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Insurance Plans Comparison

ICICI Lombard Health Booster SuperTopup Individual Adult 1 Year N vs ICICI Lombard Health Elite Plus

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

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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.

VS
ICICI Lombard

Health Elite Plus

Get a single private room and reset up to 100% of the sum insured once for the same illness and unlimited times for a different illness, with a 20% loyalty bonus up to 100% that stays after a claim.

What Makes It Special:

ICICI Lombard Health Elite Plus offers an unlimited reset benefit that can replenish up to 100% of the base sum insured when the available cover becomes insufficient after previous claims. It can be used unlimited times for different illnesses and once for the same illness, subject to policy conditions. The plan...

Best For:

  • Buyers who want the option to add specific benefits, such as worldwide hospitalisation cover or outpatient services, subject to eligibility and additional premium.

  • Customers seeking benefits such as donor expenses, domiciliary hospitalisation and air ambulance cover.

  • People who value a guaranteed cumulative bonus that can increase their available cover over time.

  • Buyers who want a reset benefit for eligible subsequent hospitalisation claims.

  • Individuals or families looking for a health insurance plan with multiple sum insured options.

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

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.

ICICI Lombard Health Elite Plus

  • If you need worldwide cover or other add-ons, confirm their availability, waiting periods, limits and additional premium before purchasing.

  • If you opt for voluntary co-payment or treatment outside your selected pricing zone, account for the applicable out-of-pocket share.

  • If you expect to use outpatient services, confirm whether the optional BeFit cover is selected and what its specific limits include.

  • If you have a pre-existing condition, check the 24-month waiting period and disclose your medical history accurately.

  • Choose a sum insured that fits your expected medical costs and check how room eligibility changes at the ₹20 lakh threshold.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

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

Health Insurance Plan

Brochure

VS
Health Elite Plus
Health Elite Plus

Health Insurance Plan

Brochure

Policy Wording

Room Rent

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.

VS

Health Elite Plus

  1. Normal: Covered Up to Sum Insured
  2. ICU: Covered up to sum insured
ICU Charges

Health Booster SuperTopup Individual Adult 1 Year N

Covered as part of eligible in-patient hospitalisation expenses, subject to the deductible and policy terms.

VS

Health Elite Plus

Not verified for the exact current variant configuration.

Advanced Treatments

Health Booster SuperTopup Individual Adult 1 Year N

Information Unavailable

VS

Health Elite Plus

  1. Oral chemotherapy
  2. Robotic surgeries
  3. Stem cell therapy
Co-payment

Health Booster SuperTopup Individual Adult 1 Year N

Not verified for this exact variant.

VS

Health Elite Plus

Insured can choose 10% or 20% co-payment, allowing cost-sharing for lower premium expenses.

Disease-wise sublimits

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.

VS

Health Elite Plus

Cataract treatment is limited to 10% of the sum insured, up to ₹1 lakh per eye, after the applicable two-year period. Other applicable limits and exclusions must be checked in the policy wording.

Cashless Healthcare Providers

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.

VS

Health Elite Plus

10,000+ Cashless Healthcare Providers

Restoration Benefit

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.

VS

Health Elite Plus

Reset of up to 100% of the base sum insured, unlimited times for different illnesses and once for the same illness. It does not trigger on the first claim and is subject to the policy conditions.

Cumulative Bonus

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.

VS

Health Elite Plus

Loyalty bonus is described in the available policy information; current applicable rate and maximum require verification.

Daycare Treatment

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.

VS

Health Elite Plus

Covers procedures requiring less than 24-hour hospitalization, like cataract surgery and chemotherapy.

Consumable Cover

Health Booster SuperTopup Individual Adult 1 Year N

Not verified for this exact variant.

VS

Health Elite Plus

Not verified as a standard benefit for the exact current variant.

AYUSH Treatment

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.

VS

Health Elite Plus

Coverage for Ayurveda, Yoga, Unani, Siddha, and Homeopathy at government-recognized institutions.

Initial Waiting Period

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.

VS

Health Elite Plus

30 days for illnesses from the start of the policy; accidents are excluded from this waiting-period restriction.

Specific Waiting Period

Health Booster SuperTopup Individual Adult 1 Year N

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

VS

Health Elite Plus

24 months for specified diseases and procedures listed in the policy.

PED Waiting Period

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.

VS

Health Elite Plus

24 months for declared and accepted pre-existing diseases, subject to policy terms and applicable portability rules.

Modern Treatment

Health Booster SuperTopup Individual Adult 1 Year N

Not verified for this exact variant.

VS

Health Elite Plus

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

Annual Health Checkup

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.

VS

Health Elite Plus

Preventive health check-up available at designated centres, subject to policy conditions.

Pre-Hospitalisation

Health Booster SuperTopup Individual Adult 1 Year N

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

VS

Health Elite Plus

60 days


Post-Hospitalisation

Health Booster SuperTopup Individual Adult 1 Year N

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

VS

Health Elite Plus

180 days.

Outpatient Department Cover (OPD Expense)

Health Booster SuperTopup Individual Adult 1 Year N

Routine OPD coverage is not verified for this exact variant.

VS

Health Elite Plus

Not included as a general unlimited standard benefit. Optional BeFit provides specified outpatient consultations and related benefits on a cashless basis, according to the selected plan.

Deductible Option

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.

VS

Health Elite Plus

No deductible option.

Coverage Options

Health Booster SuperTopup Individual Adult 1 Year N

The selected sum insured, deductible and policy configuration for this variant are not verified.

VS

Health Elite Plus

Individual and family floater options, with sum insured options from ₹5 lakh to ₹3 crore.

Claim Settlement Ratio

Health Booster SuperTopup Individual Adult 1 Year N

FY 24-25: ~84%

VS

Health Elite Plus

Information Unavailable

Maternity Cover

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.

VS

Health Elite Plus

Childbirth-related medical expenses are excluded, except ectopic pregnancy, as stated in the exclusions.

Insurance Plans Comparison

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Talk to experienced advisors at no cost, and make confident decisions

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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

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

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  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

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Insurance Plans Comparison

Explore Insurance Category

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  • Tailored for seniors healthcare needs

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Family Health Plan

  • 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

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

Having questions? We've got answers. Explore our FAQs to find the information you need.

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