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Insurance Plans Comparison

ICICI Lombard Health AdvantEdge vs Star Red Carpet Senior Citizens

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

Red Carpet Senior Citizens

A senior-citizen hospital plan that covers pre-existing diseases after 12 months, applies a 30% or 50% co-pay depending on the sum insured and the claim, and sets sub-limits for listed treatments such as cataract, cancer and heart disease.

What Makes It Special:

A senior citizen health insurance policy designed for people entering between 60 and 75 years, with lifelong renewability and individual or floater sum insured options. The brochure lists hospitalization, daycare treatment and senior-focused coverage, along with medical underwriting and optional premium payment modes.

Best For:

  • Senior citizens aged 60 to 75 years

  • People looking for lifelong renewability

  • Customers considering individual or floater cover

  • Seniors seeking dedicated hospitalization protection

  • Customers who want multiple policy-term choices

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 Red Carpet Senior Citizens

  • Check the applicable room and hospitalization benefit table before purchase

  • Review medical underwriting requirements based on age, health history and sum insured

  • Review waiting periods and exclusions in the policy wording

  • Compare individual and floater coverage based on family requirements

  • Check premium loading for monthly, quarterly or half-yearly payment modes

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
Red Carpet Senior Citizens
Red Carpet Senior Citizens

Health Insurance Plan

Policy Wording

Room Rent

Health AdvantEdge

Normal: Any category room; Up to Sum Insured

ICU: Up to Sum Insured

VS

Red Carpet Senior Citizens

  1. Covered according to the applicable room, boarding and nursing benefit table
Advanced Treatments

Health AdvantEdge

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

VS

Red Carpet Senior Citizens

Information Unavailable

ICU Charges

Health AdvantEdge

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

VS

Red Carpet Senior Citizens

Covered as per the applicable hospitalization benefit

Co-payment

Health AdvantEdge

0% co-payment

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

Disease-wise sublimits

Health AdvantEdge



VS

Red Carpet Senior Citizens

Not fully specified in the retrieved source

Cashless Healthcare Providers

Health AdvantEdge

Cashless treatment available at network hospitals

VS

Red Carpet Senior Citizens

Available through network hospitals, subject to policy terms

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

Red Carpet Senior Citizens

Not specified in the retrieved source

Daycare Treatment

Health AdvantEdge

All daycare procedures covered

VS

Red Carpet Senior Citizens

All daycare procedures covered

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

Red Carpet Senior Citizens

Not specified in the retrieved source

AYUSH Treatment

Health AdvantEdge

Covered up to Sum Insured

VS

Red Carpet Senior Citizens

Covered, subject to policy terms

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

Red Carpet Senior Citizens

Not specified in the retrieved source

Initial Waiting Period

Health AdvantEdge

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

VS

Red Carpet Senior Citizens

  1. Not specified in the retrieved source
Specific Waiting Period

Health AdvantEdge

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

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

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

Red Carpet Senior Citizens

Not specified in the retrieved source

Modern Treatment

Health AdvantEdge

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

VS

Red Carpet Senior Citizens

  1. Covered, subject to policy-specified limits
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

Red Carpet Senior Citizens

Not specified in the retrieved source

Pre-Hospitalisation

Health AdvantEdge

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

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

Post-Hospitalisation

Health AdvantEdge

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

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

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

Red Carpet Senior Citizens

Not specified in the retrieved source

Deductible Option

Health AdvantEdge

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

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

Coverage Options

Health AdvantEdge

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

VS

Red Carpet Senior Citizens

Individual and Floater Sum Insured

Claim Settlement Ratio

Health AdvantEdge

FY 24-25: ~84%

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

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

Red Carpet Senior Citizens

Not specified in the retrieved source

Insurance Plans Comparison

Still Confused? Get Expert Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Why Choose Our Expert Consultation?

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From choosing the right policy to managing claims, every step is handled for you

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Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

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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.

1-5 of 10 FAQs

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