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| Feature | Acko - Platinum Health PlanRead review | ICICI Lombard - Health AdvantEdgeRead review |
|---|---|---|
| Room Rent Limit | No | No |
| Co-Pay | No | No |
| Disease Sub-limit | No | No |
| Pre Hospitalisation | 60 days | 60 days |
| Post Hospitalisation | 120 days | 180 days |
| Refill of Base Cover | Unlimited (only unrelated) | Unlimited (related and unrelated including complications) |
| Claim in which refill of cover can be applied | NA | Subsequent claims |
| Time when refill will trigger | Partial exhaustion of Sum Insured & No Claim Bonus | |
| Initial Waiting Period | No | 30 days |
| Specific Illness Waiting Period | No | 2 years |
| Pre-existing disease Waiting Period | No | 2 years |
| Day Care | Yes | Yes |
| Domiciliary | Yes | Yes (8 diseases exception) |
| Modern Treatment | NA | Yes (Except robotic surgeries) |
| Road Ambulance | Yes | Yes (sublimit) |
| Air Ambulance | Yes | Yes (upto Base Sum Insured) |
| Consumables | Yes | Add-On |
| Maternity | No | Yes |
| Bonus | Yes (10% upto 100%) (irrespective of claims) | Yes (20% upto 100%) NCB |
| All India Treatment | NA | Zonal Premium and Co-Pay |
| Extra Features | ||
| Affordability | Cheap | Expensive |