Insurance Plans Comparison
ICICI Lombard iHealth Plus vs HDFC ERGO Critical Illness Silver Plan
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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iHealth Plus
Include maternity after a 3-year wait, newborn cover up to ₹10,000 and an outpatient and wellness allowance, plus a 10% cumulative bonus each claim-free year up to 50% of the sum insured.
What Makes It Special:
iHealth Plus is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.
Best For:
- Not available
VS
Critical Illness Silver Plan
Affordable lump-sum cover for 8 major critical illnesses
What Makes It Special:
The Silver Plan pays the sum insured as a single lump sum on first diagnosis of any one of 8 listed critical illnesses after the chosen survival period of 15 or 30 days, and at every age band and sum insured its premium is lower than the Platinum Plan's, which...
Best For:
Buyers topping up an existing critical illness benefit from an employer or a life insurer with additional standalone cover
Younger applicants looking to start critical illness cover early, since entry is permitted from 5 years of age
Buyers who already hold a hospitalisation policy and want a separate lump sum for income loss and non-medical costs
Buyers whose main concern is the four most common critical illness categories — heart, cancer, stroke and kidney failure
Buyers who want critical illness cover at the lowest premium within this product and accept a shorter list of covered conditions
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
Not available
Set the sum insured against the income and costs you would need to replace during treatment rather than against expected hospital bills, because the payout is a fixed benefit and not a reimbursement.
Pre-existing conditions carry a 48-month waiting period, so if you have a declared condition, weigh whether the Silver Plan's lower premium still meets your need over that delay.
The benefit is payable once, so treat this as a supplement to a hospitalisation policy and not a substitute for one.
The plan pays only on first diagnosis of a listed condition as defined in the policy, so read the severity thresholds on heart attack, cancer and stroke before assuming a diagnosis will qualify.
Compare the 8-illness list against the Platinum Plan's 15 before choosing, since the Silver Plan excludes Parkinson's disease, Alzheimer's disease, benign brain tumour, end-stage liver failure, surgery of aorta, primary pulmonary hypertension and heart valve replacement or repair.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
iHealth Plus Health Insurance Plan VS VS |
Critical Illness Silver Plan Health Insurance Plan |
| Room Rent |
|---|
iHealth Plus Normal Room: No capping — covered up to Sum Insured ICU Charges: No capping — covered up to Sum Insured |
VS VS |
Critical Illness Silver Plan Not applicable. |
| Advanced Treatments |
|---|
iHealth Plus Day Care Procedures Organ Transplant Related Donor Expenses (Optional Cover) Critical Illness Cover (Optional Cover) AYUSH Hospitalisation |
VS VS |
Critical Illness Silver Plan Information Unavailable |
| ICU Charges |
|---|
iHealth Plus Information Unavailable |
VS VS |
Critical Illness Silver Plan Not applicable — hospitalisation expenses are not indemnified under this policy |
| Co-payment |
|---|
iHealth Plus No Co-pay — 100% of admissible claims covered by the insurer |
VS VS |
Critical Illness Silver Plan Not applicable |
| Disease-wise sublimits |
|---|
iHealth Plus Information Unavailable |
VS VS |
Critical Illness Silver Plan Not applicable. |
| Waiting Period |
|---|
iHealth Plus Initial Waiting Period: 30 days Pre-existing Disease Waiting Period:
|
VS VS |
Critical Illness Silver Plan Information Unavailable |
| Cashless Healthcare Providers |
|---|
iHealth Plus Cashless treatment available at 6500+ network hospitals |
VS VS |
Critical Illness Silver Plan 16,000 cashless healthcare providers (insurer-level, as of August 2025). Cashless hospitalisation is not the mechanism of this policy, which pays a lump sum on diagnosis |
| Restoration Benefit |
|---|
iHealth Plus Information Unavailable |
VS VS |
Critical Illness Silver Plan Not applicable — the benefit is payable once, on first diagnosis |
| Daycare Treatment |
|---|
iHealth Plus Covered |
VS VS |
Critical Illness Silver Plan Not applicable |
| Cumulative Bonus |
|---|
iHealth Plus Information Unavailable |
VS VS |
Critical Illness Silver Plan Not specified |
| AYUSH Treatment |
|---|
iHealth Plus Covered |
VS VS |
Critical Illness Silver Plan Not applicable |
| Consumable Cover |
|---|
