Insurance Plans Comparison
HDFC ERGO Optima Lite vs ICICI Lombard Health Booster
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreOptima Lite
Restore your sum insured unlimited times for the same or a different illness, add 10% of the base sum insured every year even after a claim, up to 100%, and cap room rent at 1% a day.
What Makes It Special:
HDFC ERGO Optima Lite is a health insurance plan with ₹5 lakh and ₹7.5 lakh base sum-insured options, unlimited automatic restoration, cumulative bonus and preventive health check-ups. It also offers optional benefits such as an aggregate deductible, Protect Benefit and Plus Benefit, allowing customers to adjust coverage and premiums according...
Best For:
Policyholders who want the flexibility to add non-medical expense coverage or increase their cover through optional benefits.
Customers looking to manage premiums through an optional aggregate deductible.
Buyers who value repeated restoration of the base sum insured for subsequent admissible claims.
Families considering individual or family floater coverage under one policy.
Individuals seeking a base health cover of ₹5 lakh or ₹7.5 lakh.
VS
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
Check whether Protect Benefit or Plus Benefit is selected, because these optional benefits are not automatically included in every policy.
Consider the aggregate deductible only if you can afford to pay the selected deductible amount when making claims.
Review the waiting periods and confirm the applicable PED terms against your medical history before purchasing.
Check the 1% room-rent and 2% ICU daily limits before choosing the plan, as exceeding the applicable limits may result in proportionate deductions.
Compare the ₹5 lakh and ₹7.5 lakh base options against your expected hospitalisation costs and financial capacity.
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
![]() Optima Lite Health Insurance Plan VS VS |
![]() Health Booster Health Insurance Plan |
| Room Rent |
|---|
Optima Lite Normal: Up to 1% of Base Sum Insured per day ICU: Up to 2% of Base Sum Insured per day |
VS VS |
Health Booster
|
| Advanced Treatments |
|---|
Optima Lite Robotic Surgeries Oral Chemotherapy Deep Brain Stimulation Balloon Sinuplasty Bronchial Thermoplasty Stereotactic Radio Surgeries Intra Vitreal Injections Immunotherapy Vaporisation of Prostate IONM (Intra Operative Neuro Monitoring) Stem Cell Therapy |
VS VS |
Health Booster
|
| ICU Charges |
|---|
Optima Lite Up to 2% of base sum insured per day. |
VS VS |
Health Booster Information Unavailable |
| Co-payment |
|---|
Optima Lite Not mentioned |
VS 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 |
|---|
Optima Lite Not verified for all listed treatments; refer to the applicable policy wording. |
VS 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 |
|---|
Optima Lite 16,000+ Cashless Healthcare Providers |
VS VS |
Health Booster 10,896 cashless healthcare |
| Restoration Benefit |
|---|
Optima Lite Unlimited automatic restoration of up to 100% of base sum insured for subsequent claims during the policy year, subject to conditions. |
VS VS |
Health Booster Information Unavailable |
| Daycare Treatment |
|---|
Optima Lite Covered up to Sum Insured |
VS 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 |
|---|
Optima Lite 10% of base sum insured per policy year, up to 100%, irrespective of claims. |
VS 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 |
|---|
Optima Lite Covered up to Sum Insured |
VS VS |
Health Booster Covered by the policy.. |
| Consumable Cover |
|---|
Optima Lite Optional Protect Benefit covers listed non-medical expenses and consumables. |
VS VS |
Health Booster Not verified as a standard benefit for this policy version. |
| Initial Waiting Period |
