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Insurance Plans Comparison

Star Optima Insurance 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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Star

Optima Insurance

Cover a newborn from day 16 up to 10% of the sum insured or ₹50,000, whichever is less, add 25% extra cover up to ₹5 lakh after a road accident, and get up to 20% off renewal for wellness points.

What Makes It Special:

Optima Insurance is a family floater health insurance plan focused on hospitalization protection, restoration, recharge and wellness-linked benefits. The source content also lists newborn baby coverage, loyalty bonus accumulation, AYUSH treatment, organ donor expenses, domiciliary treatment and tele-consultation support.

Best For:

  • Families looking for family floater coverage

  • Customers wanting restoration and recharge benefits

  • Families planning long-term coverage

  • Customers interested in wellness-linked benefits

  • Families wanting newborn hospitalization coverage

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

Star Optima Insurance

  • Review the 36-month PED waiting period

  • Check the 20% co-payment for entry age 61 years and above

  • Understand how restoration can be used

  • Review newborn baby eligibility and waiting conditions

  • Check limits applicable to modern treatments

ICICI Lombard Health Booster

  • 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

Optima Insurance
Optima Insurance

Health Insurance Plan

Brochure

Policy Wording

VS
Health Booster
Health Booster

Health Insurance Plan

Brochure

Room Rent

Optima Insurance

Covered; specific room category conditions apply

VS

Health Booster

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

Optima Insurance

Covered up to Sum Insured

VS

Health Booster

Information Unavailable

Advanced Treatments

Optima Insurance

Information Unavailable

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
Co-payment

Optima Insurance

20% mandatory for entry age 61 years and above; voluntary options may be available

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

Optima Insurance

Modern treatments have specified sub-limits

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

Optima Insurance

Available at network hospitals

VS

Health Booster

10,896 cashless healthcare

Restoration Benefit

Optima Insurance

Automatic restoration up to three times in a policy year

VS

Health Booster

Information Unavailable

Daycare Treatment

Optima Insurance

Covered

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

Optima Insurance

Loyalty bonus accumulation up to 100% of Sum Insured

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

Optima Insurance

Covered up to Sum Insured

VS

Health Booster

Covered by the policy..

Consumable Cover

Optima Insurance

Not specified in the retrieved source

VS

Health Booster

Not verified as a standard benefit for this policy version.

Initial Waiting Period

Optima Insurance

30 days

VS

Health Booster

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

Specific Waiting Period

Optima Insurance

24 months

VS

Health Booster

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

PED Waiting Period

Optima Insurance

36 months

VS

Health Booster

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

Modern Treatment

Optima Insurance

Covered with specified sub-limits

VS

Health Booster

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

Annual Health Checkup

Optima Insurance

Available

VS

Health Booster

Not confirmed for the policy wording referenced here.

Pre-Hospitalisation

Optima Insurance

Covered, subject to policy terms

VS

Health Booster

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

Post-Hospitalisation

Optima Insurance

Covered, subject to policy terms

VS

Health Booster

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

Outpatient Department Cover (OPD Expense)

Optima Insurance

Not specified in the retrieved source

VS

Health Booster

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

Deductible Option

Optima Insurance

Not specified in the retrieved source

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

Optima Insurance

Family Floater

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

Optima Insurance

Not specified in the retrieved source

VS

Health Booster

FY 24-25: ~84%

Maternity Cover

Optima Insurance

Not specified in the retrieved source

VS

Health Booster

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

Insurance Plans Comparison

Still Confused? Get Expert Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Why Choose Our Expert Consultation?

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From choosing the right policy to managing claims, every step is handled for you

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Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

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

24/7 Claim Assistance

24/7 Claim Assistance

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

Smart, Tech-Enabled Experience

  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

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)

Having questions? We've got answers. Explore our FAQs to find the information you need.

1-5 of 10 FAQs

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