Insurance Plans Comparison
ICICI Lombard Health Booster vs ICICI Lombard Golden Shield
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreHealth 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.
VS
Golden Shield
Cover hospital care for seniors, with a twin-sharing room below ₹10 lakh and a single private AC room from ₹10 lakh, a 50% co-pay on every admissible claim, and 60 days before admission plus 180 days after discharge.
What Makes It Special:
ICICI Lombard Golden Shield is designed for senior citizens and offers hospitalisation cover through individual and family floater options. Benefits include inpatient treatment, daycare procedures, AYUSH hospitalisation, pre- and post-hospitalisation expenses, domiciliary treatment and a Reset Benefit. The policy also offers a Loyalty Bonus and optional features such as Claim...
Best For:
Buyers seeking additional features such as Claim Protector or Care Management Plus, subject to availability and eligibility.
Customers who want to evaluate options for reducing the policy's standard co-payment.
Buyers who want a reset feature for eligible subsequent hospitalisation claims.
Older couples looking for a shared family floater or individual cover options.
Senior citizens seeking health insurance for eligible hospitalisation expenses.
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
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.
Compare the disease-specific sublimits with your healthcare needs, especially for cataract, cardiovascular treatment, cancer and renal conditions.
Review the 24-month PED and specified-disease waiting periods, along with the separate 90-day exclusion for hypertension, diabetes and cardiac conditions.
Check the room category linked to your sum insured to avoid unexpected proportionate deductions.
Review the base 50% co-payment carefully and compare the additional premium for reducing it to 40%, 30% or 20%.
Select a sum insured based on expected medical expenses and confirm that the desired option is available for your age and health profile.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Health Booster Health Insurance Plan VS VS |
![]() Golden Shield Health Insurance Plan |
| Room Rent |
|---|
Health Booster
|
VS VS |
Golden Shield ICICI Lombard's Health Shield plan offers comprehensive coverage with no specific capping on room rent or ICU charges. |
| Advanced Treatments |
|---|
Health Booster
|
VS VS |
Golden Shield The plan covers advanced treatments like robotic surgeries, immunotherapy, oral chemotherapy, stem cell therapy, and minimally invasive procedures for various conditions. |
| ICU Charges |
|---|
Health Booster Information Unavailable |
VS VS |
Golden Shield Covered under eligible inpatient hospitalisation, subject to the annual sum insured and applicable policy conditions. |
| Co-payment |
|---|
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. |
VS VS |
Golden Shield The ICICI Lombard Golden Shield plan includes a mandatory 50% co-payment, meaning policyholders are responsible for half of the admissible claim amount, while the insurer covers the remaining 50%. This co-payment applies to all claims made under the policy. |
| Disease-wise sublimits |
|---|
Health Booster No comprehensive disease-wise sublimit list has been confirmed for the referenced policy wording. Check the policy schedule and applicable benefit conditions. |
VS VS |
Golden Shield Yes. Cataract and specified cardiovascular, cerebrovascular, cancer, renal, long-bone/joint and robotic-surgery treatments have limits that vary by sum insured. |
| Cashless Healthcare Providers |
|---|
Health Booster 10,896 cashless healthcare |
VS VS |
Golden Shield 10,896+ hospitals across India. |
| Restoration Benefit |
|---|
Health Booster Information Unavailable |
VS VS |
Golden Shield Unlimited Reset Benefit of up to 100% of the annual sum insured for eligible subsequent claims. It does not apply to the first claim and has restrictions for the same illness or related complications. |
| Daycare Treatment |
|---|
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. |
VS VS |
Golden Shield Covered under the policy. |
| Cumulative Bonus |
|---|
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. |
VS VS |
Golden Shield Loyalty Bonus accumulates under the policy's renewal rules; accrued bonus is not reduced merely because a claim is made. |
| AYUSH Treatment |
|---|
Health Booster Covered by the policy.. |
VS VS |
Golden Shield Covered under this policy |
| Consumable Cover |
|---|
Health Booster Not verified as a standard benefit for this policy version. |
VS VS |
Golden Shield Claim Protector is available as an optional cover for eligible non-medical items associated with an accepted inpatient claim. |
| Initial Waiting Period |
|---|
Health Booster Subject to policy wording and applicable exceptions. Confirm the applicable schedule before publishing a definitive duration. |
VS VS |
Golden Shield 30 days for illnesses, except covered accident-related hospitalisation. |
| Specific Waiting Period |
|---|
Health Booster 2 years for specified diseases and procedures, subject to policy terms. |
VS VS |
Golden Shield 24 months for listed diseases and procedures. |
| PED Waiting Period |
|---|
Health Booster 2 years for pre-existing diseases declared and accepted by the insurer. |
VS VS |
Golden Shield 24 months of continuous coverage for declared and accepted pre-existing diseases. |
| Modern Treatment |
|---|
Health Booster Covered subject to the sum insured, deductible and policy terms. |
VS VS |
Golden Shield Listed modern treatments are covered up to the annual sum insured, subject to specified sublimits. |
| Annual Health Checkup |
|---|
Health Booster Not confirmed for the policy wording referenced here. |
VS VS |
Golden Shield Information Unavailable |
| Pre-Hospitalisation |
|---|
Health Booster Eligible medical expenses are covered for up to 60 days before hospitalisation, subject to policy terms. |
VS VS |
Golden Shield 60 days before hospitalisation, subject to policy terms and the accepted inpatient claim. |
| Post-Hospitalisation |
|---|
Health Booster Eligible medical expenses are covered for up to 90 days after hospitalisation, subject to policy terms. |
VS VS |
Golden Shield Up to 7% of hospitalisation expenses, subject to a maximum of ₹5,000 for ₹3–5 lakh sum insured, ₹7,000 for ₹10–15 lakh, and ₹10,000 for ₹20–50 lakh. |
| Outpatient Department Cover (OPD Expense) |
|---|
Health Booster Routine outpatient consultations and treatment are not listed as a standard base-cover benefit. |
VS VS |
Golden Shield Not included as a general standard reimbursement benefit. Outpatient consultations may be available through the optional Care Management Plus Program. |
| Deductible Option |
|---|
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. |
VS VS |
Golden Shield Optional voluntary deductible of 20% of the annual sum insured, applied on an aggregate basis during the policy year. |
| Coverage Options |
|---|
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. |
VS VS |
Golden Shield Individual or family floater; optional Claim Protector, reduced co-payment, voluntary deductible and Care Management Plus Program. |
| Claim Settlement Ratio |
|---|
Health Booster FY 24-25: ~84% |
VS VS |
Golden Shield FY 24-25: ~84% |
| Maternity Cover |
|---|
Health Booster Not listed as a standard benefit in the referenced policy wording. |
VS VS |
Golden Shield Not covered under this senior-citizen-focused plan. |
Insurance Plans Comparison
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