|---|
Optima Lite 30 days for illnesses; eligible accidental injury claims are exempt. |
VS VS |
Health Booster Subject to policy wording and applicable exceptions. Confirm the applicable schedule before publishing a definitive duration. |
| Specific Waiting Period |
|---|
Optima Lite 2 years for specified illnesses and procedures. |
VS VS |
Health Booster 2 years for specified diseases and procedures, subject to policy terms. |
| PED Waiting Period |
|---|
Optima Lite Not verified; confirm against the applicable policy wording. |
VS VS |
Health Booster 2 years for pre-existing diseases declared and accepted by the insurer. |
| Modern Treatment |
|---|
Optima Lite Information Unavailable |
VS VS |
Health Booster Covered subject to the sum insured, deductible and policy terms. |
| Annual Health Checkup |
|---|
Optima Lite Available annually after the first policy year; limit depends on policy type. |
VS VS |
Health Booster Not confirmed for the policy wording referenced here. |
| Pre-Hospitalisation |
|---|
Optima Lite 30 days for eligible expenses. |
VS VS |
Health Booster Eligible medical expenses are covered for up to 60 days before hospitalisation, subject to policy terms. |
| Post-Hospitalisation |
|---|
Optima Lite 60 days for eligible expenses. |
VS VS |
Health Booster Eligible medical expenses are covered for up to 90 days after hospitalisation, subject to policy terms. |
| Outpatient Department Cover (OPD Expense) |
|---|
Optima Lite Optima Wellbeing add-on offers OPD-related services in select cities; not a standard base-plan benefit. |
VS VS |
Health Booster Routine outpatient consultations and treatment are not listed as a standard base-cover benefit. |
| Deductible Option |
|---|
Optima Lite Optional aggregate deductible of ₹10,000, ₹25,000 or ₹50,000; premium discount may be available. |
VS 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 |
|---|
Optima Lite ₹5 lakh or ₹7.5 lakh base sum insured; individual or family floater. |
VS 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 |
|---|
Optima Lite Not verified using the latest comparable insurer-level CSR metric. Do not substitute older marketing figures or a different claims metric. |
VS VS |
Health Booster FY 24-25: ~84% |
| Maternity Cover |
|---|
Optima Lite Covered up to the applicable sum insured, subject to policy terms and exclusions. |
VS VS |
Health Booster Not listed as a standard benefit in the referenced policy wording. |
Insurance Plans Comparison
Still Confused? Get Expert Advice
Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.
Why Choose Our Expert Consultation?
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
Smart, Tech-Enabled Experience
From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free
Insurance Plans Comparison
Explore Insurance Category
Insurance Plans Comparison
Frequently Asked Questions (FAQs)
Having questions? We've got answers. Explore our FAQs to find the information you need.
Explore Our Most Popular Plans
Compare With Other Health Insurance Plans
Optima Lite vs Supreme Senior Premium
Optima Lite vs Energy Silver Without Copay
Optima Lite vs Ultimate
Optima Lite vs EquiCover
Optima Lite vs Optima Secure Global Plus
Optima Lite vs Optima Secure
Optima Lite vs Super Mediclaim
Optima Lite vs Critical Illness Platinum Plan
Optima Lite vs Health Recharge
Optima Lite vs Golden Shield
Optima Lite vs Optima Secure Plus
Optima Lite vs Cancer Cover Activ Cancer Secure Plan
Optima Lite vs LifeTime Health Global
Optima Lite vs Women Care
Optima Lite vs Aspire Diamond+
Optima Lite vs Activate Booster Plan A
Optima Lite vs myHealth Medisure Super Top-up
Optima Lite vs Health Super Saver Standard
Optima Lite vs Active Care Premier
Optima Lite vs ProHealth Accumulate
Optima Lite vs Health Booster SuperTopup Individual Adult 1 Year N
