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Insurance Plans Comparison

ICICI Lombard Health Shield 360 vs ICICI Lombard Health Elite Plus

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

Reset up to 100% of the sum insured unlimited times for a later unrelated illness, cover 90 days before hospitalisation and 180 days after, and add a 10% claim-free cumulative bonus up to 100%.

What Makes It Special:

Health Shield 360 by ICICI Lombard is a group health insurance product offering hospitalisation, daycare procedures, inpatient AYUSH treatment and pre- and post-hospitalisation expenses. Its key features include an unlimited reset benefit, a cumulative bonus of up to 100% of the sum insured and optional covers such as OPD, maternity,...

Best For:

  • Customers who value the flexibility to select additional protection, subject to group policy availability.

  • People seeking optional benefits such as OPD consultations, diagnostics or maternity cover.

  • Customers who want to build additional cover through claim-free-year bonuses.

  • Individuals or families looking for hospitalisation and daycare treatment cover.

  • Customers seeking health insurance with an unlimited reset benefit for eligible future claims.

VS
ICICI Lombard

Health Elite Plus

Get a single private room and reset up to 100% of the sum insured once for the same illness and unlimited times for a different illness, with a 20% loyalty bonus up to 100% that stays after a claim.

What Makes It Special:

ICICI Lombard Health Elite Plus offers an unlimited reset benefit that can replenish up to 100% of the base sum insured when the available cover becomes insufficient after previous claims. It can be used unlimited times for different illnesses and once for the same illness, subject to policy conditions. The plan...

Best For:

  • Buyers who want the option to add specific benefits, such as worldwide hospitalisation cover or outpatient services, subject to eligibility and additional premium.

  • Customers seeking benefits such as donor expenses, domiciliary hospitalisation and air ambulance cover.

  • People who value a guaranteed cumulative bonus that can increase their available cover over time.

  • Buyers who want a reset benefit for eligible subsequent hospitalisation claims.

  • Individuals or families looking for a health insurance plan with multiple sum insured options.

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

  • Understand the reset benefit's restrictions, including its non-availability for the first claim and its annual reset limit.

  • Evaluate optional benefits, including Claim Protector, OPD, maternity and worldwide cover, against their additional premiums and limits.

  • Check the room-category entitlement, as choosing a higher category may lead to proportionate deductions.

  • Review the two-year PED and specified-treatment waiting periods before choosing the plan.

  • Compare the available sum insured with likely hospitalisation costs and your existing health insurance.

  • If you need worldwide cover or other add-ons, confirm their availability, waiting periods, limits and additional premium before purchasing.

  • If you opt for voluntary co-payment or treatment outside your selected pricing zone, account for the applicable out-of-pocket share.

  • If you expect to use outpatient services, confirm whether the optional BeFit cover is selected and what its specific limits include.

  • If you have a pre-existing condition, check the 24-month waiting period and disclose your medical history accurately.

  • Choose a sum insured that fits your expected medical costs and check how room eligibility changes at the ₹20 lakh threshold.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Shield 360
Health Shield 360

Health Insurance Plan

VS
Health Elite Plus
Health Elite Plus

Health Insurance Plan

Room Rent

Health Shield 360

Normal: No Capping (Covered up to Sum Insured)

ICU: No Capping (Covered up to Sum Insured)

VS

Health Elite Plus

  1. Normal: Covered Up to Sum Insured
  2. ICU: Covered up to sum insured
Advanced Treatments

Health Shield 360

Day Care Procedures

Organ Donor Expenses

Home Healthcare (Optional)

Air Ambulance (Optional)

Worldwide Coverage (Optional)

VS

Health Elite Plus

  1. Oral chemotherapy
  2. Robotic surgeries
  3. Stem cell therapy
ICU Charges

Health Shield 360

ICU expenses are covered under eligible hospitalisation claims, subject to the applicable sum insured and any room or ICU restrictions in the policy schedule.

VS

Health Elite Plus

Not verified for the exact current variant configuration.

Co-payment

Health Shield 360

None (100% claims paid by insurer)

VS

Health Elite Plus

Insured can choose 10% or 20% co-payment, allowing cost-sharing for lower premium expenses.

Disease-wise sublimits

Health Shield 360

Disease- or procedure-specific sublimits may apply if the relevant optional sublimit benefit is selected under the policy. The applicable limits are determined by the policy schedule.

VS

Health Elite Plus

Cataract treatment is limited to 10% of the sum insured, up to ₹1 lakh per eye, after the applicable two-year period. Other applicable limits and exclusions must be checked in the policy wording.

