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Co-payment means you share a part of the claim cost. Opting for co-pay lowers your premium but increases your out-of-pocket expenses.

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What are room rent limits in health insurance, and how do they affect claims?

Room rent limits cap the daily room cost covered by your insurer. Choosing a plan without strict limits ensures higher claim payouts.

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Supreme Value For Money Vs Health Booster Supertopup Individual Adult 1 Year N

Insurance Plans Comparison

Care Supreme Value for Money vs ICICI Lombard Health Booster SuperTopup Individual Adult 1 Year N

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare coverage, benefits, and premiums to find the perfect plan for your needs.

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

Supreme Value for Money

Affordable health insurance with hospitalisation cover, unlimited automatic recharge and a cumulative bonus that can double the base sum insured.

What Makes It Special:

Care Supreme is a health insurance plan from Care Health Insurance that combines hospitalisation coverage with unlimited automatic recharge and a cumulative bonus of up to 100% of the base sum insured. The Value for Money variant is designed around essential hospitalisation protection at a competitive premium, with important conditions...

Best For:

Buyers who prioritise hospitalisation coverage over standard maternity and routine OPD benefits.
Customers comfortable using designated Smart Select hospitals to manage co-payment exposure.
Buyers who want a cumulative bonus that can increase the base sum insured by up to 100%.
Customers who value unlimited automatic recharge for eligible repeat hospitalisations.
Individuals and families looking for health insurance with essential hospitalisation benefits.

Health Booster SuperTopup Individual Adult 1 Year N

Additional health insurance protection for eligible hospitalisation expenses beyond a selected deductible.

What Makes It Special:

Health Booster is a Super Top-up health insurance product intended to provide additional protection against eligible medical expenses once the applicable aggregate deductible is crossed.

Best For:

Individuals comparing top-up options based on deductible, sum insured, waiting periods and covered hospitalisation expenses.
Buyers comfortable with a Super Top-up structure in which eligible expenses are aggregated during the policy year.
Individuals who can manage eligible medical expenses falling within the deductible.
Adults who already have a base health insurance policy and want an additional layer of medical expense protection.
Individuals seeking additional protection against high hospitalisation expenses beyond a chosen deductible.

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.

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Quick Decision Guide

Care Supreme Value for Money

Additional benefits: Compare optional waiting-period modifications, OPD coverage and non-payable expense protection where available.
Waiting periods: Consider the 30-day initial waiting period, 24-month specific illness waiting period and 36-month pre-existing disease waiting period.
Network hospitals: Check whether suitable Smart Select hospitals are accessible where you live and expect to seek treatment.
Room eligibility: Understand the permitted room category and the potential financial impact of choosing a higher category.
Sum insured: Choose cover based on your location, healthcare costs, family size and financial commitments.

ICICI Lombard Health Booster SuperTopup Individual Adult 1 Year N

Verify the exact UIN, policy schedule, deductible and included benefits for the “SuperTopup Individual Adult 1 Year N” variant before purchasing.
Confirm that the applicable policy covers the treatments and hospital expenses you expect to claim, including any relevant exclusions or limits.
Review the initial, specific-disease and pre-existing disease waiting periods before relying on the policy for planned treatment.
Compare the selected sum insured with the potential cost of major hospitalisation before choosing the cover amount.
Check whether the deductible is aligned with your existing health insurance cover and the amount you could pay yourself.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Supreme Value for Money

Health Insurance Plan

Brochure

Policy Wording

Health Booster SuperTopup Individual Adult 1 Year N

Health Insurance Plan

Brochure

Room Rent
Supreme Value for Money Room eligibility is restricted under the Value for Money variant. The applicable room category and any associated claim deductions must be considered when choosing hospital accommodation.	Health Booster SuperTopup Individual Adult 1 Year N Room rent forms part of eligible in-patient hospitalisation expenses; any specific limits for this variant are not verified.

ICU Charges
Supreme Value for Money Eligible ICU expenses are covered without a separate monetary sublimit, subject to the applicable room and policy conditions.	Health Booster SuperTopup Individual Adult 1 Year N Covered as part of eligible in-patient hospitalisation expenses, subject to the deductible and policy terms.

Co-payment
Supreme Value for Money A 20% co-payment applies to eligible treatment taken outside the designated Smart Select network under the Value for Money variant. The insured bears the applicable share of the admissible claim.	Health Booster SuperTopup Individual Adult 1 Year N Not verified for this exact variant.

Disease-wise sublimits
Supreme Value for Money Eligible treatments are generally covered up to the sum insured, subject to policy terms, exclusions and any applicable room-related claim deductions.	Health Booster SuperTopup Individual Adult 1 Year N Not verified for this exact variant. Refer to the applicable policy schedule for any benefit-specific limits.

