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Insurance Plans Comparison

Star Health Gain vs ICICI Lombard Golden Shield

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

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Star

Health Gain

Cover inpatient hospital bills and outpatient treatment at networked facilities in India, and carry unused outpatient benefit into the next policy year on renewal, for that one following year only.

What Makes It Special:

Inpatient Hospitalisation and Outpatient Medical Expenses

Best For:

  • Customers looking for daycare and eligible AYUSH treatment coverage.

  • Customers who use outpatient services at networked facilities.

  • Customers seeking flexible Sum Insured options.

  • Families looking for Individual or Family Floater coverage.

  • Individuals seeking inpatient and outpatient health insurance benefits.

VS
ICICI Lombard

Golden Shield

Cover hospital care for seniors, with a twin-sharing room below ₹10 lakh and a single private AC room from ₹10 lakh, a 50% co-pay on every admissible claim, and 60 days before admission plus 180 days after discharge.

What Makes It Special:

ICICI Lombard Golden Shield is designed for senior citizens and offers hospitalisation cover through individual and family floater options. Benefits include inpatient treatment, daycare procedures, AYUSH hospitalisation, pre- and post-hospitalisation expenses, domiciliary treatment and a Reset Benefit. The policy also offers a Loyalty Bonus and optional features such as Claim...

Best For:

  • Buyers seeking additional features such as Claim Protector or Care Management Plus, subject to availability and eligibility.

  • Customers who want to evaluate options for reducing the policy's standard co-payment.

  • Buyers who want a reset feature for eligible subsequent hospitalisation claims.

  • Older couples looking for a shared family floater or individual cover options.

  • Senior citizens seeking health insurance for eligible hospitalisation expenses.

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

Star Health Gain

  • Check the treatment-specific sublimits.

  • Review the pre- and post-hospitalisation benefit periods.

  • Check the selected OPD benefit limit.

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

  • Review the co-payment applicable to entry age 61 and above.

  • Check the room rent limit.

ICICI Lombard Golden Shield

  • Compare the disease-specific sublimits with your healthcare needs, especially for cataract, cardiovascular treatment, cancer and renal conditions.

  • Review the 24-month PED and specified-disease waiting periods, along with the separate 90-day exclusion for hypertension, diabetes and cardiac conditions.

  • Check the room category linked to your sum insured to avoid unexpected proportionate deductions.

  • Review the base 50% co-payment carefully and compare the additional premium for reducing it to 40%, 30% or 20%.

  • Select a sum insured based on expected medical expenses and confirm that the desired option is available for your age and health profile.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Gain
Health Gain

Health Insurance Plan

Brochure

VS
Golden Shield
Golden Shield

Health Insurance Plan

Brochure

Room Rent

Health Gain

  1. Up to 1% of the basic Sum Insured per day.
VS

Golden Shield

ICICI Lombard's Health Shield plan offers comprehensive coverage with no specific capping on room rent or ICU charges.

ICU Charges

Health Gain

Covered as part of eligible hospitalisation expenses.

VS

Golden Shield

Covered under eligible inpatient hospitalisation, subject to the annual sum insured and applicable policy conditions.

Advanced Treatments

Health Gain

Information Unavailable

VS

Golden Shield

The plan covers advanced treatments like robotic surgeries, immunotherapy, oral chemotherapy, stem cell therapy, and minimally invasive procedures for various conditions.

Disease-wise sublimits

Health Gain

Sublimits apply to specified treatments, including cataract and listed modern treatments.

VS

Golden Shield

Yes. Cataract and specified cardiovascular, cerebrovascular, cancer, renal, long-bone/joint and robotic-surgery treatments have limits that vary by sum insured.

Co-payment

Health Gain

20% for insured persons whose age at entry is 61 years and above.

VS

Golden Shield

The ICICI Lombard Golden Shield plan includes a mandatory 50% co-payment, meaning policyholders are responsible for half of the admissible claim amount, while the insurer covers the remaining 50%. This co-payment applies to all claims made under the policy.

Restoration Benefit

Health Gain

Not specified.

VS

Golden Shield

Unlimited Reset Benefit of up to 100% of the annual sum insured for eligible subsequent claims. It does not apply to the first claim and has restrictions for the same illness or related complications.

Cashless Healthcare Providers

Health Gain

Cashless treatment is available at eligible network hospitals, subject to pre-authorisation.

VS

Golden Shield

10,896+ hospitals across India.

Daycare Treatment

Health Gain

Eligible daycare procedures are covered, subject to policy terms.

VS

Golden Shield

Covered under the policy. 

Cumulative Bonus

Health Gain

Not specified.

VS

Golden Shield

Loyalty Bonus accumulates under the policy's renewal rules; accrued bonus is not reduced merely because a claim is made.

AYUSH Treatment

Health Gain

Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered, subject to policy terms.

VS

Golden Shield

Covered under this policy

Consumable Cover

Health Gain

Not specified.

VS

Golden Shield

Claim Protector is available as an optional cover for eligible non-medical items associated with an accepted inpatient claim.

Initial Waiting Period

Health Gain

30 days, except for covered accident-related claims.

VS

Golden Shield

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

Specific Waiting Period

Health Gain

24 months for specified diseases and procedures.

VS

Golden Shield

24 months for listed diseases and procedures.

PED Waiting Period

Health Gain

36 months for pre-existing diseases.

VS

Golden Shield

24 months of continuous coverage for declared and accepted pre-existing diseases.

Modern Treatment

Health Gain

Specified modern treatments are covered, subject to policy limits.

VS

Golden Shield

Listed modern treatments are covered up to the annual sum insured, subject to specified sublimits.

Annual Health Checkup

Health Gain

Not specified.

VS

Golden Shield

Information Unavailable

Pre-Hospitalisation

Health Gain

Covered for up to 30 days before hospital admission.

VS

Golden Shield

60 days before hospitalisation, subject to policy terms and the accepted inpatient claim.

Post-Hospitalisation

Health Gain

Covered for up to 60 days after discharge.

VS

Golden Shield

Up to 7% of hospitalisation expenses, subject to a maximum of ₹5,000 for ₹3–5 lakh sum insured, ₹7,000 for ₹10–15 lakh, and ₹10,000 for ₹20–50 lakh.

Outpatient Department Cover (OPD Expense)

Health Gain

Available at networked facilities in India, up to the selected benefit limit.

VS

Golden Shield

Not included as a general standard reimbursement benefit. Outpatient consultations may be available through the optional Care Management Plus Program.

Deductible Option

Health Gain

Not specified.

VS

Golden Shield

Optional voluntary deductible of 20% of the annual sum insured, applied on an aggregate basis during the policy year.

Coverage Options

Health Gain

Individual and Family Floater.

VS

Golden Shield

Individual or family floater; optional Claim Protector, reduced co-payment, voluntary deductible and Care Management Plus Program.

Claim Settlement Ratio

Health Gain

Insurer-level metric, not a policy benefit.

VS

Golden Shield

FY 24-25: ~84%

Maternity Cover

Health Gain

Maternity expenses are excluded, except for the specified ectopic pregnancy exception.

VS

Golden Shield

Not covered under this senior-citizen-focused plan.

Insurance Plans Comparison

Still Confused? Get Expert Advice

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Why Choose Our 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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