Insurance Plans Comparison
Niva Bupa Health Pulse Classic vs ICICI Lombard Health Booster
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreHealth Pulse Classic
Refill up to 100% of the sum insured once for a different illness, add a 10% no-claim bonus each claim-free year up to 100%, and pay a 20% co-pay for treatment in Delhi NCR, Mumbai, Kolkata and Gujarat.
What Makes It Special:
A value-focused health plan with Loyalty Additions, a Re-fill benefit and optional add-ons, with a 20% co-payment applying only in specified cities.
Best For:
Customers comfortable with room rent limits on lower Sum Insured options.
Adults aged 18 to 65 years buying a new policy, subject to eligibility.
People who want the option to add Personal Accident or Critical Illness cover.
Buyers who want their cover to grow through annual Loyalty Additions.
First-time buyers looking for straightforward hospitalisation coverage.
Families outside Delhi NCR, Mumbai, Kolkata and Gujarat who want to avoid the plan's city-specific co-payment.
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
The available Sum Insured options for Classic above ₹10 Lakh need confirmation because the prospectus and sales sheet differ.
There is no deductible option.
Maternity and general OPD treatment are not covered.
Pre-existing diseases have a 36-month waiting period.
Listed specified conditions have a 24-month waiting period.
Pre-hospitalisation cover is limited to 30 days and post-hospitalisation cover to 60 days.
For ₹3 Lakh and ₹4 Lakh cover, room rent is limited to 1% of the Base Sum Insured per day and ICU charges to 2% per day.
A 20% co-payment applies to treatment in Delhi NCR, Mumbai including Navi Mumbai and Thane, Kolkata and Gujarat.
Optional Personal Accident, Critical Illness, Hospital Cash and unlimited e-Consultation benefits are available at additional premiums.
Mental illness, HIV/AIDS, domiciliary treatment and modern treatments are covered, with specified sublimits and waiting periods.
A single private room is covered for Sum Insured of ₹5 Lakh and above.
Re-fill of up to 100% of the Base Sum Insured is available for a different illness or injury. Optional Enhanced Re-fill increases it to 150%.
Loyalty Additions add 10% of the Base Sum Insured every policy year, up to 100%.
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 Pulse Classic Health Insurance Plan VS VS |
![]() Health Booster Health Insurance Plan |
| Room Rent |
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Health Pulse Classic
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VS VS |
Health Booster
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| Advanced Treatments |
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Health Pulse Classic Including robotic surgeries, stem cell therapy (for specific conditions), and modern procedures like laser treatments and bariatric surgery. |
VS VS |
Health Booster
|
| ICU Charges |
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Health Pulse Classic Information Unavailable |
VS VS |
Health Booster Information Unavailable |
| Co-payment |
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Health Pulse Classic A 20% co-payment applies for treatments in Zone 2. Additionally, policyholders can opt for a 10% or 20% co-payment, which does not reduce the sum insured. |
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 |
|---|
Health Pulse Classic Information Unavailable |
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. |
| Waiting Period |
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Health Pulse Classic
|
VS VS |
Health Booster Information Unavailable |
| Cashless Healthcare Providers |
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Health Pulse Classic 10675+ network hospitals in India. |
VS VS |
Health Booster 10,896 cashless healthcare |
| Daycare Treatment |
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Health Pulse Classic Covered by 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 |
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Health Pulse Classic Information Unavailable |
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 |
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Health Pulse Classic Covered by the policy. |
VS VS |
Health Booster Covered by the policy.. |
| Consumable Cover |
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Health Pulse Classic Information Unavailable |
VS VS |
Health Booster Not verified as a standard benefit for this policy version. |
| Initial Waiting Period |
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Health Pulse Classic Information Unavailable |
VS VS |
Health Booster Subject to policy wording and applicable exceptions. Confirm the applicable schedule before publishing a definitive duration. |
| Specific Waiting Period |
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Health Pulse Classic Information Unavailable |
VS VS |
Health Booster 2 years for specified diseases and procedures, subject to policy terms. |
| PED Waiting Period |
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Health Pulse Classic Information Unavailable |
VS VS |
Health Booster 2 years for pre-existing diseases declared and accepted by the insurer. |
| Modern Treatment |
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Health Pulse Classic Information Unavailable |
VS VS |
Health Booster Covered subject to the sum insured, deductible and policy terms. |
| Annual Health Checkup |
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Health Pulse Classic Information Unavailable |
VS VS |
Health Booster Not confirmed for the policy wording referenced here. |
| Pre-Hospitalisation |
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Health Pulse Classic Information Unavailable |
VS VS |
Health Booster Eligible medical expenses are covered for up to 60 days before hospitalisation, subject to policy terms. |
| Post-Hospitalisation |
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Health Pulse Classic Information Unavailable |
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) |
|---|
Health Pulse Classic Information Unavailable |
VS VS |
Health Booster Routine outpatient consultations and treatment are not listed as a standard base-cover benefit. |
| Deductible Option |
|---|
Health Pulse Classic Information Unavailable |
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 |
|---|
Health Pulse Classic Information Unavailable |
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 |
|---|
Health Pulse Classic Information Unavailable |
VS VS |
Health Booster FY 24-25: ~84% |
| Maternity Cover |
|---|
Health Pulse Classic Information Unavailable |
VS VS |
Health Booster Not listed as a standard benefit in the referenced policy wording. |
Insurance Plans Comparison
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