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Insurance Plans Comparison

ICICI Lombard Complete Health Insurance Health Shield Plus Plan vs Star Comprehensive

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ICICI Lombard

Complete Health Insurance Health Shield Plus Plan

Comprehensive hospitalisation cover with restoration and loyalty benefits

What Makes It Special:

Health Shield Plus is a health insurance variant under ICICI Lombard Complete Health Insurance. It offers inpatient hospitalisation, daycare treatment, AYUSH hospitalisation, listed modern treatments and an Unlimited Reset Benefit. The plan also provides a Loyalty Bonus and extended pre- and post-hospitalisation coverage, subject to the applicable terms, waiting periods,...

Best For:

  • Buyers who prefer a policy with a Loyalty Bonus that can accumulate over eligible renewals.

  • People who want extended coverage for eligible medical expenses before and after hospitalisation.

  • Buyers who value restoration of cover after eligible claims during a policy year.

  • Families looking for a shared sum insured through a family floater policy.

  • Individuals seeking 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

  • If you need maternity or routine OPD benefits, compare other variants because these are not listed as standard benefits under Health Shield Plus.

  • Confirm whether the optional co-payment is selected, as it can affect the amount payable by you during a claim.

  • Check the 24-month waiting periods for pre-existing diseases and specified conditions before purchasing.

  • Review the room category applicable to your selected sum insured to understand potential out-of-pocket expenses.

  • Choose the sum insured based on your likely hospitalisation costs, financial exposure and number of insured members.

  • 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

Complete Health Insurance Health Shield Plus Plan
Complete Health Insurance Health Shield Plus Plan

Health Insurance Plan

Brochure

VS
Comprehensive
Comprehensive

Health Insurance Plan

Brochure

Room Rent

Complete Health Insurance Health Shield Plus Plan

Normal: the plan offers coverage for single private rooms for hospitalization, while ICU expenses are covered up to the sum insured without sub-limits.

VS

Comprehensive

Information Unavailable

Advanced Treatments

Complete Health Insurance Health Shield Plus Plan

ICICI Health Shield Plus 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.

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

Complete Health Insurance Health Shield Plus Plan

Covered as per eligible hospitalisation expenses and policy limits.

VS

Comprehensive

Covered up to Sum Insured; no separate ICU cap.

Disease-wise sublimits

Complete Health Insurance Health Shield Plus Plan

Cataract treatment is limited to 10% of the sum insured, up to ₹1 lakh per eye. Other applicable limits and exclusions are governed by the policy wording.

VS

Comprehensive

Information Unavailable

Co-payment

Complete Health Insurance Health Shield Plus Plan

Health Shield Plus may include a copayment clause, requiring policyholders to pay a fixed percentage of the claim amount, especially for senior citizens or specific treatments. The exact copayment percentage varies based on policy terms.

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

Waiting Period

Complete Health Insurance Health Shield Plus Plan

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.
Restoration Benefit

Complete Health Insurance Health Shield Plus Plan

Unlimited Reset Benefit for different illnesses and once for the same illness, subject to policy conditions.

VS

Comprehensive

Information Unavailable

Cashless Healthcare Providers

Complete Health Insurance Health Shield Plus Plan

10,896+ hospitals across India.

VS

Comprehensive

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

Daycare Treatment

Complete Health Insurance Health Shield Plus Plan

Covered under the policy. 

VS

Comprehensive

covered by the policy.

Cumulative Bonus

Complete Health Insurance Health Shield Plus Plan

Loyalty Bonus of 20% per year, up to 100% of the sum insured, subject to conditions.

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

Complete Health Insurance Health Shield Plus Plan

.

VS

Comprehensive

AYUSH treatments are covered up to the sum insured.

Consumable Cover

Complete Health Insurance Health Shield Plus Plan

Not included as a standard benefit; Claim Protector is listed as an optional cover.

VS

Comprehensive

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

Initial Waiting Period

Complete Health Insurance Health Shield Plus Plan

30 days for illnesses; accident-related claims are treated as per policy terms.

VS

Comprehensive

30 days (accidents excepted)

Specific Waiting Period

Complete Health Insurance Health Shield Plus Plan

24 months for specified diseases and procedures.

VS

Comprehensive

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

PED Waiting Period

Complete Health Insurance Health Shield Plus Plan

24 months for declared and accepted pre-existing diseases, subject to policy conditions.

VS

Comprehensive

Information Unavailable

Modern Treatment

Complete Health Insurance Health Shield Plus Plan

Covered up to the annual sum insured for listed technological advancements and treatments, subject to policy terms.

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

Complete Health Insurance Health Shield Plus Plan

Preventive health check-up coupons each policy year; limits vary by sum insured.

VS

Comprehensive

Information Unavailable

Pre-Hospitalisation

Complete Health Insurance Health Shield Plus Plan

60 days.

VS

Comprehensive

Information Unavailable

Post-Hospitalisation

Complete Health Insurance Health Shield Plus Plan

180 days.

VS

Comprehensive

Information Unavailable

Outpatient Department Cover (OPD Expense)

Complete Health Insurance Health Shield Plus Plan

Not included as a standard benefit; the listed OPD treatment cover is not available under this variant.

VS

Comprehensive

Information Unavailable

Deductible Option

Complete Health Insurance Health Shield Plus Plan

Not included as a standard benefit; the listed OPD treatment cover is not available under this variant.

VS

Comprehensive

Information Unavailable

Coverage Options

Complete Health Insurance Health Shield Plus Plan

Individual and family floater options, with sum insured choices from ₹5 lakh to ₹1 crore.

VS

Comprehensive

Information Unavailable

Claim Settlement Ratio

Complete Health Insurance Health Shield Plus Plan

FY 24-25: 83.65%

VS

Comprehensive

Information Unavailable

Maternity Cover

Complete Health Insurance Health Shield Plus Plan

Not available under Health Shield Plus as per the reviewed product comparison.

VS

Comprehensive

Information Unavailable

Insurance Plans Comparison

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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

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

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  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

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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

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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)

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