Health Shield

24 months for declared and accepted pre-existing diseases.

Modern Treatment

Health Shield 360 Retail

Covers specified modern treatments and procedures, including eligible robotic surgeries, oral chemotherapy and other listed treatments, subject to policy terms.

VS

Complete Health Insurance Health Shield

Not verified as a separately defined benefit in the reviewed Health Shield document.

Annual Health Checkup

Health Shield 360 Retail

Annual check-up benefits are available under the applicable cover and plan terms. Eligibility and limits depend on the selected option.

VS

Complete Health Insurance Health Shield

Health-check-up coupon each policy year, up to 2 coupons per year for floater policies.

Pre-Hospitalisation

Health Shield 360 Retail

Eligible medical expenses incurred before hospitalisation are covered for the period and within the limits specified in the Policy Schedule, subject to the related hospitalisation claim being admissible.

VS

Complete Health Insurance Health Shield

Up to 30 days.

Post-Hospitalisation

Health Shield 360 Retail

Eligible post-hospitalisation medical expenses are covered for the period and limits specified in the Policy Schedule, subject to acceptance of the related hospitalisation claim.

VS

Complete Health Insurance Health Shield

Up to 60 days.

Outpatient Department Cover (OPD Expense)

Health Shield 360 Retail

Out-patient consultations and other OPD services may be available under the applicable optional cover, subject to its limits and conditions.

VS

Complete Health Insurance Health Shield

Wellness points may be redeemable for eligible outpatient expenses; a fixed comprehensive OPD limit was not verified.

Deductible Option

Health Shield 360 Retail

A deductible, where applicable to the selected cover, is governed by the Policy Schedule and the terms of that cover.

VS

Complete Health Insurance Health Shield

Not verified in the reviewed Health Shield document.

Coverage Options

Health Shield 360 Retail

The policy may be issued on an individual or family-floater basis, as recorded in the Policy Schedule.

VS

Complete Health Insurance Health Shield

Individual or family floater; listed sum insured options from ₹3 lakh to ₹50 lakh.

Claim Settlement Ratio

Health Shield 360 Retail

FY 24-25: ~84%

VS

Complete Health Insurance Health Shield

FY 2024-25: 83.65%

Maternity Cover

Health Shield 360 Retail

Maternity-related expenses are covered only where the applicable cover is selected and recorded in the Policy Schedule, subject to its waiting period, limits and conditions.

VS

Complete Health Insurance Health Shield

Excluded under the reviewed policy wording, except for stated policy exceptions such as ectopic pregnancy.

Insurance Plans Comparison

Still Confused? Get Expert Advice

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Why Choose Our Expert Consultation?

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

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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

  • 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

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  • 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

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