Cashless Healthcare Providers
Supreme Value for Money The insurer's network includes thousands of hospitals across India. The available network count varies by date; check the current network directory for participating hospitals.	Health Booster SuperTopup Individual Adult 1 Year N Cashless treatment is available at eligible network hospitals, subject to policy terms and hospital status. The current network count has not been verified.

Restoration Benefit
Supreme Value for Money Unlimited automatic recharge reinstates the base sum insured multiple times during the policy year for eligible related and unrelated illnesses, subject to the applicable terms.	Health Booster SuperTopup Individual Adult 1 Year N The insurer's general Health Booster information describes a reset of up to 100% of the sum insured once per policy year for eligible plans with a sum insured/deductible of ₹3 lakh or more. It applies to future eligible claims, does not trigger for the first claim and has restrictions for claims related to the same illness, disease or injury for the same person. Applicability to this exact variant is not verified.

Restoration Benefit

Supreme Value for Money

Unlimited automatic recharge reinstates the base sum insured multiple times during the policy year for eligible related and unrelated illnesses, subject to the applicable terms.

Health Booster SuperTopup Individual Adult 1 Year N

The insurer's general Health Booster information describes a reset of up to 100% of the sum insured once per policy year for eligible plans with a sum insured/deductible of ₹3 lakh or more. It applies to future eligible claims, does not trigger for the first claim and has restrictions for claims related to the same illness, disease or injury for the same person. Applicability to this exact variant is not verified.

Cumulative Bonus
Supreme Value for Money The sum insured increases by 50% for each completed policy year, up to 100% of the base sum insured. The accumulated bonus is not reduced by claims.	Health Booster SuperTopup Individual Adult 1 Year N The insurer's general Health Booster FAQ describes an Additional Sum Insured of 10% of the base sum insured for each claim-free renewal year, up to 50%; a claim can reduce the accrued amount. Applicability to this exact variant is not verified.

Daycare Treatment
Supreme Value for Money Eligible daycare procedures requiring less than 24 hours of hospitalisation are covered up to the sum insured, subject to policy conditions.	Health Booster SuperTopup Individual Adult 1 Year N Eligible daycare procedures are listed in the insurer's Health Booster key information, subject to policy terms.

Consumable Cover
Supreme Value for Money Standard cover does not automatically include every non-payable hospital expense. Claim Shield may cover specified non-payable items when included under the applicable variant.	Health Booster SuperTopup Individual Adult 1 Year N Not verified for this exact variant.

AYUSH Treatment
Supreme Value for Money Eligible inpatient and daycare AYUSH treatment is covered up to the sum insured, subject to policy conditions.	Health Booster SuperTopup Individual Adult 1 Year N In-patient AYUSH hospitalisation is listed in the insurer's published Health Booster key information, subject to policy terms. Applicability to this exact variant is not verified.

Initial Waiting Period
Supreme Value for Money 30 days for illnesses from policy inception. This waiting period does not apply to claims arising from accidents.	Health Booster SuperTopup Individual Adult 1 Year N 30 days for illnesses, except hospitalisation due to bodily injury, according to the insurer's general Health Booster information. Applicability to this exact variant should be confirmed.

Specific Waiting Period
Supreme Value for Money 24 months for listed illnesses and procedures, subject to the applicable policy conditions.	Health Booster SuperTopup Individual Adult 1 Year N 24 months for specified illnesses and treatments, subject to the policy wording.

PED Waiting Period
Supreme Value for Money 36 months for pre-existing diseases. An optional PED Waiting Period Modification benefit may reduce this to 1 or 2 years, where available and selected.	Health Booster SuperTopup Individual Adult 1 Year N 24 months of continuous coverage for pre-existing diseases declared and accepted by the insurer, according to the general Health Booster information.

Modern Treatment
Supreme Value for Money Eligible advanced technology treatments are covered up to the sum insured, subject to the policy's treatment definitions, conditions and exclusions.	Health Booster SuperTopup Individual Adult 1 Year N Not verified for this exact variant.

Annual Health Checkup
Supreme Value for Money Annual health check-ups are available as an optional benefit under the broader Care Supreme product. Availability under Value for Money depends on the applicable variant.	Health Booster SuperTopup Individual Adult 1 Year N The insurer's published Health Booster information mentions wellness and preventive healthcare, including routine health check-ups. Availability and limits for this exact variant are not verified.

Pre-Hospitalisation
Supreme Value for Money Eligible medical expenses incurred up to 60 days before hospitalisation are covered, subject to policy conditions and the sum insured.	Health Booster SuperTopup Individual Adult 1 Year N Eligible expenses are covered for up to 60 days before hospitalisation, subject to policy terms.

Post-Hospitalisation
Supreme Value for Money Eligible medical expenses are covered for up to 180 days after discharge, subject to policy conditions and the sum insured.	Health Booster SuperTopup Individual Adult 1 Year N Eligible expenses are covered for up to 90 days after hospitalisation, subject to policy terms.

