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OneAssure allows you to compare multiple health insurance policies side by side, analyzing coverage, premiums, hospital networks, and benefits to choose the most suitable plan for your needs.

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Cashless claims let you get treatment at network hospitals without paying upfront, while reimbursement claims require you to pay first and get refunded later.

Does OneAssure provide expert guidance while selecting health insurance with maternity or newborn coverage?

Yes, OneAssure’s insurance experts guide you in selecting plans with maternity benefits, newborn cover, and short waiting periods for family planning needs.

How do co-payment clauses impact health insurance premiums and claim settlements?

Co-payment means you share a part of the claim cost. Opting for co-pay lowers your premium but increases your out-of-pocket expenses.

Which health insurance plan offers the best coverage for critical illnesses and pre-existing diseases?

Plans with comprehensive coverage, minimal waiting periods, and optional critical illness riders are ideal. OneAssure helps identify policies that best meet these requirements.

Can I compare waiting periods and sub-limits for hospitalisation expenses on OneAssure?

Yes, OneAssure’s comparison tool highlights waiting periods, sub-limits, and exclusions so you can choose a policy that maximizes benefits and minimizes restrictions.

What are room rent limits in health insurance, and how do they affect claims?

Room rent limits cap the daily room cost covered by your insurer. Choosing a plan without strict limits ensures higher claim payouts.

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How can I check if a health insurance plan covers daycare procedures and modern treatments?

OneAssure’s policy comparison clearly lists daycare and advanced treatment coverage, helping you pick a plan aligned with your healthcare needs.

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Compare Health Insurance Plans

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

Insurance Plans Comparison

HDFC ERGO myHealth Suraksha Platinum 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 Platinum

Hospitalisation cover with flexible optional benefits

What Makes It Special:

HDFC ERGO my:health Suraksha Platinum is an older health insurance variant that covers eligible hospitalisation expenses, including room rent and ICU charges, and provides pre- and post-hospitalisation benefits, daycare treatment and a cumulative bonus, subject to the applicable policy terms.

Best For:

Customers reviewing whether Sum Insured Rebound or other optional covers are included in their existing policy schedule.
Policyholders who want to understand the effect of optional co-payment choices on their out-of-pocket expenses.
Buyers who value pre- and post-hospitalisation expense coverage.
Individuals seeking cover for eligible inpatient hospitalisation expenses.
Existing policyholders reviewing the benefits and conditions of their my:health Suraksha Platinum policy.

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 Platinum

Verify the applicable OPD benefit, network hospital status and any optional covers before planning treatment.
Confirm whether Sum Insured Rebound is selected and review the conditions governing its use.
Check the 3-year PED waiting period against your declared medical history and policy start date.
Review your selected co-payment percentage to understand how much of an admissible claim you may need to pay.
Check the UIN and policy schedule to confirm that your cover is the older Platinum variant rather than Platinum Smart.

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 Platinum

Health Insurance Plan

Brochure

Policy Wording

Health Booster SuperTopup Individual Adult 1 Year N

Health Insurance Plan

Brochure

Room Rent
myHealth Suraksha Platinum Normal: Room Rent, Boarding & Nursing Charges Covered ICU: Intensive Care Unit Charges Covered	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.

Advanced Treatments
myHealth Suraksha Platinum Home Healthcare Domiciliary Hospitalization Organ Donor Expenses Air Ambulance (Optional) Global Health Cover (Optional) Major Illness Hospitalization Cover (Optional) Mental Health Treatment	Health Booster SuperTopup Individual Adult 1 Year N Information Unavailable

ICU Charges
myHealth Suraksha Platinum At actuals, subject to policy 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 Platinum No mandatory co-payment mentioned	Health Booster SuperTopup Individual Adult 1 Year N Not verified for this exact variant.

Disease-wise sublimits
myHealth Suraksha Platinum No complete variant-specific confirmation available; verify the applicable policy 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 Platinum Cashless treatment available through network healthcare providers	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 Platinum Sum Insured Rebound is listed as optional; it 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 Platinum

Sum Insured Rebound is listed as optional; it 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.

Daycare Treatment
myHealth Suraksha Platinum Covered	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
myHealth Suraksha Platinum 5% of sum insured for each claim-free year, up to 50% of sum insured.	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.

AYUSH Treatment
myHealth Suraksha Platinum Covered	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.

Consumable Cover
myHealth Suraksha Platinum Medicines, drugs and consumables are included in listed medical expenses; non-medical expense coverage requires verification.	Health Booster SuperTopup Individual Adult 1 Year N Not verified for this exact variant.

