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Myhealth Suraksha Gold Vs Health Booster Supertopup Individual Adult 1 Year N

Insurance Plans Comparison

HDFC ERGO myHealth Suraksha Gold 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 coverage, benefits, and premiums to find the perfect plan for your needs.

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

myHealth Suraksha Gold

Health insurance with hospitalisation cover and restoration benefits

What Makes It Special:

my:health Suraksha Gold is an older HDFC ERGO health insurance variant that provides hospitalisation-related benefits, including eligible pre- and post-hospitalisation expenses, daycare treatment, AYUSH treatment and Sum Insured Rebound, subject to the applicable policy wording and schedule.

Best For:

Existing policyholders reviewing the terms and benefits of an older my:health Suraksha Gold policy.
People who value a restoration-style benefit for a subsequent hospitalisation, subject to policy conditions.
Buyers who want pre- and post-hospitalisation expenses included in their health insurance cover.
Families considering an individual or family floater policy, subject to the applicable eligibility conditions.
Individuals looking for cover for eligible hospitalisation and related medical expenses.

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.

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Quick Decision Guide

HDFC ERGO myHealth Suraksha Gold

Confirm hospital network status, cashless eligibility and the applicable policy wording before planned treatment.
Verify the conditions for Sum Insured Rebound, including when it becomes available and how much can be used for a subsequent claim.
Review the 24-month specific-disease waiting period and applicable PED waiting period against your medical history.
Check the applicable co-payment and room-rent terms to understand how much of an admissible claim you may need to pay yourself.
Confirm the exact Gold variant and UIN on your policy schedule before relying on benefit limits or waiting periods.

ICICI Lombard Health Booster SuperTopup Individual Adult 1 Year N

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

myHealth Suraksha Gold

Health Insurance Plan

Brochure

Policy Wording

Health Booster SuperTopup Individual Adult 1 Year N

Health Insurance Plan

Brochure

Room Rent
myHealth Suraksha Gold At actuals in the older prospectus; room-rent modification options may alter the applicable terms.	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
myHealth Suraksha Gold At actuals under the older prospectus terms.	Health Booster SuperTopup Individual Adult 1 Year N Covered as part of eligible in-patient hospitalisation expenses, subject to the deductible and policy terms.

Co-payment
myHealth Suraksha Gold Optional co-payment choices of 15% or 25% are shown for the relevant variant family; verify the selected Gold configuration.	Health Booster SuperTopup Individual Adult 1 Year N Not verified for this exact variant.

Disease-wise sublimits
myHealth Suraksha Gold No complete variant-specific confirmation available; check the applicable policy schedule and wording.	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.

Cashless Healthcare Providers
myHealth Suraksha Gold 12,000+ cashless network hospitals, as stated on HDFC ERGO’s insurer website; the network and cashless eligibility should be checked at the time of treatment.	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
myHealth Suraksha Gold Sum Insured Rebound is listed. It is subject to claim-related conditions and is not an unlimited restoration benefit.	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.

Restoration Benefit

myHealth Suraksha Gold

Sum Insured Rebound is listed. It is subject to claim-related conditions and is not an unlimited restoration benefit.

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.

Cumulative Bonus
myHealth Suraksha Gold 10% per claim-free year, up to 100% of basic sum insured in the older variant table; confirm the applicable Gold version.	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.

Daycare Treatment
myHealth Suraksha Gold Covered, subject to the applicable policy wording and eligible procedures.	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.

Consumable Cover
myHealth Suraksha Gold Medical consumables are referenced within hospitalisation expenses; specific non-medical expense coverage depends on applicable terms and optional cover.	Health Booster SuperTopup Individual Adult 1 Year N Not verified for this exact variant.

AYUSH Treatment
myHealth Suraksha Gold Inpatient alternative treatments, including Ayurveda, Unani, Siddha and Homeopathy, subject to policy terms.	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
myHealth Suraksha Gold 30 days, subject to policy terms and accident-related exceptions.	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
myHealth Suraksha Gold 24 months for listed illnesses and procedures.	Health Booster SuperTopup Individual Adult 1 Year N 24 months for specified illnesses and treatments, subject to the policy wording.

PED Waiting Period
myHealth Suraksha Gold 48 months under the identified older Gold terms; modification may apply if selected and specified in the policy schedule.	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
myHealth Suraksha Gold Not verified for the exact Gold version; refer to applicable policy wording.	Health Booster SuperTopup Individual Adult 1 Year N Not verified for this exact variant.

Annual Health Checkup
myHealth Suraksha Gold Preventive health check-up booster is listed as an optional cover; exact limit and eligibility require confirmation.	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
myHealth Suraksha Gold 60 days under the older prospectus.	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
myHealth Suraksha Gold 180 days under the older prospectus.	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)
myHealth Suraksha Gold Not covered as a standard benefit in the older variant table.	Health Booster SuperTopup Individual Adult 1 Year N Routine OPD coverage is not verified for this exact variant.

