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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...

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ICICI Lombard

Complete 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
Care

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

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

  • 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
Complete Health Insurance Health Shield Plus Plan

Health Insurance Plan

Brochure

VS
Enhance Super Top-up Two
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

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

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

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

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

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

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

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

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

Enhance Super Top-up Two

No standard cumulative bonus.

AYUSH Treatment

Complete Health Insurance Health Shield Plus Plan

.

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

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

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

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

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

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

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

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

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

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

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

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

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

Enhance Super Top-up Two

Maternity and childbirth-related hospitalisation expenses are excluded under the supplied brochure, except for the stated ectopic-pregnancy exception.

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Still Confused? Get Expert Advice

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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

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  • 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

Most Popular

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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