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Insurance Plans Comparison

ICICI Lombard Health AdvantEdge 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...

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ICICI Lombard

Health AdvantEdge

Stay in any room category and restore 100% of the base sum insured even after only part of it is used, including for the same illness, along with a 20% cumulative bonus up to 100%.

What Makes It Special:

ICICI Lombard Health AdvantEdge is a comprehensive health insurance policy available through individual and family floater configurations. It covers eligible hospitalisation, daycare procedures, domiciliary hospitalisation, pre- and post-hospitalisation expenses, ambulance services and AYUSH treatment. The plan also provides wellness and preventive health check-up benefits, with optional features such as maternity...

Best For:

  • Buyers who want to evaluate optional maternity, teleconsultation or non-medical expense protection.

  • Customers interested in preventive health check-ups and wellness services.

  • Buyers who value restoration and loyalty benefits, subject to policy conditions.

  • Families who want to share a sum insured through a family floater policy.

  • Individuals looking for comprehensive health insurance with multiple sum insured options.

VS
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.

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 your preferred hospitals are in the current cashless network and verify the exact terms shown in your policy schedule.

  • Compare the additional premium and limits for optional maternity, Claim Protector and other add-on benefits before selecting them.

  • Check waiting periods for pre-existing diseases and listed conditions before relying on the policy for planned treatment.

  • Review the room-rent option carefully because selecting a room above the applicable entitlement may affect the claim settlement.

  • Select the Prime, Royal or Apex tier based on your required sum insured and the options currently offered.

  • 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

Health AdvantEdge
Health AdvantEdge

Health Insurance Plan

VS
Complete Health Insurance Health Shield Plus Plan
Complete Health Insurance Health Shield Plus Plan

Health Insurance Plan

Brochure

Room Rent

Health AdvantEdge

Normal: Any category room; Up to Sum Insured

ICU: Up to Sum Insured

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.

Advanced Treatments

Health AdvantEdge

Home care treatment, teleconsultations, domestic air ambulance, bariatric surgery, worldwide cover

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.

ICU Charges

Health AdvantEdge

Eligible ICU expenses are covered within the applicable sum insured and policy limits.

VS

Complete Health Insurance Health Shield Plus Plan

Covered as per eligible hospitalisation expenses and policy limits.

Co-payment

Health AdvantEdge

0% co-payment

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

Health AdvantEdge



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

Health AdvantEdge

Cashless treatment available at network hospitals

VS

Complete Health Insurance Health Shield Plus Plan

10,896+ hospitals across India.

Restoration Benefit

Health AdvantEdge

Restore Benefit can restore up to 100% of the sum insured once in a policy year under the cited policy version, subject to the applicable claim conditions.

VS

Complete Health Insurance Health Shield Plus Plan

Unlimited Reset Benefit for different illnesses and once for the same illness, subject to policy conditions.

Daycare Treatment

Health AdvantEdge

All daycare procedures covered

VS

Complete Health Insurance Health Shield Plus Plan

Covered under the policy. 

Cumulative Bonus

Health AdvantEdge

Guaranteed Cumulative Bonus of 20% of the sum insured for an eligible claim-free year under the cited policy version; accrued bonus is not reduced by a claim, subject to policy terms.

VS

Complete Health Insurance Health Shield Plus Plan

Loyalty Bonus of 20% per year, up to 100% of the sum insured, subject to conditions.

AYUSH Treatment

Health AdvantEdge

Covered up to Sum Insured

VS

Complete Health Insurance Health Shield Plus Plan

.

Consumable Cover

Health AdvantEdge

Claim Protector is available as an optional cover for eligible non-medical expenses, subject to the selected option and policy terms.

VS

Complete Health Insurance Health Shield Plus Plan

Not included as a standard benefit; Claim Protector is listed as an optional cover.

Initial Waiting Period

Health AdvantEdge

30 days for illnesses, except eligible accident-related hospitalisation.

VS

Complete Health Insurance Health Shield Plus Plan

30 days for illnesses; accident-related claims are treated as per policy terms.

Specific Waiting Period

Health AdvantEdge

Generally 24 months for listed diseases and procedures, subject to the applicable wording.

VS

Complete Health Insurance Health Shield Plus Plan

24 months for specified diseases and procedures.

PED Waiting Period

Health AdvantEdge

Generally 24 months for declared and accepted pre-existing diseases under the cited policy version; confirm the applicable plan and policy schedule.

VS

Complete Health Insurance Health Shield Plus Plan

24 months for declared and accepted pre-existing diseases, subject to policy conditions.

Modern Treatment

Health AdvantEdge

Listed modern treatments are covered subject to the applicable plan limits and policy wording.

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

Health AdvantEdge

Preventive health check-up coupons are available under the cited policy version for eligible insured adults; package and usage conditions apply.

VS

Complete Health Insurance Health Shield Plus Plan

Preventive health check-up coupons each policy year; limits vary by sum insured.

Pre-Hospitalisation

Health AdvantEdge

Covered for the period specified in the applicable policy wording; verify the exact duration for the current UIN.

VS

Complete Health Insurance Health Shield Plus Plan

60 days.

Post-Hospitalisation

Health AdvantEdge

Covered for the period specified in the applicable policy wording; confirm the exact limit for the current UIN.

VS

Complete Health Insurance Health Shield Plus Plan

180 days.

Outpatient Department Cover (OPD Expense)

Health AdvantEdge

Not a blanket standard OPD reimbursement benefit. Optional BeFit/OPD-related cover may be available with eligible configurations.

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

Health AdvantEdge

A voluntary deductible may be available under selected configurations; confirm the amount and terms in the policy schedule.

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

Health AdvantEdge

Prime, Royal and Apex plan tiers, with individual and family floater options and optional benefits.

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

Health AdvantEdge

FY 24-25: ~84%

VS

Complete Health Insurance Health Shield Plus Plan

FY 24-25: 83.65%

Maternity Cover

Health AdvantEdge

Optional maternity benefit may cover eligible maternity expenses up to 10% of annual sum insured, capped at ₹1 lakh; newborn expenses may be covered over and above this limit, subject to policy terms.

VS

Complete Health Insurance Health Shield Plus Plan

Not available under Health Shield Plus as per the reviewed product comparison.

Insurance Plans Comparison

Still Confused? Get Expert Advice

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Why Choose Our Expert Consultation?

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Free Expert Consultation

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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

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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Health Advantedge Vs Complete Health Insurance Health Shield Plus Plan

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