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Insurance Plans Comparison

ICICI Lombard Complete Health Insurance Health Shield 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

Complete Health Insurance Health Shield

Add 10% to the sum insured after every claim-free year, up to 50%, and cover organ-donor expenses up to ₹10 lakh, with domiciliary hospitalisation and air ambulance paid over and above the sum insured.

What Makes It Special:

Health Shield is a variant listed under ICICI Lombard Complete Health Insurance. Its benefits include inpatient hospitalisation, eligible daycare procedures, inpatient AYUSH treatment, pre- and post-hospitalisation expenses, and a reset benefit that can replenish eligible cover after previous claims. The policy also lists a cumulative bonus and wellness services. Coverage...

Best For:

  • Customers who may use the policy's wellness services and preventive health-check-up facilities.

  • Buyers who want eligible daycare and inpatient AYUSH treatment covered.

  • Customers who value a cumulative bonus for claim-free years.

  • Individuals or families comparing different base sum insured options.

  • Buyers looking for hospitalisation cover with a reset benefit for subsequent eligible claims.

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

  • Verify that the Health Shield variant is still available and that the quoted UIN matches the policy document before purchase.

  • Compare the cataract sub-limit with your expected needs, especially if selecting a lower sum insured.

  • Check the 24-month PED and specified-disease waiting periods against your medical history.

  • Review the reset rules carefully, including the restrictions on using reset cover for the same illness.

  • Confirm the available sum insured and room-rent limit in the policy schedule before choosing the plan.

  • 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

Complete Health Insurance Health Shield
Complete Health Insurance Health Shield

Health Insurance Plan

Brochure

VS
Health Booster
Health Booster

Health Insurance Plan

Brochure

Room Rent

Complete Health Insurance Health Shield

Normal: Health Shield offers room rent and ICU coverage without sub-limits, ensuring full financial support for hospitalization, including intensive care expenses.

VS

Health Booster

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

Complete Health Insurance Health Shield

Covers advanced treatments, including robotic surgeries, stem cell therapy, immunotherapy, and modern cancer treatments

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

Complete Health Insurance Health Shield

Covered under eligible inpatient hospitalisation, subject to policy terms.

VS

Health Booster

Information Unavailable

Co-payment

Complete Health Insurance Health Shield

10% of copay will be applied to every admissible claim.

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

Complete Health Insurance Health Shield

Cataract: ₹20,000 per eye per policy year for sum insured up to ₹5 lakh; ₹1 lakh per eye per policy year for sum insured above ₹5 lakh.

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

Complete Health Insurance Health Shield

10,896+ hospitals across India.

VS

Health Booster

10,896 cashless healthcare

Restoration Benefit

Complete Health Insurance Health Shield

Unlimited Reset Benefit is listed; reset does not trigger on the first claim and remains subject to illness, insured-person and other policy conditions.

VS

Health Booster

Information Unavailable

Daycare Treatment

Complete Health Insurance Health Shield

Covered under the policy. 

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

Complete Health Insurance Health Shield

10% of annual sum insured per claim-free year, up to 50%; accumulated bonus reduces by 10% of annual sum insured following a claim, as specified in the policy.

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

Complete Health Insurance Health Shield

Covered under this policy

VS

Health Booster

Covered by the policy..

Consumable Cover

Complete Health Insurance Health Shield



VS

Health Booster

Not verified as a standard benefit for this policy version.

Initial Waiting Period

Complete Health Insurance Health Shield

30 days for illnesses; injury-related hospitalisation is excepted.

VS

Health Booster

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

Specific Waiting Period

Complete Health Insurance Health Shield

24 months for specified illnesses and treatments.

VS

Health Booster

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

PED Waiting Period

Complete Health Insurance Health Shield

24 months for declared and accepted pre-existing diseases.

VS

Health Booster

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

Modern Treatment

Complete Health Insurance Health Shield

Not verified as a separately defined benefit in the reviewed Health Shield document.

VS

Health Booster

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

Annual Health Checkup

Complete Health Insurance Health Shield

Health-check-up coupon each policy year, up to 2 coupons per year for floater policies.

VS

Health Booster

Not confirmed for the policy wording referenced here.

Pre-Hospitalisation

Complete Health Insurance Health Shield

Up to 30 days.

VS

Health Booster

Eligible medical expenses are covered for up to 60 days before hospitalisation, subject to policy terms.

Post-Hospitalisation

Complete Health Insurance Health Shield

Up to 60 days.

VS

Health Booster

Eligible medical expenses are covered for up to 90 days after hospitalisation, subject to policy terms.

Outpatient Department Cover (OPD Expense)

Complete Health Insurance Health Shield

Wellness points may be redeemable for eligible outpatient expenses; a fixed comprehensive OPD limit was not verified.

VS

Health Booster

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

Deductible Option

Complete Health Insurance Health Shield

Not verified in the reviewed Health Shield document.

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

Complete Health Insurance Health Shield

Individual or family floater; listed sum insured options from ₹3 lakh to ₹50 lakh.

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

Complete Health Insurance Health Shield

FY 2024-25: 83.65%

VS

Health Booster

FY 24-25: ~84%

Maternity Cover

Complete Health Insurance Health Shield

Excluded under the reviewed policy wording, except for stated policy exceptions such as ectopic pregnancy.

VS

Health Booster

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

Insurance Plans Comparison

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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

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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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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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