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Insurance Plans Comparison

HDFC ERGO Optima Lite 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

Optima Lite

Restore your sum insured unlimited times for the same or a different illness, add 10% of the base sum insured every year even after a claim, up to 100%, and cap room rent at 1% a day.

What Makes It Special:

HDFC ERGO Optima Lite is a health insurance plan with ₹5 lakh and ₹7.5 lakh base sum-insured options, unlimited automatic restoration, cumulative bonus and preventive health check-ups. It also offers optional benefits such as an aggregate deductible, Protect Benefit and Plus Benefit, allowing customers to adjust coverage and premiums according...

Best For:

  • Policyholders who want the flexibility to add non-medical expense coverage or increase their cover through optional benefits.

  • Customers looking to manage premiums through an optional aggregate deductible.

  • Buyers who value repeated restoration of the base sum insured for subsequent admissible claims.

  • Families considering individual or family floater coverage under one policy.

  • Individuals seeking a base health cover of ₹5 lakh or ₹7.5 lakh.

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

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

  • Check whether Protect Benefit or Plus Benefit is selected, because these optional benefits are not automatically included in every policy.

  • Consider the aggregate deductible only if you can afford to pay the selected deductible amount when making claims.

  • Review the waiting periods and confirm the applicable PED terms against your medical history before purchasing.

  • Check the 1% room-rent and 2% ICU daily limits before choosing the plan, as exceeding the applicable limits may result in proportionate deductions.

  • Compare the ₹5 lakh and ₹7.5 lakh base options against your expected hospitalisation costs and financial capacity.

  • 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

Optima Lite
Optima Lite

Health Insurance Plan

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

Health Insurance Plan

Brochure

Room Rent

Optima Lite

Normal: Up to 1% of Base Sum Insured per day

ICU: Up to 2% of Base Sum Insured per day

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.

Advanced Treatments

Optima Lite

Robotic Surgeries

Oral Chemotherapy

Deep Brain Stimulation

Balloon Sinuplasty

Bronchial Thermoplasty

Stereotactic Radio Surgeries

Intra Vitreal Injections

Immunotherapy

Vaporisation of Prostate

IONM (Intra Operative Neuro Monitoring)

Stem Cell Therapy

VS

Health Booster SuperTopup Individual Adult 1 Year N

Information Unavailable

ICU Charges

Optima Lite

Up to 2% of base sum insured per day.

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

Optima Lite

Not mentioned

VS

Health Booster SuperTopup Individual Adult 1 Year N

Not verified for this exact variant.

Disease-wise sublimits

Optima Lite

Not verified for all listed treatments; refer to the applicable policy wording.

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

Optima Lite

16,000+ Cashless Healthcare Providers

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

Optima Lite

Unlimited automatic restoration of up to 100% of base sum insured for subsequent claims during the policy year, subject to conditions.

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.

Daycare Treatment

Optima Lite

Covered up to Sum Insured

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.

Cumulative Bonus

Optima Lite

10% of base sum insured per policy year, up to 100%, irrespective of claims.

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.

AYUSH Treatment

Optima Lite

Covered up to Sum Insured

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

Optima Lite

Optional Protect Benefit covers listed non-medical expenses and consumables.

VS

Health Booster SuperTopup Individual Adult 1 Year N

Not verified for this exact variant.

Initial Waiting Period

Optima Lite

30 days for illnesses; eligible accidental injury claims are exempt.

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

Optima Lite

2 years for specified illnesses and procedures.

VS

Health Booster SuperTopup Individual Adult 1 Year N

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

PED Waiting Period

Optima Lite

Not verified; confirm against the applicable policy wording.

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

Optima Lite

Information Unavailable

VS

Health Booster SuperTopup Individual Adult 1 Year N

Not verified for this exact variant.

Annual Health Checkup

Optima Lite

Available annually after the first policy year; limit depends on policy type.

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

Optima Lite

30 days for eligible expenses.

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

Optima Lite

60 days for eligible expenses.

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)

Optima Lite

Optima Wellbeing add-on offers OPD-related services in select cities; not a standard base-plan benefit.

VS

Health Booster SuperTopup Individual Adult 1 Year N

Routine OPD coverage is not verified for this exact variant.

Deductible Option

Optima Lite

Optional aggregate deductible of ₹10,000, ₹25,000 or ₹50,000; premium discount may be available.

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

Optima Lite

₹5 lakh or ₹7.5 lakh base sum insured; individual or family floater.

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

Optima Lite

Not verified using the latest comparable insurer-level CSR metric. Do not substitute older marketing figures or a different claims metric.

VS

Health Booster SuperTopup Individual Adult 1 Year N

FY 24-25: ~84%

Maternity Cover

Optima Lite

Covered up to the applicable sum insured, subject to policy terms and exclusions.

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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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

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  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

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  • One policy covers the entire family

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  • Multiple coverage options based on your family needs

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Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

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Optima Lite Vs Health Booster Supertopup Individual Adult 1 Year N

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