Insurance Plans Comparison
ICICI Lombard Complete Health Insurance Health Shield Plus Plan vs Care Enhance Super Top-up Two
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreComplete Health Insurance Health Shield Plus Plan
Comprehensive hospitalisation cover with restoration and loyalty benefits
What Makes It Special:
Health Shield Plus is a health insurance variant under ICICI Lombard Complete Health Insurance. It offers inpatient hospitalisation, daycare treatment, AYUSH hospitalisation, listed modern treatments and an Unlimited Reset Benefit. The plan also provides a Loyalty Bonus and extended pre- and post-hospitalisation coverage, subject to the applicable terms, waiting periods,...
Best For:
Buyers who prefer a policy with a Loyalty Bonus that can accumulate over eligible renewals.
People who want extended coverage for eligible medical expenses before and after hospitalisation.
Buyers who value restoration of cover after eligible claims during a policy year.
Families looking for a shared sum insured through a family floater policy.
Individuals seeking health insurance with multiple sum insured options.
VS
Enhance Super Top-up Two
High-value super top-up health cover with flexible deductibles for major hospitalisation expenses.
What Makes It Special:
Enhance 2 is a high-deductible health insurance option from Care Health Insurance Limited, designed to provide additional cover once eligible medical expenses cross the selected policy deductible. It offers sum insured choices from ₹30 lakh to ₹55 lakh and deductible options of ₹5 lakh, ₹10 lakh, ₹15 lakh and ₹20...
Best For:
Individuals looking for high sum insured options of ₹30 lakh to ₹55 lakh.
Buyers who can comfortably manage the selected deductible through savings or another insurance policy.
Families seeking a higher overall level of hospitalisation cover without buying an equivalent amount of base health insurance.
Buyers who understand the plan's waiting periods, room category, co-payment and exclusions before choosing it.
People who already have employer-provided or personal health insurance and want additional protection against large hospital bills.
Insurance Plans Comparison
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Quick Decision Guide
If you need maternity or routine OPD benefits, compare other variants because these are not listed as standard benefits under Health Shield Plus.
Confirm whether the optional co-payment is selected, as it can affect the amount payable by you during a claim.
Check the 24-month waiting periods for pre-existing diseases and specified conditions before purchasing.
Review the room category applicable to your selected sum insured to understand potential out-of-pocket expenses.
Choose the sum insured based on your likely hospitalisation costs, financial exposure and number of insured members.
Check the base policy: Confirm that your existing policy or available funds can meet the deductible and that the policies' terms work together for claims.
Compare room eligibility: The brochure describes a single private AC room with upgrading to the next level; check the exact room entitlement and any linked deductions in the issued wording.
Review waiting periods: Account for the 30-day initial waiting period, 24-month named-ailment waiting period and 36-month pre-existing disease waiting period specified in the supplied Customer Information Sheet.
Confirm the exact policy version: Benefits and exclusions can change. Verify the policy wording, Customer Information Sheet, deductible and sum insured combination offered at purchase.
Choose the deductible carefully: Ensure that you can fund the selected ₹5 lakh to ₹20 lakh deductible when a claim arises.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Complete Health Insurance Health Shield Plus Plan Health Insurance Plan VS VS |
Enhance Super Top-up Two Health Insurance Plan |
| Room Rent |
|---|
Complete Health Insurance Health Shield Plus Plan Normal: the plan offers coverage for single private rooms for hospitalization, while ICU expenses are covered up to the sum insured without sub-limits. |
VS VS |
Enhance Super Top-up Two Single private AC room, with upgrading to the next room category permitted . |
| Advanced Treatments |
|---|
Complete Health Insurance Health Shield Plus Plan ICICI Health Shield Plus covers advanced medical treatments, ensuring access to modern healthcare. It includes robotic surgeries, stem cell therapy (for approved conditions), targeted cancer therapies, and other cutting-edge procedures. |
VS VS |
Enhance Super Top-up Two Information Unavailable |
| ICU Charges |
|---|
Complete Health Insurance Health Shield Plus Plan Covered as per eligible hospitalisation expenses and policy limits. |
VS VS |
Enhance Super Top-up Two ICU charges are covered without a separate monetary limit stated in the brochure, subject to the policy's sum insured, deductible and terms. |
| Disease-wise sublimits |
|---|
Complete Health Insurance Health Shield Plus Plan Cataract treatment is limited to 10% of the sum insured, up to ₹1 lakh per eye. Other applicable limits and exclusions are governed by the policy wording. |
VS VS |
Enhance Super Top-up Two No separate disease-wise sub-limit |
| Co-payment |
|---|
Complete Health Insurance Health Shield Plus Plan Health Shield Plus may include a copayment clause, requiring policyholders to pay a fixed percentage of the claim amount, especially for senior citizens or specific treatments. The exact copayment percentage varies based on policy terms. |
