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Insurance Plans Comparison

HDFC ERGO myHealth Suraksha Silver vs ICICI Lombard Health Booster

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

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HDFC ERGO

myHealth Suraksha Silver

Cover hospitalisation, cashless home treatment and day care, with 60 days before admission and 180 days after discharge, plus a 5% bonus each claim-free year up to 50% of the sum insured.

What Makes It Special:

HDFC ERGO my:health Suraksha Silver is an older health insurance variant that covers eligible hospitalisation expenses, including room rent and ICU charges at actuals, and provides pre- and post-hospitalisation coverage, daycare treatment, AYUSH treatment and home healthcare, subject to the applicable policy terms.

Best For:

  • Customers checking whether optional benefits such as Sum Insured Rebound are included in their policy schedule.

  • Policyholders who want to understand how optional co-payment choices affect their share of admissible claims.

  • Buyers who want pre- and post-hospitalisation expenses included in their health cover.

  • Individuals seeking cover for eligible inpatient hospitalisation expenses.

  • Existing policyholders reviewing the benefits and conditions of their my:health Suraksha Silver policy.

VS
ICICI Lombard

Health Booster

Buy a super top-up that pays hospital bills above a deductible of ₹3 lakh, ₹4 lakh or ₹5 lakh, with a sum insured from ₹5 lakh to ₹50 lakh, inpatient AYUSH cover and a once-a-year reset for an unrelated illness.

What Makes It Special:

Health Booster is a deductible-based health insurance product designed to provide additional financial protection when eligible hospitalisation expenses exceed the selected deductible. Its value depends on the relationship between the deductible, the available sum insured and the coverage provided by the policyholder's primary health insurance. Waiting periods, eligible expenses, exclusions...

Best For:

  • People who are comfortable checking waiting periods, exclusions and deductible conditions before purchasing additional cover.

  • Buyers comparing a top-up plan with a super top-up plan who want to understand how the deductible is applied to claims.

  • Families looking to increase their overall potential health insurance protection without relying entirely on a single base policy.

  • Buyers who can manage expenses up to the deductible and want cover for eligible expenses above that amount.

  • People who already have health insurance and want additional protection against large medical bills.

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

  • Verify network hospital status and any optional covers before planning treatment or relying on a particular benefit.

  • Confirm whether Sum Insured Rebound has been selected and understand the conditions governing its use.

  • Check the 4-year PED waiting period against your declared medical history and policy start date.

  • Review the selected co-payment percentage to understand your potential out-of-pocket share of admissible claims.

  • Check the UIN and policy schedule to confirm that your policy is Silver and not Silver Smart.

  • Before buying, compare the premium, deductible, sum insured and claim conditions with the cost of increasing your existing base policy.

  • If you expect to claim for a specific treatment, verify that the treatment is covered and that its waiting period and exclusions are satisfied.

  • If you have a pre-existing disease, check that it has been disclosed and accepted and understand the applicable waiting period before relying on the cover.

  • If you may have several hospitalisation claims in one year, confirm whether the deductible applies per claim or on an aggregate basis under your specific policy version.

  • If you already have a base health policy, compare its sum insured with the Health Booster deductible to identify any potential coverage gap.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

myHealth Suraksha Silver
myHealth Suraksha Silver

Health Insurance Plan

VS
Health Booster
Health Booster

Health Insurance Plan

Brochure

Room Rent

myHealth Suraksha Silver

1% of Sum Insured per day, subject to a maximum of ₹5,000 per day (if Room Rent Restriction Option is selected)

2% of Sum Insured per day, subject to a maximum of ₹10,000 per day (if Room Rent Restriction Option is selected)

VS

Health Booster

  1. Normal: Single private A/C room
  2. ICU: No limit, expenses incurred would be covered by the policy.
Advanced Treatments

myHealth Suraksha Silver

All Advance Treatment are Covered

VS

Health Booster

  1. Uterine Artery Embolization and HIFU (High intensity focused ultrasound) 
  2. Immunotherapy- Monoclonal Antibody to be given as injection 
  3.  Vaporization of the prostrate (Green laser treatment or holmium laser treatment) 
  4. Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions
  5.  Balloon Sinuplasty 
  6. Oral Chemotherapy and many more
ICU Charges

myHealth Suraksha Silver

At actuals, subject to policy terms.

