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Complete Health Insurance Health Shield Vs Cardiac Care Platinum

Insurance Plans Comparison

ICICI Lombard Complete Health Insurance Health Shield vs Star Cardiac Care Platinum

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare coverage, benefits, and premiums to find the perfect plan for your needs.

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

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.

Cardiac Care Platinum

Health cover for heart patients with cardiac cover from day 31, plus non-cardiac, OPD and health check-up benefits.

What Makes It Special:

A specialised health plan for people who have already had heart treatment, including cardiac surgery or a procedure. It covers heart-related hospitalisation after 30 days, as well as non-cardiac illness and accident cover, OPD expenses and an annual health check-up.

Best For:

Patients who may need cardiac devices such as pacemakers or AICD.
People who want heart and non-heart hospitalisation in one plan.
People wanting cardiac cover after a 30-day waiting period.
Heart patients who find it hard to get a regular health policy.
People aged 7 to 70 who have had cardiac surgery or a procedure, such as angioplasty or bypass.

Insurance Plans Comparison

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

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Quick Decision Guide

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.

Star Cardiac Care Platinum

Things to Consider: Maternity is not covered, and the premium is higher than a standard health plan.
Things to Consider: Sublimits apply to cataract, cardiac devices, angiogram, rehabilitation and modern treatments.
Things to Consider: Restoration does not apply to cardiac claims or modern treatments.
Things to Consider: Sum Insured is capped at ₹15 lakh.
Things to Consider: Non-cardiac pre-existing diseases have a 36-month waiting period.
Reasons to Consider: Cardiac devices up to 50% of SI, heart transplantation and coronary angiogram are specifically covered.
Reasons to Consider: OPD expenses and an annual health check-up are paid in addition to the Sum Insured.
Reasons to Consider: Hospitalisation includes a single private AC room.
Reasons to Consider: No pre-policy medical tests are required, but past medical records must be submitted.
Reasons to Consider: Cardiac ailments, including pre-existing heart conditions, are covered after only 30 days.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Complete Health Insurance Health Shield

Health Insurance Plan

Brochure

Cardiac Care Platinum

Health Insurance Plan

Brochure

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.	Cardiac Care Platinum Single Private A/C Room; proportionate deduction applies for a higher room category, except where the hospital does not use differential billing.

Advanced Treatments
Complete Health Insurance Health Shield Covers advanced treatments, including robotic surgeries, stem cell therapy, immunotherapy, and modern cancer treatments	Cardiac Care Platinum Information Unavailable

ICU Charges
Complete Health Insurance Health Shield Covered under eligible inpatient hospitalisation, subject to policy terms.	Cardiac Care Platinum Covered as part of hospitalisation expenses up to Sum Insured in Sections 1 and 2; no separate ICU cap stated.

Co-payment
Complete Health Insurance Health Shield 10% of copay will be applied to every admissible claim.	Cardiac Care Platinum No co-payment clause found in the policy documents.

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.	Cardiac Care Platinum Cataract: ₹30,000 per eye (maximum ₹40,000 per year) for SI ₹5L; ₹40,000 per eye (maximum ₹60,000 per year) for higher SI. Cardiac devices up to 50% of SI; conventional coronary angiogram ₹20,000 for SI up to ₹7.5L or ₹25,000 above; rehabilitation and pain management up to 10% of SI; modern treatment sublimits apply; coronary stents are subject to DPCO/NPPA caps.

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.

Cardiac Care Platinum

Cataract: ₹30,000 per eye (maximum ₹40,000 per year) for SI ₹5L; ₹40,000 per eye (maximum ₹60,000 per year) for higher SI. Cardiac devices up to 50% of SI; conventional coronary angiogram ₹20,000 for SI up to ₹7.5L or ₹25,000 above; rehabilitation and pain management up to 10% of SI; modern treatment sublimits apply; coronary stents are subject to DPCO/NPPA caps.