Optima Lite vs Supreme Shine
Optima Lite vs Health Shield 360 Retail
Optima Lite vs Health Cardiac Care Silver & Gold Plan
Optima Lite vs myHealth Suraksha Gold
Optima Lite vs Max Protect Premium
Optima Lite vs Elder Care
Optima Lite vs Young Star Gold
Optima Lite vs Assure
Optima Lite vs Active Fit Plus
Optima Lite vs Cancer Care Platinum
Optima Lite vs Health Connect Elite
Optima Lite vs Arogya Sanjeevani
Optima Lite vs OneHealth Premium
Optima Lite vs ProHealth Prime Protect
Optima Lite vs Medicare Plus
Optima Lite vs Activ Health Platinum Essential
Optima Lite vs GoActive
Optima Lite vs Criti Shield Family Shield
Optima Lite vs Medicare Senior
Optima Lite vs Enhance Super Top-up Two
Optima Lite vs Reassure 3.0
Optima Lite vs Medicare Protect
Optima Lite vs Health AdvantEdge Plus
Optima Lite vs Activ One SAVR
Optima Lite vs Active Assure Diamond
Optima Lite vs Activ One VIP
Optima Lite vs Health Pulse Classic
Optima Lite vs Advantage
Optima Lite vs Mediclaim Insurance Policy
Optima Lite vs iHealth
Optima Lite vs Special Care Gold
Optima Lite vs Energy Gold Without Copay
Optima Lite vs Activ One Max
Optima Lite vs Smart Super Health
Optima Lite vs Classic
Optima Lite vs Activ One Vytl
Optima Lite vs Supreme
Optima Lite vs Freedom
Optima Lite vs Sarvah Pratham
Optima Lite vs Joy Today
Optima Lite vs Medi Classic
Optima Lite vs Activate Booster Plan B
Optima Lite vs Aspire Gold+
Optima Lite vs Health Gain
Optima Lite vs Aspire Platinum+
Optima Lite vs Plus Complete
Optima Lite vs Health Companion Family First Plan
Optima Lite vs Reassure 2.0 Platinum+
Optima Lite vs Reassure 3.0 Elite
Optima Lite vs Enhance Super Top-up One
Optima Lite vs Joy Tomorrow
Optima Lite vs Reassure 3.0 Select
Optima Lite vs Activ One VIP+
Optima Lite vs Red Carpet Senior Citizens
Optima Lite vs Super Surplus Gold
Optima Lite vs Health SuperCharge
Optima Lite vs Health Elite Plus
Optima Lite vs Medicare Premier
Optima Lite vs Family Health Optima
Optima Lite vs Health Companion Variant 2022
Optima Lite vs Health Companion Variant 3
Optima Lite vs Plus Youth
Optima Lite vs ProHealth Prime Advantage
Optima Lite vs Critical Illness Silver Plan
Optima Lite vs Health Premia Gold
Optima Lite vs Health Premia Platinum
Optima Lite vs Comprehensive
Optima Lite vs HeartBeat Enhanced
Optima Lite vs Reassure
Optima Lite vs Complete Health Insurance Health Shield Plus Plan
Optima Lite vs myHealth Suraksha Platinum
Optima Lite vs Health Recharge Super Top Up Plan
Optima Lite vs Supreme Value for Money
Optima Lite vs Supreme Enhance Two
Optima Lite vs Supreme Senior Super
Optima Lite vs Supreme Enhance
Optima Lite vs Reassure 2.0 Gold
Optima Lite vs Active Fit Preferred
Optima Lite vs LifeTime Health
Optima Lite vs Medicare
Optima Lite vs ProHealth Prime Active
Optima Lite vs ProHealth Prime Senior Elite
Optima Lite vs Advanced Top Up
Optima Lite vs Multiplier Health
Optima Lite vs Ultimate (Direct)
Optima Lite vs Young Star
Optima Lite vs Star Women Care Policy
Optima Lite vs Health Assurance
Optima Lite vs Family Plus
Optima Lite vs Sarvah Param
Optima Lite vs Optima Insurance
Optima Lite vs Smart Super Health Assure
Optima Lite vs Criti Shield Plus
Optima Lite vs Health Care Supreme Ultimo
Optima Lite vs Super Star
Optima Lite vs Reassure 3.0 Black
Optima Lite vs Health Guard Platinum
Optima Lite vs Health Guard Gold
Optima Lite vs Elevate (Direct)
Optima Lite vs Senior First Platinum
Optima Lite vs Extra Care Plus Super Top-up
Optima Lite vs Health Care Supreme Smart
Optima Lite vs Medi Classic Gold
Optima Lite vs Smart Health Pro
Optima Lite vs Optima Super Secure
Optima Lite vs Optima Secure Global
Optima Lite vs Special Care
Optima Lite vs Medicare LITE
Optima Lite vs NextGen
Optima Lite vs Health Shield 360
Optima Lite vs SecureHealth
