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Insurance Plans Comparison

Star Special Care Gold vs ICICI Lombard Health Elite

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

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Star

Special Care Gold

Cover hospital bills for a listed disability or HIV with a 20% co-pay, and if the CD4 count falls below 150 after 90 days pay a once-in-a-lifetime lump sum of the sum insured or the remaining balance.

What Makes It Special:

Special Care Gold is designed for persons with disabilities and individuals with HIV/AIDS. The product provides individual indemnity and benefit coverage, with defined eligibility requirements, hospitalisation cover, daycare treatment, AYUSH treatment, modern treatment coverage and a 20% co-payment that can be waived through an optional benefit.

Best For:

  • Customers who need defined coverage with optional co-payment waiver

  • Customers looking for AYUSH hospitalisation coverage

  • Families seeking specialised health insurance for eligible members

  • Eligible individuals living with HIV/AIDS

  • Eligible persons with disabilities

VS
ICICI Lombard

Health Elite

Include maternity after 3 years and outpatient treatment, pay hospital daily cash for a stay of at least 3 days, and add a 10% cumulative bonus each claim-free year, up to 50% of the sum insured.

What Makes It Special:

ICICI Lombard Health Elite is a comprehensive health insurance option with benefits that may include in-patient treatment, daycare procedures, pre- and post-hospitalisation expenses, outpatient treatment and maternity cover, depending on the applicable policy version and selected configuration.

Best For:

  • Buyers comparing sum insured options, reset benefits, waiting periods and policy-specific restrictions before choosing a plan.

  • Families evaluating maternity and newborn-related benefits, subject to eligibility and waiting periods.

  • Individuals who want to compare available outpatient treatment benefits and their applicable limits.

  • Buyers looking for a policy with additional healthcare benefits beyond basic hospitalisation cover.

  • Individuals seeking health insurance for eligible hospitalisation and daycare expenses.

Insurance Plans Comparison

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Quick Decision Guide

Star Special Care Gold

  • No pre-policy medical test is required, subject to submission requirements.

  • A co-payment waiver is available for additional premium.

  • AYUSH inpatient treatment is covered up to 100% of Sum Insured.

  • Sum Insured options of ₹4 Lakh and ₹5 Lakh are available.

  • The product is specifically structured for disability and HIV/AIDS-related eligibility.

ICICI Lombard Health Elite

  • Match the policy UIN and schedule to the exact Health Elite version being offered, because benefits may differ between versions.

  • Confirm whether outpatient treatment, maternity and newborn benefits are included in your chosen configuration and check their limits.

  • Review waiting periods for pre-existing diseases, specified treatments and maternity benefits before relying on the policy.

  • Check room eligibility, hospitalisation limits and exclusions to understand the expenses the policy may leave you paying.

  • Choose a sum insured that reflects potential hospitalisation expenses and the number of people covered.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Special Care Gold
Special Care Gold

Health Insurance Plan

Brochure

Policy Wording

VS
Health Elite
Health Elite

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Special Care Gold

Up to 1% of Sum Insured per day

VS

Health Elite

Information Unavailable

ICU Charges

Special Care Gold

Up to 2% of Sum Insured per day

VS

Health Elite

Covered under eligible in-patient hospitalisation, subject to the applicable sum insured and policy conditions.

Advanced Treatments

Special Care Gold

Information Unavailable

VS

Health Elite

  1. Stem Cell Therapy
  2. Robotic Surgeries
  3. Oral Chemotherapy
  4. Deep Brain Stimulation
  5. Bronchial Thermoplasty
  6. Intra Operative Neuro Monitoring (IONM)
Disease-wise sublimits

Special Care Gold

Specified treatment limits apply


VS

Health Elite

Specific limits depend on the applicable policy wording, sum insured and benefit configuration. A complete variant-specific list has not been verified.