VS VS |
Enhance Super Top-up Two A 20% co-payment applies to each admissible claim for first-time entrants aged 61 years or above and their subsequent renewals, as described in the Customer Information Sheet. |
| Restoration Benefit |
|---|
Complete Health Insurance Health Shield Plus Plan Unlimited Reset Benefit for different illnesses and once for the same illness, subject to policy conditions. |
VS VS |
Enhance Super Top-up Two No standard restoration benefit. |
| Cashless Healthcare Providers |
|---|
Complete Health Insurance Health Shield Plus Plan 10,896+ hospitals across India. |
VS VS |
Enhance Super Top-up Two Cashless treatment is available at the insurer's network hospitals, subject to hospital participation and pre-authorisation. Use the current Care Health Insurance hospital locator for the live network count. |
| Daycare Treatment |
|---|
Complete Health Insurance Health Shield Plus Plan Covered under the policy. |
VS VS |
Enhance Super Top-up Two Specified daycare treatments requiring less than 24 hours of hospitalisation are covered, subject to the policy wording. |
| Cumulative Bonus |
|---|
Complete Health Insurance Health Shield Plus Plan Loyalty Bonus of 20% per year, up to 100% of the sum insured, subject to conditions. |
VS VS |
Enhance Super Top-up Two No standard cumulative bonus. |
| AYUSH Treatment |
|---|
Complete Health Insurance Health Shield Plus Plan . |
VS VS |
Enhance Super Top-up Two Covered benefit up to the sum insured, subject to applicable policy terms and exclusions. |
| Consumable Cover |
|---|
Complete Health Insurance Health Shield Plus Plan Not included as a standard benefit; Claim Protector is listed as an optional cover. |
VS VS |
Enhance Super Top-up Two No separate standard consumables benefit. |
| Initial Waiting Period |
|---|
Complete Health Insurance Health Shield Plus Plan 30 days for illnesses; accident-related claims are treated as per policy terms. |
VS VS |
Enhance Super Top-up Two 30 days for illnesses, except accidents; the waiting period does not apply to continuous renewals as described in the Customer Information Sheet. |
| Specific Waiting Period |
|---|
Complete Health Insurance Health Shield Plus Plan 24 months for specified diseases and procedures. |
VS VS |
Enhance Super Top-up Two 24 months of continuous coverage for listed named ailments and procedures, subject to the policy wording. |
| PED Waiting Period |
|---|
Complete Health Insurance Health Shield Plus Plan 24 months for declared and accepted pre-existing diseases, subject to policy conditions. |
VS VS |
Enhance Super Top-up Two 36 months for pre-existing diseases. |
| Modern Treatment |
|---|
Complete Health Insurance Health Shield Plus Plan Covered up to the annual sum insured for listed technological advancements and treatments, subject to policy terms. |
VS VS |
Enhance Super Top-up Two Covers eligible inpatient and specified daycare treatment under the policy. Advanced technology methods are subject to the treatments expressly covered in the applicable policy wording. |
| Annual Health Checkup |
|---|
Complete Health Insurance Health Shield Plus Plan Preventive health check-up coupons each policy year; limits vary by sum insured. |
VS VS |
Enhance Super Top-up Two Available for covered adult members, irrespective of claim history, subject to policy terms. |
| Pre-Hospitalisation |
|---|
Complete Health Insurance Health Shield Plus Plan 60 days. |
VS VS |
Enhance Super Top-up Two Eligible medical expenses for up to 30 days before hospitalisation. |
| Post-Hospitalisation |
|---|
Complete Health Insurance Health Shield Plus Plan 180 days. |
VS VS |
Enhance Super Top-up Two Eligible medical expenses for up to 60 days after hospital discharge. |
| Outpatient Department Cover (OPD Expense) |
|---|
Complete Health Insurance Health Shield Plus Plan Not included as a standard benefit; the listed OPD treatment cover is not available under this variant. |
VS VS |
Enhance Super Top-up Two Routine outpatient treatment is excluded under the supplied policy wording. Do not list standard OPD treatment as an included benefit. |
| Deductible Option |
|---|
Complete Health Insurance Health Shield Plus Plan Not included as a standard benefit; the listed OPD treatment cover is not available under this variant. |
VS VS |
Enhance Super Top-up Two ₹5 lakh, ₹10 lakh, ₹15 lakh or ₹20 lakh per policy year, subject to available combinations. Eligible expenses are payable under the policy only after the applicable deductible is met. |
| Coverage Options |
|---|
Complete Health Insurance Health Shield Plus Plan Individual and family floater options, with sum insured choices from ₹5 lakh to ₹1 crore. |
VS VS |
Enhance Super Top-up Two Sum insured options of ₹30 lakh, ₹35 lakh, ₹40 lakh, ₹45 lakh, ₹50 lakh and ₹55 lakh, subject to available deductible combinations. |
| Claim Settlement Ratio |
|---|
Complete Health Insurance Health Shield Plus Plan FY 24-25: 83.65% |
VS VS |
Enhance Super Top-up Two 96.99% |
| Maternity Cover |
|---|
Complete Health Insurance Health Shield Plus Plan Not available under Health Shield Plus as per the reviewed product comparison. |
VS VS |
Enhance Super Top-up Two Maternity and childbirth-related hospitalisation expenses are excluded under the supplied brochure, except for the stated ectopic-pregnancy exception. |
Insurance Plans Comparison
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