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Complete Health Insurance Health Shield Plus Plan Vs Sarvah Pratham

Insurance Plans Comparison

ICICI Lombard Complete Health Insurance Health Shield Plus Plan vs ManipalCigna Sarvah Pratham

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare coverage, benefits, and premiums to find the perfect plan for your needs.

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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.

Sarvah Pratham

Comprehensive health insurance with high sum insured options and flexible add-on benefits

What Makes It Special:

Comprehensive Health Insurance

Best For:

1. Individuals who prefer flexible deductible and voluntary co-payment options.
Customers looking for optional benefits such as Restoration, Gullak and Sarathi.
People who want benefits such as AYUSH treatment and pre- and post-hospitalisation coverage.
Customers looking for coverage options ranging from ₹5 lakh to ₹3 crore.
Individuals and families looking for high sum insured options, broad hospitalisation coverage and optional benefits such as unlimited restoration and guaranteed cumulative bonus

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.

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Quick Decision Guide

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.

ManipalCigna Sarvah Pratham

Check the available benefits, limits and optional covers carefully before choosing the plan to make sure they match your healthcare needs.
Consider Sarvah Pratham if you prefer flexibility through deductible and voluntary co-payment options.
This plan may be suitable if you want the option to add benefits such as Restoration, Gullak and Sarathi.
Consider this plan if you want hospitalisation coverage along with AYUSH treatment and pre- and post-hospitalisation benefits.
Consider Sarvah Pratham if you want coverage from ₹5 lakh to ₹3 crore with single private AC room coverage, AYUSH treatment, pre- and post-hospitalisation coverage, and the option to add benefits such as Restoration, Gullak and Sarathi. The plan also offers flexible deductible and voluntary co-payment options.

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

Brochure

Sarvah Pratham

Health Insurance Plan

Brochure

Policy Wording

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.	Sarvah Pratham Single Private AC Room under the base policy. ICU expenses are covered up to the Sum Insured.

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.	Sarvah Pratham Information Unavailable

ICU Charges
Complete Health Insurance Health Shield Plus Plan Covered as per eligible hospitalisation expenses and policy limits.	Sarvah Pratham Covered up to the Sum Insured.

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.	Sarvah Pratham Hospitalisation for Heart, Cancer, Stroke and Major Organ/Bone Marrow Transplant is covered up to the applicable Sum Insured. Listed Modern and Advanced Treatments are subject to the specific limits stated in the Policy Schedule.

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.	Sarvah Pratham Optional Voluntary Co-payment of 10%, 20% or 30%. No zonal co-payment applies.

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.	Sarvah Pratham Optional: Unlimited restoration of the Base Sum Insured for related and unrelated illnesses/injuries during the policy year.

Cashless Healthcare Providers
Complete Health Insurance Health Shield Plus Plan 10,896+ hospitals across India.	Sarvah Pratham 15,000+ cashless hospitals/network providers are currently advertised by ManipalCigna. The exact network is subject to change and should be checked through the insurer's locator.

Daycare Treatment
Complete Health Insurance Health Shield Plus Plan Covered under the policy.	Sarvah Pratham Covered up to the Sum Insured for eligible Day Care Treatment related to the specified illnesses.

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.	Sarvah Pratham Gullak – Optional: 100% of Base Sum Insured is added every policy year, up to a maximum of 1500% of the Base Sum Insured, irrespective of claims.

AYUSH Treatment
Complete Health Insurance Health Shield Plus Plan .	Sarvah Pratham Covered up to the Sum Insured for eligible treatment related to the specified illnesses, subject to policy terms.

Consumable Cover
Complete Health Insurance Health Shield Plus Plan Not included as a standard benefit; Claim Protector is listed as an optional cover.	Sarvah Pratham Not included in the base cover. Optional: Coverage for Non-Medical Items and Durable Medical Equipment is available.

Initial Waiting Period
Complete Health Insurance Health Shield Plus Plan 30 days for illnesses; accident-related claims are treated as per policy terms.	Sarvah Pratham 30 days, applicable under the standard waiting-period structure; accident claims are exempt.

Specific Waiting Period
Complete Health Insurance Health Shield Plus Plan 24 months for specified diseases and procedures.	Sarvah Pratham 24 months for specified diseases/procedures, when the applicable Pratiksha optional cover is opted for.

PED Waiting Period
Complete Health Insurance Health Shield Plus Plan 24 months for declared and accepted pre-existing diseases, subject to policy conditions.	Sarvah Pratham 36 months under the base policy. Sarathi/Sarathi 2.0 can provide reduction for specified declared and accepted PED-related conditions, subject to its terms.

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.	Sarvah Pratham Covered for listed Modern and Advanced Treatments for the specified illnesses, subject to the applicable limits in the Policy Schedule.

Annual Health Checkup
Complete Health Insurance Health Shield Plus Plan Preventive health check-up coupons each policy year; limits vary by sum insured.	Sarvah Pratham Available as an optional cover.

Pre-Hospitalisation
Complete Health Insurance Health Shield Plus Plan 60 days.	Sarvah Pratham Covered for 90 days immediately before hospitalisation, subject to the policy terms.

Post-Hospitalisation
Complete Health Insurance Health Shield Plus Plan 180 days.	Sarvah Pratham Covered for 180 days after discharge, subject to the policy terms.

