Partner with us

Insurance Plans Comparison

ICICI Lombard Criti Shield Family Shield vs ICICI Lombard Health Booster

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

Read more
ICICI Lombard

Criti Shield Family Shield

Cover hospitalisation for specified infectious diseases, including listed vector-borne illnesses such as dengue and malaria, and personal accident benefits for death, disablement and accidental hospital treatment.

What Makes It Special:

ICICI Lombard Family Shield combines defined benefits for specified infectious diseases with personal accident and hospital daily cash benefits. Coverage includes selected vector-borne, viral, gastrointestinal and nervous system infections, along with rabies and tetanus. Additional benefits may be available depending on the options selected and the policy certificate.

Best For:

  • Customers who understand that this is a benefit-specific policy and not a substitute for comprehensive hospitalisation insurance.

  • Buyers who want to explore optional benefits such as broken bones or burns cover.

  • People who value fixed hospital daily cash benefits where selected.

  • Families seeking additional financial protection against eligible accidental injuries.

  • Buyers looking for defined benefits for specified infectious diseases.

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

  • If you need broad coverage for unrelated illnesses, surgeries and hospital bills, compare this policy with a comprehensive indemnity-based health insurance plan.

  • Review waiting periods carefully, particularly the 30-day waiting period for infectious disease benefits and the pre-existing disease restriction applicable to hospital daily cash benefits.

  • Review the personal accident benefit amounts and definitions of disability before relying on the policy for accident protection.

  • Confirm whether hospital daily cash benefits are included and check the applicable daily limits and eligibility conditions.

  • Check the list of covered infections and their claim requirements to confirm that the policy addresses your priorities.

  • 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

Criti Shield Family Shield
Criti Shield Family Shield

Health Insurance Plan

VS
Health Booster
Health Booster

Health Insurance Plan

Brochure

Room Rent

Criti Shield Family Shield

  1. Normal: Covered Up to Sum Insured
  2. ICU: Covered Up to Sum Insured
VS

Health Booster

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

Criti Shield Family Shield

  1. Oral Chemotherapy 
  2. Robotic Surgeries 
  3. Stem Cell Therapy 
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

Criti Shield Family Shield

ICU-related cash benefits may be available under selected hospital cash benefits; limits depend on the policy certificate.

VS

Health Booster

Information Unavailable

Co-payment

Criti Shield Family Shield

Co payment is applicable as chosen by the insured. 

It allows the insured to opt for 10% or 20% co-payment.

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

Criti Shield Family Shield

Benefits are defined for specified infections and accident-related events; applicable limits are benefit-specific and should be confirmed in the policy certificate.

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

Criti Shield Family Shield

10,000+ Healthcare Providers

VS

Health Booster

10,896 cashless healthcare

Restoration Benefit

Criti Shield Family Shield

No restoration benefit verified.

VS

Health Booster

Information Unavailable

Daycare Treatment

Criti Shield Family Shield

Covers medical procedures requiring hospitalization for less than 24 hours, such as cataract surgery or chemotherapy​

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

Criti Shield Family Shield

No cumulative bonus benefit verified. The published brochure lists a 5% renewal discount and a family discount of up to 7.5%.

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

Criti Shield Family Shield

.

VS

Health Booster

Covered by the policy..

Consumable Cover

Criti Shield Family Shield

Not specified.

VS

Health Booster

Not verified as a standard benefit for this policy version.

Initial Waiting Period

Criti Shield Family Shield

30 days for specific infectious disease and hospital daily cash benefits; 0 days for personal accident benefits, as stated in the published brochure.

VS

Health Booster

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

Specific Waiting Period

Criti Shield Family Shield

30 days for specific infectious disease benefits.

VS

Health Booster

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

PED Waiting Period

Criti Shield Family Shield

Two-year pre-existing disease restriction specified for Hospital Daily Cash Benefit; applicability to other benefits must be checked in the policy wording.

VS

Health Booster

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

Modern Treatment

Criti Shield Family Shield

Not specified as a standalone benefit in the reviewed product information.

VS

Health Booster

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

Annual Health Checkup

Criti Shield Family Shield

Not specified.

VS

Health Booster

Not confirmed for the policy wording referenced here.

Pre-Hospitalisation

Criti Shield Family Shield

Accidental pre-hospitalisation expenses may be covered under the applicable accident benefit; a general time limit was not verified.

VS

Health Booster

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

Post-Hospitalisation

Criti Shield Family Shield

Accidental pre- and post-hospitalisation expenses may be covered under the applicable accident benefit; a general post-hospitalisation limit was not verified.

VS

Health Booster

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

Outpatient Department Cover (OPD Expense)

Criti Shield Family Shield

No general OPD benefit verified. Accident-related diagnostic tests may be covered under the applicable benefit.

VS

Health Booster

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

Deductible Option

Criti Shield Family Shield

Any deductible or loss-sharing provision must be confirmed in the policy certificate.

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

Criti Shield Family Shield

Specific infectious disease benefits, personal accident benefits, hospital daily cash benefits and selected additional benefits.

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

Criti Shield Family Shield

FY 2024-25: ~84%


VS

Health Booster

FY 24-25: ~84%

Maternity Cover

Criti Shield Family Shield

Maternity and pregnancy-termination expenses are listed among exclusions.

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?

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

Compare With Other Health Insurance Plans

Oneassure

Health Insurance

Compare Health Insurance Plans

Criti Shield Family Shield Vs Health Booster

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.