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Insurance Plans Comparison

HDFC ERGO Critical Illness Platinum Plan vs ICICI Lombard Complete Health Insurance Health Shield

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

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HDFC ERGO

Critical Illness Platinum Plan

Lump-sum payout on first diagnosis of any of 15 critical illnesses

What Makes It Special:

The Platinum Plan pays the sum insured as a single lump sum on first diagnosis of any one of 15 listed critical illnesses after the chosen survival period of 15 or 30 days, and because the money is paid as a benefit rather than against hospital bills it can be...

Best For:

  • Buyers who prefer a benefit paid on diagnosis rather than one requiring hospital bills and cashless authorisation

  • Younger applicants looking to lock in cover early, since entry is permitted from 5 years of age

  • Buyers who want a wider critical illness list than a basic plan, including Parkinson's disease, Alzheimer's disease, benign brain tumour and end-stage liver failure

  • Sole earners whose household would face a sustained income gap if they were diagnosed with cancer, a heart condition or a neurological illness

  • Buyers who already hold a hospitalisation policy and want a separate lump sum to cover income loss and non-medical costs during a serious illness

VS
ICICI Lombard

Complete Health Insurance Health Shield

Add 10% to the sum insured after every claim-free year, up to 50%, and cover organ-donor expenses up to ₹10 lakh, with domiciliary hospitalisation and air ambulance paid over and above the sum insured.

What Makes It Special:

Health Shield is a variant listed under ICICI Lombard Complete Health Insurance. Its benefits include inpatient hospitalisation, eligible daycare procedures, inpatient AYUSH treatment, pre- and post-hospitalisation expenses, and a reset benefit that can replenish eligible cover after previous claims. The policy also lists a cumulative bonus and wellness services. Coverage...

Best For:

  • Customers who may use the policy's wellness services and preventive health-check-up facilities.

  • Buyers who want eligible daycare and inpatient AYUSH treatment covered.

  • Customers who value a cumulative bonus for claim-free years.

  • Individuals or families comparing different base sum insured options.

  • Buyers looking for hospitalisation cover with a reset benefit for subsequent eligible claims.

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

  • Set the sum insured against the income and costs you would need to replace over a treatment period, not against hospital bills, since the payout is a fixed benefit rather than a reimbursement.

  • Pre-existing conditions carry a 48-month waiting period, so if you have a declared condition, factor that delay into whether the cover meets your need.

  • Choose the survival period deliberately: the quoted premiums are based on 30 days, and the 15-day option changes the price.

  • The benefit is paid once, so treat this as a supplement to a hospitalisation policy rather than a replacement for one.

  • This plan pays only on first diagnosis of one of the 15 listed conditions as defined in the policy, so read those definitions — including the severity thresholds on heart attack, cancer and stroke — before assuming a diagnosis will qualify.

  • Verify that the Health Shield variant is still available and that the quoted UIN matches the policy document before purchase.

  • Compare the cataract sub-limit with your expected needs, especially if selecting a lower sum insured.

  • Check the 24-month PED and specified-disease waiting periods against your medical history.

  • Review the reset rules carefully, including the restrictions on using reset cover for the same illness.

  • Confirm the available sum insured and room-rent limit in the policy schedule before choosing the plan.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Critical Illness Platinum Plan
Critical Illness Platinum Plan

Health Insurance Plan

VS
Complete Health Insurance Health Shield
Complete Health Insurance Health Shield

Health Insurance Plan

Brochure

Room Rent

Critical Illness Platinum Plan

Not applicable.

VS

Complete Health Insurance Health Shield

Normal: Health Shield offers room rent and ICU coverage without sub-limits, ensuring full financial support for hospitalization, including intensive care expenses.

ICU Charges

Critical Illness Platinum Plan

Not applicable — hospitalisation expenses are not indemnified under this policy

VS

Complete Health Insurance Health Shield

Covered under eligible inpatient hospitalisation, subject to policy terms.

Advanced Treatments

Critical Illness Platinum Plan

Information Unavailable

VS

Complete Health Insurance Health Shield

Covers advanced treatments, including robotic surgeries, stem cell therapy, immunotherapy, and modern cancer treatments

Co-payment

Critical Illness Platinum Plan

Not specified.

