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Insurance Plans Comparison

ICICI Lombard Activate Booster Plan B vs Star Comprehensive

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 B

Flexible super top-up health insurance with high Sum Insured options, extended optional benefits and multiple deductible choices.

What Makes It Special:

Plan B combines high Sum Insured options with broader optional benefits such as health check-up, nursing at home and dependent accommodation, subject to additional premium and applicable conditions.

Best For:

  • Financial safety for large medical bills

  • Advanced treatment and wellness add-ons

  • High-sum insured super top-up policy

  • Maximum flexibility and big coverage

VS
Star

Comprehensive

Family health insurance with maternity, OPD, dental and eye cover, 100% restoration and up to 100% cumulative bonus.

What Makes It Special:

An all-in-one family health plan that combines hospitalisation cover with maternity and new-born cover, OPD consultations, dental and eye care, hospital cash, bariatric surgery and accidental death/disability cover in a single policy.

Best For:

  • People under 61 who want to avoid co-payment

  • Buyers looking for a fast-growing bonus (100% after one claim-free year for SI ₹7.5L+)

  • People who want OPD, dental and eye expenses included

  • Families wanting individual or floater cover up to ₹1 crore

  • Young couples planning a family (maternity and new-born cover)

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 B

  • You seek quick claim settlement and annual health check-ups

  • You want coverage for dependents accommodation during hospitalization

  • You prefer easy conversion to base plan, no deductible

  • You want flexibility to top-up your policy

  • You need health coverage up to ₹3 crore

Star Comprehensive

  • Things to Consider: Premiums vary by city zone.

  • Things to Consider: Modern treatments and bariatric surgery have sublimits.

  • Things to Consider: Maternity needs both spouses covered for 24 months, and delivery limits are modest at lower SI.

  • Things to Consider: 10% co-payment for people who join at age 61 or above.

  • Things to Consider: 36-month PED waiting period, unless you buy the optional PED buy-back (reduces it to 12 months).

  • Reasons to Consider: 60 days of pre- and 90 days of post-hospitalisation cover, plus air ambulance and home care.

  • Reasons to Consider: Cumulative bonus up to 100% of SI, plus 100% restoration once a year (usable for the same illness).

  • Reasons to Consider: OPD consultations and dental/eye treatment covered outside the Sum Insured.

  • Reasons to Consider: Delivery (up to 2) and new-born cover after 24 months.

  • Reasons to Consider: Private single AC room with no fixed room rent cap.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Activate Booster Plan B
Activate Booster Plan B

Health Insurance Plan

Brochure

VS
Comprehensive
Comprehensive

Health Insurance Plan

Brochure

Room Rent

Activate Booster Plan B

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

Comprehensive

Information Unavailable

ICU Charges

Activate Booster Plan B

No restriction on ICU room rent

VS

Comprehensive

Covered up to Sum Insured; no separate ICU cap.

Advanced Treatments

Activate Booster Plan B

Information Unavailable

VS

Comprehensive

Coverage includes robotic surgeries, stem cell therapy, organ transplants, modern cancer treatments, bariatric surgery, and advanced cardiac procedures as per policy terms.

Co-payment

Activate Booster Plan B

Not available

VS

Comprehensive

This policy is subject to co-payment of 10% of each and every claim amount for fresh as well as renewal policies for insured persons whose age at the time of entry is 61 years and above

Disease-wise sublimits

Activate Booster Plan B

No

VS

Comprehensive

Information Unavailable

Waiting Period

Activate Booster Plan B

Information Unavailable

VS

Comprehensive

  1. Initial Waiting Period: A 30-day waiting period applies from the policy's inception, during which claims are not admissible, except for those arising from accidents. 
     
  2. Pre-existing Disease Waiting Period: For the Silver plan, pre-existing diseases are covered after 48 months of continuous coverage. For Gold and Platinum plans, this period is reduced to 24 months.
     
  3. Specific Disease/Procedure Waiting Period: For individuals above 45 years of age, certain listed illnesses and procedures are covered after a 24-month waiting period from the policy's inception.
Restoration Benefit

Activate Booster Plan B

Not available

VS

Comprehensive

Information Unavailable

Cashless Healthcare Providers

Activate Booster Plan B

10,300+ Healthcare Providers


VS

Comprehensive

Access to over 14,000+  cashless healthcare providers for seamless treatment.

Cumulative Bonus

Activate Booster Plan B

Available as an option

VS

Comprehensive

SI ₹5L: 50% of Basic SI per claim-free year, max 100%. SI ₹7.5L and above: 100% of Basic SI after one claim-free year, max 100%.

Daycare Treatment

Activate Booster Plan B

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

VS

Comprehensive

covered by the policy.

Consumable Cover

Activate Booster Plan B

Yes

VS

Comprehensive

Not mentioned (no separate consumables cover in the policy documents).

AYUSH Treatment

Activate Booster Plan B

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

VS

Comprehensive

AYUSH treatments are covered up to the sum insured.

Initial Waiting Period

Activate Booster Plan B

30 days

VS

Comprehensive

30 days (accidents excepted)

Specific Waiting Period

Activate Booster Plan B

2 years

VS

Comprehensive

24 months for listed diseases/procedures; 36 months for Bariatric Surgery; 24 months for Delivery and New Born cover

PED Waiting Period

Activate Booster Plan B

3 years

VS

Comprehensive

Information Unavailable

Modern Treatment

Activate Booster Plan B

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

VS

Comprehensive

  1. Covered up to treatment-wise sublimits that vary by Sum Insured, e.g. robotic surgery ₹2.5L (SI ₹5L) to ₹7.5L (SI ₹1 Cr); immunotherapy ₹2.5L to ₹10L; bronchial thermoplasty, prostate vaporisation and IONM up to Sum Insured. Part of Sum Insured.
Annual Health Checkup

Activate Booster Plan B

Health checkup is not included as part of base cover. However, you can opt for the Annual Health Checkup Add-on to avail health checkup once per Policy Year

VS

Comprehensive

Information Unavailable

Pre-Hospitalisation

Activate Booster Plan B

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

VS

Comprehensive

Information Unavailable

Post-Hospitalisation

Activate Booster Plan B

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

VS

Comprehensive

Information Unavailable

Outpatient Department Cover (OPD Expense)

Activate Booster Plan B

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

VS

Comprehensive

Information Unavailable

Deductible Option

Activate Booster Plan B

Available

VS

Comprehensive

Information Unavailable

Coverage Options

Activate Booster Plan B

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

VS

Comprehensive

Information Unavailable

Claim Settlement Ratio

Activate Booster Plan B

97.16%

VS

Comprehensive

Information Unavailable

Maternity Cover

Activate Booster Plan B

Not available

VS

Comprehensive

Information Unavailable

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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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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