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Cashless claims let you get treatment at network hospitals without paying upfront, while reimbursement claims require you to pay first and get refunded later.

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How do co-payment clauses impact health insurance premiums and claim settlements?

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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Health Booster Supertopup Individual Adult 1 Year N Vs Complete Health Insurance Health Protect Plus Plan

Insurance Plans Comparison

ICICI Lombard Health Booster SuperTopup Individual Adult 1 Year N vs ICICI Lombard Complete Health Insurance Health Protect Plus Plan

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...

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.

Complete Health Insurance Health Protect Plus Plan

Cover maternity, a newborn and outpatient treatment together with hospital daily cash and a convalescence benefit, and reset up to 100% of the sum insured once in a policy year for a later unrelated illness.

What Makes It Special:

Health Protect Plus is a plan under ICICI Lombard Complete Health Insurance that combines inpatient hospitalisation cover with eligible daycare procedures, inpatient AYUSH treatment, pre- and post-hospitalisation expenses, and a reset benefit. The plan-specific Key Information Sheet also lists maternity cover after a 36-month waiting period, newborn baby cover following...

Best For:

Customers comparing hospitalisation benefits with optional critical illness, donor expense or personal accident covers.
Buyers who value a limited combined allowance for outpatient treatment and wellness expenses.
Policyholders who want a reset benefit after eligible use of the sum insured.
Eligible couples seeking maternity benefits with a three-year waiting period and defined delivery limits.
Buyers looking for inpatient hospitalisation and eligible daycare treatment cover.

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.

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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 Complete Health Insurance Health Protect Plus Plan

Confirm which optional covers have actually been selected and paid for; critical illness, donor expenses and personal accident cover should not be assumed to be included automatically.
Treat the ₹5,000 outpatient and wellness allowance as a combined floater limit, not a separate limit for each benefit.
Review the cataract sub-limit carefully, as the applicable limit depends on the selected sum insured.
If maternity cover matters, check the 36-month waiting period, the requirement for both spouses to be insured and the delivery-related sub-limits.
Verify the sum insured and room-rent limits in the policy schedule before comparing premiums or coverage.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Booster SuperTopup Individual Adult 1 Year N

Health Insurance Plan

Brochure

Complete Health Insurance Health Protect Plus Plan

Health Insurance Plan

Brochure

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.	Complete Health Insurance Health Protect Plus Plan ICICI Health Protect Plus offers coverage for room rent, including both normal and ICU hospitalization, without any sub-limits.

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.	Complete Health Insurance Health Protect Plus Plan Covered under inpatient treatment, subject to applicable policy terms and limits.

Advanced Treatments
Health Booster SuperTopup Individual Adult 1 Year N Information Unavailable	Complete Health Insurance Health Protect Plus Plan Covers advanced treatments, including robotic surgeries, stem cell therapy (if medically necessary), oral chemotherapy, and modern procedures like targeted therapy.

Co-payment
Health Booster SuperTopup Individual Adult 1 Year N Not verified for this exact variant.	Complete Health Insurance Health Protect Plus Plan Does not have a mandatory co-payment for most treatments. However, co-payment may apply for senior citizens or specific medical conditions as per policy terms.

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.	Complete Health Insurance Health Protect Plus Plan Cataract: ₹20,000 per eye per policy year for sum insured up to ₹5 lakh; ₹1 lakh per eye per policy year for sum insured above ₹5 lakh.

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.	Complete Health Insurance Health Protect Plus Plan 10,896+ hospitals across india

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.	Complete Health Insurance Health Protect Plus Plan Reset Benefit restores up to 100% of sum insured once per policy year, subject to policy conditions; it does not trigger on the first claim.

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.

Complete Health Insurance Health Protect Plus Plan

Reset Benefit restores up to 100% of sum insured once per policy year, subject to policy conditions; it does not trigger on the first claim.

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.	Complete Health Insurance Health Protect Plus Plan 10% of annual sum insured per claim-free year, up to 50%; a claim can reduce accrued bonus by 10% of annual sum insured at renewal.

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.	Complete Health Insurance Health Protect Plus Plan Covered under the policy.

Consumable Cover
Health Booster SuperTopup Individual Adult 1 Year N Not verified for this exact variant.	Complete Health Insurance Health Protect Plus Plan No separate consumables benefit verified in the available plan-specific information.

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.	Complete Health Insurance Health Protect Plus Plan Covered under this policy

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.	Complete Health Insurance Health Protect Plus Plan 30 days for illnesses; injury-related hospitalisation is excepted.

Specific Waiting Period
Health Booster SuperTopup Individual Adult 1 Year N 24 months for specified illnesses and treatments, subject to the policy wording.	Complete Health Insurance Health Protect Plus Plan 24 months for specified illnesses and treatments.

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.	Complete Health Insurance Health Protect Plus Plan 24 months of continuous coverage.

Modern Treatment
Health Booster SuperTopup Individual Adult 1 Year N Not verified for this exact variant.	Complete Health Insurance Health Protect Plus Plan Not verified in the available Health Protect Plus Key Information Sheet.

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.	Complete Health Insurance Health Protect Plus Plan Free health-check-up coupon each policy year, subject to a maximum of 2 coupons annually for floater policies.

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.	Complete Health Insurance Health Protect Plus Plan Up to 30 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.	Complete Health Insurance Health Protect Plus Plan Up to 60 days.

