Icici Lombard vs Hdfc Ergo

ICICI Lombard Health AdvantEdge plan is a comprehensive health insurance plan designed to cater to all your healthcare needs. It secures your loved on...

Unique Features

• Global Cover
• SI Upto 3 Cr
• Air Ambulance Cover

• Restoration Benefit
• Cumulative Bonus
• Health Rewards
• Domestic Air Ambulance

• OPD Cover
• Second medical opinion
• Modern treatment
• IVF treatment cover

• New Born Cover
• Vaccine Cover
• Maternity Cover
• PED Cover
• Personal Accident Cover

• Entry Age: 18 - 65 years
• SI: 5 L to 3 Cr
• Initial waiting period: 30 days

ICICI Lombard Personal Protect Policy is a comprehensive health insurance policy that offers an array of benefits and extensions to safeguard the insu...

Unique Features

• Accidental Death Benefit
• Acts Of Terrorism Cover
• Life Long Renewal

• Accidental Death
• Permanent Total Disablement Benefit
• Hospital Daily Allowance

• Illegal activities
• Adventure sports

• Operational Coverage
• Accidental Hospitalization
• Hospital Daily Allowance

• Min entry age: 18 years
• Max entry age: 80 years
• Initial Waiting Period: 30 days
• Sum Insured: Up to 25 Lakhs

Golden Shield Plan by ICICI Lombard is designed especially for senior citizens to cater to all their healthcare needs. With growing age, the human bod...

Unique Features

• Care Management Program
• 50 L SI Available
• Co-Pay Modification

• Reset Benefit
• Coverage for Ambulance
• Cashless Hospitalization

• Maternity cover
• New born cover
• Daily hospital cash

• Care Management Program
• AYUSH Treatments
• Claim Protector

• Entry age: 56 years to no maximum limit
• Sum insured: 5 to 50 Lakhs
• Initial waiting period: 30 days

ICICI Lombard Arogya Sanjeevani is a versatile plan that pays for your medical bills in case of hospitalization. If you are looking for a health plan ...

Unique Features

• COVID-19 Cover
• Ambulance Cover
• Affordable Plan

• Cumulative bonus
• Cataract treatment covered
• Modern procedures covered
• Intensive cardiac care charges

• No eyesight correction expenses
• Fertility expenses not covered
• Nursing expenses not covered
• Nursing at home not covered
• OPD expenses not covered

• Floater benefit
• Pre-existing Diseases covered after 4 years
• In-patient AYUSH treatment
• Day Care Procedures

• Entry Age: 18 years
• Max Entry Age: 65 years
• Sum Insured: ₹1 Lakh to ₹5 Lakh
• Initial Waiting Period: 30 days

ICICI Lombard Health Booster is a comprehensive super top-up health insurance plan designed to enhance your existing coverage. The policy acts as a sh...

Unique Features

• Reset Benefit
• Top-up Plan
• Lifetime Renewability

• In-patient treatment coverage
• wide range of coverage
• flexible deductible choices.

• Exclusions include injury due to war
• cosmetic surgery
• and aesthetic treatment.

• Reset benefit
• domestic road emergency
• pre and post-hospitalisation
• donor expenses.

• Min entry age: 6 years
• Max entry age: No maximum age limit
• Initial Waiting Period: 30 days
• Sum Insured: Up to ₹50 lakh.

ICICI Lombard MaxProtect health insurance plan is a multiple-benefit provider plan that comes with affordable premiums. It has two variants, i.e., Cla...

Unique Features

• Up to 1 Crore SI
• International coverage
• Modern treatment

• Worldwide coverage
• Modern-day treatment procedures
• Reset benefits

• Maternity cover
• OPD not covered
• Daily hospital cash

• Multi-yearPolicy discounts
• Automatic restoration
• Domiciliary hospitalization

• Entry age: 21 to 65 years
• Sum Insured: Upto 1 Cr
• Initial Waiting Period: 30 Days

ICICI Lombard Elevate plan is a comprehensive solution for all your healthcare expenses, including doctor's visits, diagnostic tests, medication bills...

