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Insurance Plans Comparison

Star Red Carpet Senior Citizens vs ICICI Lombard iHealth

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

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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

VS
ICICI Lombard

iHealth

Reset up to 100% of the sum insured once in a policy year for a later unrelated illness, and cover inpatient hospitalisation, AYUSH treatment, specified day care procedures and a wellness programme.

What Makes It Special:

iHealth is a discontinued ICICI Lombard Complete Health Insurance tier, offered on an individual or floater basis. It covers in-patient hospitalisation, pre- and post-hospitalisation expenses, day-care procedures, and in-patient AYUSH treatment, with a 2-year waiting period for pre-existing diseases and a Reset Benefit for the sum insured.

Best For:

  • Existing policyholders reviewing their current iHealth cover before renewal, since this plan is no longer sold

  • Individuals who want coverage for hospitalisation and related pre- and post-hospitalisation costs

  • Policyholders who value a cumulative bonus that increases cover over claim-free years

  • Buyers who want a restoration feature to top up the sum insured after a large claim in the same year

  • Families who want a floater policy for parents, children, and spouse under one sum insured

Insurance Plans Comparison

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Quick Decision Guide

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

ICICI Lombard iHealth

  • Check the sublimits for listed surgeries, such as cataract at ₹20,000 per eye, if you are considering the lower sum insured options.

  • Maternity cover is not part of the base iHealth tier, so choose a higher tier if you need it and can wait 3 years.

  • Reset Benefit is limited to once per policy year and cannot be used for the same illness already claimed, so do not count it as unlimited cover.

  • Note the 2-year waiting period for pre-existing diseases and the listed illnesses, and plan your cover accordingly if you have an existing condition.

  • Because the plan is discontinued, check whether an ICICI Lombard successor such as Health Shield or Health Shield Plus suits your needs before buying.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Red Carpet Senior Citizens
Red Carpet Senior Citizens

Health Insurance Plan

Policy Wording

VS
iHealth
iHealth

Health Insurance Plan

Brochure

Room Rent

Red Carpet Senior Citizens

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

iHealth

Including in-patient hospitalization expenses such as room rent and ICU charges. Notably, there are no sub-limits on room rent or ICU charges.

ICU Charges

Red Carpet Senior Citizens

Covered as per the applicable hospitalization benefit

VS

iHealth

Covered under the in-patient hospitalisation cover up to the sum insured, for a hospitalisation of at least 24 consecutive hours. Kindly consult the policy wording for any cap.

Advanced Treatments

Red Carpet Senior Citizens

Information Unavailable

VS

iHealth

ICICI iHealth 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.

Co-payment

Red Carpet Senior Citizens

Not specified in the retrieved source

VS

iHealth

Does not have a mandatory co-payment for most policyholders. However, for senior citizens or specific policy variants, a co-payment clause may apply, requiring the insured to bear a percentage of the claim amount.

Disease-wise sublimits

Red Carpet Senior Citizens

Not fully specified in the retrieved source

VS

iHealth

Sublimits apply to listed surgeries in the lower sum insured tiers. For example, cataract is limited to ₹20,000 per eye. Kindly consult the policy wording for the full schedule.

Cashless Healthcare Providers

Red Carpet Senior Citizens

Available through network hospitals, subject to policy terms

VS

iHealth

10,896+ hospitals across india 

Restoration Benefit

Red Carpet Senior Citizens

Not specified in the retrieved source

VS

iHealth

Reset Benefit: resets up to 100% of the sum insured once per policy year. Reset is not triggered by the first claim. The reset amount can be used only for future claims in the same policy year that are unrelated to an illness already claimed. Unused reset is not carried forward.

Daycare Treatment

Red Carpet Senior Citizens

All daycare procedures covered

VS

iHealth

Covered under the policy. 

Cumulative Bonus

Red Carpet Senior Citizens

Not specified in the retrieved source

VS

iHealth

Additional Sum Insured of 10% of the annual sum insured for each claim-free year, up to a maximum of 50%. A claim reduces the accumulated amount by 10% of the annual sum insured in the following year.

AYUSH Treatment

Red Carpet Senior Citizens

Covered, subject to policy terms

VS

iHealth

Covered under this policy

Consumable Cover

Red Carpet Senior Citizens

Not specified in the retrieved source

VS

iHealth

Kindly refer to the policy wording.

Initial Waiting Period

Red Carpet Senior Citizens

  1. Not specified in the retrieved source
VS

iHealth

30 days from inception. Accident-related hospitalisation is exempt.

Specific Waiting Period

Red Carpet Senior Citizens

Not specified in the retrieved source

VS

iHealth

2 years for listed illnesses and procedures. Maternity has a 3-year waiting period where opted.

PED Waiting Period

Red Carpet Senior Citizens

Not specified in the retrieved source

VS

iHealth

2 years for declared and accepted pre-existing diseases

Modern Treatment

Red Carpet Senior Citizens

  1. Covered, subject to policy-specified limits
VS

iHealth

Kindly refer to the policy wording

Annual Health Checkup

Red Carpet Senior Citizens

Not specified in the retrieved source

VS

iHealth

Free health check-up at designated centres. Floater policies receive a maximum of 2 coupons per year.

Pre-Hospitalisation

Red Carpet Senior Citizens

Not specified in the retrieved source

VS

iHealth

Up to 30 days before hospitalisation, up to the sum insured

Post-Hospitalisation

Red Carpet Senior Citizens

Not specified in the retrieved source

VS

iHealth

Up to 60 days after discharge, up to the sum insured

Outpatient Department Cover (OPD Expense)

Red Carpet Senior Citizens

Not specified in the retrieved source

VS

iHealth

Outpatient Treatment Cover is available as a benefit in the plan tiers that include it. Reimbursement is subject to a limit of ₹5,000 on a floater basis. Kindly consult the plan details for eligibility.

Deductible Option

Red Carpet Senior Citizens

Not specified in the retrieved source

VS

iHealth

Kindly consult the policy wording

Coverage Options

Red Carpet Senior Citizens

Individual and Floater Sum Insured

VS

iHealth

Individual and floater cover. The base iHealth tier is available at ₹3, ₹4, and ₹5 lakh sum insured.

Claim Settlement Ratio

Red Carpet Senior Citizens

Not specified in the retrieved source

VS

iHealth

FY 24-25: ~84%

Maternity Cover

Red Carpet Senior Citizens

Not specified in the retrieved source

VS

iHealth

Not included in the base iHealth tier. Maternity cover with a 3-year waiting period is available in higher plan tiers only when opted for. It covers delivery and caesarean section (₹15,000 normal, ₹25,000 caesarean), pre- and post-natal expenses (₹2,000 each), and newborn cover (₹10,000), limited to two deliveries during the policy period.

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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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