Co-payment

Special Care Gold

20% on all claims; waiver available for additional premium


VS

Health Elite

Policyholders can opt for a co-payment of 10% or 20%, sharing a fixed percentage of the claim amount, which can help reduce premium costs.

Restoration Benefit

Special Care Gold

Not specified

VS

Health Elite

Published Health Elite materials list an unlimited reset benefit. The precise trigger, eligible claims and conditions must be confirmed against the applicable policy wording.

Cashless Healthcare Providers

Special Care Gold

Cashless treatment available at network hospitals


VS

Health Elite

Access to over 6,700 network hospitals and clinics for cashless treatments, ensuring convenient and hassle-free medical care.

Cumulative Bonus

Special Care Gold

Not specified

VS

Health Elite

Published Health Elite materials list Additional Sum Insured and a Super No Claim Bonus option. The applicable benefit percentage and conditions are not verified for this variant.

Daycare Treatment

Special Care Gold

All daycare procedures covered

VS

Health Elite

Covers medical procedures requiring less than 24-hour hospitalization, such as cataract surgery and chemotherapy, accommodating treatments that don't necessitate extended hospital stays.

Consumable Cover

Special Care Gold

Not specified

VS

Health Elite

Published Health Elite materials list Additional Sum Insured and a Super No Claim Bonus option. The applicable benefit percentage and conditions are not verified for this variant.

AYUSH Treatment

Special Care Gold

Covered up to 100% of Sum Insured

VS

Health Elite

Expenses for alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered when availed at government-recognized institutions, promoting holistic healthcare options.

Initial Waiting Period

Special Care Gold

30 Days for indemnity basis; 90 Days for HIV/AIDS benefit basis


VS

Health Elite

The insurer's general health insurance information states 30 days for illness-related hospitalisation, except accidents. Confirm the exact Health Elite policy terms.

Specific Waiting Period

Special Care Gold

24 Months

VS

Health Elite

The exact waiting period for specified diseases and procedures is not verified for this variant.

PED Waiting Period

Special Care Gold

36 Months for PEDs other than specified disability and HIV/AIDS; 24 Months for pre-existing disability


VS

Health Elite

The exact waiting period for specified diseases and procedures is not verified for this variant.

Modern Treatment

Special Care Gold

Covered up to 50% of Sum Insured for listed modern treatments

VS

Health Elite

Listed as a covered category in the older Complete Health Insurance policy information, subject to the applicable policy terms and limits.

Annual Health Checkup

Special Care Gold

Not specified


VS

Health Elite

Health check-up is listed in published Health Elite materials. Eligibility, frequency and monetary limits are not verified for this exact variant.

Pre-Hospitalisation

Special Care Gold

Up to 30 Days

VS

Health Elite

Up to 30 days according to the published Health Elite product comparison, subject to policy terms.

Post-Hospitalisation

Special Care Gold

Up to 60 Days

VS

Health Elite

Up to 60 days according to the published Health Elite product comparison, subject to policy terms.

Outpatient Department Cover (OPD Expense)

Special Care Gold

Not a standard OPD benefit


VS

Health Elite

Outpatient Treatment Cover is listed in published Health Elite materials. The limit depends on the applicable sum insured and policy configuration.

Deductible Option

Special Care Gold

Not specified

VS

Health Elite

A voluntary deductible may be available under applicable ICICI Lombard health products, but its availability for this Health Elite variant is not verified.

Coverage Options

Special Care Gold

₹4 Lakh and ₹5 Lakh, individual basis


VS

Health Elite

Information Unavailable

Claim Settlement Ratio

Special Care Gold

Not specified


VS

Health Elite

FY 24-25: ~84%

Maternity Cover

Special Care Gold

Not specified as a standard maternity benefit

VS

Health Elite

Published materials list multiple sum insured options, including ₹5 lakh, ₹7 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh, ₹25 lakh and ₹50 lakh. Availability varies by policy version.

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

Expert-Led Policy Review

  • 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

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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