VS

Complete Health Insurance Health Shield

10% of copay will be applied to every admissible claim.

Disease-wise sublimits

Critical Illness Platinum Plan

Not applicable.

VS

Complete Health Insurance Health Shield

Cataract: ₹20,000 per eye per policy year for sum insured up to ₹5 lakh; ₹1 lakh per eye per policy year for sum insured above ₹5 lakh.

Cashless Healthcare Providers

Critical Illness Platinum Plan

16,000 cashless healthcare providers (insurer-level, as of August 2025). Cashless hospitalisation is not the mechanism of this policy, which pays a lump sum on diagnosis

VS

Complete Health Insurance Health Shield

10,896+ hospitals across India.

Restoration Benefit

Critical Illness Platinum Plan

Not applicable.

VS

Complete Health Insurance Health Shield

Unlimited Reset Benefit is listed; reset does not trigger on the first claim and remains subject to illness, insured-person and other policy conditions.

Cumulative Bonus

Critical Illness Platinum Plan

Not specified

VS

Complete Health Insurance Health Shield

10% of annual sum insured per claim-free year, up to 50%; accumulated bonus reduces by 10% of annual sum insured following a claim, as specified in the policy.

Daycare Treatment

Critical Illness Platinum Plan

Not applicable.

VS

Complete Health Insurance Health Shield

Covered under the policy. 

Consumable Cover

Critical Illness Platinum Plan

Not applicable — no itemised hospitalisation expenses are reimbursed

VS

Complete Health Insurance Health Shield



AYUSH Treatment

Critical Illness Platinum Plan

Not applicable.

VS

Complete Health Insurance Health Shield

Covered under this policy

Initial Waiting Period

Critical Illness Platinum Plan

90 days for all claims

VS

Complete Health Insurance Health Shield

30 days for illnesses; injury-related hospitalisation is excepted.

Specific Waiting Period

Critical Illness Platinum Plan

Not specified.

VS

Complete Health Insurance Health Shield

24 months for specified illnesses and treatments.

PED Waiting Period

Critical Illness Platinum Plan

48 months for all pre-existing conditions declared and/or accepted at application

VS

Complete Health Insurance Health Shield

24 months for declared and accepted pre-existing diseases.

Modern Treatment

Critical Illness Platinum Plan

Not applicable — this is a fixed-benefit policy paying a lump sum, not an indemnity cover for treatment costs

VS

Complete Health Insurance Health Shield

Not verified as a separately defined benefit in the reviewed Health Shield document.

Annual Health Checkup

Critical Illness Platinum Plan

Not specified. A pre-policy medical check may be required based on age and sum insured. 50% of standard medical test charges is reimbursed if conducted at an empanelled diagnostic centre, subject to acceptance of the proposal and policy issuance.

VS

Complete Health Insurance Health Shield

Health-check-up coupon each policy year, up to 2 coupons per year for floater policies.

Pre-Hospitalisation

Critical Illness Platinum Plan

Not applicable.

VS

Complete Health Insurance Health Shield

Up to 30 days.

Post-Hospitalisation

Critical Illness Platinum Plan

Not applicable.

VS

Complete Health Insurance Health Shield

Up to 60 days.

Outpatient Department Cover (OPD Expense)

Critical Illness Platinum Plan

Not applicable.

VS

Complete Health Insurance Health Shield

Wellness points may be redeemable for eligible outpatient expenses; a fixed comprehensive OPD limit was not verified.

Deductible Option

Critical Illness Platinum Plan

Not applicable.

VS

Complete Health Insurance Health Shield

Not verified in the reviewed Health Shield document.

Coverage Options

Critical Illness Platinum Plan

Cover is written per insured person. No individual/floater structure is stated.

VS

Complete Health Insurance Health Shield

Individual or family floater; listed sum insured options from ₹3 lakh to ₹50 lakh.

Claim Settlement Ratio

Critical Illness Platinum Plan

Approximately 97%

VS

Complete Health Insurance Health Shield

FY 2024-25: 83.65%

Maternity Cover

Critical Illness Platinum Plan

Not covered.

VS

Complete Health Insurance Health Shield

Excluded under the reviewed policy wording, except for stated policy exceptions such as ectopic pregnancy.

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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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

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Critical Illness Platinum Plan Vs Complete Health Insurance Health Shield

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