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Insurance Plans Comparison

ICICI Lombard iHealth Plus 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

iHealth Plus

Include maternity after a 3-year wait, newborn cover up to ₹10,000 and an outpatient and wellness allowance, plus a 10% cumulative bonus each claim-free year up to 50% of the sum insured.

What Makes It Special:

iHealth Plus is a discontinued ICICI Lombard Complete Health Insurance variant. It provides hospitalisation cover, outpatient treatment, maternity cover after 3 years, and an annual free health check-up, with no co-payment and no room rent restriction.

Best For:

  • Buyers comparing it with ICICI Lombard’s current Complete Health Insurance plans

  • Policyholders reviewing an existing iHealth Plus cover before renewal

  • Families who want outpatient treatment and an annual health check-up

  • Buyers who want no room rent restriction and no co-payment

  • Families planning a pregnancy within three years, if the policy was bought earlier

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

ICICI Lombard iHealth Plus

  • Kindly consult the insurer for sublimits and the cumulative bonus before deciding.

  • Confirm the sum insured range, since sources differ on the upper limit.

  • The PED waiting period is 2 or 4 years depending on the sum insured, so check the one you chose.

  • Maternity cover needs a 3-year wait, so plan ahead if you intend to start a family.

  • Because the plan is discontinued, compare current ICICI Lombard plans before deciding.

ICICI Lombard Complete Health Insurance Health Shield Plus Plan

  • 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

iHealth Plus
iHealth Plus

Health Insurance Plan

Brochure

Policy Wording

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

Health Insurance Plan

Brochure

Room Rent

iHealth Plus

Normal Room: No capping — covered up to Sum Insured

ICU Charges: No capping — covered 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

iHealth Plus

Day Care Procedures

Organ Transplant Related Donor Expenses (Optional Cover)

Critical Illness Cover (Optional Cover)

AYUSH Hospitalisation

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

iHealth Plus

Information Unavailable

VS

Complete Health Insurance Health Shield Plus Plan

Covered as per eligible hospitalisation expenses and policy limits.

Co-payment

iHealth Plus

No Co-pay — 100% of admissible claims covered by the insurer

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

iHealth Plus

Information Unavailable

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

iHealth Plus

Cashless treatment available at 6500+ network hospitals

VS

Complete Health Insurance Health Shield Plus Plan

10,896+ hospitals across India.

Restoration Benefit

iHealth Plus

Information Unavailable

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

iHealth Plus

Covered

VS

Complete Health Insurance Health Shield Plus Plan

Covered under the policy. 

Cumulative Bonus

iHealth Plus

Information Unavailable

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

iHealth Plus

Covered

VS

Complete Health Insurance Health Shield Plus Plan

.

Consumable Cover

iHealth Plus

Information Unavailable

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

iHealth Plus

30 days

VS

Complete Health Insurance Health Shield Plus Plan

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

Specific Waiting Period

iHealth Plus

Information Unavailable

VS

Complete Health Insurance Health Shield Plus Plan

24 months for specified diseases and procedures.

PED Waiting Period

iHealth Plus

2 years or 4 years, depending on sum insured

VS

Complete Health Insurance Health Shield Plus Plan

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

Modern Treatment

iHealth Plus

Information Unavailable

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

iHealth Plus

Free annual health check-up

VS

Complete Health Insurance Health Shield Plus Plan

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

Pre-Hospitalisation

iHealth Plus

Information Unavailable

VS

Complete Health Insurance Health Shield Plus Plan

60 days.

Post-Hospitalisation

iHealth Plus

Information Unavailable

VS

Complete Health Insurance Health Shield Plus Plan

180 days.

Outpatient Department Cover (OPD Expense)

iHealth Plus

Outpatient treatment covered. Kindly consult for limits.

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

iHealth Plus

Information Unavailable

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

iHealth Plus

Individual and floater

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

iHealth Plus

FY 24-25: ~84%

VS

Complete Health Insurance Health Shield Plus Plan

FY 24-25: 83.65%

Maternity Cover

iHealth Plus

Covered after a 3-year waiting period

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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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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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)

Having questions? We've got answers. Explore our FAQs to find the information you need.

1-5 of 10 FAQs

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