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Insurance Plans Comparison

ICICI Lombard Complete Health Insurance Health Shield vs Star Red Carpet Senior Citizens

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
Star

Red Carpet Senior Citizens

A senior-citizen hospital plan that covers pre-existing diseases after 12 months, applies a 30% or 50% co-pay depending on the sum insured and the claim, and sets sub-limits for listed treatments such as cataract, cancer and heart disease.

What Makes It Special:

A senior citizen health insurance policy designed for people entering between 60 and 75 years, with lifelong renewability and individual or floater sum insured options. The brochure lists hospitalization, daycare treatment and senior-focused coverage, along with medical underwriting and optional premium payment modes.

Best For:

  • Senior citizens aged 60 to 75 years

  • People looking for lifelong renewability

  • Customers considering individual or floater cover

  • Seniors seeking dedicated hospitalization protection

  • Customers who want multiple policy-term choices

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.

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 Red Carpet Senior Citizens

  • Check the applicable room and hospitalization benefit table before purchase

  • Review medical underwriting requirements based on age, health history and sum insured

  • Review waiting periods and exclusions in the policy wording

  • Compare individual and floater coverage based on family requirements

  • Check premium loading for monthly, quarterly or half-yearly payment modes

Insurance Plans Comparison

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
Red Carpet Senior Citizens
Red Carpet Senior Citizens

Health Insurance Plan

Policy Wording

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

Red Carpet Senior Citizens

  1. Covered according to the applicable room, boarding and nursing benefit table
Advanced Treatments

Complete Health Insurance Health Shield

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

VS

Red Carpet Senior Citizens

Information Unavailable

ICU Charges

Complete Health Insurance Health Shield

Covered under eligible inpatient hospitalisation, subject to policy terms.

VS

Red Carpet Senior Citizens

Covered as per the applicable hospitalization benefit

Co-payment

Complete Health Insurance Health Shield

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

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

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

Red Carpet Senior Citizens

Not fully specified in the retrieved source

Cashless Healthcare Providers

Complete Health Insurance Health Shield

10,896+ hospitals across India.

VS

Red Carpet Senior Citizens

Available through network hospitals, subject to policy terms

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

Red Carpet Senior Citizens

Not specified in the retrieved source

Daycare Treatment

Complete Health Insurance Health Shield

Covered under the policy. 

VS

Red Carpet Senior Citizens

All daycare procedures 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

Red Carpet Senior Citizens

Not specified in the retrieved source

AYUSH Treatment

Complete Health Insurance Health Shield

Covered under this policy

VS

Red Carpet Senior Citizens

Covered, subject to policy terms

Consumable Cover

Complete Health Insurance Health Shield



VS

Red Carpet Senior Citizens

Not specified in the retrieved source

Initial Waiting Period

Complete Health Insurance Health Shield

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

VS

Red Carpet Senior Citizens

  1. Not specified in the retrieved source
Specific Waiting Period

Complete Health Insurance Health Shield

24 months for specified illnesses and treatments.

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

PED Waiting Period

Complete Health Insurance Health Shield

24 months for declared and accepted pre-existing diseases.

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

Modern Treatment

Complete Health Insurance Health Shield

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

VS

Red Carpet Senior Citizens

  1. Covered, subject to policy-specified limits
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

Red Carpet Senior Citizens

Not specified in the retrieved source

Pre-Hospitalisation

Complete Health Insurance Health Shield

Up to 30 days.

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

Post-Hospitalisation

Complete Health Insurance Health Shield

Up to 60 days.

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

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

Red Carpet Senior Citizens

Not specified in the retrieved source

Deductible Option

Complete Health Insurance Health Shield

Not verified in the reviewed Health Shield document.

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

Coverage Options

Complete Health Insurance Health Shield

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

VS

Red Carpet Senior Citizens

Individual and Floater Sum Insured

Claim Settlement Ratio

Complete Health Insurance Health Shield

FY 2024-25: 83.65%

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

Maternity Cover

Complete Health Insurance Health Shield

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

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

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

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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

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)

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