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Insurance Plans Comparison

Star Special Care Gold 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...

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Star

Special Care Gold

Cover hospital bills for a listed disability or HIV with a 20% co-pay, and if the CD4 count falls below 150 after 90 days pay a once-in-a-lifetime lump sum of the sum insured or the remaining balance.

What Makes It Special:

Special Care Gold is designed for persons with disabilities and individuals with HIV/AIDS. The product provides individual indemnity and benefit coverage, with defined eligibility requirements, hospitalisation cover, daycare treatment, AYUSH treatment, modern treatment coverage and a 20% co-payment that can be waived through an optional benefit.

Best For:

  • Customers who need defined coverage with optional co-payment waiver

  • Customers looking for AYUSH hospitalisation coverage

  • Families seeking specialised health insurance for eligible members

  • Eligible individuals living with HIV/AIDS

  • Eligible persons with disabilities

VS
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.

Insurance Plans Comparison

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Quick Decision Guide

Star Special Care Gold

  • No pre-policy medical test is required, subject to submission requirements.

  • A co-payment waiver is available for additional premium.

  • AYUSH inpatient treatment is covered up to 100% of Sum Insured.

  • Sum Insured options of ₹4 Lakh and ₹5 Lakh are available.

  • The product is specifically structured for disability and HIV/AIDS-related eligibility.

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.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Special Care Gold
Special Care Gold

Health Insurance Plan

Brochure

Policy Wording

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

Health Insurance Plan

Brochure

Room Rent

Special Care Gold

Up to 1% of Sum Insured per day

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.

ICU Charges

Special Care Gold

Up to 2% of Sum Insured per day

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.

Disease-wise sublimits

Special Care Gold

Specified treatment limits apply


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.

Co-payment

Special Care Gold

20% on all claims; waiver available for additional premium


VS

Health Booster SuperTopup Individual Adult 1 Year N

Not verified for this exact variant.

Restoration Benefit

Special Care Gold

Not specified

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.

Cashless Healthcare Providers

Special Care Gold

Cashless treatment available at network hospitals


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.

Cumulative Bonus

Special Care Gold

Not specified

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.

Daycare Treatment

Special Care Gold

All daycare procedures covered

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.

Consumable Cover

Special Care Gold

Not specified

VS

Health Booster SuperTopup Individual Adult 1 Year N

Not verified for this exact variant.

AYUSH Treatment

Special Care Gold

Covered up to 100% of Sum Insured

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.

Initial Waiting Period

Special Care Gold

30 Days for indemnity basis; 90 Days for HIV/AIDS benefit basis


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

Special Care Gold

24 Months

VS

Health Booster SuperTopup Individual Adult 1 Year N

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

PED Waiting Period

Special Care Gold

36 Months for PEDs other than specified disability and HIV/AIDS; 24 Months for pre-existing disability


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

Special Care Gold

Covered up to 50% of Sum Insured for listed modern treatments

VS

Health Booster SuperTopup Individual Adult 1 Year N

Not verified for this exact variant.

Annual Health Checkup

Special Care Gold

Not specified


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

Special Care Gold

Up to 30 Days

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

Special Care Gold

Up to 60 Days

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)

Special Care Gold

Not a standard OPD benefit


VS

Health Booster SuperTopup Individual Adult 1 Year N

Routine OPD coverage is not verified for this exact variant.

Deductible Option

Special Care Gold

Not specified

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

Special Care Gold

₹4 Lakh and ₹5 Lakh, individual basis


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

Special Care Gold

Not specified


VS

Health Booster SuperTopup Individual Adult 1 Year N

FY 24-25: ~84%

Maternity Cover

Special Care Gold

Not specified as a standard maternity benefit

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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What Our Experts Help You With

Personalised Recommendations

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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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  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

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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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