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Insurance Plans Comparison

ICICI Lombard Health Shield 360 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

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

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

  • 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.

  • 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
Health Shield 360

Health Insurance Plan

VS
Complete Health Insurance Health Shield
Complete Health Insurance Health Shield

Health Insurance Plan

Brochure

Room Rent

Health Shield 360

Normal: No Capping (Covered up to Sum Insured)

ICU: No Capping (Covered up to 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

Day Care Procedures

Organ Donor Expenses

Home Healthcare (Optional)

Air Ambulance (Optional)

Worldwide Coverage (Optional)

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

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

Complete Health Insurance Health Shield

Covered under eligible inpatient hospitalisation, subject to policy terms.

Co-payment

Health Shield 360

None (100% claims paid by insurer)

VS

Complete Health Insurance Health Shield

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

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

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

6500+ network hospitals

VS

Complete Health Insurance Health Shield

10,896+ hospitals across India.

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

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

Covered

VS

Complete Health Insurance Health Shield

Covered under the policy. 

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

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

Covered

VS

Complete Health Insurance Health Shield

Covered under this policy

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

Complete Health Insurance Health Shield



Initial Waiting Period

Health Shield 360

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

VS

Complete Health Insurance Health Shield

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

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

Complete Health Insurance Health Shield

24 months for specified illnesses and treatments.

PED Waiting Period

Health Shield 360

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

VS

Complete Health Insurance Health Shield

24 months for declared and accepted pre-existing diseases.

Modern Treatment

Health Shield 360

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

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

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

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

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

VS

Complete Health Insurance Health Shield

Up to 30 days.

Post-Hospitalisation

Health Shield 360

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

VS

Complete Health Insurance Health Shield

Up to 60 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

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

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

VS

Complete Health Insurance Health Shield

Not verified in the reviewed Health Shield document.

Coverage Options

Health Shield 360

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

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

FY 24-25: ~84%

VS

Complete Health Insurance Health Shield

FY 2024-25: 83.65%

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

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

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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

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  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

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Senior Citizen Health Plan

Senior Citizen Health Plan

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  • 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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