Insurance Plans Comparison
ManipalCigna ProHealth Accumulate vs ICICI Lombard iHealth
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreProHealth Accumulate
Carry forward a health maintenance benefit for outpatient and inpatient care, add 5% to any unused balance, and put up to half of it toward renewal premium, plus a guaranteed 5% cumulative bonus up to 200%.
What Makes It Special:
ProHealth 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
iHealth
Reset up to 100% of the sum insured once in a policy year for a later unrelated illness, and cover inpatient hospitalisation, AYUSH treatment, specified day care procedures and a wellness programme.
What Makes It Special:
iHealth is a discontinued ICICI Lombard Complete Health Insurance tier, offered on an individual or floater basis. It covers in-patient hospitalisation, pre- and post-hospitalisation expenses, day-care procedures, and in-patient AYUSH treatment, with a 2-year waiting period for pre-existing diseases and a Reset Benefit for the sum insured.
Best For:
Existing policyholders reviewing their current iHealth cover before renewal, since this plan is no longer sold
Individuals who want coverage for hospitalisation and related pre- and post-hospitalisation costs
Policyholders who value a cumulative bonus that increases cover over claim-free years
Buyers who want a restoration feature to top up the sum insured after a large claim in the same year
Families who want a floater policy for parents, children, and spouse under one sum insured
Insurance Plans Comparison
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Quick Decision Guide
Not available
Check the sublimits for listed surgeries, such as cataract at ₹20,000 per eye, if you are considering the lower sum insured options.
Maternity cover is not part of the base iHealth tier, so choose a higher tier if you need it and can wait 3 years.
Reset Benefit is limited to once per policy year and cannot be used for the same illness already claimed, so do not count it as unlimited cover.
Note the 2-year waiting period for pre-existing diseases and the listed illnesses, and plan your cover accordingly if you have an existing condition.
Because the plan is discontinued, check whether an ICICI Lombard successor such as Health Shield or Health Shield Plus suits your needs before buying.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() ProHealth Accumulate Health Insurance Plan VS VS |
![]() iHealth Health Insurance Plan |
| Room Rent |
|---|
ProHealth Accumulate Normal: Single Private AC Room ICU: Up to Sum Insured |
VS VS |
iHealth Including in-patient hospitalization expenses such as room rent and ICU charges. Notably, there are no sub-limits on room rent or ICU charges. |
| Advanced Treatments |
|---|
ProHealth Accumulate Sum Insured below ₹5 Lakh: Covered up to 50% of Sum Insured Sum Insured ₹5 Lakh and above: Covered up to Sum Insured |
VS VS |
iHealth ICICI iHealth covers advanced medical treatments, ensuring access to modern healthcare. It includes robotic surgeries, stem cell therapy (for approved conditions), targeted cancer therapies, and other cutting-edge procedures. |
| ICU Charges |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
iHealth Covered under the in-patient hospitalisation cover up to the sum insured, for a hospitalisation of at least 24 consecutive hours. Kindly consult the policy wording for any cap. |
| Co-payment |
|---|
ProHealth Accumulate Not mentioned |
VS VS |
iHealth Does not have a mandatory co-payment for most policyholders. However, for senior citizens or specific policy variants, a co-payment clause may apply, requiring the insured to bear a percentage of the claim amount. |
| Disease-wise sublimits |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
iHealth Sublimits apply to listed surgeries in the lower sum insured tiers. For example, cataract is limited to ₹20,000 per eye. Kindly consult the policy wording for the full schedule. |
| Waiting Period |
|---|
ProHealth Accumulate Initial Waiting Period: 30 Days Pre-existing Disease Waiting Period: Sum Insured up to ₹5 Lakh: 36 Months Sum Insured ₹7.5 Lakh and above: 24 Months Specific Disease/Procedure Waiting Period: 24 Months Bariatric Surgery Waiting Period: 36 Months Maternity & Infertility Waiting Period: 36 Months |
VS VS |
iHealth Information Unavailable |
| Cashless Healthcare Providers |
|---|
ProHealth Accumulate Not mentioned |
VS VS |
iHealth 10,896+ hospitals across india |
| Restoration Benefit |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
iHealth Reset Benefit: resets up to 100% of the sum insured once per policy year. Reset is not triggered by the first claim. The reset amount can be used only for future claims in the same policy year that are unrelated to an illness already claimed. Unused reset is not carried forward. |
| Daycare Treatment |
|---|
ProHealth Accumulate Covered up to Sum Insured |
VS VS |
iHealth Covered under the policy. |
| Cumulative Bonus |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
iHealth Additional Sum Insured of 10% of the annual sum insured for each claim-free year, up to a maximum of 50%. A claim reduces the accumulated amount by 10% of the annual sum insured in the following year. |
| AYUSH Treatment |
|---|
ProHealth Accumulate Covered up to Sum Insured |
VS VS |
iHealth Covered under this policy |
| Consumable Cover |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
iHealth Kindly refer to the policy wording. |
| Initial Waiting Period |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
iHealth 30 days from inception. Accident-related hospitalisation is exempt. |
| Specific Waiting Period |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
iHealth 2 years for listed illnesses and procedures. Maternity has a 3-year waiting period where opted. |
| PED Waiting Period |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
iHealth 2 years for declared and accepted pre-existing diseases |
| Modern Treatment |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
iHealth Kindly refer to the policy wording |
| Annual Health Checkup |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
iHealth Free health check-up at designated centres. Floater policies receive a maximum of 2 coupons per year. |
| Pre-Hospitalisation |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
iHealth Up to 30 days before hospitalisation, up to the sum insured |
| Post-Hospitalisation |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
iHealth Up to 60 days after discharge, up to the sum insured |
| Outpatient Department Cover (OPD Expense) |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
iHealth Outpatient Treatment Cover is available as a benefit in the plan tiers that include it. Reimbursement is subject to a limit of ₹5,000 on a floater basis. Kindly consult the plan details for eligibility. |
| Deductible Option |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
iHealth Kindly consult the policy wording |
| Coverage Options |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
iHealth Individual and floater cover. The base iHealth tier is available at ₹3, ₹4, and ₹5 lakh sum insured. |
| Claim Settlement Ratio |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
iHealth FY 24-25: ~84% |
| Maternity Cover |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
iHealth Not included in the base iHealth tier. Maternity cover with a 3-year waiting period is available in higher plan tiers only when opted for. It covers delivery and caesarean section (₹15,000 normal, ₹25,000 caesarean), pre- and post-natal expenses (₹2,000 each), and newborn cover (₹10,000), limited to two deliveries during the policy period. |
Insurance Plans Comparison
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