Outpatient Department Cover (OPD Expense)
Health Booster SuperTopup Individual Adult 1 Year N Routine OPD coverage is not verified for this exact variant.	Complete Health Insurance Health Protect Plus Plan Included with Wellness & Preventive Healthcare within a combined ₹5,000 floater limit.

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.	Complete Health Insurance Health Protect Plus Plan Not verified in the available plan-specific information.

Coverage Options
Health Booster SuperTopup Individual Adult 1 Year N The selected sum insured, deductible and policy configuration for this variant are not verified.	Complete Health Insurance Health Protect Plus Plan Individual or floater structure; exact sum insured choices require verification from the applicable schedule.

Claim Settlement Ratio
Health Booster SuperTopup Individual Adult 1 Year N FY 24-25: ~84%	Complete Health Insurance Health Protect Plus Plan Not verified against a current, comparable insurer-level CSR disclosure.

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.	Complete Health Insurance Health Protect Plus Plan Available after 36 months: normal delivery ₹15,000; caesarean delivery ₹25,000; pre- and post-natal expenses ₹2,000 each, subject to eligibility conditions.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Booster SuperTopup Individual Adult 1 Year N

Health Insurance Plan

Brochure

Complete Health Insurance Health Protect Plus Plan

Health Insurance Plan

Brochure

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 VS
Complete Health Insurance Health Protect Plus Plan ICICI Health Protect Plus offers coverage for room rent, including both normal and ICU hospitalization, without any sub-limits.

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 VS
Complete Health Insurance Health Protect Plus Plan Covered under inpatient treatment, subject to applicable policy terms and limits.

Advanced Treatments
Health Booster SuperTopup Individual Adult 1 Year N Information Unavailable
VS VS
Complete Health Insurance Health Protect Plus Plan Covers advanced treatments, including robotic surgeries, stem cell therapy (if medically necessary), oral chemotherapy, and modern procedures like targeted therapy.

Co-payment
Health Booster SuperTopup Individual Adult 1 Year N Not verified for this exact variant.
VS VS
Complete Health Insurance Health Protect Plus Plan Does not have a mandatory co-payment for most treatments. However, co-payment may apply for senior citizens or specific medical conditions as per policy terms.

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 VS
Complete Health Insurance Health Protect Plus Plan Cataract: ₹20,000 per eye per policy year for sum insured up to ₹5 lakh; ₹1 lakh per eye per policy year for sum insured above ₹5 lakh.

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 VS
Complete Health Insurance Health Protect Plus Plan 10,896+ hospitals across india

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 VS
Complete Health Insurance Health Protect Plus Plan Reset Benefit restores up to 100% of sum insured once per policy year, subject to policy conditions; it does not trigger on the first claim.

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 VS
Complete Health Insurance Health Protect Plus Plan 10% of annual sum insured per claim-free year, up to 50%; a claim can reduce accrued bonus by 10% of annual sum insured at renewal.

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 VS
Complete Health Insurance Health Protect Plus Plan Covered under the policy.

Consumable Cover
Health Booster SuperTopup Individual Adult 1 Year N Not verified for this exact variant.
VS VS
Complete Health Insurance Health Protect Plus Plan No separate consumables benefit verified in the available plan-specific information.

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 VS
Complete Health Insurance Health Protect Plus Plan Covered under this policy

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 VS
Complete Health Insurance Health Protect Plus Plan 30 days for illnesses; injury-related hospitalisation is excepted.

Specific Waiting Period
Health Booster SuperTopup Individual Adult 1 Year N 24 months for specified illnesses and treatments, subject to the policy wording.
VS VS
Complete Health Insurance Health Protect Plus Plan 24 months for specified illnesses and treatments.

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 VS
Complete Health Insurance Health Protect Plus Plan 24 months of continuous coverage.

Modern Treatment
Health Booster SuperTopup Individual Adult 1 Year N Not verified for this exact variant.
VS VS
Complete Health Insurance Health Protect Plus Plan Not verified in the available Health Protect Plus Key Information Sheet.

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 VS
Complete Health Insurance Health Protect Plus Plan Free health-check-up coupon each policy year, subject to a maximum of 2 coupons annually for floater policies.

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 VS
Complete Health Insurance Health Protect Plus Plan Up to 30 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 VS
Complete Health Insurance Health Protect Plus Plan Up to 60 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 VS
Complete Health Insurance Health Protect Plus Plan Included with Wellness & Preventive Healthcare within a combined ₹5,000 floater limit.

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 VS
Complete Health Insurance Health Protect Plus Plan Not verified in the available plan-specific information.

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 VS
Complete Health Insurance Health Protect Plus Plan Individual or floater structure; exact sum insured choices require verification from the applicable schedule.

Claim Settlement Ratio
Health Booster SuperTopup Individual Adult 1 Year N FY 24-25: ~84%
VS VS
Complete Health Insurance Health Protect Plus Plan Not verified against a current, comparable insurer-level CSR disclosure.

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 VS
Complete Health Insurance Health Protect Plus Plan Available after 36 months: normal delivery ₹15,000; caesarean delivery ₹25,000; pre- and post-natal expenses ₹2,000 each, subject to eligibility conditions.

Insurance Plans Comparison

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Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

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

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

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ICICI Lombard Health Booster SuperTopup Individual Adult 1 Year N vs ICICI Lombard Complete Health Insurance Health Protect Plus Plan

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