Cashless Healthcare Providers
Complete Health Insurance Health Shield 10,896+ hospitals across India.	Cardiac Care Platinum Cashless treatment is available at Star Health network hospitals for Sections 1 and 2. Reimbursement is available at non-network hospitals; network hospital count requires verification.

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.	Cardiac Care Platinum Automatic restoration of 100% of Basic Sum Insured once per policy period under Section 1 only, for unrelated illness; not available for cardiac ailments or modern treatments.

Daycare Treatment
Complete Health Insurance Health Shield Covered under the policy.	Cardiac Care Platinum All Day care procedures are covered.

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.	Cardiac Care Platinum 10% of the Basic Sum Insured for each claim-free year, up to 100%; not applicable to Section 3 OPD.

AYUSH Treatment
Complete Health Insurance Health Shield Covered under this policy	Cardiac Care Platinum In-patient AYUSH treatment is covered up to the Sum Insured under Sections 1 and 2. Yoga and Naturopathy require prior approval.

Consumable Cover
Complete Health Insurance Health Shield	Cardiac Care Platinum Not mentioned as a separate benefit in the policy documents.

Initial Waiting Period
Complete Health Insurance Health Shield 30 days for illnesses; injury-related hospitalisation is excepted.	Cardiac Care Platinum 30 days for illness under Section 1; accidents are covered from day 1. Section 2 cardiac cover also has a 30-day waiting period.

Specific Waiting Period
Complete Health Insurance Health Shield 24 months for specified illnesses and treatments.	Cardiac Care Platinum 24 months for listed diseases and procedures in Section 1; 24 months for heart transplantation.

PED Waiting Period
Complete Health Insurance Health Shield 24 months for declared and accepted pre-existing diseases.	Cardiac Care Platinum 36 months for non-cardiac pre-existing diseases in Section 1; 30 days for cardiac pre-existing diseases in Section 2.

Modern Treatment
Complete Health Insurance Health Shield Not verified as a separately defined benefit in the reviewed Health Shield document.	Cardiac Care Platinum Covered under Sections 1 and 2, subject to treatment-wise sublimits by Sum Insured. Examples: robotic surgery ₹2.5L–₹4L; oral chemotherapy ₹1.25L–₹2.5L; immunotherapy ₹2.5L–₹5L. Bronchial thermoplasty, prostate vaporisation and IONM are covered up to the Sum Insured. These benefits are part of the Sum Insured.

Annual Health Checkup
Complete Health Insurance Health Shield Health-check-up coupon each policy year, up to 2 coupons per year for floater policies.	Cardiac Care Platinum Covered every policy year irrespective of claims at network facilities: ₹2,000 for SI ₹5L and ₹7.5L, ₹3,000 for ₹10L, and ₹4,000 for ₹15L; in addition to the Sum Insured.

Pre-Hospitalisation
Complete Health Insurance Health Shield Up to 30 days.	Cardiac Care Platinum Up to 30 days before admission.

Post-Hospitalisation
Complete Health Insurance Health Shield Up to 60 days.	Cardiac Care Platinum Up to 60 days after discharge.

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.	Cardiac Care Platinum Covered at network facilities, including vaccination, on a reimbursement basis: ₹2,500 / ₹3,000 / ₹3,500 / ₹5,000 per policy period for SI ₹5L / ₹7.5L / ₹10L / ₹15L. In addition to the Sum Insured. Cardiac treatment is payable under Section 2, not under OPD.

Deductible Option
Complete Health Insurance Health Shield Not verified in the reviewed Health Shield document.	Cardiac Care Platinum Not available or mentioned in the policy documents.

Coverage Options
Complete Health Insurance Health Shield Individual or family floater; listed sum insured options from ₹3 lakh to ₹50 lakh.	Cardiac Care Platinum Sum Insured ₹5L, ₹7.5L, ₹10L, or ₹15L. Entry age 7–70 years with a past cardiac ailment treated by surgical intervention or procedure. Policy term 1, 2, or 3 years; lifelong renewal.