Cashless Healthcare Providers

Health Shield 360

6500+ network hospitals

VS

Health Elite Plus

10,000+ Cashless Healthcare Providers

Restoration Benefit

Health Shield 360

The Unlimited Reset Benefit can reset up to 100% of the annual sum insured an unlimited number of times in a policy year when the available cover is insufficient after previous claims. The reset does not apply to the first claim, is limited to the annual sum insured, and is subject to reuse conditions and policy terms.

VS

Health Elite Plus

Reset of up to 100% of the base sum insured, unlimited times for different illnesses and once for the same illness. It does not trigger on the first claim and is subject to the policy conditions.

Daycare Treatment

Health Shield 360

Covered

VS

Health Elite Plus

Covers procedures requiring less than 24-hour hospitalization, like cataract surgery and chemotherapy.

Cumulative Bonus

Health Shield 360

An additional sum insured of 10% accrues for each claim-free policy year, up to 100% of the sum insured. A claim can reduce the accrued bonus by 10% of the annual sum insured.

VS

Health Elite Plus

Loyalty bonus is described in the available policy information; current applicable rate and maximum require verification.

AYUSH Treatment

Health Shield 360

Covered

VS

Health Elite Plus

Coverage for Ayurveda, Yoga, Unani, Siddha, and Homeopathy at government-recognized institutions.

Consumable Cover

Health Shield 360

Non-payable items are not automatically covered under the standard plan. The optional Claim Protector benefit can cover eligible listed items, subject to its terms.

VS

Health Elite Plus

Not verified as a standard benefit for the exact current variant.

Initial Waiting Period

Health Shield 360

30 days for illnesses. Hospitalisation due to an accident is exempt from this initial waiting period.

VS

Health Elite Plus

30 days for illnesses from the start of the policy; accidents are excluded from this waiting-period restriction.

Specific Waiting Period

Health Shield 360

Two years for specified illnesses and treatments. A separate 90-day restriction applies to expenses related to hypertension, diabetes and cardiac conditions, subject to the policy's PED provisions.

VS

Health Elite Plus

24 months for specified diseases and procedures listed in the policy.

PED Waiting Period

Health Shield 360

Two years for declared and accepted pre-existing diseases, subject to the applicable policy terms.

VS

Health Elite Plus

24 months for declared and accepted pre-existing diseases, subject to policy terms and applicable portability rules.

Modern Treatment

Health Shield 360

Eligible modern medical treatments are covered when they meet the policy's definitions, conditions and exclusions.

VS

Health Elite Plus

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

Annual Health Checkup

Health Shield 360

Available as an optional benefit, subject to the selected cover, eligibility, limits and applicable conditions.

VS

Health Elite Plus

Preventive health check-up available at designated centres, subject to policy conditions.

Pre-Hospitalisation

Health Shield 360

Eligible medical expenses are covered for up to 90 days before hospitalisation.

VS

Health Elite Plus

60 days


Post-Hospitalisation

Health Shield 360

Eligible medical expenses are covered for up to 180 days after hospitalisation.

VS

Health Elite Plus

180 days.

Outpatient Department Cover (OPD Expense)

Health Shield 360

Optional reimbursement cover for eligible consultations, pharmacy expenses and diagnostics. Limits are ₹2,000 for ₹5 lakh sum insured, ₹4,000 for ₹10 lakh and ₹7,500 for ₹25 lakh or ₹50 lakh.

VS

Health Elite Plus

Not included as a general unlimited standard benefit. Optional BeFit provides specified outpatient consultations and related benefits on a cashless basis, according to the selected plan.

Deductible Option

Health Shield 360

A voluntary deductible may be selected where available. It applies to aggregate hospitalisation expenses during the policy year before the insurer becomes liable.

VS

Health Elite Plus

No deductible option.

Coverage Options

Health Shield 360

Individual and family floater options are available, subject to the applicable group policy's eligibility and enrolment conditions.

VS

Health Elite Plus

Individual and family floater options, with sum insured options from ₹5 lakh to ₹3 crore.

Claim Settlement Ratio

Health Shield 360

FY 24-25: ~84%

VS

Health Elite Plus

Information Unavailable

Maternity Cover

Health Shield 360

Available as an optional benefit for eligible delivery expenses, including caesarean delivery and lawful medical termination of pregnancy. Cover is limited to two deliveries or terminations during the period of insurance, subject to the applicable terms.

VS

Health Elite Plus

Childbirth-related medical expenses are excluded, except ectopic pregnancy, as stated in the exclusions.

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?

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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)

Having questions? We've got answers. Explore our FAQs to find the information you need.

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