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/ICU / ICCU Charges
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Pick a coverage concern and see its exact policy terms, compared side-by-side across top Indian health insurance plans.
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Big hospital bills
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Step 3Plan Comparison
What is ICU / ICCU Charges in health insurance?
Covers the cost of staying in the Intensive Care Unit (ICU) or Cardiac Care Unit. A single serious event like a heart attack or major surgery can exhaust your entire cover in just a few days if the ICU limit is low. Plans that cover ICU without any cap offer the best protection.
Every plan, ranked11 · 11 strong
Star HealthStrongSuper StarNo cap - covered at actual cost
Strong
ICU charges are paid at actual cost up to your Sum Insured, with no daily cap and no percentage ceiling.
Coverage detailstap any row to understand it
ICU cost limitNo cap - covered at actual cost
ICU Modification Rider AvailableNo
HDFC ERGOStrongOptima RestoreNo cap - covered at actual cost
Strong
ICU has no separate cap. Intensive Care Unit charges are listed inside the in-patient benefit and are paid up to your Sum Insured, with no per-day limit and no percentage ceiling. A long stay in intensive care is limited only by the cover you bought.
Coverage detailstap any row to understand it
ICU cost limitNo cap - covered at actual cost
ICU Modification Rider AvailableNo
Watch out
ICU days do not earn the daily cash benefit for shared accommodation, because that benefit excludes time spent in an intensive care unit. Nothing is set aside for ICU either, so a long stay can use up the whole Sum Insured.
Star HealthStrongStar ComprehensiveNo cap - covered at actual cost
Strong
ICU charges are paid at actual cost up to your Sum Insured. There is no daily ICU cap and no separate ICU sub-limit anywhere in the policy. The policy also keeps ICU charges out of the proportionate deduction that applies when you take a room above your category, so a room upgrade does not reduce what the insurer pays for intensive care.
Coverage detailstap any row to understand it
ICU cost limitNo cap - covered at actual cost
ICU Modification Rider AvailableNo
Star HealthStrongFamily Health OptimaNo cap - covered at actual cost
Strong
ICU charges are paid as part of in-patient treatment with no daily cap and no separate ceiling - the full Sum Insured is available for intensive care. The policy also keeps ICU charges out of the proportionate deduction, so choosing a room above your category never reduces what the insurer pays for the ICU.
Coverage detailstap any row to understand it
ICU cost limitNo cap - covered at actual cost
ICU Modification Rider AvailableNo
Watch out
ICU spending still draws on the same Sum Insured as the rest of the claim, so a long stay at ₹25,000 a day can use up a ₹5 lakh cover in under three weeks.
ICICI LombardStrongElevateNo cap - covered at actual cost
Strong
ICU charges are covered at actual cost with no daily cap. The pro-rata cut for taking a costlier room does not apply to ICU charges. A cap appears only if you choose the Room Modifier option that limits ICU to 2% of the Sum Insured per day.
Coverage detailstap any row to understand it
ICU cost limitNo cap - covered at actual cost
ICU Modification Rider AvailableYes
ICU Always at Actuals - Unaffected by Room Rent Add-onNo
Watch out
The 2% per day cap comes bundled with a 1% per day room cap under Optional Cover 28 - you cannot take one without the other. The default cover has no ICU limit at all.
Care HealthStrongCare AdvantageNo cap - covered at actual cost
Strong
ICU charges carry no separate limit. Eligibility is stated as 'no sub-limit', so ICU days are paid from your Sum Insured at actual cost. Optional Cover 8, which caps the room, supersedes only the room clause and leaves ICU untouched.
Coverage detailstap any row to understand it
ICU cost limitNo cap - covered at actual cost
ICU Modification Rider AvailableNo
Aditya BirlaStrongActiv One · VYTLNo cap - covered at actual cost
Strong
ICU and ICCU charges are paid at actual cost up to the Sum Insured on every plan, with no daily cap and no separate ICU sub-limit. A long stay in intensive care is limited only by how much Sum Insured you have left.
Coverage detailstap any row to understand it
ICU cost limitNo cap - covered at actual cost
ICU Modification Rider AvailableNo
Watch out
ICU charges here take in the ICU bed, the monitoring devices, critical care nursing and the intensivist's fee, so those are settled as part of the ICU charge rather than billed to you separately.
Care HealthStrongCare SupremeNo cap - covered at actual cost
Strong
ICU and ICCU charges have no separate cap. Your intensive care stay is paid up to the Sum Insured, and the policy states this stays true even if you buy the Room Rent Modification option that limits your ordinary room category.
Coverage detailstap any row to understand it
ICU cost limitNo cap - covered at actual cost
ICU Modification Rider AvailableNo
Watch out
ICU stays draw from the same Sum Insured as the rest of your hospital bill, so several days in intensive care at Rs 30k to Rs 50k can use up a large part of your cover even though there is no ICU sub-limit.
Star HealthStrongStar Health AssureNo cap - covered at actual cost
Strong
ICU and operation theatre charges are paid at actuals, with no daily cap, at every Sum Insured. ICU charges are also kept outside the proportionate deduction that applies when you exceed your room entitlement, so a room upgrade does not reduce what the insurer pays for intensive care.
Coverage detailstap any row to understand it
ICU cost limitNo cap - covered at actual cost
ICU Modification Rider AvailableNo
Watch out
ICU spending still draws down the same Sum Insured as the rest of the claim, so a long intensive care stay can use up your cover even without a daily cap.
HDFC ERGOStrongOptima Secure · Optima-SelectNo cap - covered at actual cost
Strong
ICU and ICCU bed charges are paid at actuals on every plan except Optima Lite, which limits them to 2% of base sum insured per day. Even where you choose a lower room category, ICU stays at actuals.
Coverage detailstap any row to understand it
ICU cost limitNo cap - covered at actual cost
ICU Modification Rider AvailableYes
ICU Always at Actuals - Unaffected by Room Rent Add-onYes
Watch out
On Optima Lite, 2% of a ₹5,00,000 base sum insured is ₹10,000 a day, and ICU beds in metro hospitals often cost a lot more than that. The room-rent modification on the other plans leaves ICU untouched, so downgrading your room does not downgrade your ICU cover.
Niva BupaStrongReAssure 3.0 · BlackNo cap - covered at actual cost
Strong
ICU has no daily cap and no separate sub-limit on any plan, so the ICU bill runs up to your Sum Insured. On Classic, Select and Elite it follows your plan's room category: take a room above that category and the flat co-pay from Annexure V applies to the entire claim, ICU days included. Black has no room capping, so its ICU is paid at actual cost with no co-pay.
Coverage detailstap any row to understand it
ICU cost limitNo cap - covered at actual cost
ICU Modification Rider AvailableNo
Watch out
The Annexure V co-payment is applied on the entire claim and the policy does not set ICU charges aside, so an ICU stay is cut too. Most plans in this catalogue spare ICU from the room penalty in writing; this one does not.
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Or read one we prepared for ICU / ICCU ChargesSuper Star vs Optima RestoreSuper Star vs Star ComprehensiveOptima Restore vs Star Comprehensive
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