iHealth Plus Information Unavailable |
VS VS |
Critical Illness Silver Plan Not applicable. |
| Initial Waiting Period |
|---|
iHealth Plus Information Unavailable |
VS VS |
Critical Illness Silver Plan 90 days |
| Specific Waiting Period |
|---|
iHealth Plus Information Unavailable |
VS VS |
Critical Illness Silver Plan Not specified. |
| PED Waiting Period |
|---|
iHealth Plus Information Unavailable |
VS VS |
Critical Illness Silver Plan 48 months for all pre-existing conditions declared and/or accepted at application |
| Modern Treatment |
|---|
iHealth Plus Information Unavailable |
VS VS |
Critical Illness Silver Plan Not applicable — this is a fixed-benefit policy paying a lump sum, not an indemnity cover for treatment costs |
| Annual Health Checkup |
|---|
iHealth Plus Information Unavailable |
VS VS |
Critical Illness Silver Plan Not specified. A pre-policy medical check may be required based on age and sum insured; 50% of standard medical test charges is reimbursed if conducted at an empanelled diagnostic centre, subject to acceptance of the proposal and policy issuance |
| Pre-Hospitalisation |
|---|
iHealth Plus Information Unavailable |
VS VS |
Critical Illness Silver Plan Not applicable |
| Post-Hospitalisation |
|---|
iHealth Plus Information Unavailable |
VS VS |
Critical Illness Silver Plan Not applicable |
| Outpatient Department Cover (OPD Expense) |
|---|
iHealth Plus Information Unavailable |
VS VS |
Critical Illness Silver Plan Not applicable |
| Deductible Option |
|---|
iHealth Plus Information Unavailable |
VS VS |
Critical Illness Silver Plan Not applicable |
| Coverage Options |
|---|
iHealth Plus Information Unavailable |
VS VS |
Critical Illness Silver Plan Not specified — cover is written per insured person; no individual/floater structure is stated |
| Claim Settlement Ratio |
|---|
iHealth Plus Information Unavailable |
VS VS |
Critical Illness Silver Plan 97% approximately |
| Maternity Cover |
|---|
iHealth Plus Information Unavailable |
VS VS |
Critical Illness Silver Plan Not covered. |
Insurance Plans Comparison
Still Confused? Get Expert Advice
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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Pure advice, no unwanted calls, no unnecessary push
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Talk to experienced advisors at no cost, and make confident decisions
24/7 Claim Assistance
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
Smart, Tech-Enabled Experience
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
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
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
Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs
Senior Citizen Health Plan
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
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
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.
Explore Our Most Popular Plans
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iHealth Plus vs Activ Health Platinum Essential
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iHealth Plus vs Medicare Protect
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iHealth Plus vs Active Assure Diamond
iHealth Plus vs Activ One VIP
iHealth Plus vs Health Pulse Classic
iHealth Plus vs Advantage
iHealth Plus vs Mediclaim Insurance Policy
iHealth Plus vs Special Care Gold
iHealth Plus vs Activ One Max
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iHealth Plus vs Activ One Vytl
iHealth Plus vs Supreme
iHealth Plus vs Freedom
iHealth Plus vs Sarvah Pratham
iHealth Plus vs Joy Today
iHealth Plus vs Medi Classic
iHealth Plus vs Activate Booster Plan B
iHealth Plus vs Aspire Gold+
iHealth Plus vs Health Gain
iHealth Plus vs Aspire Platinum+
iHealth Plus vs Plus Complete
iHealth Plus vs Reassure 2.0 Platinum+
iHealth Plus vs Reassure 3.0 Elite
iHealth Plus vs EquiCover
iHealth Plus vs Enhance Super Top-up One
iHealth Plus vs Joy Tomorrow
iHealth Plus vs Reassure 3.0 Select
iHealth Plus vs Activ One VIP+
iHealth Plus vs Red Carpet Senior Citizens
iHealth Plus vs Super Surplus Gold
iHealth Plus vs Health SuperCharge
iHealth Plus vs Medicare Premier
iHealth Plus vs Family Health Optima
iHealth Plus vs Health Companion Variant 2022
iHealth Plus vs Health Companion Variant 3
iHealth Plus vs Plus Youth
iHealth Plus vs ProHealth Prime Advantage
iHealth Plus vs Critical Illness Silver Plan
iHealth Plus vs Health Premia Gold
iHealth Plus vs Health Premia Platinum
iHealth Plus vs Comprehensive
iHealth Plus vs HeartBeat Enhanced
iHealth Plus vs Reassure
iHealth Plus vs Health Recharge Super Top Up Plan