Initial Waiting Period
myHealth Suraksha Platinum 30 days for illnesses, 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 Platinum 24 months for specified illnesses and treatments.	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 Platinum 3 years under the older Platinum variant terms.	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 Platinum Not verified for the exact older Platinum variant.	Health Booster SuperTopup Individual Adult 1 Year N Not verified for this exact variant.

Annual Health Checkup
myHealth Suraksha Platinum Preventive health check-up listed as a renewal benefit, subject to applicable terms.	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 Platinum 60 days for eligible expenses.	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 Platinum 180 days for eligible expenses.	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 Platinum ₹2,500 listed in the older variant schedule; confirm the applicable cover and policy schedule.	Health Booster SuperTopup Individual Adult 1 Year N Routine OPD coverage is not verified for this exact variant.

Deductible Option
myHealth Suraksha Platinum Not verified for the exact Platinum variant.	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 Platinum Individual and Family Floater, subject to availability under the applicable policy 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 Platinum 98.85% of claims paid within 3 months in FY 2024–25; this is a claims-paid-within-three-months metric, not a product-specific ratio.	Health Booster SuperTopup Individual Adult 1 Year N FY 24-25: ~84%

Maternity Cover
myHealth Suraksha Platinum Not covered under the older Platinum variant 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 Platinum

Health Insurance Plan

Brochure

Policy Wording

Health Booster SuperTopup Individual Adult 1 Year N

Health Insurance Plan

Brochure

Room Rent
myHealth Suraksha Platinum Normal: Room Rent, Boarding & Nursing Charges Covered ICU: Intensive Care Unit Charges Covered
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.

Advanced Treatments
myHealth Suraksha Platinum Home Healthcare Domiciliary Hospitalization Organ Donor Expenses Air Ambulance (Optional) Global Health Cover (Optional) Major Illness Hospitalization Cover (Optional) Mental Health Treatment
VS VS
Health Booster SuperTopup Individual Adult 1 Year N Information Unavailable

ICU Charges
myHealth Suraksha Platinum At actuals, subject to policy 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 Platinum No mandatory co-payment mentioned
VS VS
Health Booster SuperTopup Individual Adult 1 Year N Not verified for this exact variant.

Disease-wise sublimits
myHealth Suraksha Platinum No complete variant-specific confirmation available; verify the applicable policy 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 Platinum Cashless treatment available through network healthcare providers
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 Platinum Sum Insured Rebound is listed as optional; it 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.

Daycare Treatment
myHealth Suraksha Platinum Covered
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.

Cumulative Bonus
myHealth Suraksha Platinum 5% of sum insured for each claim-free year, up to 50% of sum insured.
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.

AYUSH Treatment
myHealth Suraksha Platinum Covered
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.

Consumable Cover
myHealth Suraksha Platinum Medicines, drugs and consumables are included in listed medical expenses; non-medical expense coverage requires verification.
VS VS
Health Booster SuperTopup Individual Adult 1 Year N Not verified for this exact variant.

Initial Waiting Period
myHealth Suraksha Platinum 30 days for illnesses, 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 Platinum 24 months for specified illnesses and treatments.
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 Platinum 3 years under the older Platinum variant terms.
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 Platinum Not verified for the exact older Platinum variant.
VS VS
Health Booster SuperTopup Individual Adult 1 Year N Not verified for this exact variant.

Annual Health Checkup
myHealth Suraksha Platinum Preventive health check-up listed as a renewal benefit, subject to applicable terms.
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 Platinum 60 days for eligible expenses.
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 Platinum 180 days for eligible expenses.
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 Platinum ₹2,500 listed in the older variant schedule; confirm the applicable cover and policy schedule.
VS VS
Health Booster SuperTopup Individual Adult 1 Year N Routine OPD coverage is not verified for this exact variant.

Deductible Option
myHealth Suraksha Platinum Not verified for the exact Platinum variant.
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 Platinum Individual and Family Floater, subject to availability under the applicable policy 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 Platinum 98.85% of claims paid within 3 months in FY 2024–25; this is a claims-paid-within-three-months metric, not a product-specific ratio.
VS VS
Health Booster SuperTopup Individual Adult 1 Year N FY 24-25: ~84%

Maternity Cover
myHealth Suraksha Platinum Not covered under the older Platinum variant 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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Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

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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
Multiple coverage options based on your family needs

Maternity Health Plan

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

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Having questions? We've got answers. Explore our FAQs to find the information you need.

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