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.	Sarvah Pratham Not covered under the base plan.

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.	Sarvah Pratham Optional Aggregate Deductible: ₹10,000, ₹25,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹4 lakh, ₹5 lakh or ₹10 lakh. Daily Deductible options are also available: ₹1,000, ₹2,000, ₹3,000, ₹4,000 or ₹5,000 per day.

Coverage Options
Complete Health Insurance Health Shield Plus Plan Individual and family floater options, with sum insured choices from ₹5 lakh to ₹1 crore.	Sarvah Pratham Base Sum Insured options from ₹5 lakh to ₹3 crore.

Claim Settlement Ratio
Complete Health Insurance Health Shield Plus Plan FY 24-25: 83.65%	Sarvah Pratham 99.88% of claims settled within 3 months in FY 2024–25, based on the latest IRDAI-reported data. This is an insurer-level figure, not a Sarvah Pratham-specific ratio.

Maternity Cover
Complete Health Insurance Health Shield Plus Plan Not available under Health Shield Plus as per the reviewed product comparison.	Sarvah Pratham Not available under Sarvah Pratham.

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

Brochure

Sarvah Pratham

Health Insurance Plan

Brochure

Policy Wording

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
Sarvah Pratham Single Private AC Room under the base policy. ICU expenses are covered up to the Sum Insured.

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
Sarvah Pratham Information Unavailable

ICU Charges
Complete Health Insurance Health Shield Plus Plan Covered as per eligible hospitalisation expenses and policy limits.
VS VS
Sarvah Pratham Covered up to the Sum Insured.

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
Sarvah Pratham Hospitalisation for Heart, Cancer, Stroke and Major Organ/Bone Marrow Transplant is covered up to the applicable Sum Insured. Listed Modern and Advanced Treatments are subject to the specific limits stated in the Policy Schedule.

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
Sarvah Pratham Optional Voluntary Co-payment of 10%, 20% or 30%. No zonal co-payment applies.

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
Sarvah Pratham Optional: Unlimited restoration of the Base Sum Insured for related and unrelated illnesses/injuries during the policy year.

Cashless Healthcare Providers
Complete Health Insurance Health Shield Plus Plan 10,896+ hospitals across India.
VS VS
Sarvah Pratham 15,000+ cashless hospitals/network providers are currently advertised by ManipalCigna. The exact network is subject to change and should be checked through the insurer's locator.

Daycare Treatment
Complete Health Insurance Health Shield Plus Plan Covered under the policy.
VS VS
Sarvah Pratham Covered up to the Sum Insured for eligible Day Care Treatment related to the specified illnesses.

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
Sarvah Pratham Gullak – Optional: 100% of Base Sum Insured is added every policy year, up to a maximum of 1500% of the Base Sum Insured, irrespective of claims.

AYUSH Treatment
Complete Health Insurance Health Shield Plus Plan .
VS VS
Sarvah Pratham Covered up to the Sum Insured for eligible treatment related to the specified illnesses, subject to policy terms.

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
Sarvah Pratham Not included in the base cover. Optional: Coverage for Non-Medical Items and Durable Medical Equipment is available.

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
Sarvah Pratham 30 days, applicable under the standard waiting-period structure; accident claims are exempt.

Specific Waiting Period
Complete Health Insurance Health Shield Plus Plan 24 months for specified diseases and procedures.
VS VS
Sarvah Pratham 24 months for specified diseases/procedures, when the applicable Pratiksha optional cover is opted for.

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
Sarvah Pratham 36 months under the base policy. Sarathi/Sarathi 2.0 can provide reduction for specified declared and accepted PED-related conditions, subject to its terms.

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
Sarvah Pratham Covered for listed Modern and Advanced Treatments for the specified illnesses, subject to the applicable limits in the Policy Schedule.

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
Sarvah Pratham Available as an optional cover.

Pre-Hospitalisation
Complete Health Insurance Health Shield Plus Plan 60 days.
VS VS
Sarvah Pratham Covered for 90 days immediately before hospitalisation, subject to the policy terms.

Post-Hospitalisation
Complete Health Insurance Health Shield Plus Plan 180 days.
VS VS
Sarvah Pratham Covered for 180 days after discharge, subject to the policy terms.

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
Sarvah Pratham Not covered under the base plan.

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
Sarvah Pratham Optional Aggregate Deductible: ₹10,000, ₹25,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹4 lakh, ₹5 lakh or ₹10 lakh. Daily Deductible options are also available: ₹1,000, ₹2,000, ₹3,000, ₹4,000 or ₹5,000 per day.

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
Sarvah Pratham Base Sum Insured options from ₹5 lakh to ₹3 crore.

Claim Settlement Ratio
Complete Health Insurance Health Shield Plus Plan FY 24-25: 83.65%
VS VS
Sarvah Pratham 99.88% of claims settled within 3 months in FY 2024–25, based on the latest IRDAI-reported data. This is an insurer-level figure, not a Sarvah Pratham-specific ratio.

Maternity Cover
Complete Health Insurance Health Shield Plus Plan Not available under Health Shield Plus as per the reviewed product comparison.
VS VS
Sarvah Pratham Not available under Sarvah Pratham.

Insurance Plans Comparison

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Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

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Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

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From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

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Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

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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

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Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

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

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

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