VS

Health Booster

Information Unavailable

Co-payment

myHealth Suraksha Silver

Optional Co-payment available

VS

Health Booster

This does not apply if the insured is 60 years of age or below. However, this condition will not be applicable if you were aged 45 years or below at the time of buying this policy for the first time and have renewed it continuously after that.

Disease-wise sublimits

myHealth Suraksha Silver

No complete Silver-specific confirmation available; check the applicable policy wording.

VS

Health Booster

No comprehensive disease-wise sublimit list has been confirmed for the referenced policy wording. Check the policy schedule and applicable benefit conditions.

Cashless Healthcare Providers

myHealth Suraksha Silver

Available through network hospitals

VS

Health Booster

10,896 cashless healthcare

Restoration Benefit

myHealth Suraksha Silver

Sum Insured Rebound is an optional benefit under Silver; it is subject to conditions and is not unlimited restoration.

VS

Health Booster

Information Unavailable

Daycare Treatment

myHealth Suraksha Silver

Covered

VS

Health Booster

150 medical expenses incurred by you while undergoing Specified Day Care Treatment, which require less than 24 hours hospitalization are covered by the policy.

Cumulative Bonus

myHealth Suraksha Silver

5% per claim-free year, up to 50% of basic sum insured.

VS

Health Booster

Additional Sum Insured increases by 10% of the base sum insured for each claim-free policy year, up to 50%. A claim in a subsequent policy period reduces the accrued amount by 10% of the sum insured at renewal.

AYUSH Treatment

myHealth Suraksha Silver

Covered

VS

Health Booster

Covered by the policy..

Consumable Cover

myHealth Suraksha Silver

Medicines, drugs and consumables are included in listed medical expenses, subject to policy terms.

VS

Health Booster

Not verified as a standard benefit for this policy version.

Initial Waiting Period

myHealth Suraksha Silver

30 days for illnesses; accident-related claims are generally exempt.

VS

Health Booster

Subject to policy wording and applicable exceptions. Confirm the applicable schedule before publishing a definitive duration.

Specific Waiting Period

myHealth Suraksha Silver

24 months for listed illnesses and procedures.

VS

Health Booster

2 years for specified diseases and procedures, subject to policy terms.

PED Waiting Period

myHealth Suraksha Silver

4 years under the older Silver variant terms.

VS

Health Booster

2 years for pre-existing diseases declared and accepted by the insurer.

Modern Treatment

myHealth Suraksha Silver

Information Unavailable

VS

Health Booster

Covered subject to the sum insured, deductible and policy terms.

Annual Health Checkup

myHealth Suraksha Silver

Available after 4 consecutive claim-free policy years under the older prospectus; eligibility and limits apply.

VS

Health Booster

Not confirmed for the policy wording referenced here.

Pre-Hospitalisation

myHealth Suraksha Silver

60 days for eligible expenses.

VS

Health Booster

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

Post-Hospitalisation

myHealth Suraksha Silver

180 days for eligible expenses.

VS

Health Booster

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

Outpatient Department Cover (OPD Expense)

myHealth Suraksha Silver

Not covered as a standard OPD benefit; verify any separately selected optional cover.

VS

Health Booster

Routine outpatient consultations and treatment are not listed as a standard base-cover benefit.

Deductible Option

myHealth Suraksha Silver

Not verified for the exact Silver variant.

VS

Health Booster

A deductible applies before eligible hospitalisation claims become payable. The selected amount and its application are specified in the policy schedule. Under the Super Top-up structure, the deductible applies to aggregate hospitalisation expenses during the policy year.

Coverage Options

myHealth Suraksha Silver

Individual and Family Floater; sum-insured options depend on the applicable policy version.

VS

Health Booster

Available as a Super Top-up health insurance plan, with the selected sum insured, deductible and individual or floater configuration specified in the policy schedule.

Claim Settlement Ratio

myHealth Suraksha Silver

97.45% for HDFC ERGO health claims in FY 2024–25, calculated using claims settled against claims available to settle. This is insurer-level, not product-specific.

VS

Health Booster

FY 24-25: ~84%

Maternity Cover

myHealth Suraksha Silver

Exact Silver-specific coverage for modern treatments not verified.

VS

Health Booster

Not listed as a standard benefit in the referenced policy wording.

Insurance Plans Comparison

Still Confused? Get Expert Advice

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Why Choose Our Expert Consultation?

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Talk to experienced advisors at no cost, and make confident decisions

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24/7 Claim Assistance

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

Expert-Led Policy Review

  • 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

Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

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Family Health Plan

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

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

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