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Insurance Plans Comparison

Star Cancer Care Platinum 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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Star

Cancer Care Platinum

For people already diagnosed with cancer, this pays hospital bills for cancer and other illnesses, includes lifetime hospice care up to 20% of the sum insured, and offers an optional lump sum if cancer returns or spreads.

What Makes It Special:

A health insurance plan built for people who have already been diagnosed with cancer (any stage). It pays hospital bills for both cancer and non-cancer illnesses, needs no pre-policy medical tests, and offers an optional lump-sum payout if cancer comes back, spreads, or a new unrelated cancer develops.

Best For:

  • Buyers who prefer no pre-policy medical tests (past medical records are submitted instead)

  • Families planning for possible recurrence or spread of cancer through a lump-sum payout

  • Patients who want help with costs of advanced treatments like oral chemotherapy, immunotherapy and robotic surgery

  • Cancer survivors who want cover for both cancer and everyday hospital needs

  • People already diagnosed with cancer who find it hard to get regular health insurance

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

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Quick Decision Guide

Star Cancer Care Platinum

  • Things to Consider: 10% co-payment applies if the insured person's entry age is 61 or above; maternity is not covered.

  • Things to Consider: Several treatments have sub-limits (modern treatments, cataract, rehabilitation, hospice care).

  • Things to Consider: Room is limited to a Single Standard A/C room; post-hospitalisation is capped at 2% of SI per hospitalisation.

  • Things to Consider: Sum Insured is limited to Rs.5L, 7.5L or 10L and cannot be increased later, even on renewal.

  • Things to Consider: Pre-existing diseases, including the cancer itself, have a 30-month waiting period.

  • Reasons to Consider: Includes hospice care (up to 20% of SI), rehabilitation and pain management, health check-up and second medical opinion.

  • Reasons to Consider: Optional Section II pays a lump sum (50% of base SI) on recurrence, metastasis or a second unrelated cancer.

  • Reasons to Consider: No pre-policy medical tests, irrespective of age.

  • Reasons to Consider: Covers hospitalisation for both cancer and non-cancer conditions.

  • Reasons to Consider: Designed specifically for people with a cancer diagnosis, aged 5 months to 65 years.

ICICI Lombard Complete Health Insurance Health Shield

  • 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

Cancer Care Platinum
Cancer Care Platinum

Health Insurance Plan

Brochure

Policy Wording

VS
Complete Health Insurance Health Shield
Complete Health Insurance Health Shield

Health Insurance Plan

Brochure

Room Rent

Cancer Care Platinum

Single Standard AC Room

Covered up to Sum Insured

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.

Advanced Treatments

Cancer Care Platinum

Covered

VS

Complete Health Insurance Health Shield

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

ICU Charges

Cancer Care Platinum

Information Unavailable

VS

Complete Health Insurance Health Shield

Covered under eligible inpatient hospitalisation, subject to policy terms.

Co-payment

Cancer Care Platinum

Applicable for Senior Entry Ages

VS

Complete Health Insurance Health Shield

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

Disease-wise sublimits

Cancer Care Platinum

Information Unavailable

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.

Waiting Period

Cancer Care Platinum

Initial Waiting Period: 30 Days

Pre-existing Disease Waiting Period: 30 Months

VS

Complete Health Insurance Health Shield

Information Unavailable

Cashless Healthcare Providers

Cancer Care Platinum

Available

VS

Complete Health Insurance Health Shield

10,896+ hospitals across India.

Restoration Benefit

Cancer Care Platinum

Information Unavailable

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.

Daycare Treatment

Cancer Care Platinum

Covered

VS

Complete Health Insurance Health Shield

Covered under the policy. 

Cumulative Bonus

Cancer Care Platinum

Information Unavailable

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.

AYUSH Treatment

Cancer Care Platinum

Covered

VS

Complete Health Insurance Health Shield

Covered under this policy

Consumable Cover

Cancer Care Platinum

Information Unavailable

VS

Complete Health Insurance Health Shield



Initial Waiting Period

Cancer Care Platinum

Information Unavailable

VS

Complete Health Insurance Health Shield

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

Specific Waiting Period

Cancer Care Platinum

Information Unavailable

VS

Complete Health Insurance Health Shield

24 months for specified illnesses and treatments.

PED Waiting Period

Cancer Care Platinum

Information Unavailable

VS

Complete Health Insurance Health Shield

24 months for declared and accepted pre-existing diseases.

Modern Treatment

Cancer Care Platinum

Information Unavailable

VS

Complete Health Insurance Health Shield

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

Annual Health Checkup

Cancer Care Platinum

Information Unavailable

VS

Complete Health Insurance Health Shield

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

Pre-Hospitalisation

Cancer Care Platinum

Information Unavailable

VS

Complete Health Insurance Health Shield

Up to 30 days.

Post-Hospitalisation

Cancer Care Platinum

Information Unavailable

VS

Complete Health Insurance Health Shield

Up to 60 days.

Outpatient Department Cover (OPD Expense)

Cancer Care Platinum

Information Unavailable

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

Cancer Care Platinum

Information Unavailable

VS

Complete Health Insurance Health Shield

Not verified in the reviewed Health Shield document.

Coverage Options

Cancer Care Platinum

Information Unavailable

VS

Complete Health Insurance Health Shield

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

Claim Settlement Ratio

Cancer Care Platinum

Information Unavailable

VS

Complete Health Insurance Health Shield

FY 2024-25: 83.65%

Maternity Cover

Cancer Care Platinum

Information Unavailable

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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Talk to experienced advisors at no cost, and make confident decisions

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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

  • 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

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  • 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.

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