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Insurance Plans Comparison

Star Comprehensive vs ICICI Lombard iHealth

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

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Star

Comprehensive

Family health insurance with maternity, OPD, dental and eye cover, 100% restoration and up to 100% cumulative bonus.

What Makes It Special:

An all-in-one family health plan that combines hospitalisation cover with maternity and new-born cover, OPD consultations, dental and eye care, hospital cash, bariatric surgery and accidental death/disability cover in a single policy.

Best For:

  • People under 61 who want to avoid co-payment

  • Buyers looking for a fast-growing bonus (100% after one claim-free year for SI ₹7.5L+)

  • People who want OPD, dental and eye expenses included

  • Families wanting individual or floater cover up to ₹1 crore

  • Young couples planning a family (maternity and new-born cover)

VS
ICICI Lombard

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

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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

  • Things to Consider: Premiums vary by city zone.

  • Things to Consider: Modern treatments and bariatric surgery have sublimits.

  • Things to Consider: Maternity needs both spouses covered for 24 months, and delivery limits are modest at lower SI.

  • Things to Consider: 10% co-payment for people who join at age 61 or above.

  • Things to Consider: 36-month PED waiting period, unless you buy the optional PED buy-back (reduces it to 12 months).

  • Reasons to Consider: 60 days of pre- and 90 days of post-hospitalisation cover, plus air ambulance and home care.

  • Reasons to Consider: Cumulative bonus up to 100% of SI, plus 100% restoration once a year (usable for the same illness).

  • Reasons to Consider: OPD consultations and dental/eye treatment covered outside the Sum Insured.

  • Reasons to Consider: Delivery (up to 2) and new-born cover after 24 months.

  • Reasons to Consider: Private single AC room with no fixed room rent cap.

  • 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

Comprehensive
Comprehensive

Health Insurance Plan

Brochure

VS
iHealth
iHealth

Health Insurance Plan

Brochure

Room Rent

Comprehensive

Information Unavailable

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

Comprehensive

Coverage includes robotic surgeries, stem cell therapy, organ transplants, modern cancer treatments, bariatric surgery, and advanced cardiac procedures as per policy terms.

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

Comprehensive

Covered up to Sum Insured; no separate ICU cap.

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

Comprehensive

This policy is subject to co-payment of 10% of each and every claim amount for fresh as well as renewal policies for insured persons whose age at the time of entry is 61 years and above

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

Comprehensive

Information Unavailable

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

Comprehensive

  1. Initial Waiting Period: A 30-day waiting period applies from the policy's inception, during which claims are not admissible, except for those arising from accidents. 
     
  2. Pre-existing Disease Waiting Period: For the Silver plan, pre-existing diseases are covered after 48 months of continuous coverage. For Gold and Platinum plans, this period is reduced to 24 months.
     
  3. Specific Disease/Procedure Waiting Period: For individuals above 45 years of age, certain listed illnesses and procedures are covered after a 24-month waiting period from the policy's inception.
VS

iHealth

Information Unavailable

Cashless Healthcare Providers

Comprehensive

Access to over 14,000+  cashless healthcare providers for seamless treatment.

VS

iHealth

10,896+ hospitals across india 

Restoration Benefit

Comprehensive

Information Unavailable

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

Comprehensive

covered by the policy.

VS

iHealth

Covered under the policy. 

Cumulative Bonus

Comprehensive

SI ₹5L: 50% of Basic SI per claim-free year, max 100%. SI ₹7.5L and above: 100% of Basic SI after one claim-free year, max 100%.

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

Comprehensive

AYUSH treatments are covered up to the sum insured.

VS

iHealth

Covered under this policy

Consumable Cover

Comprehensive

Not mentioned (no separate consumables cover in the policy documents).

VS

iHealth

Kindly refer to the policy wording.

Initial Waiting Period

Comprehensive

30 days (accidents excepted)

VS

iHealth

30 days from inception. Accident-related hospitalisation is exempt.

Specific Waiting Period

Comprehensive

24 months for listed diseases/procedures; 36 months for Bariatric Surgery; 24 months for Delivery and New Born cover

VS

iHealth

2 years for listed illnesses and procedures. Maternity has a 3-year waiting period where opted.

PED Waiting Period

Comprehensive

Information Unavailable

VS

iHealth

2 years for declared and accepted pre-existing diseases

Modern Treatment

Comprehensive

  1. Covered up to treatment-wise sublimits that vary by Sum Insured, e.g. robotic surgery ₹2.5L (SI ₹5L) to ₹7.5L (SI ₹1 Cr); immunotherapy ₹2.5L to ₹10L; bronchial thermoplasty, prostate vaporisation and IONM up to Sum Insured. Part of Sum Insured.
VS

iHealth

Kindly refer to the policy wording

Annual Health Checkup

Comprehensive

Information Unavailable

VS

iHealth

Free health check-up at designated centres. Floater policies receive a maximum of 2 coupons per year.

Pre-Hospitalisation

Comprehensive

Information Unavailable

VS

iHealth

Up to 30 days before hospitalisation, up to the sum insured

Post-Hospitalisation

Comprehensive

Information Unavailable

VS

iHealth

Up to 60 days after discharge, up to the sum insured

Outpatient Department Cover (OPD Expense)

Comprehensive

Information Unavailable

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

Comprehensive

Information Unavailable

VS

iHealth

Kindly consult the policy wording

Coverage Options

Comprehensive

Information Unavailable

VS

iHealth

Individual and floater cover. The base iHealth tier is available at ₹3, ₹4, and ₹5 lakh sum insured.

Claim Settlement Ratio

Comprehensive

Information Unavailable

VS

iHealth

FY 24-25: ~84%

Maternity Cover

Comprehensive

Information Unavailable

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.

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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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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

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