Claim Settlement Ratio
Complete Health Insurance Health Shield FY 2024-25: 83.65%	Cardiac Care Platinum 92.16% of claims settled by number in FY 2025–26.

Maternity Cover
Complete Health Insurance Health Shield Excluded under the reviewed policy wording, except for stated policy exceptions such as ectopic pregnancy.	Cardiac Care Platinum Not covered; maternity is excluded under Code Excl 18.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Complete Health Insurance Health Shield

Health Insurance Plan

Brochure

Cardiac Care Platinum

Health Insurance Plan

Brochure

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 VS
Cardiac Care Platinum Single Private A/C Room; proportionate deduction applies for a higher room category, except where the hospital does not use differential billing.

Advanced Treatments
Complete Health Insurance Health Shield Covers advanced treatments, including robotic surgeries, stem cell therapy, immunotherapy, and modern cancer treatments
VS VS
Cardiac Care Platinum Information Unavailable

ICU Charges
Complete Health Insurance Health Shield Covered under eligible inpatient hospitalisation, subject to policy terms.
VS VS
Cardiac Care Platinum Covered as part of hospitalisation expenses up to Sum Insured in Sections 1 and 2; no separate ICU cap stated.

Co-payment
Complete Health Insurance Health Shield 10% of copay will be applied to every admissible claim.
VS VS
Cardiac Care Platinum No co-payment clause found in the policy documents.

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 VS
Cardiac Care Platinum Cataract: ₹30,000 per eye (maximum ₹40,000 per year) for SI ₹5L; ₹40,000 per eye (maximum ₹60,000 per year) for higher SI. Cardiac devices up to 50% of SI; conventional coronary angiogram ₹20,000 for SI up to ₹7.5L or ₹25,000 above; rehabilitation and pain management up to 10% of SI; modern treatment sublimits apply; coronary stents are subject to DPCO/NPPA caps.

Cashless Healthcare Providers
Complete Health Insurance Health Shield 10,896+ hospitals across India.
VS VS
Cardiac Care Platinum Cashless treatment is available at Star Health network hospitals for Sections 1 and 2. Reimbursement is available at non-network hospitals; network hospital count requires verification.

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 VS
Cardiac Care Platinum Automatic restoration of 100% of Basic Sum Insured once per policy period under Section 1 only, for unrelated illness; not available for cardiac ailments or modern treatments.

Daycare Treatment
Complete Health Insurance Health Shield Covered under the policy.
VS VS
Cardiac Care Platinum All Day care procedures are covered.

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 VS
Cardiac Care Platinum 10% of the Basic Sum Insured for each claim-free year, up to 100%; not applicable to Section 3 OPD.

AYUSH Treatment
Complete Health Insurance Health Shield Covered under this policy
VS VS
Cardiac Care Platinum In-patient AYUSH treatment is covered up to the Sum Insured under Sections 1 and 2. Yoga and Naturopathy require prior approval.

Consumable Cover
Complete Health Insurance Health Shield
VS VS
Cardiac Care Platinum Not mentioned as a separate benefit in the policy documents.

Initial Waiting Period
Complete Health Insurance Health Shield 30 days for illnesses; injury-related hospitalisation is excepted.
VS VS
Cardiac Care Platinum 30 days for illness under Section 1; accidents are covered from day 1. Section 2 cardiac cover also has a 30-day waiting period.

Specific Waiting Period
Complete Health Insurance Health Shield 24 months for specified illnesses and treatments.
VS VS
Cardiac Care Platinum 24 months for listed diseases and procedures in Section 1; 24 months for heart transplantation.

PED Waiting Period
Complete Health Insurance Health Shield 24 months for declared and accepted pre-existing diseases.
VS VS
Cardiac Care Platinum 36 months for non-cardiac pre-existing diseases in Section 1; 30 days for cardiac pre-existing diseases in Section 2.

