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Insurance Plans Comparison

Star Health Gain vs ICICI Lombard Activate Booster Plan A

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

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Star

Health Gain

Flexible Health Insurance with Hospitalisation and OPD Benefits

What Makes It Special:

Inpatient Hospitalisation and Outpatient Medical Expenses

Best For:

  • Customers looking for daycare and eligible AYUSH treatment coverage.

  • Customers who use outpatient services at networked facilities.

  • Customers seeking flexible Sum Insured options.

  • Families looking for Individual or Family Floater coverage.

  • Individuals seeking inpatient and outpatient health insurance benefits.

VS
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

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

Star Health Gain

  • Check the treatment-specific sublimits.

  • Review the pre- and post-hospitalisation benefit periods.

  • Check the selected OPD benefit limit.

  • Understand the waiting periods for pre-existing diseases and specified treatments.

  • Review the co-payment applicable to entry age 61 and above.

  • Check the room rent limit.

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

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Gain
Health Gain

Health Insurance Plan

Brochure

VS
Activate Booster Plan A
Activate Booster Plan A

Health Insurance Plan

Brochure

Room Rent

Health Gain

  1. Up to 1% of the basic Sum Insured per day.
VS

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

ICU Charges

Health Gain

Covered as part of eligible hospitalisation expenses.

VS

Activate Booster Plan A

No restriction on ICU room rent

Disease-wise sublimits

Health Gain

Sublimits apply to specified treatments, including cataract and listed modern treatments.

VS

Activate Booster Plan A

No

Co-payment

Health Gain

20% for insured persons whose age at entry is 61 years and above.

VS

Activate Booster Plan A

Not available

Restoration Benefit

Health Gain

Not specified.

VS

Activate Booster Plan A

Not available

Cashless Healthcare Providers

Health Gain

Cashless treatment is available at eligible network hospitals, subject to pre-authorisation.

VS

Activate Booster Plan A

10,300+ Healthcare Providers

Daycare Treatment

Health Gain

Eligible daycare procedures are covered, subject to policy terms.

VS

Activate Booster Plan A

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

Cumulative Bonus

Health Gain

Not specified.

VS

Activate Booster Plan A

Not available

AYUSH Treatment

Health Gain

Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered, subject to policy terms.

VS

Activate Booster Plan A

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

Consumable Cover

Health Gain

Not specified.

VS

Activate Booster Plan A

Yes

Initial Waiting Period

Health Gain

30 days, except for covered accident-related claims.

VS

Activate Booster Plan A

30 days

Specific Waiting Period

Health Gain

24 months for specified diseases and procedures.

VS

Activate Booster Plan A

2 years

PED Waiting Period

Health Gain

36 months for pre-existing diseases.

VS

Activate Booster Plan A

3 years

Modern Treatment

Health Gain

Specified modern treatments are covered, subject to policy limits.

VS

Activate Booster Plan A

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

Annual Health Checkup

Health Gain

Not specified.

VS

Activate Booster Plan A

Not available

Pre-Hospitalisation

Health Gain

Covered for up to 30 days before hospital admission.

VS

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

Post-Hospitalisation

Health Gain

Covered for up to 60 days after discharge.

VS

Activate Booster Plan A

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

Outpatient Department Cover (OPD Expense)

Health Gain

Available at networked facilities in India, up to the selected benefit limit.

VS

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

Deductible Option

Health Gain

Not specified.

VS

Activate Booster Plan A

Available

Coverage Options

Health Gain

Individual and Family Floater.

VS

Activate Booster Plan A

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

Claim Settlement Ratio

Health Gain

Insurer-level metric, not a policy benefit.

VS

Activate Booster Plan A

97.16%

Maternity Cover

Health Gain

Maternity expenses are excluded, except for the specified ectopic pregnancy exception.

VS

Activate Booster Plan A

Not available

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

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

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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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