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Insurance Plans Comparison

HDFC ERGO EquiCover vs ICICI Lombard Health Booster SuperTopup Individual Adult 1 Year N

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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HDFC ERGO

EquiCover

Get inpatient hospitalisation for a certified disability or for people living with HIV/AIDS, excluding anti-retroviral treatment, plus AYUSH care up to the sum insured and a 20% co-pay on every claim.

What Makes It Special:

EquiCover is an indemnity health insurance product specifically filed for applicants who are routinely declined or heavily loaded on standard plans: persons certified with not less than 40% of a specified disability under the Rights of Persons with Disabilities Act 2016 or the Mental Healthcare Act 2017, and individuals with...

Best For:

  • Families covering a dependent child with a certified disability, since children can be enrolled on an individual policy of their own

  • Buyers who want a first layer of hospitalisation cover and are willing to pay extra to remove the standard 20% co-payment

  • Applicants with one of the 21 listed disabilities — including blindness, locomotor disability, thalassemia, haemophilia, sickle cell disease, autism spectrum disorder, cerebral palsy, mental illness and Parkinson's disease

  • Individuals living with HIV/AIDS seeking in-patient hospitalisation cover for medical conditions generally

  • Persons holding a disability certificate for not less than 40% of a specified disability from a government-appointed medical board, who cannot obtain standard health cover

VS
ICICI Lombard

Health Booster SuperTopup Individual Adult 1 Year N

Additional health insurance protection for eligible hospitalisation expenses beyond a selected deductible.

What Makes It Special:

Health Booster is a Super Top-up health insurance product intended to provide additional protection against eligible medical expenses once the applicable aggregate deductible is crossed.

Best For:

  • Individuals comparing top-up options based on deductible, sum insured, waiting periods and covered hospitalisation expenses.

  • Buyers comfortable with a Super Top-up structure in which eligible expenses are aggregated during the policy year.

  • Individuals who can manage eligible medical expenses falling within the deductible.

  • Adults who already have a base health insurance policy and want an additional layer of medical expense protection.

  • Individuals seeking additional protection against high hospitalisation expenses beyond a chosen deductible.

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

  • If you are being covered for HIV/AIDS, note that antiretroviral treatment costs are excluded, so budget for that medication separately.

  • A disability certificate from a government-appointed medical board is a condition precedent to the disability cover, so obtain and keep it before applying.

  • The sum insured is limited to ₹4 lakh or ₹5 lakh, so treat this as a base layer and consider whether a separate top-up or group cover is available to you for larger claims.

  • Room rent is capped at 1% of sum insured per day and ICU at 2%, which on a ₹5 lakh cover is ₹5,000 and ₹10,000 a day, so check those limits against room rates at the hospitals you would use.

  • Price the optional co-payment waiver before buying, because without it you bear 20% of every admissible claim — ₹1 lakh on a ₹5 lakh claim at the maximum sum insured.

  • Verify the exact UIN, policy schedule, deductible and included benefits for the “SuperTopup Individual Adult 1 Year N” variant before purchasing.

  • Confirm that the applicable policy covers the treatments and hospital expenses you expect to claim, including any relevant exclusions or limits.

  • Review the initial, specific-disease and pre-existing disease waiting periods before relying on the policy for planned treatment.

  • Compare the selected sum insured with the potential cost of major hospitalisation before choosing the cover amount.

  • Check whether the deductible is aligned with your existing health insurance cover and the amount you could pay yourself.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

EquiCover
EquiCover

Health Insurance Plan

VS
Health Booster SuperTopup Individual Adult 1 Year N
Health Booster SuperTopup Individual Adult 1 Year N

Health Insurance Plan

Brochure

Room Rent

EquiCover

Normal: Up to 1% of Sum Insured per day

ICU: Up to 2% of Sum Insured per day

VS

Health Booster SuperTopup Individual Adult 1 Year N

Room rent forms part of eligible in-patient hospitalisation expenses; any specific limits for this variant are not verified.

ICU Charges

EquiCover

Up to 2% of Sum Insured per day

VS

Health Booster SuperTopup Individual Adult 1 Year N

Covered as part of eligible in-patient hospitalisation expenses, subject to the deductible and policy terms.

Advanced Treatments

EquiCover

Uterine Artery Embolization (UAE)

HIFU (High Intensity Focused Ultrasound)

Balloon Sinuplasty

Deep Brain Stimulation

Oral Chemotherapy

Immunotherapy (Monoclonal Antibody Injection)

Intra Vitreal Injections

Robotic Surgeries

Stereotactic Radio Surgeries

Bronchial Thermoplasty

Vaporisation of Prostate

IONM (Intra Operative Neuro Monitoring)

Hematopoietic Stem Cell Therapy for Bone Marrow Transplant

VS

Health Booster SuperTopup Individual Adult 1 Year N

Information Unavailable

Co-payment

EquiCover

20% Co-payment on every admissible claim

VS

Health Booster SuperTopup Individual Adult 1 Year N

Not verified for this exact variant.

Disease-wise sublimits

EquiCover

Yes — cataract treatment limited to ₹40,000 per eye per policy year; modern treatment capped at 50% of Sum Insured; emergency ground ambulance limited to ₹2,000 per hospitalisation

VS

Health Booster SuperTopup Individual Adult 1 Year N

Not verified for this exact variant. Refer to the applicable policy schedule for any benefit-specific limits.

