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Insurance Plans Comparison

ICICI Lombard Health Booster SuperTopup Individual Adult 1 Year N vs Star Young Star Silver

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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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.

VS
Star

Young Star Silver

For adults from 18 to 40, get a single private air-conditioned room, an automatic 100% restoration of the basic sum insured when cover is used, and a 20% cumulative bonus each claim-free year up to 100%.

What Makes It Special:

Young Star Insurance Policy is designed for eligible young adults and their families, with Silver and Gold Plan structures. The Silver Plan provides hospitalisation and daycare coverage with automatic restoration, cumulative bonus, health check-up, wellness benefits and Hospital Cash Benefit.

Best For:

  • Global treatment and maternity cover

  • Unlimited loyalty and wellness benefits

  • Flexible high-limit coverage plan

  • Smart young adult health protection

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.

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 Young Star Silver

  • You prefer coverage for AYUSH, diagnostics, and emergencies

  • You seek maternity and newborn coverage included

  • You need cashless hospital treatment nationwide

  • You prefer no medical screening for easy access

  • You want high coverage options up to ₹1 crore

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

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

Health Insurance Plan

Brochure

VS
Young Star Silver
Young Star Silver

Health Insurance Plan

Brochure

Policy Wording

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

Young Star Silver

Single Private Room is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category

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

Young Star Silver

No restriction on ICU room rent

Co-payment

Health Booster SuperTopup Individual Adult 1 Year N

Not verified for this exact variant.

VS

Young Star Silver

Not Available

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

Young Star Silver

No

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

Young Star Silver

13000+ Healthcare Providers

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

Young Star Silver

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

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

Young Star Silver

Your sum insured increases by 20% every year, maximum up to 100%

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

Young Star Silver

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Consumable Cover

Health Booster SuperTopup Individual Adult 1 Year N

Not verified for this exact variant.

VS

Young Star Silver

Yes

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

Young Star Silver

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

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

Young Star Silver

30 days.

Specific Waiting Period

Health Booster SuperTopup Individual Adult 1 Year N

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

VS

Young Star Silver

1 year

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

Young Star Silver

1 year

Modern Treatment

Health Booster SuperTopup Individual Adult 1 Year N

Not verified for this exact variant.

VS

Young Star Silver

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

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

Young Star Silver

Health check-up is available once every policy year, from day 1 of the policy

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

Young Star Silver

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

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

Young Star Silver

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)

Health Booster SuperTopup Individual Adult 1 Year N

Routine OPD coverage is not verified for this exact variant.

VS

Young Star Silver

OPD expense is not included

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

Young Star Silver

Available as an option

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

Young Star Silver

Available coverage options:₹3L, ₹5L, 10L, 15L, 20L, 25L, 50L, 75L and 1 Cr

Claim Settlement Ratio

Health Booster SuperTopup Individual Adult 1 Year N

FY 24-25: ~84%

VS

Young Star Silver

82.31%

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

Young Star Silver

Available

Insurance Plans Comparison

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Insurance Plans Comparison

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Senior Citizen Health Plan

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  • Tailored for seniors healthcare needs

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Family Health Plan

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

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

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