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Co-payment means you share a part of the claim cost. Opting for co-pay lowers your premium but increases your out-of-pocket expenses.

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What are room rent limits in health insurance, and how do they affect claims?

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Complete Health Insurance Health Shield Plus Plan Vs Cardiac Care Platinum

Insurance Plans Comparison

ICICI Lombard Complete Health Insurance Health Shield Plus Plan vs Star Cardiac Care Platinum

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.

Cardiac Care Platinum

Health cover for heart patients with cardiac cover from day 31, plus non-cardiac, OPD and health check-up benefits.

What Makes It Special:

A specialised health plan for people who have already had heart treatment, including cardiac surgery or a procedure. It covers heart-related hospitalisation after 30 days, as well as non-cardiac illness and accident cover, OPD expenses and an annual health check-up.

Best For:

Patients who may need cardiac devices such as pacemakers or AICD.
People who want heart and non-heart hospitalisation in one plan.
People wanting cardiac cover after a 30-day waiting period.
Heart patients who find it hard to get a regular health policy.
People aged 7 to 70 who have had cardiac surgery or a procedure, such as angioplasty or bypass.

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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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.

Star Cardiac Care Platinum

Things to Consider: Maternity is not covered, and the premium is higher than a standard health plan.
Things to Consider: Sublimits apply to cataract, cardiac devices, angiogram, rehabilitation and modern treatments.
Things to Consider: Restoration does not apply to cardiac claims or modern treatments.
Things to Consider: Sum Insured is capped at ₹15 lakh.
Things to Consider: Non-cardiac pre-existing diseases have a 36-month waiting period.
Reasons to Consider: Cardiac devices up to 50% of SI, heart transplantation and coronary angiogram are specifically covered.
Reasons to Consider: OPD expenses and an annual health check-up are paid in addition to the Sum Insured.
Reasons to Consider: Hospitalisation includes a single private AC room.
Reasons to Consider: No pre-policy medical tests are required, but past medical records must be submitted.
Reasons to Consider: Cardiac ailments, including pre-existing heart conditions, are covered after only 30 days.

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

Cardiac Care Platinum

Health Insurance Plan

Brochure

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.	Cardiac Care Platinum Single Private A/C Room; proportionate deduction applies for a higher room category, except where the hospital does not use differential billing.

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.	Cardiac Care Platinum Information Unavailable

ICU Charges
Complete Health Insurance Health Shield Plus Plan Covered as per eligible hospitalisation expenses and policy limits.	Cardiac Care Platinum Covered as part of hospitalisation expenses up to Sum Insured in Sections 1 and 2; no separate ICU cap stated.

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.	Cardiac Care Platinum Cataract: ₹30,000 per eye (maximum ₹40,000 per year) for SI ₹5L; ₹40,000 per eye (maximum ₹60,000 per year) for higher SI. Cardiac devices up to 50% of SI; conventional coronary angiogram ₹20,000 for SI up to ₹7.5L or ₹25,000 above; rehabilitation and pain management up to 10% of SI; modern treatment sublimits apply; coronary stents are subject to DPCO/NPPA caps.

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.

Cardiac Care Platinum

Cataract: ₹30,000 per eye (maximum ₹40,000 per year) for SI ₹5L; ₹40,000 per eye (maximum ₹60,000 per year) for higher SI. Cardiac devices up to 50% of SI; conventional coronary angiogram ₹20,000 for SI up to ₹7.5L or ₹25,000 above; rehabilitation and pain management up to 10% of SI; modern treatment sublimits apply; coronary stents are subject to DPCO/NPPA caps.

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.	Cardiac Care Platinum No co-payment clause found in the policy documents.

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.	Cardiac Care Platinum Automatic restoration of 100% of Basic Sum Insured once per policy period under Section 1 only, for unrelated illness; not available for cardiac ailments or modern treatments.

Cashless Healthcare Providers
Complete Health Insurance Health Shield Plus Plan 10,896+ hospitals across India.	Cardiac Care Platinum Cashless treatment is available at Star Health network hospitals for Sections 1 and 2. Reimbursement is available at non-network hospitals; network hospital count requires verification.

Daycare Treatment
Complete Health Insurance Health Shield Plus Plan Covered under the policy.	Cardiac Care Platinum All Day care procedures are covered.

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.	Cardiac Care Platinum 10% of the Basic Sum Insured for each claim-free year, up to 100%; not applicable to Section 3 OPD.

