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Insurance Plans Comparison

ICICI Lombard Health AdvantEdge vs Star Comprehensive

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

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ICICI Lombard

Health AdvantEdge

Stay in any room category and restore 100% of the base sum insured even after only part of it is used, including for the same illness, along with a 20% cumulative bonus up to 100%.

What Makes It Special:

ICICI Lombard Health AdvantEdge is a comprehensive health insurance policy available through individual and family floater configurations. It covers eligible hospitalisation, daycare procedures, domiciliary hospitalisation, pre- and post-hospitalisation expenses, ambulance services and AYUSH treatment. The plan also provides wellness and preventive health check-up benefits, with optional features such as maternity...

Best For:

  • Buyers who want to evaluate optional maternity, teleconsultation or non-medical expense protection.

  • Customers interested in preventive health check-ups and wellness services.

  • Buyers who value restoration and loyalty benefits, subject to policy conditions.

  • Families who want to share a sum insured through a family floater policy.

  • Individuals looking for comprehensive health insurance with multiple sum insured options.

VS
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)

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 Health AdvantEdge

  • Confirm whether your preferred hospitals are in the current cashless network and verify the exact terms shown in your policy schedule.

  • Compare the additional premium and limits for optional maternity, Claim Protector and other add-on benefits before selecting them.

  • Check waiting periods for pre-existing diseases and listed conditions before relying on the policy for planned treatment.

  • Review the room-rent option carefully because selecting a room above the applicable entitlement may affect the claim settlement.

  • Select the Prime, Royal or Apex tier based on your required sum insured and the options currently offered.

Star Comprehensive

  • 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.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health AdvantEdge
Health AdvantEdge

Health Insurance Plan

Brochure

Policy Wording

VS
Comprehensive
Comprehensive

Health Insurance Plan

Brochure

Room Rent

Health AdvantEdge

Normal: Any category room; Up to Sum Insured

ICU: Up to Sum Insured

VS

Comprehensive

Information Unavailable

Advanced Treatments

Health AdvantEdge

Home care treatment, teleconsultations, domestic air ambulance, bariatric surgery, worldwide cover

VS

Comprehensive

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

ICU Charges

Health AdvantEdge

Eligible ICU expenses are covered within the applicable sum insured and policy limits.

VS

Comprehensive

Covered up to Sum Insured; no separate ICU cap.

Co-payment

Health AdvantEdge

0% co-payment

VS

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

Disease-wise sublimits

Health AdvantEdge



VS

Comprehensive

Information Unavailable

Waiting Period

Health AdvantEdge

Information Unavailable

VS

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.
Cashless Healthcare Providers

Health AdvantEdge

Cashless treatment available at network hospitals

VS

Comprehensive

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

Restoration Benefit

Health AdvantEdge

Restore Benefit can restore up to 100% of the sum insured once in a policy year under the cited policy version, subject to the applicable claim conditions.

VS

Comprehensive

Information Unavailable

Daycare Treatment

Health AdvantEdge

All daycare procedures covered

VS

Comprehensive

covered by the policy.

Cumulative Bonus

Health AdvantEdge

Guaranteed Cumulative Bonus of 20% of the sum insured for an eligible claim-free year under the cited policy version; accrued bonus is not reduced by a claim, subject to policy terms.

VS

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%.

AYUSH Treatment

Health AdvantEdge

Covered up to Sum Insured

VS

Comprehensive

AYUSH treatments are covered up to the sum insured.

Consumable Cover

Health AdvantEdge

Claim Protector is available as an optional cover for eligible non-medical expenses, subject to the selected option and policy terms.

VS

Comprehensive

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

Initial Waiting Period

Health AdvantEdge

30 days for illnesses, except eligible accident-related hospitalisation.

VS

Comprehensive

30 days (accidents excepted)

Specific Waiting Period

Health AdvantEdge

Generally 24 months for listed diseases and procedures, subject to the applicable wording.

VS

Comprehensive

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

PED Waiting Period

Health AdvantEdge

Generally 24 months for declared and accepted pre-existing diseases under the cited policy version; confirm the applicable plan and policy schedule.

VS

Comprehensive

Information Unavailable

Modern Treatment

Health AdvantEdge

Listed modern treatments are covered subject to the applicable plan limits and policy wording.

VS

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.
Annual Health Checkup

Health AdvantEdge

Preventive health check-up coupons are available under the cited policy version for eligible insured adults; package and usage conditions apply.

VS

Comprehensive

Information Unavailable

Pre-Hospitalisation

Health AdvantEdge

Covered for the period specified in the applicable policy wording; verify the exact duration for the current UIN.

VS

Comprehensive

Information Unavailable

Post-Hospitalisation

Health AdvantEdge

Covered for the period specified in the applicable policy wording; confirm the exact limit for the current UIN.

VS

Comprehensive

Information Unavailable

Outpatient Department Cover (OPD Expense)

Health AdvantEdge

Not a blanket standard OPD reimbursement benefit. Optional BeFit/OPD-related cover may be available with eligible configurations.

VS

Comprehensive

Information Unavailable

Deductible Option

Health AdvantEdge

A voluntary deductible may be available under selected configurations; confirm the amount and terms in the policy schedule.

VS

Comprehensive

Information Unavailable

Coverage Options

Health AdvantEdge

Prime, Royal and Apex plan tiers, with individual and family floater options and optional benefits.

VS

Comprehensive

Information Unavailable

Claim Settlement Ratio

Health AdvantEdge

FY 24-25: ~84%

VS

Comprehensive

Information Unavailable

Maternity Cover

Health AdvantEdge

Optional maternity benefit may cover eligible maternity expenses up to 10% of annual sum insured, capped at ₹1 lakh; newborn expenses may be covered over and above this limit, subject to policy terms.

VS

Comprehensive

Information Unavailable

Insurance Plans Comparison

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Why Choose Our Expert Consultation?

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Free Expert Consultation

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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.

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