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Health Booster Supertopup Individual Adult 1 Year N Vs Cardiac Care Platinum

Insurance Plans Comparison

ICICI Lombard Health Booster SuperTopup Individual Adult 1 Year N vs Star Cardiac Care Platinum

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.

Cardiac Care Platinum

Health cover for heart patients with cardiac cover from day 31, plus non-cardiac, OPD and health check-up benefits.

What Makes It Special:

A specialised health plan for people who have already had heart treatment, including cardiac surgery or a procedure. It covers heart-related hospitalisation after 30 days, as well as non-cardiac illness and accident cover, OPD expenses and an annual health check-up.

Best For:

Patients who may need cardiac devices such as pacemakers or AICD.
People who want heart and non-heart hospitalisation in one plan.
People wanting cardiac cover after a 30-day waiting period.
Heart patients who find it hard to get a regular health policy.
People aged 7 to 70 who have had cardiac surgery or a procedure, such as angioplasty or bypass.

Insurance Plans Comparison

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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.

Star Cardiac Care Platinum

Things to Consider: Maternity is not covered, and the premium is higher than a standard health plan.
Things to Consider: Sublimits apply to cataract, cardiac devices, angiogram, rehabilitation and modern treatments.
Things to Consider: Restoration does not apply to cardiac claims or modern treatments.
Things to Consider: Sum Insured is capped at ₹15 lakh.
Things to Consider: Non-cardiac pre-existing diseases have a 36-month waiting period.
Reasons to Consider: Cardiac devices up to 50% of SI, heart transplantation and coronary angiogram are specifically covered.
Reasons to Consider: OPD expenses and an annual health check-up are paid in addition to the Sum Insured.
Reasons to Consider: Hospitalisation includes a single private AC room.
Reasons to Consider: No pre-policy medical tests are required, but past medical records must be submitted.
Reasons to Consider: Cardiac ailments, including pre-existing heart conditions, are covered after only 30 days.

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

Cardiac Care Platinum

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.	Cardiac Care Platinum Single Private A/C Room; proportionate deduction applies for a higher room category, except where the hospital does not use differential billing.

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.	Cardiac Care Platinum Covered as part of hospitalisation expenses up to Sum Insured in Sections 1 and 2; no separate ICU cap stated.

Co-payment
Health Booster SuperTopup Individual Adult 1 Year N Not verified for this exact variant.	Cardiac Care Platinum No co-payment clause found in the policy documents.

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.	Cardiac Care Platinum Cataract: ₹30,000 per eye (maximum ₹40,000 per year) for SI ₹5L; ₹40,000 per eye (maximum ₹60,000 per year) for higher SI. Cardiac devices up to 50% of SI; conventional coronary angiogram ₹20,000 for SI up to ₹7.5L or ₹25,000 above; rehabilitation and pain management up to 10% of SI; modern treatment sublimits apply; coronary stents are subject to DPCO/NPPA caps.

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.

Cardiac Care Platinum

Cataract: ₹30,000 per eye (maximum ₹40,000 per year) for SI ₹5L; ₹40,000 per eye (maximum ₹60,000 per year) for higher SI. Cardiac devices up to 50% of SI; conventional coronary angiogram ₹20,000 for SI up to ₹7.5L or ₹25,000 above; rehabilitation and pain management up to 10% of SI; modern treatment sublimits apply; coronary stents are subject to DPCO/NPPA caps.

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.	Cardiac Care Platinum Cashless treatment is available at Star Health network hospitals for Sections 1 and 2. Reimbursement is available at non-network hospitals; network hospital count requires verification.

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.	Cardiac Care Platinum Automatic restoration of 100% of Basic Sum Insured once per policy period under Section 1 only, for unrelated illness; not available for cardiac ailments or modern treatments.

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.

Cardiac Care Platinum

Automatic restoration of 100% of Basic Sum Insured once per policy period under Section 1 only, for unrelated illness; not available for cardiac ailments or modern treatments.

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.	Cardiac Care Platinum 10% of the Basic Sum Insured for each claim-free year, up to 100%; not applicable to Section 3 OPD.

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.	Cardiac Care Platinum All Day care procedures are covered.

Consumable Cover
Health Booster SuperTopup Individual Adult 1 Year N Not verified for this exact variant.	Cardiac Care Platinum Not mentioned as a separate benefit in the policy documents.

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.	Cardiac Care Platinum In-patient AYUSH treatment is covered up to the Sum Insured under Sections 1 and 2. Yoga and Naturopathy require prior approval.

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.	Cardiac Care Platinum 30 days for illness under Section 1; accidents are covered from day 1. Section 2 cardiac cover also has a 30-day waiting period.

Specific Waiting Period
Health Booster SuperTopup Individual Adult 1 Year N 24 months for specified illnesses and treatments, subject to the policy wording.	Cardiac Care Platinum 24 months for listed diseases and procedures in Section 1; 24 months for heart transplantation.

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.	Cardiac Care Platinum 36 months for non-cardiac pre-existing diseases in Section 1; 30 days for cardiac pre-existing diseases in Section 2.

Modern Treatment
Health Booster SuperTopup Individual Adult 1 Year N Not verified for this exact variant.	Cardiac Care Platinum Covered under Sections 1 and 2, subject to treatment-wise sublimits by Sum Insured. Examples: robotic surgery ₹2.5L–₹4L; oral chemotherapy ₹1.25L–₹2.5L; immunotherapy ₹2.5L–₹5L. Bronchial thermoplasty, prostate vaporisation and IONM are covered up to the Sum Insured. These benefits are part of the Sum Insured.

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.	Cardiac Care Platinum Covered every policy year irrespective of claims at network facilities: ₹2,000 for SI ₹5L and ₹7.5L, ₹3,000 for ₹10L, and ₹4,000 for ₹15L; in addition to the Sum Insured.