Outpatient Department Cover (OPD Expense)
Supreme Value for Money Routine outpatient consultations are not part of the standard Value for Money coverage. Care OPD is a separate add-on policy, where available.	Health Booster SuperTopup Individual Adult 1 Year N Routine OPD coverage is not verified for this exact variant.

Deductible Option
Supreme Value for Money A deductible can be selected where offered. The insured must bear the opted aggregate deductible before the insurer pays eligible claims.	Health Booster SuperTopup Individual Adult 1 Year N A deductible applies before eligible base medical claims become payable. For a Super Top-up plan, the deductible is applied to aggregate eligible hospitalisation expenses during the policy year; the amount for this variant is not verified.

Coverage Options
Supreme Value for Money Individual coverage and family floater coverage are available under the Care Supreme product. Value for Money eligibility and sum insured options may be narrower than those of the broader product.	Health Booster SuperTopup Individual Adult 1 Year N The selected sum insured, deductible and policy configuration for this variant are not verified.

Claim Settlement Ratio
Supreme Value for Money Care Health Insurance's claim settlement ratio is an insurer-level metric, not a Value for Money product metric. The FY 2024–25 ratio reported by secondary sources is 96.74%; it should not be interpreted as a guarantee that an individual claim will be approved.	Health Booster SuperTopup Individual Adult 1 Year N FY 24-25: ~84%

Maternity Cover
Supreme Value for Money Pregnancy, childbirth and related maternity expenses are excluded under the standard plan. Network discounts are not equivalent to maternity insurance coverage.	Health Booster SuperTopup Individual Adult 1 Year N Not verified for this exact variant; not listed among the standard benefits in the referenced Health Booster key information.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Supreme Value for Money

Health Insurance Plan

Brochure

Policy Wording

Health Booster SuperTopup Individual Adult 1 Year N

Health Insurance Plan

Brochure

Room Rent
Supreme Value for Money Room eligibility is restricted under the Value for Money variant. The applicable room category and any associated claim deductions must be considered when choosing hospital accommodation.
VS VS
Health Booster SuperTopup Individual Adult 1 Year N Room rent forms part of eligible in-patient hospitalisation expenses; any specific limits for this variant are not verified.

ICU Charges
Supreme Value for Money Eligible ICU expenses are covered without a separate monetary sublimit, subject to the applicable room and policy conditions.
VS VS
Health Booster SuperTopup Individual Adult 1 Year N Covered as part of eligible in-patient hospitalisation expenses, subject to the deductible and policy terms.

Co-payment
Supreme Value for Money A 20% co-payment applies to eligible treatment taken outside the designated Smart Select network under the Value for Money variant. The insured bears the applicable share of the admissible claim.
VS VS
Health Booster SuperTopup Individual Adult 1 Year N Not verified for this exact variant.

Disease-wise sublimits
Supreme Value for Money Eligible treatments are generally covered up to the sum insured, subject to policy terms, exclusions and any applicable room-related claim deductions.
VS VS
Health Booster SuperTopup Individual Adult 1 Year N Not verified for this exact variant. Refer to the applicable policy schedule for any benefit-specific limits.

Cashless Healthcare Providers
Supreme Value for Money The insurer's network includes thousands of hospitals across India. The available network count varies by date; check the current network directory for participating hospitals.
VS VS
Health Booster SuperTopup Individual Adult 1 Year N Cashless treatment is available at eligible network hospitals, subject to policy terms and hospital status. The current network count has not been verified.

Restoration Benefit
Supreme Value for Money Unlimited automatic recharge reinstates the base sum insured multiple times during the policy year for eligible related and unrelated illnesses, subject to the applicable terms.
VS VS
Health Booster SuperTopup Individual Adult 1 Year N The insurer's general Health Booster information describes a reset of up to 100% of the sum insured once per policy year for eligible plans with a sum insured/deductible of ₹3 lakh or more. It applies to future eligible claims, does not trigger for the first claim and has restrictions for claims related to the same illness, disease or injury for the same person. Applicability to this exact variant is not verified.

Cumulative Bonus
Supreme Value for Money The sum insured increases by 50% for each completed policy year, up to 100% of the base sum insured. The accumulated bonus is not reduced by claims.
VS VS
Health Booster SuperTopup Individual Adult 1 Year N The insurer's general Health Booster FAQ describes an Additional Sum Insured of 10% of the base sum insured for each claim-free renewal year, up to 50%; a claim can reduce the accrued amount. Applicability to this exact variant is not verified.

Daycare Treatment
Supreme Value for Money Eligible daycare procedures requiring less than 24 hours of hospitalisation are covered up to the sum insured, subject to policy conditions.
VS VS
Health Booster SuperTopup Individual Adult 1 Year N Eligible daycare procedures are listed in the insurer's Health Booster key information, subject to policy terms.

