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Insurance Plans Comparison

ICICI Lombard Health Shield 360 Retail vs ICICI Lombard Health Booster

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

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ICICI Lombard

Health 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
ICICI Lombard

Health Booster

Buy a super top-up that pays hospital bills above a deductible of ₹3 lakh, ₹4 lakh or ₹5 lakh, with a sum insured from ₹5 lakh to ₹50 lakh, inpatient AYUSH cover and a once-a-year reset for an unrelated illness.

What Makes It Special:

Health Booster is a deductible-based health insurance product designed to provide additional financial protection when eligible hospitalisation expenses exceed the selected deductible. Its value depends on the relationship between the deductible, the available sum insured and the coverage provided by the policyholder's primary health insurance. Waiting periods, eligible expenses, exclusions...

Best For:

  • People who are comfortable checking waiting periods, exclusions and deductible conditions before purchasing additional cover.

  • Buyers comparing a top-up plan with a super top-up plan who want to understand how the deductible is applied to claims.

  • Families looking to increase their overall potential health insurance protection without relying entirely on a single base policy.

  • Buyers who can manage expenses up to the deductible and want cover for eligible expenses above that amount.

  • People who already have health insurance and want additional protection against large medical bills.

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.

  • Before buying, compare the premium, deductible, sum insured and claim conditions with the cost of increasing your existing base policy.

  • If you expect to claim for a specific treatment, verify that the treatment is covered and that its waiting period and exclusions are satisfied.

  • If you have a pre-existing disease, check that it has been disclosed and accepted and understand the applicable waiting period before relying on the cover.

  • If you may have several hospitalisation claims in one year, confirm whether the deductible applies per claim or on an aggregate basis under your specific policy version.

  • If you already have a base health policy, compare its sum insured with the Health Booster deductible to identify any potential coverage gap.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Shield 360 Retail
Health Shield 360 Retail

Health Insurance Plan

VS
Health Booster
Health Booster

Health Insurance Plan

Brochure

Room Rent

Health Shield 360 Retail

Covered up to Annual Sum Insured as per plan opted

Covered up to Annual Sum Insured

VS

Health Booster

  1. Normal: Single private A/C room
  2. ICU: No limit, expenses incurred would be covered by the policy.
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

Health Booster

  1. Uterine Artery Embolization and HIFU (High intensity focused ultrasound) 
  2. Immunotherapy- Monoclonal Antibody to be given as injection 
  3.  Vaporization of the prostrate (Green laser treatment or holmium laser treatment) 
  4. Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions
  5.  Balloon Sinuplasty 
  6. Oral Chemotherapy and many more
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

Health Booster

Information Unavailable

Co-payment

Health Shield 360 Retail

Not mentioned

VS

Health Booster

This does not apply if the insured is 60 years of age or below. However, this condition will not be applicable if you were aged 45 years or below at the time of buying this policy for the first time and have renewed it continuously after that.

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

Health Booster

No comprehensive disease-wise sublimit list has been confirmed for the referenced policy wording. Check the policy schedule and applicable benefit conditions.

Cashless Healthcare Providers

Health Shield 360 Retail

Available through network hospitals and healthcare providers

VS

Health Booster

10,896 cashless healthcare

Daycare Treatment

Health Shield 360 Retail

Covered up to Annual Sum Insured

VS

Health Booster

150 medical expenses incurred by you while undergoing Specified Day Care Treatment, which require less than 24 hours hospitalization are covered by the policy.

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

Health Booster

Additional Sum Insured increases by 10% of the base sum insured for each claim-free policy year, up to 50%. A claim in a subsequent policy period reduces the accrued amount by 10% of the sum insured at renewal.

AYUSH Treatment

Health Shield 360 Retail

Covered up to Annual Sum Insured

VS

Health Booster

Covered by the policy..

Consumable Cover

Health Shield 360 Retail

Eligible consumables are covered as part of hospitalisation expenses, except items listed as excluded non-medical expenses.

VS

Health Booster

Not verified as a standard benefit for this policy version.

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

Health Booster

Subject to policy wording and applicable exceptions. Confirm the applicable schedule before publishing a definitive duration.

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

Health Booster

2 years for specified diseases and procedures, subject to policy terms.

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

Health Booster

2 years for pre-existing diseases declared and accepted by the insurer.

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

Health Booster

Covered subject to the sum insured, deductible and policy terms.

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

Health Booster

Not confirmed for the policy wording referenced here.

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

Health Booster

Eligible medical 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

Health Booster

Eligible medical 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

Health Booster

Routine outpatient consultations and treatment are not listed as a standard base-cover benefit.

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

Health Booster

A deductible applies before eligible hospitalisation claims become payable. The selected amount and its application are specified in the policy schedule. Under the Super Top-up structure, the deductible applies to aggregate hospitalisation expenses during the policy year.

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

Health Booster

Available as a Super Top-up health insurance plan, with the selected sum insured, deductible and individual or floater configuration specified in the policy schedule.

Claim Settlement Ratio

Health Shield 360 Retail

FY 24-25: ~84%

VS

Health Booster

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

Health Booster

Not listed as a standard benefit in the referenced policy wording.

Insurance Plans Comparison

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Why Choose Our Expert Consultation?

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Talk to experienced advisors at no cost, and make confident decisions

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Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

Expert-Led Policy Review

  • 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

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Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

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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