AYUSH Treatment
Complete Health Insurance Health Shield Plus Plan .	Cardiac Care Platinum In-patient AYUSH treatment is covered up to the Sum Insured under Sections 1 and 2. Yoga and Naturopathy require prior approval.

Consumable Cover
Complete Health Insurance Health Shield Plus Plan Not included as a standard benefit; Claim Protector is listed as an optional cover.	Cardiac Care Platinum Not mentioned as a separate benefit in the policy documents.

Initial Waiting Period
Complete Health Insurance Health Shield Plus Plan 30 days for illnesses; accident-related claims are treated as per policy terms.	Cardiac Care Platinum 30 days for illness under Section 1; accidents are covered from day 1. Section 2 cardiac cover also has a 30-day waiting period.

Specific Waiting Period
Complete Health Insurance Health Shield Plus Plan 24 months for specified diseases and procedures.	Cardiac Care Platinum 24 months for listed diseases and procedures in Section 1; 24 months for heart transplantation.

PED Waiting Period
Complete Health Insurance Health Shield Plus Plan 24 months for declared and accepted pre-existing diseases, subject to policy conditions.	Cardiac Care Platinum 36 months for non-cardiac pre-existing diseases in Section 1; 30 days for cardiac pre-existing diseases in Section 2.

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.	Cardiac Care Platinum Covered under Sections 1 and 2, subject to treatment-wise sublimits by Sum Insured. Examples: robotic surgery ₹2.5L–₹4L; oral chemotherapy ₹1.25L–₹2.5L; immunotherapy ₹2.5L–₹5L. Bronchial thermoplasty, prostate vaporisation and IONM are covered up to the Sum Insured. These benefits are part of the Sum Insured.

Annual Health Checkup
Complete Health Insurance Health Shield Plus Plan Preventive health check-up coupons each policy year; limits vary by sum insured.	Cardiac Care Platinum Covered every policy year irrespective of claims at network facilities: ₹2,000 for SI ₹5L and ₹7.5L, ₹3,000 for ₹10L, and ₹4,000 for ₹15L; in addition to the Sum Insured.

Pre-Hospitalisation
Complete Health Insurance Health Shield Plus Plan 60 days.	Cardiac Care Platinum Up to 30 days before admission.

Post-Hospitalisation
Complete Health Insurance Health Shield Plus Plan 180 days.	Cardiac Care Platinum Up to 60 days after 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.	Cardiac Care Platinum Covered at network facilities, including vaccination, on a reimbursement basis: ₹2,500 / ₹3,000 / ₹3,500 / ₹5,000 per policy period for SI ₹5L / ₹7.5L / ₹10L / ₹15L. In addition to the Sum Insured. Cardiac treatment is payable under Section 2, not under OPD.

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.	Cardiac Care Platinum Not available or mentioned in the policy documents.

Coverage Options
Complete Health Insurance Health Shield Plus Plan Individual and family floater options, with sum insured choices from ₹5 lakh to ₹1 crore.	Cardiac Care Platinum Sum Insured ₹5L, ₹7.5L, ₹10L, or ₹15L. Entry age 7–70 years with a past cardiac ailment treated by surgical intervention or procedure. Policy term 1, 2, or 3 years; lifelong renewal.

Claim Settlement Ratio
Complete Health Insurance Health Shield Plus Plan FY 24-25: 83.65%	Cardiac Care Platinum 92.16% of claims settled by number in FY 2025–26.

Maternity Cover
Complete Health Insurance Health Shield Plus Plan Not available under Health Shield Plus as per the reviewed product comparison.	Cardiac Care Platinum Not covered; maternity is excluded under Code Excl 18.

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

Cardiac Care Platinum

Health Insurance Plan

Brochure

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
Cardiac Care Platinum Single Private A/C Room; proportionate deduction applies for a higher room category, except where the hospital does not use differential billing.

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
Cardiac Care Platinum Information Unavailable

ICU Charges
Complete Health Insurance Health Shield Plus Plan Covered as per eligible hospitalisation expenses and policy limits.
VS VS
Cardiac Care Platinum Covered as part of hospitalisation expenses up to Sum Insured in Sections 1 and 2; no separate ICU cap stated.

