Insurance Plans Comparison
HDFC ERGO Critical Illness Silver Plan vs ICICI Lombard Activate Booster Plan A
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreCritical Illness Silver Plan
Affordable lump-sum cover for 8 major critical illnesses
What Makes It Special:
The Silver Plan pays the sum insured as a single lump sum on first diagnosis of any one of 8 listed critical illnesses after the chosen survival period of 15 or 30 days, and at every age band and sum insured its premium is lower than the Platinum Plan's, which...
Best For:
Buyers topping up an existing critical illness benefit from an employer or a life insurer with additional standalone cover
Younger applicants looking to start critical illness cover early, since entry is permitted from 5 years of age
Buyers who already hold a hospitalisation policy and want a separate lump sum for income loss and non-medical costs
Buyers whose main concern is the four most common critical illness categories — heart, cancer, stroke and kidney failure
Buyers who want critical illness cover at the lowest premium within this product and accept a shorter list of covered conditions
VS
Activate Booster Plan A
Flexible super top-up health insurance with high Sum Insured options and a range of optional covers.
What Makes It Special:
Plan A is a super top-up health insurance option designed to provide additional protection above a chosen deductible, with Sum Insured options up to ₹3 crore and 180 days of post-hospitalisation cover.
Best For:
Advanced benefits with wellness add-ons
Extended healthcare financial protection
High-limit super top-up plan
Maximum flexibility and coverage
Insurance Plans Comparison
Get Personalized Advice
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
Set the sum insured against the income and costs you would need to replace during treatment rather than against expected hospital bills, because the payout is a fixed benefit and not a reimbursement.
Pre-existing conditions carry a 48-month waiting period, so if you have a declared condition, weigh whether the Silver Plan's lower premium still meets your need over that delay.
The benefit is payable once, so treat this as a supplement to a hospitalisation policy and not a substitute for one.
The plan pays only on first diagnosis of a listed condition as defined in the policy, so read the severity thresholds on heart attack, cancer and stroke before assuming a diagnosis will qualify.
Compare the 8-illness list against the Platinum Plan's 15 before choosing, since the Silver Plan excludes Parkinson's disease, Alzheimer's disease, benign brain tumour, end-stage liver failure, surgery of aorta, primary pulmonary hypertension and heart valve replacement or repair.
You want guaranteed deductible reduction with renewals
You want jumpstart for faster pre-existing disease cover
You seek flexible deductible waiver options after 50 years
You prefer high sum insured options for major expenses
You want to top up existing health insurance limits
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Critical Illness Silver Plan Health Insurance Plan VS VS |
![]() Activate Booster Plan A Health Insurance Plan |
| Room Rent |
|---|
Critical Illness Silver Plan Not applicable. |
VS VS |
Activate Booster Plan A Single Private Room is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category |
| ICU Charges |
|---|
Critical Illness Silver Plan Not applicable — hospitalisation expenses are not indemnified under this policy |
VS VS |
Activate Booster Plan A No restriction on ICU room rent |
| Co-payment |
|---|
Critical Illness Silver Plan Not applicable |
VS VS |
Activate Booster Plan A Not available |
| Disease-wise sublimits |
|---|
Critical Illness Silver Plan Not applicable. |
VS VS |
Activate Booster Plan A No |
| Cashless Healthcare Providers |
|---|
Critical Illness Silver Plan 16,000 cashless healthcare providers (insurer-level, as of August 2025). Cashless hospitalisation is not the mechanism of this policy, which pays a lump sum on diagnosis |
VS VS |
Activate Booster Plan A 10,300+ Healthcare Providers |
| Restoration Benefit |
|---|
Critical Illness Silver Plan Not applicable — the benefit is payable once, on first diagnosis |
VS VS |
Activate Booster Plan A Not available |
| Cumulative Bonus |
|---|
Critical Illness Silver Plan Not specified |
VS VS |
Activate Booster Plan A Not available |
| Daycare Treatment |
|---|
Critical Illness Silver Plan Not applicable |
VS VS |
Activate Booster Plan A Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Consumable Cover |
|---|
Critical Illness Silver Plan Not applicable. |
VS VS |
Activate Booster Plan A Yes |
| AYUSH Treatment |
|---|
Critical Illness Silver Plan Not applicable |
VS VS |
Activate Booster Plan A Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Initial Waiting Period |
|---|
Critical Illness Silver Plan 90 days |
VS VS |
Activate Booster Plan A 30 days |
| Specific Waiting Period |
|---|
Critical Illness Silver Plan Not specified. |
VS VS |
Activate Booster Plan A 2 years |
| PED Waiting Period |
|---|
Critical Illness Silver Plan 48 months for all pre-existing conditions declared and/or accepted at application |
VS VS |
Activate Booster Plan A 3 years |
| Modern Treatment |
|---|
Critical Illness Silver Plan Not applicable — this is a fixed-benefit policy paying a lump sum, not an indemnity cover for treatment costs |
VS VS |
Activate Booster Plan A Hospital expenses for listed advanced treatments are covered up to your annual sum insured during the policy period |
| Annual Health Checkup |
|---|
Critical Illness Silver Plan Not specified. A pre-policy medical check may be required based on age and sum insured; 50% of standard medical test charges is reimbursed if conducted at an empanelled diagnostic centre, subject to acceptance of the proposal and policy issuance |
VS VS |
Activate Booster Plan A Not available |
| Pre-Hospitalisation |
|---|
Critical Illness Silver Plan Not applicable |
VS VS |
Activate Booster Plan A You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Critical Illness Silver Plan Not applicable |
VS VS |
Activate Booster Plan A You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it |
| Outpatient Department Cover (OPD Expense) |
|---|
Critical Illness Silver Plan Not applicable |
VS VS |
Activate Booster Plan A OPD expense is not included as part of base cover. However, you can opt for an add-on to avail this coverage |
| Deductible Option |
|---|
Critical Illness Silver Plan Not applicable |
VS VS |
Activate Booster Plan A Available |
| Coverage Options |
|---|
Critical Illness Silver Plan Not specified — cover is written per insured person; no individual/floater structure is stated |
VS VS |
Activate Booster Plan A Available coverage options: ₹10L, 15L, 20L, 25L, 45L, 50L, 85L, 90L, 95L, 1Cr, 3Cr |
| Claim Settlement Ratio |
|---|
Critical Illness Silver Plan 97% approximately |
VS VS |
Activate Booster Plan A 97.16% |
| Maternity Cover |
|---|
Critical Illness Silver Plan Not covered. |
VS VS |
Activate Booster Plan A Not available |
Insurance Plans Comparison
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Insurance Plans Comparison
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