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Insurance Plans Comparison

ICICI Lombard Complete Health Insurance Health Shield vs ICICI Lombard Smart Super Health

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

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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.

VS
ICICI Lombard

Smart Super Health

Restore up to 100% of the sum insured once in a policy year for a new illness after the cover is exhausted, with 60 days of pre-hospitalisation, 90 days after discharge and inpatient AYUSH treatment.

What Makes It Special:

Smart Super Health is an ICICI Lombard floater offered in Value, Classic and Uber variants, with sum insured options from ₹5 lakh to ₹1 crore. It covers in-patient hospitalisation, daycare, AYUSH and domiciliary treatment, with optional add-ons for maternity, critical illness and hospital cash.

Best For:

  • Buyers who may add maternity, critical illness or hospital cash cover later

  • Buyers who want restoration of the sum insured for a new illness in the same year

  • Buyers who need air ambulance cover within India, on the Uber variant

  • Buyers who want domiciliary treatment cover

  • Families who want a hospitalisation floater with a choice of three variants

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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

  • 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.

  • Confirm the variant’s sum insured and feature list on the current policy schedule, since the wording reviewed is from around 2018 to 2019.

  • Confirm the co-payment position with ICICI Lombard on 1800 2666 before buying, since a third-party source mentions 20% in some cases.

  • Maternity needs a 3-year term and a 9-month wait, so decide early if you plan a pregnancy.

  • The 48-month PED waiting period is long, so buy early if you have existing conditions.

  • Choose the variant by need: Value is the lowest-cost option, and Uber adds air ambulance, dental and the highest sum insured.

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Detailed Features Comparison

Compare the key features of different health insurance plans

Complete Health Insurance Health Shield
Complete Health Insurance Health Shield

Health Insurance Plan

Brochure

VS
Smart Super Health
Smart Super Health

Health Insurance Plan

Room Rent

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.

VS

Smart Super Health

  1. Normal: Covered Up to Sum Insured
  2. ICU: Covered Up to Sum Insured
Advanced Treatments

Complete Health Insurance Health Shield

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

VS

Smart Super Health

  1. Robotic surgeries
  2. Stem cell therapy
  3. Deep brain stimulation
  4. Bronchial thermoplasty

     

  5. Intra-operative neuro monitoring (IONM)
ICU Charges

Complete Health Insurance Health Shield

Covered under eligible inpatient hospitalisation, subject to policy terms.

VS

Smart Super Health

Covered within the sum insured under in-patient treatment. ICU charges are part of the room and ICU charges covered under in-patient treatment.

Co-payment

Complete Health Insurance Health Shield

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

VS

Smart Super Health

A co-payment applies in certain cases. If treatment is availed in a higher-tier city while paying a lower-tier premium, a 20% co-payment applies.

Disease-wise sublimits

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.

VS

Smart Super Health

No disease sublimit schedule is listed in the wording. Procedures under the 2-year waiting period apply. Convalescence and outpatient emergency have separate per-policy sub-limits.

Cashless Healthcare Providers

Complete Health Insurance Health Shield

10,896+ hospitals across India.

VS

Smart Super Health

The policy provides access to over 10,000+ network hospitals, ensuring cashless treatment at recognized healthcare facilities​.

Restoration Benefit

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.

VS

Smart Super Health

Restores up to 100% of the sum insured once per policy year, when the sum insured and bonus are exhausted. Restoration applies only to a new illness, not one already claimed in that year. Unused restoration does not carry forward. It does not apply to add-ons.

Daycare Treatment

Complete Health Insurance Health Shield

Covered under the policy. 

VS

Smart Super Health

Covers all day care procedures requiring hospitalization of less than 24 hours. Treatments such as cataract surgery, chemotherapy, and minor surgical procedures are included​.

Cumulative Bonus

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.

VS

Smart Super Health

Under age 45 at first policy inception: 50% of the expiring sum insured per year, up to 100% of the current sum insured. Age 45 to 65: 20% per year, up to 100%. A claim reduces the bonus proportionately in the following year (Appendix III).

AYUSH Treatment

Complete Health Insurance Health Shield

Covered under this policy

VS

Smart Super Health

Alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy (AYUSH) are covered.

Consumable Cover

Complete Health Insurance Health Shield



VS

Smart Super Health

Non-medical items such as toiletries, gloves and cotton are not payable. Prescribed medicines and certain items are payable (Appendix IV).

Initial Waiting Period

Complete Health Insurance Health Shield

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

VS

Smart Super Health

30 days from inception, except for accidents

Specific Waiting Period

Complete Health Insurance Health Shield

24 months for specified illnesses and treatments.

VS

Smart Super Health

2 years for listed illnesses and procedures (clause 6.1.2)

PED Waiting Period

Complete Health Insurance Health Shield

24 months for declared and accepted pre-existing diseases.

VS

Smart Super Health

48 months (clause 6.1.3)

Modern Treatment

Complete Health Insurance Health Shield

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

VS

Smart Super Health

Robotic surgery is excluded (exclusion 36). Other modern treatments are not listed in the wording. Confirm with ICICI Lombard on 1800 2666.

Annual Health Checkup

Complete Health Insurance Health Shield

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

VS

Smart Super Health

Available at renewal for insured persons aged 18 and over, through the insurer’s empanelled providers. Basic, extended or comprehensive, depending on variant (Appendix II).

Pre-Hospitalisation

Complete Health Insurance Health Shield

Up to 30 days.

VS

Smart Super Health

Up to 60 days before admission, within the sum insured

Post-Hospitalisation

Complete Health Insurance Health Shield

Up to 60 days.

VS

Smart Super Health

Up to 90 days after discharge, within the sum insured

Outpatient Department Cover (OPD Expense)

Complete Health Insurance Health Shield

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

VS

Smart Super Health

Up to 90 days after discharge, within the sum insured

Deductible Option

Complete Health Insurance Health Shield

Not verified in the reviewed Health Shield document.

VS

Smart Super Health

No deductible option is listed in the wording. Hospital cash has a one-day deductible.

Coverage Options

Complete Health Insurance Health Shield

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

VS

Smart Super Health

Value (₹5 lakh and ₹7.5 lakh), Classic (₹10 lakh to ₹20 lakh), Uber (₹20 lakh to ₹1 crore). Optional add-ons are hospital cash, maternity, critical illness and personal accident.

Claim Settlement Ratio

Complete Health Insurance Health Shield

FY 2024-25: 83.65%

VS

Smart Super Health

FY 24-25: ~84%

Maternity Cover

Complete Health Insurance Health Shield

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

VS

Smart Super Health

Optional add-on, available only on a 3-year floater term with a 9-month waiting period. Covers up to 2 deliveries or terminations in a lifetime, for insured persons aged 18 to 45. Maternity limits are ₹35,000 to ₹1,00,000 by variant, and newborn cover is ₹25,000 to ₹1,00,000 for the first 90 days.

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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

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