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Insurance Plans Comparison

Star Medi Classic 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

Medi Classic

Star Medi Classic is an individual health insurance with essential hospitalisation benefits, preventive health check-ups and additional optional benefits.

What Makes It Special:

Medi Classic Insurance Policy is an individual health insurance plan that provides coverage for hospitalisation and selected medical treatments. It offers Sum Insured options from ₹5 Lakh to ₹15 Lakh, along with pre and post-hospitalisation coverage, preventive health check-ups and cumulative bonus. Optional Patient Care and Hospital Cash benefits are...

Best For:

  • Customers interested in optional Patient Care or Hospital Cash benefits.

  • Individuals looking for preventive health check-up benefits.

  • Customers who want pre and post-hospitalisation coverage.

  • People seeking Sum Insured options between ₹5 Lakh and ₹15 Lakh.

  • Individuals looking for individual health insurance coverage.

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

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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 Medi Classic

  • Review the applicable limits carefully, especially for room rent, modern treatments and other treatments with specific limits.

  • Consider the optional Patient Care and Hospital Cash benefits if they match your requirements.

  • The plan may suit customers who value pre-hospitalisation and post-hospitalisation coverage.

  • Consider it if a Sum Insured of ₹5 Lakh to ₹15 Lakh meets your coverage requirement.

  • Choose this plan if you need individual health insurance rather than a family floater.

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

Medi Classic
Medi Classic

Health Insurance Plan

Brochure

Policy Wording

VS
Golden Shield
Golden Shield

Health Insurance Plan

Brochure

Room Rent

Medi Classic

2% of Sum Insured per day, subject to a maximum of ₹5,000 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

Medi Classic

Covered as per the applicable policy terms and limits.

VS

Golden Shield

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

Advanced Treatments

Medi Classic

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.

Co-payment

Medi Classic

Not specified in the retrieved source.



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.

Disease-wise sublimits

Medi Classic

Modern treatments and cataract treatment are subject to applicable limits.



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.

Cashless Healthcare Providers

Medi Classic

Not specified in the retrieved source.



VS

Golden Shield

10,896+ hospitals across India.

Restoration Benefit

Medi Classic

Not specified in the retrieved source.

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.

Cumulative Bonus

Medi Classic

5% of the Sum Insured for every claim-free year, subject to a maximum of 25% of the Sum Insured.



VS

Golden Shield

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

Daycare Treatment

Medi Classic

Not specified in the retrieved source.



VS

Golden Shield

Covered under the policy. 

Consumable Cover

Medi Classic

Not specified in the retrieved source.



VS

Golden Shield

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

AYUSH Treatment

Medi Classic

Not specified in the retrieved source.



VS

Golden Shield

Covered under this policy

Initial Waiting Period

Medi Classic

Not specified in the retrieved source.



VS

Golden Shield

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

Specific Waiting Period

Medi Classic

Not specified in the retrieved source.



VS

Golden Shield

24 months for listed diseases and procedures.

PED Waiting Period

Medi Classic





VS

Golden Shield

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

Modern Treatment

Medi Classic

Covered, subject to applicable limits and policy terms.



VS

Golden Shield

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

Annual Health Checkup

Medi Classic

Preventive health check-up is covered as per policy terms.



VS

Golden Shield

Information Unavailable

Pre-Hospitalisation

Medi Classic

Covered for 30 days.



VS

Golden Shield

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

Post-Hospitalisation

Medi Classic

Covered for 60 days, subject to the applicable limits and conditions.



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)

Medi Classic

Not specified as a standard base benefit in the retrieved source. Optional Patient Care and Hospital Cash benefits are available subject to conditions.



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

Medi Classic

Not specified in the retrieved source.



VS

Golden Shield

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

Coverage Options

Medi Classic

Sum Insured options of ₹5 Lakh, ₹7.5 Lakh, ₹10 Lakh and ₹15 Lakh.



VS

Golden Shield

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

Claim Settlement Ratio

Medi Classic

Not specified in the retrieved source.



VS

Golden Shield

FY 24-25: ~84%

Maternity Cover

Medi Classic

Not specified in the retrieved source.



VS

Golden Shield

Not covered under this senior-citizen-focused plan.

Insurance Plans Comparison

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What Our Experts Help You With

Personalised Recommendations

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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)

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