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Insurance Plans Comparison

Star Super Surplus Gold vs ICICI Lombard Health Elite Plus

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

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Star

Super Surplus Gold

This super top-up pays hospital bills only after the year's expenses cross your chosen limit, covers a single private AC room, and pays up to ₹50,000 for delivery after 12 months if you and your spouse are both covered.

What Makes It Special:

Star Super Surplus is a floater top-up policy intended to provide additional health protection after eligible hospitalisation expenses cross the selected deductible or defined limit. The Gold Plan offers high Sum Insured choices, single private A/C room eligibility, maternity benefits, organ donor expenses, AYUSH treatment and a recharge benefit.

Best For:

  • Policyholders wanting additional protection beyond a base health plan

  • Customers seeking a Gold Plan maternity benefit

  • Families looking for a floater top-up plan

  • Customers wanting high Sum Insured with a defined limit

  • Families seeking additional top-up protection

VS
ICICI Lombard

Health Elite Plus

Get a single private room and reset up to 100% of the sum insured once for the same illness and unlimited times for a different illness, with a 20% loyalty bonus up to 100% that stays after a claim.

What Makes It Special:

ICICI Lombard Health Elite Plus offers an unlimited reset benefit that can replenish up to 100% of the base sum insured when the available cover becomes insufficient after previous claims. It can be used unlimited times for different illnesses and once for the same illness, subject to policy conditions. The plan...

Best For:

  • Buyers who want the option to add specific benefits, such as worldwide hospitalisation cover or outpatient services, subject to eligibility and additional premium.

  • Customers seeking benefits such as donor expenses, domiciliary hospitalisation and air ambulance cover.

  • People who value a guaranteed cumulative bonus that can increase their available cover over time.

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

  • Individuals or families looking for a health insurance plan with multiple sum insured options.

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 Super Surplus Gold

  • The policy offers lifelong renewals.

  • Gold Plan provides a defined maternity benefit after the waiting period.

  • Recharge Benefit can provide additional indemnity after exhaustion or excess of Sum Insured.

  • The policy is available on a family floater basis.

  • Gold Plan Sum Insured options extend up to ₹1 Crore.

ICICI Lombard Health Elite Plus

  • If you need worldwide cover or other add-ons, confirm their availability, waiting periods, limits and additional premium before purchasing.

  • If you opt for voluntary co-payment or treatment outside your selected pricing zone, account for the applicable out-of-pocket share.

  • If you expect to use outpatient services, confirm whether the optional BeFit cover is selected and what its specific limits include.

  • If you have a pre-existing condition, check the 24-month waiting period and disclose your medical history accurately.

  • Choose a sum insured that fits your expected medical costs and check how room eligibility changes at the ₹20 lakh threshold.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Super Surplus Gold
Super Surplus Gold

Health Insurance Plan

Brochure

Policy Wording

VS
Health Elite Plus
Health Elite Plus

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Super Surplus Gold

Single Private A/C Room


VS

Health Elite Plus

  1. Normal: Covered Up to Sum Insured
  2. ICU: Covered up to sum insured
ICU Charges

Super Surplus Gold

Covered as part of hospitalisation

VS

Health Elite Plus

Not verified for the exact current variant configuration.

Advanced Treatments

Super Surplus Gold

Information Unavailable

VS

Health Elite Plus

  1. Oral chemotherapy
  2. Robotic surgeries
  3. Stem cell therapy
Co-payment

Super Surplus Gold

Not specified as a standard co-payment

VS

Health Elite Plus

Insured can choose 10% or 20% co-payment, allowing cost-sharing for lower premium expenses.

Disease-wise sublimits

Super Surplus Gold

Specific limits and defined limits apply


VS

Health Elite Plus

Cataract treatment is limited to 10% of the sum insured, up to ₹1 lakh per eye, after the applicable two-year period. Other applicable limits and exclusions must be checked in the policy wording.

Cashless Healthcare Providers

Super Surplus Gold

Cashless treatment through network hospitals

VS

Health Elite Plus

10,000+ Cashless Healthcare Providers

Restoration Benefit

Super Surplus Gold

Recharge Benefit available once for the remaining policy period


VS

Health Elite Plus

Reset of up to 100% of the base sum insured, unlimited times for different illnesses and once for the same illness. It does not trigger on the first claim and is subject to the policy conditions.

Cumulative Bonus

Super Surplus Gold

Not specified


VS

Health Elite Plus

Loyalty bonus is described in the available policy information; current applicable rate and maximum require verification.

Daycare Treatment

Super Surplus Gold

All daycare procedures covered

VS

Health Elite Plus

Covers procedures requiring less than 24-hour hospitalization, like cataract surgery and chemotherapy.

Consumable Cover

Super Surplus Gold

Not specified

VS

Health Elite Plus

Not verified as a standard benefit for the exact current variant.

AYUSH Treatment

Super Surplus Gold

Covered up to Sum Insured

VS

Health Elite Plus

Coverage for Ayurveda, Yoga, Unani, Siddha, and Homeopathy at government-recognized institutions.

Initial Waiting Period

Super Surplus Gold

30 Days, subject to policy terms


VS

Health Elite Plus

30 days for illnesses from the start of the policy; accidents are excluded from this waiting-period restriction.

Specific Waiting Period

Super Surplus Gold

12 Months for Gold Plan specified diseases and procedures


VS

Health Elite Plus

24 months for specified diseases and procedures listed in the policy.

PED Waiting Period

Super Surplus Gold

12 Months for Gold Plan PEDs

VS

Health Elite Plus

24 months for declared and accepted pre-existing diseases, subject to policy terms and applicable portability rules.

Modern Treatment

Super Surplus Gold

Covered subject to applicable limits

VS

Health Elite Plus

Covered up to the annual sum insured, subject to policy terms and exclusions.

Annual Health Checkup

Super Surplus Gold

Not specified

VS

Health Elite Plus

Preventive health check-up available at designated centres, subject to policy conditions.

Pre-Hospitalisation

Super Surplus Gold

Up to 60 Days


VS

Health Elite Plus

60 days


Post-Hospitalisation

Super Surplus Gold

Up to 90 Days

VS

Health Elite Plus

180 days.

Outpatient Department Cover (OPD Expense)

Super Surplus Gold

Not a standard OPD benefit

VS

Health Elite Plus

Not included as a general unlimited standard benefit. Optional BeFit provides specified outpatient consultations and related benefits on a cashless basis, according to the selected plan.

Deductible Option

Super Surplus Gold

Defined Limit applies to aggregate eligible hospitalisation expenses


VS

Health Elite Plus

No deductible option.

Coverage Options

Super Surplus Gold

₹5 Lakh to ₹1 Crore for Gold Plan


VS

Health Elite Plus

Individual and family floater options, with sum insured options from ₹5 lakh to ₹3 crore.

Claim Settlement Ratio

Super Surplus Gold

Not specified

VS

Health Elite Plus

Information Unavailable

Maternity Cover

Super Surplus Gold

Delivery expenses up to ₹50,000 per policy period, maximum two deliveries, subject to 12-month wait and conditions


VS

Health Elite Plus

Childbirth-related medical expenses are excluded, except ectopic pregnancy, as stated in the exclusions.

Insurance Plans Comparison

Still Confused? Get Expert Advice

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Why Choose Our Expert Consultation?

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Pure advice, no unwanted calls, no unnecessary push

Free 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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