Unique Features

• Over 30 add-on options
• Worldwide coverage
• Special cover for NRIs

• Room rent
• ICU charges
• Pre and post hospitalisation
• Daycare treatment

• Cataract
• IVF treatment
• Hazardous activities

• OPD Charges
• Covid-19
• Automatic restoration

• Min entry age: 18 Years
• Max entry age: No limit
• Initial Waiting Period: 30 Days
• Sum Insured: No Limit

ICICI Lombard Saral Suraksha Bima is a health insurance policy that supports you when you are hit by an accident, leading to death or disabilities. Yo...

Unique Features

• 100% death benefit
• Educational grant
• PTD/ TTD and PPD cover

• Accidental death
• Permanent total disability
• Permanent partial disability
• Cumulative bonus

• Attempt to suicide/self-inflicted injury
• STDs and HIV/AIDS
• Mental or nervous disorder
• Alcoholism or substance abuse

• Children education grant
• Accidental hospitalisation
• Higher sum insured

• Min entry age: 3 Months
• Max entry age: 70 Years
• Sum Insured: Up to 1 Cr

ICICI Lombard Complete Health Insurance is a comprehensive health insurance plan that caters to almost every healthcare need of an individual and thei...

Unique Features

• Wellness Program
• Maternity & Newborn Cover
• Riders Available

• Critical Illness cover
• AYUSH treatment covered
• Ambulance coverage
• E-consultation

• Vaccination not covered
• IVF Treatment
• Modern treatment
• Air ambulance

• Cataract
• Daily hospital cash
• Organ donor

• Min entry age: 3 months
• Max entry age: 65 Years
• Initial Waiting Period: 30 Days
• Sum Insured: Up to 50 L

ICICI Lombard Group insurance is a type of insurance plan that covers many people in the same proximity, for example, employee-employer, bank customer...

Unique Features

• Large Sum Insured
• Daycare Treatment
• Floater Benefit

• Tax benefit
• Less waiting period
• Hospital coverage
• Wide range coverage

• Pre-existing diseases
• Hazardous or adventure sports

• Cashless benefit
• Day care treatment
• Floater benefit

• Min entry age: 18 years
• Max entry age: 65 years
• Initial Waiting Period: 30 days
• Sum Insured: Up to ₹50 Lakhs

ICICI Lombard Health Shield 360 is a comprehensive health insurance policy offering basic medical support, worldwide cover, and health management assi...

Unique Features

• 360° Wellbeing programs
• High SI options
• Home healthcare

• Worldwide cashless facility
• Unlimited reset cover
• Daycare procedures

• Illegal activities
• Adventure sports
• Drug abuse

• Air ambulance
• OPD cover
• Additional sum insured

• Min entry age: 21 Years
• Max entry age: 75 Years
• Initial Waiting Period: 30 Days
• Sum Insured: Up to 1 Cr

HDFC My:Health Women Suraksha is a comprehensive policy designed to cater to the evolving health and well-being needs of today's women. The policy of...

Unique Features

• Cancer Cover
• Assault And Burn Cover
• 41 Critical Illness Cover

• Lifetime renewal
• Wellness Incentives
• Add-On Coverage

• Obesity or weight control
• Cosmetic surgeries
• Maternity cover
• Change of gender treatment

• Post Diagnosis Support
• Cancer Cover
• Major Illness Cover
• Surgical Procedure
• Critical Illness Cover

• Entry age: 18 to 65 years
• Sum insured: 1 Lakh to 1 Crore
• Policy term: 1/2/3 years

The Arogya Sanjeevani Policy from HDFC ERGO is a basic plan designed for individual or family floater coverage. It provides essential medical support ...