iHealth Plus vs myHealth Suraksha Platinum
iHealth Plus vs Supreme Value for Money
iHealth Plus vs Supreme Enhance Two
iHealth Plus vs Supreme Senior Super
iHealth Plus vs Supreme Enhance
iHealth Plus vs Reassure 2.0 Gold
iHealth Plus vs Active Fit Preferred
iHealth Plus vs LifeTime Health
iHealth Plus vs Medicare
iHealth Plus vs ProHealth Prime Active
iHealth Plus vs ProHealth Prime Senior Elite
iHealth Plus vs Advanced Top Up
iHealth Plus vs Multiplier Health
iHealth Plus vs Ultimate (Direct)
iHealth Plus vs Young Star
iHealth Plus vs Star Women Care Policy
iHealth Plus vs Family Plus
iHealth Plus vs Sarvah Param
iHealth Plus vs Optima Insurance
iHealth Plus vs Smart Super Health Assure
iHealth Plus vs Criti Shield Plus
iHealth Plus vs Health Care Supreme Ultimo
iHealth Plus vs Health Shield 360 Retail
iHealth Plus vs Super Star
iHealth Plus vs Reassure 3.0 Black
iHealth Plus vs Health Guard Platinum
iHealth Plus vs Health Guard Gold
iHealth Plus vs Elevate (Direct)
iHealth Plus vs Senior First Platinum
iHealth Plus vs Extra Care Plus Super Top-up
iHealth Plus vs Health Care Supreme Smart
iHealth Plus vs Medi Classic Gold
iHealth Plus vs Smart Health Pro
iHealth Plus vs Optima Super Secure
iHealth Plus vs Special Care
iHealth Plus vs Optima Secure Global
iHealth Plus vs Medicare LITE
iHealth Plus vs Health Shield 360
iHealth Plus vs NextGen
iHealth Plus vs SecureHealth
iHealth Plus vs Energy Silver With Copay
iHealth Plus vs Supreme (Direct)
iHealth Plus vs Plus
iHealth Plus vs Medicare Select
iHealth Plus vs myHealth Koti Suraksha
iHealth Plus vs Senior
iHealth Plus vs myHealth Suraksha Silver
iHealth Plus vs Cardiac Care Platinum
iHealth Plus vs Royal Sundaram Lifeline Elite
iHealth Plus vs HeartBeat Platinum
iHealth Plus vs Supreme Enhance One
iHealth Plus vs HeartBeat Gold
iHealth Plus vs Aspire Titanium+
iHealth Plus vs Reassure 3.0 Classic
iHealth Plus vs Senior Health Advantage
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iHealth Plus vs Elevate
iHealth Plus vs Heart
iHealth Plus vs Reassure 2.0 Titanium+
iHealth Plus vs Diabetes Safe Plan A
iHealth Plus vs Reassure 2.0 Bronze+
iHealth Plus vs Young Star Silver
iHealth Plus vs Enhance Super Top-up
iHealth Plus vs Joy
iHealth Plus vs Supreme Senior Health AdvantEdge
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Critical Illness Silver Plan vs Super Mediclaim
Critical Illness Silver Plan vs Critical Illness Platinum Plan
Critical Illness Silver Plan vs Health Recharge
Critical Illness Silver Plan vs Optima Secure Plus
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Critical Illness Silver Plan vs Optima Secure Global Plus
Critical Illness Silver Plan vs LifeTime Health Global
Critical Illness Silver Plan vs Women Care
Critical Illness Silver Plan vs Aspire Diamond+
Critical Illness Silver Plan vs Activate Booster Plan A
Critical Illness Silver Plan vs Health Super Saver Standard
Critical Illness Silver Plan vs Active Care Premier
Critical Illness Silver Plan vs ProHealth Accumulate
Critical Illness Silver Plan vs Supreme Shine
Critical Illness Silver Plan vs Health Cardiac Care Silver & Gold Plan
Critical Illness Silver Plan vs myHealth Suraksha Gold
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Critical Illness Silver Plan vs Young Star Gold
Critical Illness Silver Plan vs Assure
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Critical Illness Silver Plan vs Activ Health Platinum Essential
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Critical Illness Silver Plan vs Activate Booster Plan B
Critical Illness Silver Plan vs Aspire Gold+
Critical Illness Silver Plan vs Health Gain
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Critical Illness Silver Plan vs Reassure 3.0 Elite
Critical Illness Silver Plan vs EquiCover
Critical Illness Silver Plan vs Enhance Super Top-up One
Critical Illness Silver Plan vs Joy Tomorrow
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Critical Illness Silver Plan vs Red Carpet Senior Citizens
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Critical Illness Silver Plan vs Royal Sundaram Lifeline Elite
Critical Illness Silver Plan vs HeartBeat Platinum
Critical Illness Silver Plan vs Supreme Enhance One
Critical Illness Silver Plan vs HeartBeat Gold
Critical Illness Silver Plan vs Aspire Titanium+
Critical Illness Silver Plan vs iHealth Plus
Critical Illness Silver Plan vs Reassure 3.0 Classic
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Critical Illness Silver Plan vs Reassure 2.0 Bronze+
Critical Illness Silver Plan vs Young Star Silver
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