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Insurance Plans Comparison

Star Super Surplus Gold vs ICICI Lombard Complete Health Insurance Health Shield

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

Complete Health Insurance Health Shield

Add 10% to the sum insured after every claim-free year, up to 50%, and cover organ-donor expenses up to ₹10 lakh, with domiciliary hospitalisation and air ambulance paid over and above the sum insured.

What Makes It Special:

Health Shield is a variant listed under ICICI Lombard Complete Health Insurance. Its benefits include inpatient hospitalisation, eligible daycare procedures, inpatient AYUSH treatment, pre- and post-hospitalisation expenses, and a reset benefit that can replenish eligible cover after previous claims. The policy also lists a cumulative bonus and wellness services. Coverage...

Best For:

  • Customers who may use the policy's wellness services and preventive health-check-up facilities.

  • Buyers who want eligible daycare and inpatient AYUSH treatment covered.

  • Customers who value a cumulative bonus for claim-free years.

  • Individuals or families comparing different base sum insured options.

  • Buyers looking for hospitalisation cover with a reset benefit for subsequent eligible claims.

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 Complete Health Insurance Health Shield

  • Verify that the Health Shield variant is still available and that the quoted UIN matches the policy document before purchase.

  • Compare the cataract sub-limit with your expected needs, especially if selecting a lower sum insured.

  • Check the 24-month PED and specified-disease waiting periods against your medical history.

  • Review the reset rules carefully, including the restrictions on using reset cover for the same illness.

  • Confirm the available sum insured and room-rent limit in the policy schedule before choosing the plan.

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
Complete Health Insurance Health Shield
Complete Health Insurance Health Shield

Health Insurance Plan

Brochure

Room Rent

Super Surplus Gold

Single Private A/C Room


VS

Complete Health Insurance Health Shield

Normal: Health Shield offers room rent and ICU coverage without sub-limits, ensuring full financial support for hospitalization, including intensive care expenses.

ICU Charges

Super Surplus Gold

Covered as part of hospitalisation

VS

Complete Health Insurance Health Shield

Covered under eligible inpatient hospitalisation, subject to policy terms.

Advanced Treatments

Super Surplus Gold

Information Unavailable

VS

Complete Health Insurance Health Shield

Covers advanced treatments, including robotic surgeries, stem cell therapy, immunotherapy, and modern cancer treatments

Co-payment

Super Surplus Gold

Not specified as a standard co-payment

VS

Complete Health Insurance Health Shield

10% of copay will be applied to every admissible claim.

Disease-wise sublimits

Super Surplus Gold

Specific limits and defined limits apply


VS

Complete Health Insurance Health Shield

Cataract: ₹20,000 per eye per policy year for sum insured up to ₹5 lakh; ₹1 lakh per eye per policy year for sum insured above ₹5 lakh.

Cashless Healthcare Providers

Super Surplus Gold

Cashless treatment through network hospitals

VS

Complete Health Insurance Health Shield

10,896+ hospitals across India.

Restoration Benefit

Super Surplus Gold

Recharge Benefit available once for the remaining policy period


VS

Complete Health Insurance Health Shield

Unlimited Reset Benefit is listed; reset does not trigger on the first claim and remains subject to illness, insured-person and other policy conditions.

Cumulative Bonus

Super Surplus Gold

Not specified


VS

Complete Health Insurance Health Shield

10% of annual sum insured per claim-free year, up to 50%; accumulated bonus reduces by 10% of annual sum insured following a claim, as specified in the policy.

Daycare Treatment

Super Surplus Gold

All daycare procedures covered

VS

Complete Health Insurance Health Shield

Covered under the policy. 

Consumable Cover

Super Surplus Gold

Not specified

VS

Complete Health Insurance Health Shield



AYUSH Treatment

Super Surplus Gold

Covered up to Sum Insured

VS

Complete Health Insurance Health Shield

Covered under this policy

Initial Waiting Period

Super Surplus Gold

30 Days, subject to policy terms


VS

Complete Health Insurance Health Shield

30 days for illnesses; injury-related hospitalisation is excepted.

Specific Waiting Period

Super Surplus Gold

12 Months for Gold Plan specified diseases and procedures


VS

Complete Health Insurance Health Shield

24 months for specified illnesses and treatments.

PED Waiting Period

Super Surplus Gold

12 Months for Gold Plan PEDs

VS

Complete Health Insurance Health Shield

24 months for declared and accepted pre-existing diseases.

Modern Treatment

Super Surplus Gold

Covered subject to applicable limits

VS

Complete Health Insurance Health Shield

Not verified as a separately defined benefit in the reviewed Health Shield document.

Annual Health Checkup

Super Surplus Gold

Not specified

VS

Complete Health Insurance Health Shield

Health-check-up coupon each policy year, up to 2 coupons per year for floater policies.

Pre-Hospitalisation

Super Surplus Gold

Up to 60 Days


VS

Complete Health Insurance Health Shield

Up to 30 days.

Post-Hospitalisation

Super Surplus Gold

Up to 90 Days

VS

Complete Health Insurance Health Shield

Up to 60 days.

Outpatient Department Cover (OPD Expense)

Super Surplus Gold

Not a standard OPD benefit

VS

Complete Health Insurance Health Shield

Wellness points may be redeemable for eligible outpatient expenses; a fixed comprehensive OPD limit was not verified.

Deductible Option

Super Surplus Gold

Defined Limit applies to aggregate eligible hospitalisation expenses


VS

Complete Health Insurance Health Shield

Not verified in the reviewed Health Shield document.

Coverage Options

Super Surplus Gold

₹5 Lakh to ₹1 Crore for Gold Plan


VS

Complete Health Insurance Health Shield

Individual or family floater; listed sum insured options from ₹3 lakh to ₹50 lakh.

Claim Settlement Ratio

Super Surplus Gold

Not specified

VS

Complete Health Insurance Health Shield

FY 2024-25: 83.65%

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

Complete Health Insurance Health Shield

Excluded under the reviewed policy wording, except for stated policy exceptions such as ectopic pregnancy.

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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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

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  • 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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