Unique Features

• 3 plan variants
• Double coverage
• E-opinion on critical illnesses

• Pre and post-hospitalization
• Doctor consultation
• AYUSH treatment
• Preventive health check-ups

• Maternity expenses
• Daily hospital cash
• Modern treatment
• Organ donor cover

• Family floater cover
• Sum Insured up to 10 Lakhs
• Lifelong renewability

• Min. Entry Age: 18 Years
• Max. Entry Age: 65 Years
• Sum Insured: Up to 10 Lakhs
• Initial Waiting Period: 30 Days

The HDFC ERGO Optima Secure Global plan offers vital and extended coverage both within and outside India, providing comprehensive protection without g...

Unique Features

• India & Worldwide Coverage
• High SI up to 2 Crores
• Aggregate Deductible Discounts

• Worldwide coverage
• high sum insured up to INR 2 Crores
• 4-level sum insured restoration benefit
• aggregate deductible discounts
• and no deductions on non-medical expenses.

• INR 10
• 000 deductible for overseas claims
• aggregate deductible applicable only in India
• no coverage for vaccinations
• maternity and newborn baby cover not included in the base plan.

• E-opinion for 51 critical illnesses
• availability of various add-on covers
• optional Overseas Travel Secure add-on.

• Entry Age: 18 to 65 Years Sum Insured: INR 1 Crore to INR 2 Crores Initial Waiting Period: 30 Days Policy Term: 1
• 2
• or 3 Years

The HDFC ERGO Optima Secure Plan is designed to provide policyholders with improved financial protection against rising healthcare costs. It offers up...

Unique Features

• 3 plan variants
• Double coverage
• E-opinion on critical illnesses

• Hospital Cash Benefit
• No Cost Instalment Option
• Restore Benefit
• Unlimited Restore

• Maternity cover NA
• Newborn care unavailable
• OPD cover unavailable

• Aggregate deductible discounts
• Disposables & consumables cover
• Worldwide cover

• Entry age: 18 years to no max limit
• SI: 5 Lakhs to 2 Crore
• Policy term: 1/2/3 years
• Initial waiting period: 30 days

The HDFC ERGO Personal Accident Insurance plan offers worldwide coverage and lifelong renewability. A key benefit of this plan is that it does not req...

Unique Features

• Worldwide coverage
• No pre-policy medicals
• Lifelong renewability

• Accidental Death
• Permanent Total Disability
• Broken Bones
• Burns

• Breach of law
• Pregnancy or childbirth
• Self-inflicted injury

• Ambulance costs
• Hospital cash
• Lump sum payout benefit
• Air ambulance cover

• Entry Age: 18 - 65 years
• Policy Term: 1/2/3 years
• Initial Waiting Period: None
• Sum Insured: 20 L - 10 Cr

The iCan Cancer Insurance is a cancer-specific plan offered by HDFC ERGO Health Insurance Company. It covers medical expenses incurred during the trea...

Unique Features

• Key Features
• Eligibility & Exclusions
• iCan Cancer Plan Sample Premiums

• Cancer cover
• In-patient hospitalization
• Ambulance cover

• Maternity cover
• Newborn cover
• Organ donor cover
• Global coverage

• COVID-19 cover
• Pre and post-hospitalization
• ICU charges

• Entry age: 5 to 65 years
• Policy term: 1 year
• Initial waiting period: 120 days

HDFC ERGO Health Suraksha Plan is a comprehensive plan from HDFC ERGO Insurance Company, providing 360-degree protection against rising medical expens...

Unique Features

• Key Features
• Eligibility & Age Restrictions
• Types of My:Health Suraksha Smart Plans

• Air ambulance cover
• Recovery benefit
• Infertility cover

• Vaccination cover unavailable
• Second medical opinion not available
• Maternity cover unavailable
• Newborn baby cover unavailable

• Family discount
• Long-term policy discount
• Loyalty discount

• Entry age: 18 years to no upper age limit
• Sum insured: 3 Lakh to 75 Lakh
• Policy term: 1/2/3 years
• Initial waiting period: 30 days

HDFC ERGO Health Insurance offers an Energy Diabetes plan, which is ideal for those suffering from Diabetes Type 1, Diabetes Mellitus Type 2, pre-diab...

