Insurance Plans Comparison
Care Senior Health Advantage vs ICICI Lombard Complete Health Insurance Health Shield Plus Plan
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreSenior Health Advantage
Affordable senior citizen health insurance with hospitalisation cover, annual health check-ups, AYUSH treatment and a no-claim bonus, subject to policy terms.
What Makes It Special:
Senior Health Advantage is a health insurance plan designed for people aged 60 and above. It provides eligible hospitalisation and daycare cover, pre- and post-hospitalisation benefits, AYUSH treatment, domiciliary hospitalisation and organ donor cover. Waiting periods, co-payment provisions and disease-specific sub-limits apply.
Best For:
Families looking to insure eligible senior members under individual or family floater cover.
People who want cover for eligible AYUSH and domiciliary hospitalisation.
Seniors seeking annual health check-ups and general physician e-consultations.
Individuals who want hospitalisation and eligible daycare treatment cover.
Senior citizens aged 60 and above looking for health insurance.
VS
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.
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
Confirm whether any optional benefits you need are available and included in the policy schedule.
Review room eligibility, ICU limits and disease-specific sub-limits.
Check the 30-day initial waiting period, 24-month named-ailment waiting period and current PED waiting period.
Review the age-based co-payment, including the additional co-payment after age 70.
Compare the available sum insured options with likely medical expenses and your budget.
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.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Senior Health Advantage Health Insurance Plan VS VS |
![]() Complete Health Insurance Health Shield Plus Plan Health Insurance Plan |
| Room Rent |
|---|
Senior Health Advantage The uploaded brochure specifies a twin-sharing room. Check the current policy schedule for the applicable room category and any optional modification. |
VS VS |
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. |
| ICU Charges |
|---|
Senior Health Advantage The uploaded brochure specifies ICU charges up to 2% of the sum insured per day. Confirm the applicable limit in the current policy schedule. |
VS VS |
Complete Health Insurance Health Shield Plus Plan Covered as per eligible hospitalisation expenses and policy limits. |
| Advanced Treatments |
|---|
Senior Health Advantage Information Unavailable |
VS VS |
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. |
| Co-payment |
|---|
Senior Health Advantage The current official page specifies 50% co-payment on claims up to age 70 and an additional 10% co-payment on claims after age 70. Confirm the exact age-based application in the current policy wording. |
VS VS |
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. |
| Disease-wise sublimits |
|---|
Senior Health Advantage The uploaded brochure lists limits for cataract, total knee replacement, cerebrovascular and cardiovascular diseases, cancer including chemotherapy/radiotherapy, medical renal diseases including dialysis, and long-bone fractures. See the disease-limit table below. |
VS VS |
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. |
| Cashless Healthcare Providers |
|---|
Senior Health Advantage Cashless treatment is available at eligible network hospitals, subject to network status, pre-authorisation and policy terms. The insurer currently advertises a network of 22,100+ cashless healthcare providers; verify the latest figure before publishing. |
VS VS |
Complete Health Insurance Health Shield Plus Plan 10,896+ hospitals across India. |
| Restoration Benefit |
|---|
Senior Health Advantage The uploaded March 2024 brochure does not establish unlimited automatic recharge as a base benefit. The current product page describes a one-time 100% sum insured recharge per policy year. Do not label it unlimited without confirmation in the current wording. |
VS VS |
Complete Health Insurance Health Shield Plus Plan Unlimited Reset Benefit for different illnesses and once for the same illness, subject to policy conditions. |
| Cumulative Bonus |
|---|
Senior Health Advantage No Claim Bonus increases the sum insured by 10% for each claim-free year, up to a maximum of 50% of the sum insured, subject to policy terms. |
VS VS |
Complete Health Insurance Health Shield Plus Plan Loyalty Bonus of 20% per year, up to 100% of the sum insured, subject to conditions. |
| Daycare Treatment |
|---|
Senior Health Advantage Eligible daycare procedures are covered, subject to policy terms and the applicable list of procedures. |
VS VS |