Optima Lite vs Energy Silver With Copay
Optima Lite vs Supreme (Direct)
Optima Lite vs Plus
Optima Lite vs Medicare Select
Optima Lite vs Complete Health Insurance Health Protect Plus Plan
Optima Lite vs myHealth Koti Suraksha
Optima Lite vs Senior
Optima Lite vs myHealth Suraksha Silver
Optima Lite vs Health Booster
Optima Lite vs Complete Health Insurance Health Shield
Optima Lite vs Cardiac Care Platinum
Optima Lite vs Royal Sundaram Lifeline Elite
Optima Lite vs HeartBeat Platinum
Optima Lite vs Supreme Enhance One
Optima Lite vs HeartBeat Gold
Optima Lite vs Health Companion Variant 2
Optima Lite vs Health Companion Variant 1
Optima Lite vs Aspire Titanium+
Optima Lite vs iHealth Plus
Optima Lite vs Reassure 3.0 Classic
Optima Lite vs Senior Health Advantage
Optima Lite vs Health Wallet
Optima Lite vs Elevate
Optima Lite vs Heart
Optima Lite vs Reassure 2.0 Titanium+
Optima Lite vs Diabetes Safe Plan A
Optima Lite vs Reassure 2.0 Bronze+
Optima Lite vs Young Star Silver
Optima Lite vs Enhance Super Top-up
Optima Lite vs Joy
Optima Lite vs Health Elite
Optima Lite vs Supreme Senior Health AdvantEdge
Optima Lite vs Health AdvantEdge
Optima Lite vs Supreme Super Saver
Optima Lite vs Health Insurance Platinum
Health Booster vs Supreme Senior Premium
Health Booster vs Energy Silver Without Copay
Health Booster vs Ultimate
Health Booster vs EquiCover
Health Booster vs Optima Secure Global Plus
Health Booster vs Optima Secure
Health Booster vs Super Mediclaim
Health Booster vs Critical Illness Platinum Plan
Health Booster vs Health Recharge
Health Booster vs Golden Shield
Health Booster vs Optima Secure Plus
Health Booster vs Cancer Cover Activ Cancer Secure Plan
Health Booster vs LifeTime Health Global
Health Booster vs Women Care
Health Booster vs Aspire Diamond+
Health Booster vs Activate Booster Plan A
Health Booster vs myHealth Medisure Super Top-up
Health Booster vs Health Super Saver Standard
Health Booster vs Active Care Premier
Health Booster vs ProHealth Accumulate
Health Booster vs Health Booster SuperTopup Individual Adult 1 Year N
Health Booster vs Supreme Shine
Health Booster vs Health Shield 360 Retail
Health Booster vs Health Cardiac Care Silver & Gold Plan
Health Booster vs myHealth Suraksha Gold
Health Booster vs Max Protect Premium
Health Booster vs Elder Care
Health Booster vs Young Star Gold
Health Booster vs Assure
Health Booster vs Active Fit Plus
Health Booster vs Cancer Care Platinum
Health Booster vs Health Connect Elite
Health Booster vs Arogya Sanjeevani
Health Booster vs OneHealth Premium
Health Booster vs ProHealth Prime Protect
Health Booster vs Optima Lite
Health Booster vs Medicare Plus
Health Booster vs Activ Health Platinum Essential
Health Booster vs GoActive
Health Booster vs Criti Shield Family Shield
Health Booster vs Medicare Senior
Health Booster vs Enhance Super Top-up Two
Health Booster vs Reassure 3.0
Health Booster vs Medicare Protect
Health Booster vs Health AdvantEdge Plus
Health Booster vs Activ One SAVR
Health Booster vs Active Assure Diamond
Health Booster vs Activ One VIP
Health Booster vs Health Pulse Classic
Health Booster vs Advantage
Health Booster vs Mediclaim Insurance Policy
Health Booster vs iHealth
Health Booster vs Special Care Gold
Health Booster vs Energy Gold Without Copay
Health Booster vs Activ One Max
Health Booster vs Smart Super Health
Health Booster vs Classic
Health Booster vs Activ One Vytl
Health Booster vs Supreme
Health Booster vs Freedom
Health Booster vs Sarvah Pratham
Health Booster vs Joy Today
Health Booster vs Medi Classic
Health Booster vs Activate Booster Plan B
Health Booster vs Aspire Gold+
Health Booster vs Health Gain
Health Booster vs Aspire Platinum+
Health Booster vs Plus Complete
Health Booster vs Health Companion Family First Plan
