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Insurance Plans Comparison

Star Medi Classic Gold 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

Medi Classic Gold

Stay in a private single air-conditioned room, restore 200% of the basic sum insured once for an unrelated illness, and add a further 100% super restoration once for a later hospitalisation, even for the same illness.

What Makes It Special:

An individual health insurance plan with hospitalisation coverage and additional benefits, including restoration, domiciliary treatment, organ donor expenses, newborn baby hospitalisation, tele-consultation and home care treatment, subject to applicable policy terms, limits and exclusions.

Best For:

  • Individuals interested in tele-consultation and home care treatment benefits.

  • Customers looking for organ donor and domiciliary treatment coverage.

  • Individuals seeking Private Single AC Room eligibility under applicable Sum Insured options.

  • Customers looking for restoration benefits subject to policy conditions.

  • Individuals seeking individual hospitalisation coverage.

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

  • Review exclusions and waiting periods before purchasing the policy.

  • Understand the conditions governing automatic restoration and Super Restoration.

  • Check newborn baby coverage conditions and applicable limits.

  • Review treatment-specific limits, including modern treatment limits.

  • Check room-rent eligibility based on the selected Sum Insured.

  • Review the 10% co-payment applicable to insured persons whose entry age is 61 years or above.

  • Check the 24-month waiting period for specified diseases and procedures.

  • Review the 36-month waiting period for pre-existing diseases.

  • 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

Medi Classic Gold
Medi Classic Gold

Health Insurance Plan

VS
Complete Health Insurance Health Shield
Complete Health Insurance Health Shield

Health Insurance Plan

Brochure

Room Rent

Medi Classic Gold

Under the Gold Plan, the room-rent limit depends on the selected Sum Insured. The reviewed product information indicates a limit of up to ₹5,000 per day for ₹3 lakh and ₹4 lakh Sum Insured options, and Private Single AC Room eligibility for Sum Insured options from ₹5 lakh to ₹25 lakh. Verify against the current policy wording.


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

Medi Classic Gold

Covered subject to applicable policy terms and limits. Confirm the exact limit in the current policy wording.


VS

Complete Health Insurance Health Shield

Covered under eligible inpatient hospitalisation, subject to policy terms.

Advanced Treatments

Medi Classic Gold

Information Unavailable

VS

Complete Health Insurance Health Shield

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

Co-payment

Medi Classic Gold

A 10% co-payment applies to insured persons whose entry age is 61 years or above, subject to policy terms.


VS

Complete Health Insurance Health Shield

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

Disease-wise sublimits

Medi Classic Gold

Specific limits may apply to certain treatments and benefits, including modern treatments and cataract treatment. Refer to the current policy wording for applicable limits.


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

Medi Classic Gold

Cashless treatment is available at eligible network hospitals, subject to pre-authorisation, hospital participation and policy conditions.


VS

Complete Health Insurance Health Shield

10,896+ hospitals across India.

Restoration Benefit

Medi Classic Gold

The Gold Plan is reported to include automatic restoration of the Basic Sum Insured by 200% once during the policy period, along with a separate Super Restoration benefit of an additional 100% of the Basic Sum Insured once for subsequent hospitalisation. Confirm the triggering conditions, usage rules and restrictions in the current policy wording.

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

Medi Classic Gold

Eligible daycare procedures are covered, subject to policy terms and applicable limits.


VS

Complete Health Insurance Health Shield

Covered under the policy. 

Cumulative Bonus

Medi Classic Gold

Available under the Gold Plan, subject to claim-free-year rules and applicable limits. Confirm the precise increment and reduction conditions against the current policy wording.


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

Medi Classic Gold

Eligible inpatient AYUSH treatment is covered up to the Basic Sum Insured, subject to policy terms and conditions.

VS

Complete Health Insurance Health Shield

Covered under this policy

Consumable Cover

Medi Classic Gold

Not established from the reviewed source. Verify whether consumables are covered under the base policy or an optional benefit.


VS

Complete Health Insurance Health Shield



Initial Waiting Period

Medi Classic Gold

30 days for illnesses from the first policy commencement date, except covered accident claims, subject to policy terms

VS

Complete Health Insurance Health Shield

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

Specific Waiting Period

Medi Classic Gold

24 months for specified diseases and procedures, subject to policy terms.

VS

Complete Health Insurance Health Shield

24 months for specified illnesses and treatments.

PED Waiting Period

Medi Classic Gold

36 months of continuous coverage, subject to policy terms and acceptance of the pre-existing disease.

VS

Complete Health Insurance Health Shield

24 months for declared and accepted pre-existing diseases.

Modern Treatment

Medi Classic Gold

Covered subject to applicable policy limits and policy terms.


VS

Complete Health Insurance Health Shield

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

Annual Health Checkup

Medi Classic Gold

Preventive health check-up is available at network providers, subject to the applicable Sum Insured, package limits and policy conditions. Confirm the exact benefit limit before publication.


VS

Complete Health Insurance Health Shield

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

Pre-Hospitalisation

Medi Classic Gold

Up to 30 days before hospitalisation, subject to policy terms.

VS

Complete Health Insurance Health Shield

Up to 30 days.

Post-Hospitalisation

Medi Classic Gold

Up to 60 days after discharge under the Gold Plan, subject to policy terms.


VS

Complete Health Insurance Health Shield

Up to 60 days.

Outpatient Department Cover (OPD Expense)

Medi Classic Gold

Routine OPD coverage is not established from the reviewed source. Tele-consultation is listed separately as a benefit.


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

Medi Classic Gold

Not established from the reviewed source. Verify the policy wording and schedule before publishing.


VS

Complete Health Insurance Health Shield

Not verified in the reviewed Health Shield document.

Coverage Options

Medi Classic Gold

Gold Plan Sum Insured options are reported as ₹3 lakh, ₹4 lakh, ₹5 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh and ₹25 lakh. Confirm current availability against the latest product document.


VS

Complete Health Insurance Health Shield

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

Claim Settlement Ratio

Medi Classic Gold

Not verified for this specific product variant. Do not publish a numerical ratio without a reliable, dated source.


VS

Complete Health Insurance Health Shield

FY 2024-25: 83.65%

Maternity Cover

Medi Classic Gold

Maternity expenses are excluded, subject to any specific exception stated in the applicable policy wording.

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

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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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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

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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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Medi Classic Gold Vs Complete Health Insurance Health Shield

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