Insurance Plans Comparison
ICICI Lombard Health Shield 360 Retail 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...
Read moreHealth Shield 360 Retail
Reset up to 100% of the sum insured once for the same illness and unlimited times for a different illness, and add a 20% cumulative bonus each claim-free year, up to 100% of the sum insured.
What Makes It Special:
Health Shield 360 Retail provides cover for eligible in-patient hospitalisation, day-care procedures, specified modern treatments, pre- and post-hospitalisation expenses, and in-patient AYUSH treatment. Its Reset Benefit can replenish cover within defined limits, while the Guaranteed Cumulative Bonus may increase the available cover after claim-free policy years. Wellness services and optional...
Best For:
Buyers interested in wellness services and optional benefits, provided the required cover is selected and recorded in the policy schedule.
People looking for a cumulative bonus that can increase available cover after claim-free years.
Buyers who value a reset benefit for eligible future hospitalisation claims.
Families considering a family-floater option, where eligible family members can be covered under one policy.
Individuals seeking health insurance for eligible hospitalisation and day-care treatment expenses.
VS
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
Compare optional benefits and their additional premiums against your needs, because an optional cover applies only when it has been selected and recorded in the policy documents.
Understand the Reset Benefit conditions, including the restriction on using it for the first claim and the rules for repeated claims relating to the same illness or injury.
Confirm the room eligibility, applicable co-payment, deductible and any disease or procedure sublimits in your Policy Schedule.
Review the waiting periods for pre-existing diseases and specified illnesses before relying on the policy for planned treatment.
Check the selected Sum Insured and whether an individual or family-floater policy suits the people you want to insure.
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 Shield 360 Retail Health Insurance Plan VS VS |
![]() Health Booster SuperTopup Individual Adult 1 Year N Health Insurance Plan |
| Room Rent |
|---|
Health Shield 360 Retail Covered up to Annual Sum Insured as per plan opted Covered up to Annual Sum Insured |
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. |
| Advanced Treatments |
|---|
Health Shield 360 Retail Uterine Artery Embolization (UAE) and HIFU Immunotherapy (Monoclonal Antibody Injection) Green Laser/Holmium Laser Treatment for Prostate Stem Cell Therapy for Hematological Conditions Balloon Sinuplasty Oral Chemotherapy Robotic Surgeries Stereotactic Radio Surgery Deep Brain Stimulation Intra Vitreal Injections Bronchial Thermoplasty Intra Operative Neuro Monitoring (IONM) |
VS VS |
Health Booster SuperTopup Individual Adult 1 Year N Information Unavailable |
| ICU Charges |
|---|
Health Shield 360 Retail Eligible ICU expenses are covered under in-patient treatment, within the applicable Annual Sum Insured 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 |
|---|
Health Shield 360 Retail Not mentioned |
VS VS |
Health Booster SuperTopup Individual Adult 1 Year N Not verified for this exact variant. |
| Disease-wise sublimits |
|---|
Health Shield 360 Retail Any applicable sublimits for specified illnesses, procedures or benefits are governed by the Policy Schedule and selected plan. |
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 |
|---|
Health Shield 360 Retail Available through network hospitals and healthcare providers |
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 |
|---|
Health Shield 360 Retail Information Unavailable |
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. |
| Daycare Treatment |
|---|
Health Shield 360 Retail Covered up to Annual Sum Insured |
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. |
| Cumulative Bonus |
|---|
Health Shield 360 Retail Guaranteed Cumulative Bonus can increase by 20% of the applicable Annual Sum Insured for each claim-free policy year, up to 100%. |
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. |
| AYUSH Treatment |
|---|
Health Shield 360 Retail Covered up to Annual Sum Insured |
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. |
| Consumable Cover |
|---|
Health Shield 360 Retail Eligible consumables are covered as part of hospitalisation expenses, except items listed as excluded non-medical expenses. |
VS VS |
Health Booster SuperTopup Individual Adult 1 Year N Not verified for this exact variant. |
| Initial Waiting Period |
|---|
Health Shield 360 Retail A 30-day waiting period applies to illnesses, subject to the policy wording and applicable exceptions. Accidental injuries are treated according to the policy’s terms. |
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 |
|---|
Health Shield 360 Retail Listed diseases and procedures may be subject to specific waiting periods. The applicable period and exclusions should be checked against the policy schedule and wording. |
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 |
|---|
Health Shield 360 Retail Pre-existing diseases are subject to the applicable waiting period and acceptance terms stated in the policy documents. |
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 |
|---|
Health Shield 360 Retail Covers specified modern treatments and procedures, including eligible robotic surgeries, oral chemotherapy and other listed treatments, subject to policy terms. |
VS VS |
Health Booster SuperTopup Individual Adult 1 Year N Not verified for this exact variant. |
| Annual Health Checkup |
|---|
Health Shield 360 Retail Annual check-up benefits are available under the applicable cover and plan terms. Eligibility and limits depend on the selected option. |
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 |
|---|
Health Shield 360 Retail Eligible medical expenses incurred before hospitalisation are covered for the period and within the limits specified in the Policy Schedule, subject to the related hospitalisation claim being admissible. |
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 |
|---|
Health Shield 360 Retail Eligible post-hospitalisation medical expenses are covered for the period and limits specified in the Policy Schedule, subject to acceptance of the related hospitalisation claim. |
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) |
|---|
Health Shield 360 Retail Out-patient consultations and other OPD services may be available under the applicable optional cover, subject to its limits and conditions. |
VS VS |
Health Booster SuperTopup Individual Adult 1 Year N Routine OPD coverage is not verified for this exact variant. |
| Deductible Option |
|---|
Health Shield 360 Retail A deductible, where applicable to the selected cover, is governed by the Policy Schedule and the terms of that cover. |
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 |
|---|
Health Shield 360 Retail The policy may be issued on an individual or family-floater basis, as recorded in the Policy Schedule. |
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 |
|---|
Health Shield 360 Retail FY 24-25: ~84% |
VS VS |
Health Booster SuperTopup Individual Adult 1 Year N FY 24-25: ~84% |
| Maternity Cover |
|---|
Health Shield 360 Retail Maternity-related expenses are covered only where the applicable cover is selected and recorded in the Policy Schedule, subject to its waiting period, limits and conditions. |
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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