Health Booster vs Reassure 2.0 Platinum+
Health Booster vs Reassure 3.0 Elite
Health Booster vs Enhance Super Top-up One
Health Booster vs Joy Tomorrow
Health Booster vs Reassure 3.0 Select
Health Booster vs Activ One VIP+
Health Booster vs Red Carpet Senior Citizens
Health Booster vs Super Surplus Gold
Health Booster vs Health SuperCharge
Health Booster vs Health Elite Plus
Health Booster vs Medicare Premier
Health Booster vs Family Health Optima
Health Booster vs Health Companion Variant 2022
Health Booster vs Health Companion Variant 3
Health Booster vs Plus Youth
Health Booster vs ProHealth Prime Advantage
Health Booster vs Critical Illness Silver Plan
Health Booster vs Health Premia Gold
Health Booster vs Health Premia Platinum
Health Booster vs Comprehensive
Health Booster vs HeartBeat Enhanced
Health Booster vs Reassure
Health Booster vs Complete Health Insurance Health Shield Plus Plan
Health Booster vs myHealth Suraksha Platinum
Health Booster vs Health Recharge Super Top Up Plan
Health Booster vs Supreme Value for Money
Health Booster vs Supreme Enhance Two
Health Booster vs Supreme Senior Super
Health Booster vs Supreme Enhance
Health Booster vs Reassure 2.0 Gold
Health Booster vs Active Fit Preferred
Health Booster vs LifeTime Health
Health Booster vs Medicare
Health Booster vs ProHealth Prime Active
Health Booster vs ProHealth Prime Senior Elite
Health Booster vs Advanced Top Up
Health Booster vs Multiplier Health
Health Booster vs Ultimate (Direct)
Health Booster vs Young Star
Health Booster vs Star Women Care Policy
Health Booster vs Health Assurance
Health Booster vs Family Plus
Health Booster vs Sarvah Param
Health Booster vs Optima Insurance
Health Booster vs Smart Super Health Assure
Health Booster vs Criti Shield Plus
Health Booster vs Health Care Supreme Ultimo
Health Booster vs Super Star
Health Booster vs Reassure 3.0 Black
Health Booster vs Health Guard Platinum
Health Booster vs Health Guard Gold
Health Booster vs Elevate (Direct)
Health Booster vs Senior First Platinum
Health Booster vs Extra Care Plus Super Top-up
Health Booster vs Health Care Supreme Smart
Health Booster vs Medi Classic Gold
Health Booster vs Smart Health Pro
Health Booster vs Optima Super Secure
Health Booster vs Optima Secure Global
Health Booster vs Special Care
Health Booster vs Medicare LITE
Health Booster vs NextGen
Health Booster vs Health Shield 360
Health Booster vs SecureHealth
Health Booster vs Energy Silver With Copay
Health Booster vs Supreme (Direct)
Health Booster vs Plus
Health Booster vs Medicare Select
Health Booster vs Complete Health Insurance Health Protect Plus Plan
Health Booster vs myHealth Koti Suraksha
Health Booster vs Senior
Health Booster vs myHealth Suraksha Silver
Health Booster vs Complete Health Insurance Health Shield
Health Booster vs Cardiac Care Platinum
Health Booster vs Royal Sundaram Lifeline Elite
Health Booster vs HeartBeat Platinum
Health Booster vs Supreme Enhance One
Health Booster vs HeartBeat Gold
Health Booster vs Health Companion Variant 2
Health Booster vs Health Companion Variant 1
Health Booster vs Aspire Titanium+
Health Booster vs iHealth Plus
Health Booster vs Reassure 3.0 Classic
Health Booster vs Senior Health Advantage
Health Booster vs Health Wallet
Health Booster vs Elevate
Health Booster vs Heart
Health Booster vs Reassure 2.0 Titanium+
Health Booster vs Diabetes Safe Plan A
Health Booster vs Reassure 2.0 Bronze+
Health Booster vs Young Star Silver
Health Booster vs Enhance Super Top-up
Health Booster vs Joy
Health Booster vs Health Elite
Health Booster vs Supreme Senior Health AdvantEdge
Health Booster vs Health AdvantEdge
Health Booster vs Supreme Super Saver
Health Booster vs Health Insurance Platinum
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.







.png)