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Insurance Plans Comparison

ICICI Lombard iHealth Plus vs Liberty Health Connect Elite

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

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ICICI Lombard

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 a discontinued ICICI Lombard Complete Health Insurance variant. It provides hospitalisation cover, outpatient treatment, maternity cover after 3 years, and an annual free health check-up, with no co-payment and no room rent restriction.

Best For:

  • Buyers comparing it with ICICI Lombard’s current Complete Health Insurance plans

  • Policyholders reviewing an existing iHealth Plus cover before renewal

  • Families who want outpatient treatment and an annual health check-up

  • Buyers who want no room rent restriction and no co-payment

  • Families planning a pregnancy within three years, if the policy was bought earlier

VS
Liberty

Health Connect Elite

Maximum Coverage at Minimum Premium

What Makes It Special:

Secure Health Connect is a comprehensive health insurance plan offering hospitalisation coverage, cumulative bonus benefits, reload of Sum Insured, cashless treatment and flexible plan options.

Best For:

  • Policyholders looking for lifelong renewal options.

  • Families wanting cashless treatment across network hospitals.

  • Customers looking for cumulative bonus benefits.

  • Individuals seeking flexible Sum Insured options.

  • Families looking for comprehensive health insurance coverage.

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

ICICI Lombard iHealth Plus

  • Kindly consult the insurer for sublimits and the cumulative bonus before deciding.

  • Confirm the sum insured range, since sources differ on the upper limit.

  • The PED waiting period is 2 or 4 years depending on the sum insured, so check the one you chose.

  • Maternity cover needs a 3-year wait, so plan ahead if you intend to start a family.

  • Because the plan is discontinued, compare current ICICI Lombard plans before deciding.

Liberty Health Connect Elite

  • Check the plan-specific room rent, co-payment and disease-wise sub-limits before buying.

  • Check the applicable waiting periods for pre-existing diseases and specified treatments.

  • Consider it if you want cumulative bonus benefits for claim-free years.

  • Consider it if you want a reload of Sum Insured from the first claim.

  • Consider the plan if you want flexible 1, 2 or 3-year policy terms.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

iHealth Plus
iHealth Plus

Health Insurance Plan

Brochure

Policy Wording

VS
Health Connect Elite
Health Connect Elite

Health Insurance Plan

Brochure

Policy Wording

Room Rent

iHealth Plus

Normal Room: No capping — covered up to Sum Insured

ICU Charges: No capping — covered up to Sum Insured

VS

Health Connect Elite

Subject to selected plan limits

Advanced Treatments

iHealth Plus

Day Care Procedures

Organ Transplant Related Donor Expenses (Optional Cover)

Critical Illness Cover (Optional Cover)

AYUSH Hospitalisation

VS

Health Connect Elite

Information Unavailable

ICU Charges

iHealth Plus

Information Unavailable

VS

Health Connect Elite

Covered as per selected plan

Co-payment

iHealth Plus

No Co-pay — 100% of admissible claims covered by the insurer

VS

Health Connect Elite

Applicable as per selected plan

Disease-wise sublimits

iHealth Plus

Information Unavailable

VS

Health Connect Elite

Applicable as per selected plan

Cashless Healthcare Providers

iHealth Plus

Cashless treatment available at 6500+ network hospitals

VS

Health Connect Elite

6,100+ network hospitals available

Restoration Benefit

iHealth Plus

Information Unavailable

VS

Health Connect Elite

Reload available from first claim

Daycare Treatment

iHealth Plus

Covered

VS

Health Connect Elite

405 daycare procedures covered

Cumulative Bonus

iHealth Plus

Information Unavailable

VS

Health Connect Elite

Up to 150% of Sum Insured

AYUSH Treatment

iHealth Plus

Covered

VS

Health Connect Elite

Not specified in the brochure

Consumable Cover

iHealth Plus

Information Unavailable

VS

Health Connect Elite

Not specified in the brochure

Initial Waiting Period

iHealth Plus

30 days

VS

Health Connect Elite

30 days from policy commencement

Specific Waiting Period

iHealth Plus

Information Unavailable

VS

Health Connect Elite

2 years or 3 years

PED Waiting Period

iHealth Plus

2 years or 4 years, depending on sum insured

VS

Health Connect Elite

3 years for pre-existing diseases

Modern Treatment

iHealth Plus

Information Unavailable

VS

Health Connect Elite

Covered as per selected plan

Annual Health Checkup

iHealth Plus

Free annual health check-up

VS

Health Connect Elite

Available as per plan conditions

Pre-Hospitalisation

iHealth Plus

Information Unavailable

VS

Health Connect Elite

Up to 30 to 45 days

Post-Hospitalisation

iHealth Plus

Information Unavailable

VS

Health Connect Elite

Up to 45 to 60 days

Outpatient Department Cover (OPD Expense)

iHealth Plus

Outpatient treatment covered. Kindly consult for limits.

VS

Health Connect Elite

Not covered under the policy

Deductible Option

iHealth Plus

Information Unavailable

VS

Health Connect Elite

Not specified in the brochure

Coverage Options

iHealth Plus

Individual and floater

VS

Health Connect Elite

₹2 Lakh to ₹15 Lakh

Claim Settlement Ratio

iHealth Plus

FY 24-25: ~84%

VS

Health Connect Elite

Not specified in the brochure

Maternity Cover

iHealth Plus

Covered after a 3-year waiting period

VS

Health Connect Elite

Not covered except ectopic pregnancy

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.

Why Choose Our Expert Consultation?

End-to-End Support

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From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

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

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)

Having questions? We've got answers. Explore our FAQs to find the information you need.

1-5 of 10 FAQs

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