Deductible Option
myHealth Suraksha Gold Not verified for the exact Gold version.	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
myHealth Suraksha Gold Individual and Family Floater; sum-insured availability depends on the applicable version.	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
myHealth Suraksha Gold 98.85% — HDFC ERGO health claims, number-based settlement ratio for FY 2024–25, as reported from IRDAI data. This is insurer-level, not product-specific.	Health Booster SuperTopup Individual Adult 1 Year N FY 24-25: ~84%

Maternity Cover
myHealth Suraksha Gold Not covered as a standard benefit in the identified older Gold variant table. Do not assume optional maternity cover applies without verifying the exact policy schedule.	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

Detailed Features Comparison

Compare the key features of different health insurance plans

myHealth Suraksha Gold

Health Insurance Plan

Brochure

Policy Wording

Health Booster SuperTopup Individual Adult 1 Year N

Health Insurance Plan

Brochure

Room Rent
myHealth Suraksha Gold At actuals in the older prospectus; room-rent modification options may alter the applicable terms.
VS 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
myHealth Suraksha Gold At actuals under the older prospectus terms.
VS 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.

Co-payment
myHealth Suraksha Gold Optional co-payment choices of 15% or 25% are shown for the relevant variant family; verify the selected Gold configuration.
VS VS
Health Booster SuperTopup Individual Adult 1 Year N Not verified for this exact variant.

Disease-wise sublimits
myHealth Suraksha Gold No complete variant-specific confirmation available; check the applicable policy schedule and wording.
VS 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.

Cashless Healthcare Providers
myHealth Suraksha Gold 12,000+ cashless network hospitals, as stated on HDFC ERGO’s insurer website; the network and cashless eligibility should be checked at the time of treatment.
VS 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
myHealth Suraksha Gold Sum Insured Rebound is listed. It is subject to claim-related conditions and is not an unlimited restoration benefit.
VS 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.

Cumulative Bonus
myHealth Suraksha Gold 10% per claim-free year, up to 100% of basic sum insured in the older variant table; confirm the applicable Gold version.
VS 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.

Daycare Treatment
myHealth Suraksha Gold Covered, subject to the applicable policy wording and eligible procedures.
VS 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.

Consumable Cover
myHealth Suraksha Gold Medical consumables are referenced within hospitalisation expenses; specific non-medical expense coverage depends on applicable terms and optional cover.
VS VS
Health Booster SuperTopup Individual Adult 1 Year N Not verified for this exact variant.

AYUSH Treatment
myHealth Suraksha Gold Inpatient alternative treatments, including Ayurveda, Unani, Siddha and Homeopathy, subject to policy terms.
VS 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
myHealth Suraksha Gold 30 days, subject to policy terms and accident-related exceptions.
VS 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
myHealth Suraksha Gold 24 months for listed illnesses and procedures.
VS VS
Health Booster SuperTopup Individual Adult 1 Year N 24 months for specified illnesses and treatments, subject to the policy wording.

PED Waiting Period
myHealth Suraksha Gold 48 months under the identified older Gold terms; modification may apply if selected and specified in the policy schedule.
VS 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
myHealth Suraksha Gold Not verified for the exact Gold version; refer to applicable policy wording.
VS VS
Health Booster SuperTopup Individual Adult 1 Year N Not verified for this exact variant.

Annual Health Checkup
myHealth Suraksha Gold Preventive health check-up booster is listed as an optional cover; exact limit and eligibility require confirmation.
VS 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
myHealth Suraksha Gold 60 days under the older prospectus.
VS 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
myHealth Suraksha Gold 180 days under the older prospectus.
VS 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)
myHealth Suraksha Gold Not covered as a standard benefit in the older variant table.
VS VS
Health Booster SuperTopup Individual Adult 1 Year N Routine OPD coverage is not verified for this exact variant.

Deductible Option
myHealth Suraksha Gold Not verified for the exact Gold version.
VS 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
myHealth Suraksha Gold Individual and Family Floater; sum-insured availability depends on the applicable version.
VS 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
myHealth Suraksha Gold 98.85% — HDFC ERGO health claims, number-based settlement ratio for FY 2024–25, as reported from IRDAI data. This is insurer-level, not product-specific.
VS VS
Health Booster SuperTopup Individual Adult 1 Year N FY 24-25: ~84%

Maternity Cover
myHealth Suraksha Gold Not covered as a standard benefit in the identified older Gold variant table. Do not assume optional maternity cover applies without verifying the exact policy schedule.
VS 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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Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

Family Health Plan

One policy covers the entire family
High sum insured with cashless care
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Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

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