Insurance Plans Comparison
ICICI Lombard Health Booster SuperTopup Individual Adult 1 Year N vs ICICI Lombard iHealth
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreHealth 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
iHealth
Reset up to 100% of the sum insured once in a policy year for a later unrelated illness, and cover inpatient hospitalisation, AYUSH treatment, specified day care procedures and a wellness programme.
What Makes It Special:
iHealth is a discontinued ICICI Lombard Complete Health Insurance tier, offered on an individual or floater basis. It covers in-patient hospitalisation, pre- and post-hospitalisation expenses, day-care procedures, and in-patient AYUSH treatment, with a 2-year waiting period for pre-existing diseases and a Reset Benefit for the sum insured.
Best For:
Existing policyholders reviewing their current iHealth cover before renewal, since this plan is no longer sold
Individuals who want coverage for hospitalisation and related pre- and post-hospitalisation costs
Policyholders who value a cumulative bonus that increases cover over claim-free years
Buyers who want a restoration feature to top up the sum insured after a large claim in the same year
Families who want a floater policy for parents, children, and spouse under one sum insured
Insurance Plans Comparison
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Quick Decision Guide
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.
Check the sublimits for listed surgeries, such as cataract at ₹20,000 per eye, if you are considering the lower sum insured options.
Maternity cover is not part of the base iHealth tier, so choose a higher tier if you need it and can wait 3 years.
Reset Benefit is limited to once per policy year and cannot be used for the same illness already claimed, so do not count it as unlimited cover.
Note the 2-year waiting period for pre-existing diseases and the listed illnesses, and plan your cover accordingly if you have an existing condition.
Because the plan is discontinued, check whether an ICICI Lombard successor such as Health Shield or Health Shield Plus suits your needs before buying.
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 VS VS |
![]() iHealth Health Insurance Plan |
| 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 |
iHealth Including in-patient hospitalization expenses such as room rent and ICU charges. Notably, there are no sub-limits on room rent or ICU charges. |
| 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 |
iHealth Covered under the in-patient hospitalisation cover up to the sum insured, for a hospitalisation of at least 24 consecutive hours. Kindly consult the policy wording for any cap. |
| Advanced Treatments |
|---|
Health Booster SuperTopup Individual Adult 1 Year N Information Unavailable |
VS VS |
iHealth ICICI iHealth covers advanced medical treatments, ensuring access to modern healthcare. It includes robotic surgeries, stem cell therapy (for approved conditions), targeted cancer therapies, and other cutting-edge procedures. |
| Co-payment |
|---|
Health Booster SuperTopup Individual Adult 1 Year N Not verified for this exact variant. |
VS VS |
iHealth Does not have a mandatory co-payment for most policyholders. However, for senior citizens or specific policy variants, a co-payment clause may apply, requiring the insured to bear a percentage of the claim amount. |
| 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 |
iHealth Sublimits apply to listed surgeries in the lower sum insured tiers. For example, cataract is limited to ₹20,000 per eye. Kindly consult the policy wording for the full schedule. |
| 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 |
iHealth 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 |
iHealth Reset Benefit: resets up to 100% of the sum insured once per policy year. Reset is not triggered by the first claim. The reset amount can be used only for future claims in the same policy year that are unrelated to an illness already claimed. Unused reset is not carried forward. |
| 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 |
iHealth Additional Sum Insured of 10% of the annual sum insured for each claim-free year, up to a maximum of 50%. A claim reduces the accumulated amount by 10% of the annual sum insured in the following year. |
| 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 |
iHealth Covered under the policy. |
| Consumable Cover |
|---|
Health Booster SuperTopup Individual Adult 1 Year N Not verified for this exact variant. |
VS VS |
iHealth Kindly refer to the policy wording. |
| 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 |
iHealth 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 |
iHealth 30 days from inception. Accident-related hospitalisation is exempt. |
| 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 |
iHealth 2 years for listed illnesses and procedures. Maternity has a 3-year waiting period where opted. |
| 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 |
iHealth 2 years for declared and accepted pre-existing diseases |
| Modern Treatment |
|---|
Health Booster SuperTopup Individual Adult 1 Year N Not verified for this exact variant. |
VS VS |
iHealth Kindly refer to the policy wording |
| 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 |
iHealth Free health check-up at designated centres. Floater policies receive a maximum of 2 coupons per year. |
| 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 |
iHealth Up to 30 days before hospitalisation, up to the sum insured |
| 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 |
iHealth Up to 60 days after discharge, up to the sum insured |
| 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 |
iHealth Outpatient Treatment Cover is available as a benefit in the plan tiers that include it. Reimbursement is subject to a limit of ₹5,000 on a floater basis. Kindly consult the plan details for eligibility. |
| 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 |
iHealth Kindly consult the policy wording |
| 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 |
iHealth Individual and floater cover. The base iHealth tier is available at ₹3, ₹4, and ₹5 lakh sum insured. |
| Claim Settlement Ratio |
|---|
Health Booster SuperTopup Individual Adult 1 Year N FY 24-25: ~84% |
VS VS |
iHealth FY 24-25: ~84% |
| 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 |
iHealth Not included in the base iHealth tier. Maternity cover with a 3-year waiting period is available in higher plan tiers only when opted for. It covers delivery and caesarean section (₹15,000 normal, ₹25,000 caesarean), pre- and post-natal expenses (₹2,000 each), and newborn cover (₹10,000), limited to two deliveries during the policy period. |
Insurance Plans Comparison
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