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
Cardiac Care Platinum Cataract: ₹30,000 per eye (maximum ₹40,000 per year) for SI ₹5L; ₹40,000 per eye (maximum ₹60,000 per year) for higher SI. Cardiac devices up to 50% of SI; conventional coronary angiogram ₹20,000 for SI up to ₹7.5L or ₹25,000 above; rehabilitation and pain management up to 10% of SI; modern treatment sublimits apply; coronary stents are subject to DPCO/NPPA caps.

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
Cardiac Care Platinum No co-payment clause found in the policy documents.

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
Cardiac Care Platinum Automatic restoration of 100% of Basic Sum Insured once per policy period under Section 1 only, for unrelated illness; not available for cardiac ailments or modern treatments.

Cashless Healthcare Providers
Complete Health Insurance Health Shield Plus Plan 10,896+ hospitals across India.
VS VS
Cardiac Care Platinum Cashless treatment is available at Star Health network hospitals for Sections 1 and 2. Reimbursement is available at non-network hospitals; network hospital count requires verification.

Daycare Treatment
Complete Health Insurance Health Shield Plus Plan Covered under the policy.
VS VS
Cardiac Care Platinum All Day care procedures are covered.

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
Cardiac Care Platinum 10% of the Basic Sum Insured for each claim-free year, up to 100%; not applicable to Section 3 OPD.

AYUSH Treatment
Complete Health Insurance Health Shield Plus Plan .
VS VS
Cardiac Care Platinum In-patient AYUSH treatment is covered up to the Sum Insured under Sections 1 and 2. Yoga and Naturopathy require prior approval.

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
Cardiac Care Platinum Not mentioned as a separate benefit in the policy documents.

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
Cardiac Care Platinum 30 days for illness under Section 1; accidents are covered from day 1. Section 2 cardiac cover also has a 30-day waiting period.

Specific Waiting Period
Complete Health Insurance Health Shield Plus Plan 24 months for specified diseases and procedures.
VS VS
Cardiac Care Platinum 24 months for listed diseases and procedures in Section 1; 24 months for heart transplantation.

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
Cardiac Care Platinum 36 months for non-cardiac pre-existing diseases in Section 1; 30 days for cardiac pre-existing diseases in Section 2.

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
Cardiac Care Platinum Covered under Sections 1 and 2, subject to treatment-wise sublimits by Sum Insured. Examples: robotic surgery ₹2.5L–₹4L; oral chemotherapy ₹1.25L–₹2.5L; immunotherapy ₹2.5L–₹5L. Bronchial thermoplasty, prostate vaporisation and IONM are covered up to the Sum Insured. These benefits are part of the Sum Insured.

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
Cardiac Care Platinum Covered every policy year irrespective of claims at network facilities: ₹2,000 for SI ₹5L and ₹7.5L, ₹3,000 for ₹10L, and ₹4,000 for ₹15L; in addition to the Sum Insured.

Pre-Hospitalisation
Complete Health Insurance Health Shield Plus Plan 60 days.
VS VS
Cardiac Care Platinum Up to 30 days before admission.

Post-Hospitalisation
Complete Health Insurance Health Shield Plus Plan 180 days.
VS VS
Cardiac Care Platinum Up to 60 days after 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 VS
Cardiac Care Platinum Covered at network facilities, including vaccination, on a reimbursement basis: ₹2,500 / ₹3,000 / ₹3,500 / ₹5,000 per policy period for SI ₹5L / ₹7.5L / ₹10L / ₹15L. In addition to the Sum Insured. Cardiac treatment is payable under Section 2, not under OPD.

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
Cardiac Care Platinum Not available or mentioned in the policy documents.

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
Cardiac Care Platinum Sum Insured ₹5L, ₹7.5L, ₹10L, or ₹15L. Entry age 7–70 years with a past cardiac ailment treated by surgical intervention or procedure. Policy term 1, 2, or 3 years; lifelong renewal.

Claim Settlement Ratio
Complete Health Insurance Health Shield Plus Plan FY 24-25: 83.65%
VS VS
Cardiac Care Platinum 92.16% of claims settled by number in FY 2025–26.

Maternity Cover
Complete Health Insurance Health Shield Plus Plan Not available under Health Shield Plus as per the reviewed product comparison.
VS VS
Cardiac Care Platinum Not covered; maternity is excluded under Code Excl 18.

Insurance Plans Comparison

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Covers delivery, newborn care, and maternity expenses
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Cardiac Care Platinum vs Supreme Senior Premium

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