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.	Cardiac Care Platinum Up to 30 days before admission.

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.	Cardiac Care Platinum Up to 60 days after discharge.

Outpatient Department Cover (OPD Expense)
Health Booster SuperTopup Individual Adult 1 Year N Routine OPD coverage is not verified for this exact variant.	Cardiac Care Platinum Covered at network facilities, including vaccination, on a reimbursement basis: ₹2,500 / ₹3,000 / ₹3,500 / ₹5,000 per policy period for SI ₹5L / ₹7.5L / ₹10L / ₹15L. In addition to the Sum Insured. Cardiac treatment is payable under Section 2, not under OPD.

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.	Cardiac Care Platinum Not available or mentioned in the policy documents.

Coverage Options
Health Booster SuperTopup Individual Adult 1 Year N The selected sum insured, deductible and policy configuration for this variant are not verified.	Cardiac Care Platinum Sum Insured ₹5L, ₹7.5L, ₹10L, or ₹15L. Entry age 7–70 years with a past cardiac ailment treated by surgical intervention or procedure. Policy term 1, 2, or 3 years; lifelong renewal.

Claim Settlement Ratio
Health Booster SuperTopup Individual Adult 1 Year N FY 24-25: ~84%	Cardiac Care Platinum 92.16% of claims settled by number in FY 2025–26.

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.	Cardiac Care Platinum Not covered; maternity is excluded under Code Excl 18.

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

Cardiac Care Platinum

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
Cardiac Care Platinum Single Private A/C Room; proportionate deduction applies for a higher room category, except where the hospital does not use differential billing.

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
Cardiac Care Platinum Covered as part of hospitalisation expenses up to Sum Insured in Sections 1 and 2; no separate ICU cap stated.

Co-payment
Health Booster SuperTopup Individual Adult 1 Year N Not verified for this exact variant.
VS VS
Cardiac Care Platinum No co-payment clause found in the policy documents.

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
Cardiac Care Platinum Cataract: ₹30,000 per eye (maximum ₹40,000 per year) for SI ₹5L; ₹40,000 per eye (maximum ₹60,000 per year) for higher SI. Cardiac devices up to 50% of SI; conventional coronary angiogram ₹20,000 for SI up to ₹7.5L or ₹25,000 above; rehabilitation and pain management up to 10% of SI; modern treatment sublimits apply; coronary stents are subject to DPCO/NPPA caps.

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
Cardiac Care Platinum Cashless treatment is available at Star Health network hospitals for Sections 1 and 2. Reimbursement is available at non-network hospitals; network hospital count requires verification.

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
Cardiac Care Platinum Automatic restoration of 100% of Basic Sum Insured once per policy period under Section 1 only, for unrelated illness; not available for cardiac ailments or modern treatments.

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
Cardiac Care Platinum 10% of the Basic Sum Insured for each claim-free year, up to 100%; not applicable to Section 3 OPD.

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
Cardiac Care Platinum All Day care procedures are covered.

Consumable Cover
Health Booster SuperTopup Individual Adult 1 Year N Not verified for this exact variant.
VS VS
Cardiac Care Platinum Not mentioned as a separate benefit in the policy documents.

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
Cardiac Care Platinum In-patient AYUSH treatment is covered up to the Sum Insured under Sections 1 and 2. Yoga and Naturopathy require prior approval.

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
Cardiac Care Platinum 30 days for illness under Section 1; accidents are covered from day 1. Section 2 cardiac cover also has a 30-day waiting period.

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
Cardiac Care Platinum 24 months for listed diseases and procedures in Section 1; 24 months for heart transplantation.

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
Cardiac Care Platinum 36 months for non-cardiac pre-existing diseases in Section 1; 30 days for cardiac pre-existing diseases in Section 2.

Modern Treatment
Health Booster SuperTopup Individual Adult 1 Year N Not verified for this exact variant.
VS VS
Cardiac Care Platinum Covered under Sections 1 and 2, subject to treatment-wise sublimits by Sum Insured. Examples: robotic surgery ₹2.5L–₹4L; oral chemotherapy ₹1.25L–₹2.5L; immunotherapy ₹2.5L–₹5L. Bronchial thermoplasty, prostate vaporisation and IONM are covered up to the Sum Insured. These benefits are part of the Sum Insured.

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
Cardiac Care Platinum Covered every policy year irrespective of claims at network facilities: ₹2,000 for SI ₹5L and ₹7.5L, ₹3,000 for ₹10L, and ₹4,000 for ₹15L; in addition to the Sum Insured.

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
Cardiac Care Platinum Up to 30 days before admission.

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
Cardiac Care Platinum Up to 60 days after discharge.

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
Cardiac Care Platinum Covered at network facilities, including vaccination, on a reimbursement basis: ₹2,500 / ₹3,000 / ₹3,500 / ₹5,000 per policy period for SI ₹5L / ₹7.5L / ₹10L / ₹15L. In addition to the Sum Insured. Cardiac treatment is payable under Section 2, not under OPD.

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
Cardiac Care Platinum Not available or mentioned in the policy documents.

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
Cardiac Care Platinum Sum Insured ₹5L, ₹7.5L, ₹10L, or ₹15L. Entry age 7–70 years with a past cardiac ailment treated by surgical intervention or procedure. Policy term 1, 2, or 3 years; lifelong renewal.

Claim Settlement Ratio
Health Booster SuperTopup Individual Adult 1 Year N FY 24-25: ~84%
VS VS
Cardiac Care Platinum 92.16% of claims settled by number in FY 2025–26.

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
Cardiac Care Platinum Not covered; maternity is excluded under Code Excl 18.

Insurance Plans Comparison

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