Unique Features

• Personalized health coach option
• Get rewards to reduce your premiums
• Diabetes and Hypertension without waiting period

• Personal health coach
• Rewards for premium discount
• Diabetes and Hypertension cover

• ICU cover unavailable
• AYUSH treatment not covered
• OPD not covered
• Domiciliary treatment unavailable

• Organ donor cover
• Ambulance services
• Pre & post-hospitalization cover

• Entry age: 18 to 65 years
• Policy term: 1 year
• Initial waiting period: 30 days
• Sum insured: 2 L to 50 L

HDFC ERGO Health Insurance's Health Wallet plan is a comprehensive health insurance plan that not only ensures your health today but also secures your...

Unique Features

• Worldwide Emergency Care
• Avail 6% interest on un-used SI
• Cashless Homecare treatment

• Inpatient and outpatient cover
• OPD cover
• Domiciliary hospitalization

• Air ambulance
• E-consultations
• Health check-up
• Modern treatment cover

• Global coverage
• Daycare procedures
• Health check-up
• Vaccination charges

• Entry age: 18 to 65 years
• Initial waiting period: 30 days
• Sum insured: 3 to 50 Lakhs
• Policy term: 1/2/3 years

The HDFC Ergo Super Top-Up plan is an excellent option to ensure ample cover for the best medical treatment without restrictions. It complements your ...

Unique Features

• Plan Specifications
• Key Features & Benefits
• Quick Buying And Claim Process

• Day care procedures
• High sum insured
• 6-hour response guarantee

• Adventure sport injuries
• Self-inflicted injuries
• War

• Deductibles offered
• Covers family members
• Versatile plan

• Min entry age: 18 years
• Max entry age: 65 years
• Initial Waiting Period: 30 days
• Sum Insured: Up to 20 Lakhs

HDFC ERGO Koti Suraksha is a health insurance plan that provides a sum insured of up to INR 1 crore. The Koti Suraksha Plan by HDFC ERGO Insurance Com...

Unique Features

• High sum insured
• Health and wellness plan
• Emergency worldwide coverage

• Air ambulance
• OPD cover
• Domiciliary hospitalization
• Emergency global coverage

• Vaccination not covered
• Modern treatment unavailable
• Maternity & newborn baby care unavailable

• In-patient hospitalization
• Daycare procedures
• Health check-up cover

• Entry age: 18 to 65 years
• Sum insured: 50 Lakhs & 1 Crore
• Waiting period: 30 days
• Policy term: 1/2/3 years

HDFC ERGO Optima Restore Policy is HDFC ERGO's best-selling plan since its launch. It offers comprehensive health cover to you and your family under t...

Unique Features

• Recovery benefit
• SI restoration
• Waiting period reduction

• Restore benefit
• 2X Multiplier benefit
• Renewal discounts

• AYUSH not covered
• OPD cover unavailable
• Global health cover

• Recovery benefits
• Organ donor cover
• In-patient and out-patient hospitalization

• Entry Age: 18 - 65 Years
• Sum Insured: 3 | 5 | 10 | 15 | 20 | 25 | 50L
• Initial Waiting Period: 30 Days

HDFC ERGO Optima Lite Health Insurance Plan is an affordable health insurance policy that provides necessary health insurance coverage to individuals ...

Unique Features

• 100% Cumulative Bonus Benefit
• No Room Rent Limits
• Affordable Entry-Level Health Cover

• Affordable premiums
• Unlimited restore benefit
• No disease-wise sub-limits

• Low sum insured options (₹5L–₹7.5L)
• Room rent cap (1% SI) causing deductions
• Not suitable for metro/high-cost treatment needs

• Preventive health check-up every year after 1st renewal
• Covers non-medical expenses (optional Protect benefit)
• Daily cash allowance for shared room hospitalisation

• Entry age: 91 days (children) to 18 years (adults)
• No maximum age limit
• Available for individual and family floater (self
• spouse
• children
• parents)