Consumable Cover
Supreme Value for Money Standard cover does not automatically include every non-payable hospital expense. Claim Shield may cover specified non-payable items when included under the applicable variant.
VS VS
Health Booster SuperTopup Individual Adult 1 Year N Not verified for this exact variant.

AYUSH Treatment
Supreme Value for Money Eligible inpatient and daycare AYUSH treatment is covered up to the sum insured, subject to policy conditions.
VS VS
Health Booster SuperTopup Individual Adult 1 Year N In-patient AYUSH hospitalisation is listed in the insurer's published Health Booster key information, subject to policy terms. Applicability to this exact variant is not verified.

Initial Waiting Period
Supreme Value for Money 30 days for illnesses from policy inception. This waiting period does not apply to claims arising from accidents.
VS VS
Health Booster SuperTopup Individual Adult 1 Year N 30 days for illnesses, except hospitalisation due to bodily injury, according to the insurer's general Health Booster information. Applicability to this exact variant should be confirmed.

Specific Waiting Period
Supreme Value for Money 24 months for listed illnesses and procedures, subject to the applicable policy conditions.
VS VS
Health Booster SuperTopup Individual Adult 1 Year N 24 months for specified illnesses and treatments, subject to the policy wording.

PED Waiting Period
Supreme Value for Money 36 months for pre-existing diseases. An optional PED Waiting Period Modification benefit may reduce this to 1 or 2 years, where available and selected.
VS VS
Health Booster SuperTopup Individual Adult 1 Year N 24 months of continuous coverage for pre-existing diseases declared and accepted by the insurer, according to the general Health Booster information.

Modern Treatment
Supreme Value for Money Eligible advanced technology treatments are covered up to the sum insured, subject to the policy's treatment definitions, conditions and exclusions.
VS VS
Health Booster SuperTopup Individual Adult 1 Year N Not verified for this exact variant.

Annual Health Checkup
Supreme Value for Money Annual health check-ups are available as an optional benefit under the broader Care Supreme product. Availability under Value for Money depends on the applicable variant.
VS VS
Health Booster SuperTopup Individual Adult 1 Year N The insurer's published Health Booster information mentions wellness and preventive healthcare, including routine health check-ups. Availability and limits for this exact variant are not verified.

Pre-Hospitalisation
Supreme Value for Money Eligible medical expenses incurred up to 60 days before hospitalisation are covered, subject to policy conditions and the sum insured.
VS VS
Health Booster SuperTopup Individual Adult 1 Year N Eligible expenses are covered for up to 60 days before hospitalisation, subject to policy terms.

Post-Hospitalisation
Supreme Value for Money Eligible medical expenses are covered for up to 180 days after discharge, subject to policy conditions and the sum insured.
VS VS
Health Booster SuperTopup Individual Adult 1 Year N Eligible expenses are covered for up to 90 days after hospitalisation, subject to policy terms.

Outpatient Department Cover (OPD Expense)
Supreme Value for Money Routine outpatient consultations are not part of the standard Value for Money coverage. Care OPD is a separate add-on policy, where available.
VS VS
Health Booster SuperTopup Individual Adult 1 Year N Routine OPD coverage is not verified for this exact variant.

Deductible Option
Supreme Value for Money A deductible can be selected where offered. The insured must bear the opted aggregate deductible before the insurer pays eligible claims.
VS VS
Health Booster SuperTopup Individual Adult 1 Year N A deductible applies before eligible base medical claims become payable. For a Super Top-up plan, the deductible is applied to aggregate eligible hospitalisation expenses during the policy year; the amount for this variant is not verified.

Coverage Options
Supreme Value for Money Individual coverage and family floater coverage are available under the Care Supreme product. Value for Money eligibility and sum insured options may be narrower than those of the broader product.
VS VS
Health Booster SuperTopup Individual Adult 1 Year N The selected sum insured, deductible and policy configuration for this variant are not verified.

Claim Settlement Ratio
Supreme Value for Money Care Health Insurance's claim settlement ratio is an insurer-level metric, not a Value for Money product metric. The FY 2024–25 ratio reported by secondary sources is 96.74%; it should not be interpreted as a guarantee that an individual claim will be approved.
VS VS
Health Booster SuperTopup Individual Adult 1 Year N FY 24-25: ~84%

Maternity Cover
Supreme Value for Money Pregnancy, childbirth and related maternity expenses are excluded under the standard plan. Network discounts are not equivalent to maternity insurance coverage.
VS VS
Health Booster SuperTopup Individual Adult 1 Year N Not verified for this exact variant; not listed among the standard benefits in the referenced Health Booster key information.

Insurance Plans Comparison

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Senior Citizen Health Plan

Secure against age-related medical costs
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One policy covers the entire family
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Covers delivery, newborn care, and maternity expenses
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