Modern Treatment
Complete Health Insurance Health Shield Not verified as a separately defined benefit in the reviewed Health Shield document.
VS VS
Cardiac Care Platinum Covered under Sections 1 and 2, subject to treatment-wise sublimits by Sum Insured. Examples: robotic surgery ₹2.5L–₹4L; oral chemotherapy ₹1.25L–₹2.5L; immunotherapy ₹2.5L–₹5L. Bronchial thermoplasty, prostate vaporisation and IONM are covered up to the Sum Insured. These benefits are part of the Sum Insured.

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 VS
Cardiac Care Platinum Covered every policy year irrespective of claims at network facilities: ₹2,000 for SI ₹5L and ₹7.5L, ₹3,000 for ₹10L, and ₹4,000 for ₹15L; in addition to the Sum Insured.

Pre-Hospitalisation
Complete Health Insurance Health Shield Up to 30 days.
VS VS
Cardiac Care Platinum Up to 30 days before admission.

Post-Hospitalisation
Complete Health Insurance Health Shield Up to 60 days.
VS VS
Cardiac Care Platinum Up to 60 days after discharge.

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 VS
Cardiac Care Platinum Covered at network facilities, including vaccination, on a reimbursement basis: ₹2,500 / ₹3,000 / ₹3,500 / ₹5,000 per policy period for SI ₹5L / ₹7.5L / ₹10L / ₹15L. In addition to the Sum Insured. Cardiac treatment is payable under Section 2, not under OPD.

Deductible Option
Complete Health Insurance Health Shield Not verified in the reviewed Health Shield document.
VS VS
Cardiac Care Platinum Not available or mentioned in the policy documents.

Coverage Options
Complete Health Insurance Health Shield Individual or family floater; listed sum insured options from ₹3 lakh to ₹50 lakh.
VS VS
Cardiac Care Platinum Sum Insured ₹5L, ₹7.5L, ₹10L, or ₹15L. Entry age 7–70 years with a past cardiac ailment treated by surgical intervention or procedure. Policy term 1, 2, or 3 years; lifelong renewal.

Claim Settlement Ratio
Complete Health Insurance Health Shield FY 2024-25: 83.65%
VS VS
Cardiac Care Platinum 92.16% of claims settled by number in FY 2025–26.

Maternity Cover
Complete Health Insurance Health Shield Excluded under the reviewed policy wording, except for stated policy exceptions such as ectopic pregnancy.
VS VS
Cardiac Care Platinum Not covered; maternity is excluded under Code Excl 18.

Insurance Plans Comparison

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Secure against age-related medical costs
Tailored for seniors healthcare needs

Family Health Plan

One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs

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Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

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Cardiac Care Platinum vs ProHealth Accumulate

Cardiac Care Platinum vs Health Booster SuperTopup Individual Adult 1 Year N

Cardiac Care Platinum vs Supreme Shine

Cardiac Care Platinum vs Health Shield 360 Retail

Cardiac Care Platinum vs Health Cardiac Care Silver & Gold Plan

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Cardiac Care Platinum vs Max Protect Premium

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Cardiac Care Platinum vs Advantage

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Cardiac Care Platinum vs Special Care Gold

Cardiac Care Platinum vs Energy Gold Without Copay

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Cardiac Care Platinum vs Medi Classic

Cardiac Care Platinum vs Activate Booster Plan B

Cardiac Care Platinum vs Aspire Gold+

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Cardiac Care Platinum vs Plus Complete

Cardiac Care Platinum vs Health Companion Family First Plan

Cardiac Care Platinum vs Reassure 2.0 Platinum+

Cardiac Care Platinum vs Reassure 3.0 Elite

Cardiac Care Platinum vs Enhance Super Top-up One

Cardiac Care Platinum vs Joy Tomorrow

Cardiac Care Platinum vs Reassure 3.0 Select

Cardiac Care Platinum vs Activ One VIP+

Cardiac Care Platinum vs Red Carpet Senior Citizens

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Cardiac Care Platinum vs Health Companion Variant 2022

