Insurance Plans Comparison
ICICI Lombard Health Shield 360 Retail vs Star Super Surplus Gold
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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Health Shield 360 Retail
Health Shield 360 Retail
What Makes It Special:
Health Shield 360 Retail is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.
Best For:
- Not available
VS
Super Surplus Gold
Star Health Super Surplus Gold Plan
What Makes It Special:
Star Super Surplus is a floater top-up policy intended to provide additional health protection after eligible hospitalisation expenses cross the selected deductible or defined limit. The Gold Plan offers high Sum Insured choices, single private A/C room eligibility, maternity benefits, organ donor expenses, AYUSH treatment and a recharge benefit.
Best For:
Policyholders wanting additional protection beyond a base health plan
Customers seeking a Gold Plan maternity benefit
Families looking for a floater top-up plan
Customers wanting high Sum Insured with a defined limit
Families seeking additional top-up protection
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
Not available
The policy offers lifelong renewals.
Gold Plan provides a defined maternity benefit after the waiting period.
Recharge Benefit can provide additional indemnity after exhaustion or excess of Sum Insured.
The policy is available on a family floater basis.
Gold Plan Sum Insured options extend up to ₹1 Crore.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Health Shield 360 Retail Health Insurance Plan VS VS |
Super Surplus Gold Health Insurance Plan |
| Room Rent |
|---|
Health Shield 360 Retail Covered up to Annual Sum Insured as per plan opted Covered up to Annual Sum Insured |
VS VS |
Super Surplus Gold Single Private A/C Room |
| 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 VS |
Super Surplus Gold Information Unavailable |
| ICU Charges |
|---|
Health Shield 360 Retail Information Unavailable |
VS VS |
Super Surplus Gold Covered as part of hospitalisation |
| Co-payment |
|---|
Health Shield 360 Retail Not mentioned |
VS VS |
Super Surplus Gold Not specified as a standard co-payment |
| Disease-wise sublimits |
|---|
Health Shield 360 Retail Information Unavailable |
VS VS |
Super Surplus Gold Specific limits and defined limits apply |
| Waiting Period |
|---|
Health Shield 360 Retail Initial Waiting Period: 30 days |
VS VS |
Super Surplus Gold Information Unavailable |
| Cashless Healthcare Providers |
|---|
Health Shield 360 Retail Available through network hospitals and healthcare providers |
VS VS |
Super Surplus Gold Cashless treatment through network hospitals |
| Restoration Benefit |
|---|
Health Shield 360 Retail Information Unavailable |
VS VS |
Super Surplus Gold Recharge Benefit available once for the remaining policy period |
| Daycare Treatment |
|---|
Health Shield 360 Retail Covered up to Annual Sum Insured |
VS VS |
Super Surplus Gold All daycare procedures covered |
| Cumulative Bonus |
|---|
Health Shield 360 Retail Information Unavailable |
VS VS |
Super Surplus Gold Not specified |
| AYUSH Treatment |
|---|
Health Shield 360 Retail Covered up to Annual Sum Insured |
VS VS |
Super Surplus Gold Covered up to Sum Insured |
| Consumable Cover |
|---|
Health Shield 360 Retail Information Unavailable |
VS VS |
Super Surplus Gold Not specified |
| Initial Waiting Period |
|---|
Health Shield 360 Retail Information Unavailable |
VS VS |
Super Surplus Gold 30 Days, subject to policy terms |
| Specific Waiting Period |
|---|
Health Shield 360 Retail Information Unavailable |
VS VS |
Super Surplus Gold 12 Months for Gold Plan specified diseases and procedures |
| PED Waiting Period |
|---|
Health Shield 360 Retail Information Unavailable |
VS VS |
Super Surplus Gold 12 Months for Gold Plan PEDs |
| Modern Treatment |
|---|
Health Shield 360 Retail Information Unavailable |
VS VS |
Super Surplus Gold Covered subject to applicable limits |
| Annual Health Checkup |
|---|
Health Shield 360 Retail Information Unavailable |
VS VS |
Super Surplus Gold Not specified |
| Pre-Hospitalisation |
|---|
Health Shield 360 Retail Information Unavailable |
VS VS |
Super Surplus Gold Up to 60 Days |
| Post-Hospitalisation |
|---|
Health Shield 360 Retail Information Unavailable |
VS VS |
Super Surplus Gold Up to 90 Days |
| Outpatient Department Cover (OPD Expense) |
|---|
Health Shield 360 Retail Information Unavailable |
VS VS |
Super Surplus Gold Not a standard OPD benefit |
| Deductible Option |
|---|
Health Shield 360 Retail Information Unavailable |
VS VS |
Super Surplus Gold Defined Limit applies to aggregate eligible hospitalisation expenses |
| Coverage Options |
|---|
Health Shield 360 Retail Information Unavailable |
VS VS |
Super Surplus Gold ₹5 Lakh to ₹1 Crore for Gold Plan |
| Claim Settlement Ratio |
|---|
Health Shield 360 Retail Information Unavailable |
VS VS |
Super Surplus Gold Not specified |
| Maternity Cover |
|---|
Health Shield 360 Retail Information Unavailable |
VS VS |
Super Surplus Gold Delivery expenses up to ₹50,000 per policy period, maximum two deliveries, subject to 12-month wait and conditions |
Insurance Plans Comparison
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Insurance Plans Comparison
Explore Insurance Category
Senior Citizen Health Plan
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
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
Senior Citizen Health Plan
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
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
Insurance Plans Comparison
Frequently Asked Questions (FAQs)
Having questions? We've got answers. Explore our FAQs to find the information you need.
Explore Our Most Popular Plans
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