Waiting Period

EquiCover

Initial Waiting Period: 30 Days

Pre-existing Disease Waiting Period:

  1. 24 Months for pre-existing disability
  2. 36 Months for other pre-existing conditions

Specific Disease/Procedure Waiting Period: 24 Months

VS

Health Booster SuperTopup Individual Adult 1 Year N

Information Unavailable

Cashless Healthcare Providers

EquiCover

Cashless treatment available through network providers

VS

Health Booster SuperTopup Individual Adult 1 Year N

Cashless treatment is available at eligible network hospitals, subject to policy terms and hospital status. The current network count has not been verified.

Restoration Benefit

EquiCover

Not specified — no restoration, recharge or reinstatement of sum insured is provided in the policy document

VS

Health Booster SuperTopup Individual Adult 1 Year N

The insurer's general Health Booster information describes a reset of up to 100% of the sum insured once per policy year for eligible plans with a sum insured/deductible of ₹3 lakh or more. It applies to future eligible claims, does not trigger for the first claim and has restrictions for claims related to the same illness, disease or injury for the same person. Applicability to this exact variant is not verified.

Daycare Treatment

EquiCover

Covered

VS

Health Booster SuperTopup Individual Adult 1 Year N

Eligible daycare procedures are listed in the insurer's Health Booster key information, subject to policy terms.

Cumulative Bonus

EquiCover

Not specified — no cumulative bonus or no-claim increase in sum insured is provided in the policy document

VS

Health Booster SuperTopup Individual Adult 1 Year N

The insurer's general Health Booster FAQ describes an Additional Sum Insured of 10% of the base sum insured for each claim-free renewal year, up to 50%; a claim can reduce the accrued amount. Applicability to this exact variant is not verified.

Consumable Cover

EquiCover

Not specified

VS

Health Booster SuperTopup Individual Adult 1 Year N

Not verified for this exact variant.

AYUSH Treatment

EquiCover

Covered up to 100% of Sum Insured

VS

Health Booster SuperTopup Individual Adult 1 Year N

In-patient AYUSH hospitalisation is listed in the insurer's published Health Booster key information, subject to policy terms. Applicability to this exact variant is not verified.

Initial Waiting Period

EquiCover

30 days for all claims except those resulting from an accident; not applicable after twelve months of continuous coverage

VS

Health Booster SuperTopup Individual Adult 1 Year N

30 days for illnesses, except hospitalisation due to bodily injury, according to the insurer's general Health Booster information. Applicability to this exact variant should be confirmed.

Specific Waiting Period

EquiCover

24 months for listed conditions and surgical procedures; not applicable to accident claims

VS

Health Booster SuperTopup Individual Adult 1 Year N

24 months for specified illnesses and treatments, subject to the policy wording.

PED Waiting Period

EquiCover

24 months for the covered pre-existing disability; 36 months for other pre-existing conditions, excluding the covered disability and HIV/AIDS

VS

Health Booster SuperTopup Individual Adult 1 Year N

24 months of continuous coverage for pre-existing diseases declared and accepted by the insurer, according to the general Health Booster information.

Modern Treatment

EquiCover

Listed procedures covered up to 50% of Sum Insured, as in-patient or day care treatment

VS

Health Booster SuperTopup Individual Adult 1 Year N

Not verified for this exact variant.

Annual Health Checkup

EquiCover

Not specified. A pre-policy check-up may be required based on age and sum insured, with 100% of the expense reimbursed on acceptance of the proposal

VS

Health Booster SuperTopup Individual Adult 1 Year N

The insurer's published Health Booster information mentions wellness and preventive healthcare, including routine health check-ups. Availability and limits for this exact variant are not verified.

Pre-Hospitalisation

EquiCover

Information Unavailable

VS

Health Booster SuperTopup Individual Adult 1 Year N

Eligible expenses are covered for up to 60 days before hospitalisation, subject to policy terms.

Post-Hospitalisation

EquiCover

60 days from the date of discharge; claimable on a reimbursement basis only

VS

Health Booster SuperTopup Individual Adult 1 Year N

Eligible expenses are covered for up to 90 days after hospitalisation, subject to policy terms.

Outpatient Department Cover (OPD Expense)

EquiCover

Not specified

VS

Health Booster SuperTopup Individual Adult 1 Year N

Routine OPD coverage is not verified for this exact variant.

Deductible Option

EquiCover

Not specified

VS

Health Booster SuperTopup Individual Adult 1 Year N

A deductible applies before eligible base medical claims become payable. For a Super Top-up plan, the deductible is applied to aggregate eligible hospitalisation expenses during the policy year; the amount for this variant is not verified.

Coverage Options

EquiCover

Information Unavailable

VS

Health Booster SuperTopup Individual Adult 1 Year N

The selected sum insured, deductible and policy configuration for this variant are not verified.

Claim Settlement Ratio

EquiCover

97.45%

VS

Health Booster SuperTopup Individual Adult 1 Year N

FY 24-25: ~84%

Maternity Cover

EquiCover

Information Unavailable

VS

Health Booster SuperTopup Individual Adult 1 Year N

Not verified for this exact variant; not listed among the standard benefits in the referenced Health Booster key information.

Insurance Plans Comparison

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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

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  • 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

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Equicover Vs Health Booster Supertopup Individual Adult 1 Year N

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