Cardiac Care Platinum vs Health Companion Variant 3

Cardiac Care Platinum vs Plus Youth

Cardiac Care Platinum vs ProHealth Prime Advantage

Cardiac Care Platinum vs Critical Illness Silver Plan

Cardiac Care Platinum vs Health Premia Gold

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Cardiac Care Platinum vs Comprehensive

Cardiac Care Platinum vs HeartBeat Enhanced

Cardiac Care Platinum vs Reassure

Cardiac Care Platinum vs Complete Health Insurance Health Shield Plus Plan

Cardiac Care Platinum vs myHealth Suraksha Platinum

Cardiac Care Platinum vs Health Recharge Super Top Up Plan

Cardiac Care Platinum vs Supreme Value for Money

Cardiac Care Platinum vs Supreme Enhance Two

Cardiac Care Platinum vs Supreme Senior Super

Cardiac Care Platinum vs Supreme Enhance

Cardiac Care Platinum vs Reassure 2.0 Gold

Cardiac Care Platinum vs Active Fit Preferred

Cardiac Care Platinum vs LifeTime Health

Cardiac Care Platinum vs Medicare

Cardiac Care Platinum vs ProHealth Prime Active

Cardiac Care Platinum vs ProHealth Prime Senior Elite

Cardiac Care Platinum vs Advanced Top Up

Cardiac Care Platinum vs Multiplier Health

Cardiac Care Platinum vs Ultimate (Direct)

Cardiac Care Platinum vs Young Star

Cardiac Care Platinum vs Star Women Care Policy

Cardiac Care Platinum vs Health Assurance

Cardiac Care Platinum vs Family Plus

Cardiac Care Platinum vs Sarvah Param

Cardiac Care Platinum vs Optima Insurance

Cardiac Care Platinum vs Smart Super Health Assure

Cardiac Care Platinum vs Criti Shield Plus

Cardiac Care Platinum vs Health Care Supreme Ultimo

Cardiac Care Platinum vs Super Star

Cardiac Care Platinum vs Reassure 3.0 Black

Cardiac Care Platinum vs Health Guard Platinum

Cardiac Care Platinum vs Health Guard Gold

Cardiac Care Platinum vs Elevate (Direct)

Cardiac Care Platinum vs Senior First Platinum

Cardiac Care Platinum vs Extra Care Plus Super Top-up

Cardiac Care Platinum vs Health Care Supreme Smart

Cardiac Care Platinum vs Medi Classic Gold

Cardiac Care Platinum vs Smart Health Pro

Cardiac Care Platinum vs Optima Super Secure

Cardiac Care Platinum vs Optima Secure Global

Cardiac Care Platinum vs Special Care

Cardiac Care Platinum vs Medicare LITE

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Cardiac Care Platinum vs Health Shield 360

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Cardiac Care Platinum vs Energy Silver With Copay

Cardiac Care Platinum vs Supreme (Direct)

Cardiac Care Platinum vs Plus

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Cardiac Care Platinum vs Health Companion Variant 2

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Cardiac Care Platinum vs Aspire Titanium+

Cardiac Care Platinum vs iHealth Plus

Cardiac Care Platinum vs Reassure 3.0 Classic

Cardiac Care Platinum vs Senior Health Advantage

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Cardiac Care Platinum vs Elevate

Cardiac Care Platinum vs Heart

Cardiac Care Platinum vs Reassure 2.0 Titanium+

Cardiac Care Platinum vs Diabetes Safe Plan A

Cardiac Care Platinum vs Reassure 2.0 Bronze+

Cardiac Care Platinum vs Young Star Silver

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Cardiac Care Platinum vs Joy

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Cardiac Care Platinum vs Supreme Super Saver

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Cardiac Care Platinum vs Supreme Senior Premium

Cardiac Care Platinum vs Energy Silver Without Copay

Cardiac Care Platinum vs Ultimate

Cardiac Care Platinum vs EquiCover

Cardiac Care Platinum vs Optima Secure Global Plus

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