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Insurance Plans Comparison

HDFC ERGO Health Wallet 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...

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HDFC ERGO

Health Wallet

Hospitalisation cover plus a carry-forward reserve for everyday medical costs

What Makes It Special:

Health Wallet pairs a conventional hospitalisation cover with a Reserve Benefit that behaves like a medical savings account inside the policy: unused amounts carry forward to the next policy year and earn a 6% bonus at renewal, the balance can be spent on outpatient and ordinarily non-payable costs such as...

Best For:

  • Families expecting to stay claim-free who want the Multiplier Benefit to double the basic sum insured over two years

  • Long-term policyholders who will stay beyond five renewals and want to use the accrued Reserve to pay up to half of their renewal premium

  • Buyers who already hold another health policy or a corporate cover and can take the optional deductible to reduce premium

  • People who dislike the idea of paying premiums with nothing to show for claim-free years, since the Reserve carries forward and earns a 6% bonus

  • Buyers who regularly spend on consultations, medicines, dental care, spectacles or diagnostics and want a policy that contributes to those costs, not only to hospitalisation

VS
ICICI Lombard

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

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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

HDFC ERGO Health Wallet

  • Room rent, ICU limits, pre- and post-hospitalisation periods, day care cover in India and AYUSH are not stated in the available summary literature, so read the policy wording on those before buying.

  • A claim resets the Multiplier Benefit's progress, so if you expect to claim in the early years, do not size the sum insured on the assumption that it will double.

  • The preventive health check-up limit is tied to your Reserve Benefit rather than being a flat entitlement, so ask what limit applies at your chosen sum insured before counting on it.

  • The built-in Restore Benefit is narrow — once a policy year, only after the basic sum insured and Multiplier are fully exhausted, only for future claims, and not for an illness already claimed that year — so price the Unlimited Restore add-on if multiple claims are a realistic prospect.

  • The optional deductible cancels the Recovery Benefit, so if the ₹10,000 lump sum for a stay beyond 10 days matters to you, weigh it against the premium the deductible saves.

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

Health Wallet
Health Wallet

Health Insurance Plan

Brochure

Policy Wording

VS
Health Booster SuperTopup Individual Adult 1 Year N
Health Booster SuperTopup Individual Adult 1 Year N

Health Insurance Plan

Brochure

Room Rent

Health Wallet

Normal: No Capping (Covered up to Sum Insured)

ICU: No Capping (Covered up to Sum Insured)

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

Health Wallet

Not specified

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.

Advanced Treatments

Health Wallet

Worldwide Emergency Treatment

Day Care Procedures

Preventive Health Check-Up

Unlimited Restore Add-On

VS

Health Booster SuperTopup Individual Adult 1 Year N

Information Unavailable

Co-payment

Health Wallet

None

VS

Health Booster SuperTopup Individual Adult 1 Year N

Not verified for this exact variant.

Disease-wise sublimits

Health Wallet

Not specified. Ambulance cover is limited to ₹2,000 per hospitalisation and the Recovery Benefit to a ₹10,000 lump sum

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

Health Wallet

14,000+ network hospitals across India

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

Health Wallet

Information Unavailable

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

Health Wallet

Multiplier Benefit — basic sum insured increases by 50% after a claim-free year and doubles after a second consecutive claim-free year. Separately, unused Reserve Benefit earns a 6% bonus at renewal

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

Health Wallet

Covered

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.

AYUSH Treatment

Health Wallet

Covered

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.

Consumable Cover

Health Wallet

Not covered as an indemnity benefit. The Reserve Benefit may instead be used to pay non-payable items generally excluded from a health insurance claim

VS

Health Booster SuperTopup Individual Adult 1 Year N

Not verified for this exact variant.

Initial Waiting Period

Health Wallet

30 days

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

Health Wallet

24 months for specified diseases including cataract, hernia, hysterectomy and joint replacement

VS

Health Booster SuperTopup Individual Adult 1 Year N

24 months for specified illnesses and treatments, subject to the policy wording.

PED Waiting Period

Health Wallet

36 months

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

Health Wallet

Not specified

VS

Health Booster SuperTopup Individual Adult 1 Year N

Not verified for this exact variant.

Annual Health Checkup

Health Wallet

Preventive health check-up at renewal irrespective of claims; the check-up limit eligibility is based on the Reserve Benefit

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

Health Wallet

Not specified

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

Health Wallet

Not specified

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)

Health Wallet

Not covered as a separate indemnity benefit. The Reserve Benefit can be used for outpatient costs including consultations with a medical practitioner, physiotherapist, dietician or speech therapist, medicines, vaccinations, dental expenses and outpatient diagnostic tests

VS

Health Booster SuperTopup Individual Adult 1 Year N

Routine OPD coverage is not verified for this exact variant.

Deductible Option

Health Wallet

Optional — applies on an individual basis for an individual sum insured policy and on a family floater basis for a floater policy; it does not reduce the sum insured. Choosing it removes the Recovery Benefit

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

Health Wallet

Information Unavailable

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

Health Wallet

97.45%

VS

Health Booster SuperTopup Individual Adult 1 Year N

FY 24-25: ~84%

Maternity Cover

Health Wallet

Not covered — expenses attributable directly or indirectly to pregnancy, including voluntary termination, and miscarriage except as a result of an accident or illness, are excluded

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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Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

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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)

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