Insurance Plans Comparison
TATA AIG Elder Care 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...
Read moreElder Care
Cover hospital care from age 61, then a home nurse for up to 7 days after surgery, up to 10 physiotherapy sessions after a stroke, paralysis or joint replacement, and a caregiver for up to 14 days.
What Makes It Special:
A senior citizen health insurance plan designed for individuals aged 61 years and above, with hospitalisation coverage and specialised elderly-care support services.
Best For:
Individuals seeking health coverage for age-related healthcare needs.
Seniors looking for wellness services and teleconsultation support.
People who may need home-care support after hospitalisation.
Retired individuals looking for health insurance coverage.
Senior citizens aged 61 years and above.
VS
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
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Quick Decision Guide
Check the room eligibility and waiting periods carefully, especially the 48-month waiting period for joint replacement surgeries.
Review the mandatory 20% co-payment and the optional Co-Payment Waiver Add-On before choosing the plan.
Home Care Treatment Cover is available for specified illnesses and procedures, up to 10% of the Sum Insured.
The plan includes elderly-care services such as home nursing, home physiotherapy and compassionate care, subject to eligibility.
Consider this plan if you are looking for health insurance designed specifically for senior citizens.
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
![]() Elder Care Health Insurance Plan VS VS |
![]() Complete Health Insurance Health Shield Plus Plan Health Insurance Plan |
| Room Rent |
|---|
Elder Care Single Private Room. Choosing a room category outside the permitted eligibility may affect claim settlement as per policy terms. |
VS 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. |
| ICU Charges |
|---|
Elder Care Not separately specified in the supplied brochure. In-Patient Treatment is covered up to the Sum Insured. |
VS VS |
Complete Health Insurance Health Shield Plus Plan Covered as per eligible hospitalisation expenses and policy limits. |
| Advanced Treatments |
|---|
Elder Care Information Unavailable |
VS 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. |
| Disease-wise sublimits |
|---|
Elder Care Specific disease-wise sublimits are not fully detailed in the available product reference. Verify from the policy wording. |
VS 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. |
| Co-payment |
|---|
Elder Care Mandatory 20% co-payment applies to admissible claims. An optional Co-Payment Waiver Add-On is available. |
VS 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. |
| Cashless Healthcare Providers |
|---|
Elder Care Cashless treatment is available through the insurer's network hospitals, subject to pre-authorisation and policy terms. |
VS VS |
Complete Health Insurance Health Shield Plus Plan 10,896+ hospitals across India. |
| Restoration Benefit |
|---|
Elder Care Not specifically mentioned in the available product reference. |
VS VS |
Complete Health Insurance Health Shield Plus Plan Unlimited Reset Benefit for different illnesses and once for the same illness, subject to policy conditions. |
| Cumulative Bonus |
|---|
Elder Care 10% increase for every claim-free year, up to a maximum of 100% of the Sum Insured. Alternatively, No Claim Discount in premium can be opted for instead of Cumulative Bonus. |
VS VS |
Complete Health Insurance Health Shield Plus Plan Loyalty Bonus of 20% per year, up to 100% of the sum insured, subject to conditions. |
| Daycare Treatment |
|---|
Elder Care Covered up to the Sum Insured, subject to policy terms. |
VS VS |
Complete Health Insurance Health Shield Plus Plan Covered under the policy. |
| Consumable Cover |
|---|
Elder Care Consumables benefit is included, subject to applicable policy terms and conditions. |
VS VS |
Complete Health Insurance Health Shield Plus Plan Not included as a standard benefit; Claim Protector is listed as an optional cover. |
| AYUSH Treatment |
|---|
Elder Care Covered up to the Sum Insured, subject to policy terms. |
VS VS |
Complete Health Insurance Health Shield Plus Plan . |
| Initial Waiting Period |
|---|
Elder Care 30 days, subject to applicable policy terms and exceptions. |
VS VS |
Complete Health Insurance Health Shield Plus Plan 30 days for illnesses; accident-related claims are treated as per policy terms. |
| Specific Waiting Period |
|---|
Elder Care 24 months for specified diseases and procedures. Joint replacement surgeries have a 48-month waiting period. |
VS VS |
Complete Health Insurance Health Shield Plus Plan 24 months for specified diseases and procedures. |
| PED Waiting Period |
|---|
Elder Care 24 months for pre-existing diseases disclosed and accepted by the insurer. |
VS VS |
Complete Health Insurance Health Shield Plus Plan 24 months for declared and accepted pre-existing diseases, subject to policy conditions. |
| Modern Treatment |
|---|
Elder Care Not specified in the supplied brochure |
VS 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 |
|---|
Elder Care Preventive health consultations are available. Exact check-up limits should be verified from the policy wording. |
VS VS |
Complete Health Insurance Health Shield Plus Plan Preventive health check-up coupons each policy year; limits vary by sum insured. |
| Pre-Hospitalisation |
|---|
Elder Care Covered for up to 30 days before hospitalisation, subject to policy terms. |
VS VS |
Complete Health Insurance Health Shield Plus Plan 60 days. |
| Post-Hospitalisation |
|---|
Elder Care Post-hospitalisation support includes eligible home nursing, physiotherapy and compassionate care services, subject to policy conditions. |
VS VS |
Complete Health Insurance Health Shield Plus Plan 180 days. |
| Outpatient Department Cover (OPD Expense) |
|---|
Elder Care High-end diagnostic tests are covered up to ₹20,000 per policy year, subject to policy terms. |
VS 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 |
|---|
Elder Care Not specifically mentioned in the available product reference. |
VS 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 |
|---|
Elder Care Sum Insured options include ₹5 lakh, ₹10 lakh and ₹25 lakh, subject to availability under the applicable policy. |
VS 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 |
|---|
Elder Care Not mentioned in the available product reference. |
VS VS |
Complete Health Insurance Health Shield Plus Plan FY 24-25: 83.65% |
| Maternity Cover |
|---|
Elder Care Not specifically mentioned in the available product reference. |
VS 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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