Oneassure

Partner with us

Insurance Plans Comparison

ICICI Lombard Complete Health Insurance Health Shield Plus Plan vs Star Young Star

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

Read more
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.

VS
Star

Young Star

Restore the basic sum insured by 100% for later claims in the same year, add a 20% cumulative bonus each claim-free year up to 100%, and get 25% extra cover, up to ₹10 lakh, after a helmeted two-wheeler accident.

What Makes It Special:

Young Star Insurance Policy is a health insurance plan designed for adults between 18 and 40 years, with dependent children eligible from 91 days to 25 years on a floater basis. It offers individual and family floater coverage, automatic restoration of Basic Sum Insured, cumulative bonus, health check-up benefits, wellness...

Best For:

  • Buyers looking for long-term health insurance with lifelong renewability

  • Customers who want wellness-based premium discounts

  • Customers looking for automatic restoration of Basic Sum Insured

  • Young families seeking individual or family floater coverage

  • Adults between 18 and 40 years looking for health insurance

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 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 Young Star

  • The restored Sum Insured cannot be carried forward and does not apply to Modern Treatment.

  • The maternity benefit is available only under the Gold Plan and has specific eligibility and waiting period conditions.

  • Room eligibility is based on a Single Private A/C Room, with proportionate deductions for higher room categories.

  • Specified diseases and procedures have a 12-month waiting period.

  • The PED waiting period is 12 months.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

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

Health Insurance Plan

Brochure

VS
Young Star
Young Star

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

Young Star

Single Private A/C Room, with proportionate deductions applicable for higher room categories


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

Young Star

Information Unavailable

ICU Charges

Complete Health Insurance Health Shield Plus Plan

Covered as per eligible hospitalisation expenses and policy limits.

VS

Young Star

Covered as part of hospitalisation expenses

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

Young Star

Applicable limits may apply to specific treatments and benefits


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

Young Star

No standard co-payment specified in the supplied policy document

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

Young Star

100% Automatic Restoration of Basic Sum Insured, subject to policy conditions


Cashless Healthcare Providers

Complete Health Insurance Health Shield Plus Plan

10,896+ hospitals across India.

VS

Young Star

Cashless hospitalisation available through Star Health network hospitals

Daycare Treatment

Complete Health Insurance Health Shield Plus Plan

Covered under the policy. 

VS

Young Star

All Day Care Procedures 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

Young Star

20% of Basic Sum Insured for every claim-free year, up to 100% of Basic Sum Insured

AYUSH Treatment

Complete Health Insurance Health Shield Plus Plan

.

VS

Young Star

Covered, subject to applicable 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

Young Star

Not specifically mentioned in the supplied policy document


Initial Waiting Period

Complete Health Insurance Health Shield Plus Plan

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

VS

Young Star

30 Days, except for eligible accident-related claims

Specific Waiting Period

Complete Health Insurance Health Shield Plus Plan

24 months for specified diseases and procedures.

VS

Young Star

12 Months for specified diseases and procedures


PED Waiting Period

Complete Health Insurance Health Shield Plus Plan

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

VS

Young Star

12 Months for pre-existing diseases and their direct complications


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

Young Star

Covered subject to applicable limits

Annual Health Checkup

Complete Health Insurance Health Shield Plus Plan

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

VS

Young Star

Available after completion of each policy year, subject to applicable limits and renewal


Pre-Hospitalisation

Complete Health Insurance Health Shield Plus Plan

60 days.

VS

Young Star

Covered for up to 60 Days

Post-Hospitalisation

Complete Health Insurance Health Shield Plus Plan

180 days.

VS

Young Star

Covered for up to 90 Days

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

Young Star

Not specified as a standard OPD benefit

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

Young Star

1-day deductible applies to the Hospital Cash Benefit


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

Young Star

₹3 Lakh to ₹1 Crore, with ₹3 Lakh available only on an individual basis; higher options available on individual and floater basis


Claim Settlement Ratio

Complete Health Insurance Health Shield Plus Plan

FY 24-25: 83.65%

VS

Young Star

Not specified in the supplied policy document

Maternity Cover

Complete Health Insurance Health Shield Plus Plan

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

VS

Young Star

Delivery expenses up to ₹30,000 per delivery under the Gold Plan, subject to a 36-month waiting period and other conditions


Insurance Plans Comparison

Still Confused? Get Expert Advice

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

Why Choose Our Expert Consultation?

End-to-End Support

End-to-End Support

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

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

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)

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

1-5 of 10 FAQs

Compare With Other Health Insurance Plans

Complete Health Insurance Health Shield Plus Plan vs Supreme Senior Premium

Complete Health Insurance Health Shield Plus Plan vs Energy Silver Without Copay

Complete Health Insurance Health Shield Plus Plan vs Ultimate

Complete Health Insurance Health Shield Plus Plan vs EquiCover

Complete Health Insurance Health Shield Plus Plan vs Optima Secure Global Plus

Young Star vs Supreme Senior Premium

Young Star vs Energy Silver Without Copay

Young Star vs Ultimate

Young Star vs EquiCover

Young Star vs Optima Secure Global Plus

Oneassure

Health Insurance

Compare Health Insurance Plans

Complete Health Insurance Health Shield Plus Plan Vs Young Star

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.