Insurance Plans Comparison
ICICI Lombard iHealth vs ICICI Lombard Health Booster
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreiHealth
Reset up to 100% of the sum insured once in a policy year for a later unrelated illness, and cover inpatient hospitalisation, AYUSH treatment, specified day care procedures and a wellness programme.
What Makes It Special:
iHealth is a discontinued ICICI Lombard Complete Health Insurance tier, offered on an individual or floater basis. It covers in-patient hospitalisation, pre- and post-hospitalisation expenses, day-care procedures, and in-patient AYUSH treatment, with a 2-year waiting period for pre-existing diseases and a Reset Benefit for the sum insured.
Best For:
Existing policyholders reviewing their current iHealth cover before renewal, since this plan is no longer sold
Individuals who want coverage for hospitalisation and related pre- and post-hospitalisation costs
Policyholders who value a cumulative bonus that increases cover over claim-free years
Buyers who want a restoration feature to top up the sum insured after a large claim in the same year
Families who want a floater policy for parents, children, and spouse under one sum insured
VS
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
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Quick Decision Guide
Check the sublimits for listed surgeries, such as cataract at ₹20,000 per eye, if you are considering the lower sum insured options.
Maternity cover is not part of the base iHealth tier, so choose a higher tier if you need it and can wait 3 years.
Reset Benefit is limited to once per policy year and cannot be used for the same illness already claimed, so do not count it as unlimited cover.
Note the 2-year waiting period for pre-existing diseases and the listed illnesses, and plan your cover accordingly if you have an existing condition.
Because the plan is discontinued, check whether an ICICI Lombard successor such as Health Shield or Health Shield Plus suits your needs before buying.
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
![]() iHealth Health Insurance Plan VS VS |
![]() Health Booster Health Insurance Plan |
| Room Rent |
|---|
iHealth Including in-patient hospitalization expenses such as room rent and ICU charges. Notably, there are no sub-limits on room rent or ICU charges. |
VS VS |
Health Booster
|
| Advanced Treatments |
|---|
iHealth ICICI iHealth covers advanced medical treatments, ensuring access to modern healthcare. It includes robotic surgeries, stem cell therapy (for approved conditions), targeted cancer therapies, and other cutting-edge procedures. |
VS VS |
Health Booster
|
| ICU Charges |
|---|
iHealth Covered under the in-patient hospitalisation cover up to the sum insured, for a hospitalisation of at least 24 consecutive hours. Kindly consult the policy wording for any cap. |
VS VS |
Health Booster Information Unavailable |
| Co-payment |
|---|
iHealth Does not have a mandatory co-payment for most policyholders. However, for senior citizens or specific policy variants, a co-payment clause may apply, requiring the insured to bear a percentage of the claim amount. |
VS 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 |
|---|
iHealth Sublimits apply to listed surgeries in the lower sum insured tiers. For example, cataract is limited to ₹20,000 per eye. Kindly consult the policy wording for the full schedule. |
VS 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 |
|---|
iHealth 10,896+ hospitals across india |
VS VS |
Health Booster 10,896 cashless healthcare |
| Restoration Benefit |
|---|
iHealth Reset Benefit: resets up to 100% of the sum insured once per policy year. Reset is not triggered by the first claim. The reset amount can be used only for future claims in the same policy year that are unrelated to an illness already claimed. Unused reset is not carried forward. |
VS VS |
Health Booster Information Unavailable |
| Daycare Treatment |
|---|
iHealth Covered under the policy. |
VS 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 |
|---|
iHealth Additional Sum Insured of 10% of the annual sum insured for each claim-free year, up to a maximum of 50%. A claim reduces the accumulated amount by 10% of the annual sum insured in the following year. |
VS 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 |
|---|
iHealth Covered under this policy |
VS VS |
Health Booster Covered by the policy.. |
| Consumable Cover |
|---|
iHealth Kindly refer to the policy wording. |
VS VS |
Health Booster Not verified as a standard benefit for this policy version. |
| Initial Waiting Period |
|---|
iHealth 30 days from inception. Accident-related hospitalisation is exempt. |
VS VS |
Health Booster Subject to policy wording and applicable exceptions. Confirm the applicable schedule before publishing a definitive duration. |
| Specific Waiting Period |
|---|
iHealth 2 years for listed illnesses and procedures. Maternity has a 3-year waiting period where opted. |
VS VS |
Health Booster 2 years for specified diseases and procedures, subject to policy terms. |
| PED Waiting Period |
|---|
iHealth 2 years for declared and accepted pre-existing diseases |
VS VS |
Health Booster 2 years for pre-existing diseases declared and accepted by the insurer. |
| Modern Treatment |
|---|
iHealth Kindly refer to the policy wording |
VS VS |
Health Booster Covered subject to the sum insured, deductible and policy terms. |
| Annual Health Checkup |
|---|
iHealth Free health check-up at designated centres. Floater policies receive a maximum of 2 coupons per year. |
VS VS |
Health Booster Not confirmed for the policy wording referenced here. |
| Pre-Hospitalisation |
|---|
iHealth Up to 30 days before hospitalisation, up to the sum insured |
VS VS |
Health Booster Eligible medical expenses are covered for up to 60 days before hospitalisation, subject to policy terms. |
| Post-Hospitalisation |
|---|
iHealth Up to 60 days after discharge, up to the sum insured |
VS VS |
Health Booster Eligible medical expenses are covered for up to 90 days after hospitalisation, subject to policy terms. |
| Outpatient Department Cover (OPD Expense) |
|---|
iHealth Outpatient Treatment Cover is available as a benefit in the plan tiers that include it. Reimbursement is subject to a limit of ₹5,000 on a floater basis. Kindly consult the plan details for eligibility. |
VS VS |
Health Booster Routine outpatient consultations and treatment are not listed as a standard base-cover benefit. |
| Deductible Option |
|---|
iHealth Kindly consult the policy wording |
VS 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 |
|---|
iHealth Individual and floater cover. The base iHealth tier is available at ₹3, ₹4, and ₹5 lakh sum insured. |
VS 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 |
|---|
iHealth FY 24-25: ~84% |
VS VS |
Health Booster FY 24-25: ~84% |
| Maternity Cover |
|---|
iHealth Not included in the base iHealth tier. Maternity cover with a 3-year waiting period is available in higher plan tiers only when opted for. It covers delivery and caesarean section (₹15,000 normal, ₹25,000 caesarean), pre- and post-natal expenses (₹2,000 each), and newborn cover (₹10,000), limited to two deliveries during the policy period. |
VS VS |
Health Booster Not listed as a standard benefit in the referenced policy wording. |
Insurance Plans Comparison
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