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Insurance Plans Comparison

ICICI Lombard Activate Booster Plan A vs Care Classic

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

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ICICI Lombard

Activate Booster Plan A

Flexible super top-up health insurance with high Sum Insured options and a range of optional covers.

What Makes It Special:

Plan A is a super top-up health insurance option designed to provide additional protection above a chosen deductible, with Sum Insured options up to ₹3 crore and 180 days of post-hospitalisation cover.

Best For:

  • Advanced benefits with wellness add-ons

  • Extended healthcare financial protection

  • High-limit super top-up plan

  • Maximum flexibility and coverage

VS
Care

Classic

Comprehensive Family Health Insurance with Unlimited Recharge and Extensive Hospitalisation Coverage

What Makes It Special:

Care Classic is a family-focused health insurance plan offering comprehensive hospitalisation coverage, unlimited automatic recharge, 60-day pre-hospitalisation and 180-day post-hospitalisation coverage, AYUSH benefits, annual health check-ups, and a cumulative bonus of up to 150% of the Base Sum Insured, subject to policy terms.

Best For:

  • Customers looking for long-term coverage benefits – The plan offers a cumulative bonus that can increase up to 150% of the Base Sum Insured, subject to policy terms.

  • Those preferring higher room eligibility – Suitable for eligible Sum Insured options offering a Single Private A/C Room.

  • Customers seeking extensive hospitalisation coverage – Includes pre- and post-hospitalisation, daycare, AYUSH and other eligible medical expenses.

  • Families seeking comprehensive health coverage – Suitable for families wanting a single floater policy with broad hospitalisation benefits.

  • People wanting unlimited recharge – Useful for those who want the Sum Insured to be replenished multiple times during a policy year, subject to terms.

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

ICICI Lombard Activate Booster Plan A

  • You want guaranteed deductible reduction with renewals

  • You want jumpstart for faster pre-existing disease cover

  • You seek flexible deductible waiver options after 50 years

  • You prefer high sum insured options for major expenses

  • You want to top up existing health insurance limits

Care Classic

  • Review the applicable room-rent, treatment sub-limits and waiting periods before purchasing, particularly the 36-month PED waiting period.

  • Check the plan carefully if maternity coverage is a priority, as maternity expenses are not covered.

  • Consider it if you want AYUSH treatment and annual health check-up benefits.

  • Choose it if 60-day pre- and 180-day post-hospitalisation coverage is important to you.

  • Choose Care Classic if you want family floater coverage with unlimited automatic recharge.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Activate Booster Plan A
Activate Booster Plan A

Health Insurance Plan

Brochure

VS
Classic
Classic

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Activate Booster Plan A

Single Private Room is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category

VS

Classic

Single Private A/C Room for SI ≥ ₹5 lakh.

ICU Charges

Activate Booster Plan A

No restriction on ICU room rent

VS

Classic

No limit for SI ≥ ₹5 lakh.

Disease-wise sublimits

Activate Booster Plan A

No

VS

Classic

Standard sublimits apply

Co-payment

Activate Booster Plan A

Not available

VS

Classic

Optional

Restoration Benefit

Activate Booster Plan A

Not available

VS

Classic

Standard No-Claim Bonus.

Cashless Healthcare Providers

Activate Booster Plan A

10,300+ Healthcare Providers

VS

Classic

10000+ network hospitals.

Cumulative Bonus

Activate Booster Plan A

Not available

VS

Classic

25% of Base SI for each claim-free year, up to a maximum of 150% of Base SI.

Daycare Treatment

Activate Booster Plan A

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

VS

Classic

All Day Care Procedures are covered, subject to policy terms.

Consumable Cover

Activate Booster Plan A

Yes

VS

Classic

Not Available

AYUSH Treatment

Activate Booster Plan A

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

VS

Classic

Covered

Initial Waiting Period

Activate Booster Plan A

30 days

VS

Classic

30 days

Specific Waiting Period

Activate Booster Plan A

2 years

VS

Classic

24 months

PED Waiting Period

Activate Booster Plan A

3 years

VS

Classic

36 months

Modern Treatment

Activate Booster Plan A

Hospital expenses for listed advanced treatments are covered up to your annual sum insured during the policy period

VS

Classic

Covered up to the Sum Insured, subject to applicable policy terms/sub-limits for specified advanced technology methods. Care specifically says advanced technology treatment is subject to the applicable sub-limit.

Annual Health Checkup

Activate Booster Plan A

Not available

VS

Classic

Available as add-on

Pre-Hospitalisation

Activate Booster Plan A

You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved

VS

Classic

60 days

Post-Hospitalisation

Activate Booster Plan A

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

VS

Classic

180 days post-discharge

Outpatient Department Cover (OPD Expense)

Activate Booster Plan A

OPD expense is not included as part of base cover. However, you can opt for an add-on to avail this coverage

VS

Classic

Optional Add-on

Deductible Option

Activate Booster Plan A

Available

VS

Classic

Available

Coverage Options

Activate Booster Plan A

Available coverage options: ₹10L, 15L, 20L, 25L, 45L, 50L, 85L, 90L, 95L, 1Cr, 3Cr

VS

Classic

Individual or Family Floater

Claim Settlement Ratio

Activate Booster Plan A

97.16%

VS

Classic

95.45%

Maternity Cover

Activate Booster Plan A

Not available

VS

Classic

Maternity/childbirth is excluded. The current Care Classic page specifically excludes expenses attributable to childbirth, including complicated deliveries and Caesarean sections, except ectopic pregnancy.

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?

End-to-End Support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

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

24/7 Claim Assistance

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

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

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

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)

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

1-5 of 10 FAQs

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