Complete Health Insurance Health Shield Plus Plan Covered under the policy. |
| Consumable Cover |
|---|
Senior Health Advantage A separate comprehensive consumables cover is not established as a standard benefit in the reviewed brochure or current product summary. |
VS VS |
Complete Health Insurance Health Shield Plus Plan Not included as a standard benefit; Claim Protector is listed as an optional cover. |
| AYUSH Treatment |
|---|
Senior Health Advantage Eligible AYUSH treatment is covered up to the sum insured, subject to the policy terms. |
VS VS |
Complete Health Insurance Health Shield Plus Plan . |
| Initial Waiting Period |
|---|
Senior Health Advantage 30 days for illnesses, except accidental injuries, subject to policy terms. |
VS VS |
Complete Health Insurance Health Shield Plus Plan 30 days for illnesses; accident-related claims are treated as per policy terms. |
| Specific Waiting Period |
|---|
Senior Health Advantage 24 months of continuous coverage for named ailments and procedures, subject to the policy wording. |
VS VS |
Complete Health Insurance Health Shield Plus Plan 24 months for specified diseases and procedures. |
| PED Waiting Period |
|---|
Senior Health Advantage The current official product page specifies 24 months of continuous coverage for pre-existing diseases. The uploaded March 2024 brochure specifies 24 months as well. |
VS VS |
Complete Health Insurance Health Shield Plus Plan 24 months for declared and accepted pre-existing diseases, subject to policy conditions. |
| Modern Treatment |
|---|
Senior Health Advantage Advanced technology treatments are covered subject to the applicable treatment-specific sub-limits and policy terms. |
VS VS |
Complete Health Insurance Health Shield Plus Plan Covered up to the annual sum insured for listed technological advancements and treatments, subject to policy terms. |
| Annual Health Checkup |
|---|
Senior Health Advantage Available from Day 1 for all insured members according to the uploaded brochure. The brochure lists complete blood count with ESR, urine routine, blood group, fasting blood sugar, lipid profile, kidney function test and ECG. The current policy schedule governs the applicable benefit. |
VS VS |
Complete Health Insurance Health Shield Plus Plan Preventive health check-up coupons each policy year; limits vary by sum insured. |
| Pre-Hospitalisation |
|---|
Senior Health Advantage The uploaded brochure specifies eligible pre-hospitalisation medical expenses for 30 days before admission. |
VS VS |
Complete Health Insurance Health Shield Plus Plan 60 days. |
| Post-Hospitalisation |
|---|
Senior Health Advantage The uploaded brochure specifies eligible post-hospitalisation medical expenses for 60 days after discharge. Confirm the applicable limits in the current policy schedule. |
VS VS |
Complete Health Insurance Health Shield Plus Plan 180 days. |
| Outpatient Department Cover (OPD Expense) |
|---|
Senior Health Advantage Regular OPD treatment is not established as an unconditional base benefit in the reviewed brochure. The insurer’s broader senior-health offering lists optional OPD benefits; check the selected policy schedule for availability. |
VS VS |
Complete Health Insurance Health Shield Plus Plan Not included as a standard benefit; the listed OPD treatment cover is not available under this variant. |
| Deductible Option |
|---|
Senior Health Advantage A deductible option is not identified in the uploaded brochure’s base-benefit table. Confirm whether it is available under the current selected policy configuration. |
VS VS |
Complete Health Insurance Health Shield Plus Plan Not included as a standard benefit; the listed OPD treatment cover is not available under this variant. |
| Coverage Options |
|---|
Senior Health Advantage Individual cover for up to 6 members aged 60 or above, or a family floater for 2 adults, subject to the policy’s eligibility rules. |
VS VS |
Complete Health Insurance Health Shield Plus Plan Individual and family floater options, with sum insured choices from ₹5 lakh to ₹1 crore. |
| Claim Settlement Ratio |
|---|
Senior Health Advantage Use Care Health Insurance’s verified insurer-level claim settlement ratio for the relevant financial year. This is not a product-specific ratio or a guarantee of claim approval. |
VS VS |
Complete Health Insurance Health Shield Plus Plan FY 24-25: 83.65% |
| Maternity Cover |
|---|
Senior Health Advantage Maternity and childbirth cover is not listed as a standard benefit in the reviewed brochure. |
VS VS |
Complete Health Insurance Health Shield Plus Plan Not available under Health Shield Plus as per the reviewed product comparison. |
Insurance Plans Comparison
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