Insurance Plans Comparison
ICICI Lombard Health Elite Plus vs ICICI Lombard Health Booster
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreHealth Elite Plus
Get a single private room and reset up to 100% of the sum insured once for the same illness and unlimited times for a different illness, with a 20% loyalty bonus up to 100% that stays after a claim.
What Makes It Special:
ICICI Lombard Health Elite Plus offers an unlimited reset benefit that can replenish up to 100% of the base sum insured when the available cover becomes insufficient after previous claims. It can be used unlimited times for different illnesses and once for the same illness, subject to policy conditions. The plan...
Best For:
Buyers who want the option to add specific benefits, such as worldwide hospitalisation cover or outpatient services, subject to eligibility and additional premium.
Customers seeking benefits such as donor expenses, domiciliary hospitalisation and air ambulance cover.
People who value a guaranteed cumulative bonus that can increase their available cover over time.
Buyers who want a reset benefit for eligible subsequent hospitalisation claims.
Individuals or families looking for a health insurance plan with multiple sum insured options.
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
If you need worldwide cover or other add-ons, confirm their availability, waiting periods, limits and additional premium before purchasing.
If you opt for voluntary co-payment or treatment outside your selected pricing zone, account for the applicable out-of-pocket share.
If you expect to use outpatient services, confirm whether the optional BeFit cover is selected and what its specific limits include.
If you have a pre-existing condition, check the 24-month waiting period and disclose your medical history accurately.
Choose a sum insured that fits your expected medical costs and check how room eligibility changes at the ₹20 lakh threshold.
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 Elite Plus Health Insurance Plan VS VS |
![]() Health Booster Health Insurance Plan |
| Room Rent |
|---|
Health Elite Plus
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VS VS |
Health Booster
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| Advanced Treatments |
|---|
Health Elite Plus
|
VS VS |
Health Booster
|
| ICU Charges |
|---|
Health Elite Plus Not verified for the exact current variant configuration. |
VS VS |
Health Booster Information Unavailable |
| Co-payment |
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Health Elite Plus Insured can choose 10% or 20% co-payment, allowing cost-sharing for lower premium expenses. |
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 Elite Plus Cataract treatment is limited to 10% of the sum insured, up to ₹1 lakh per eye, after the applicable two-year period. Other applicable limits and exclusions must be checked in the policy wording. |
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 |
|---|
Health Elite Plus 10,000+ Cashless Healthcare Providers |
VS VS |
Health Booster 10,896 cashless healthcare |
| Restoration Benefit |
|---|
Health Elite Plus Reset of up to 100% of the base sum insured, unlimited times for different illnesses and once for the same illness. It does not trigger on the first claim and is subject to the policy conditions. |
VS VS |
Health Booster Information Unavailable |
| Daycare Treatment |
|---|
Health Elite Plus Covers procedures requiring less than 24-hour hospitalization, like cataract surgery and chemotherapy. |
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 |
|---|
Health Elite Plus Loyalty bonus is described in the available policy information; current applicable rate and maximum require verification. |
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 |
|---|
Health Elite Plus Coverage for Ayurveda, Yoga, Unani, Siddha, and Homeopathy at government-recognized institutions. |
VS VS |
Health Booster Covered by the policy.. |
| Consumable Cover |
|---|
Health Elite Plus Not verified as a standard benefit for the exact current variant. |
VS VS |
Health Booster Not verified as a standard benefit for this policy version. |
| Initial Waiting Period |
|---|
Health Elite Plus 30 days for illnesses from the start of the policy; accidents are excluded from this waiting-period restriction. |
VS VS |
Health Booster Subject to policy wording and applicable exceptions. Confirm the applicable schedule before publishing a definitive duration. |
| Specific Waiting Period |
|---|
Health Elite Plus 24 months for specified diseases and procedures listed in the policy. |
VS VS |
Health Booster 2 years for specified diseases and procedures, subject to policy terms. |
| PED Waiting Period |
|---|
Health Elite Plus 24 months for declared and accepted pre-existing diseases, subject to policy terms and applicable portability rules. |
VS VS |
Health Booster 2 years for pre-existing diseases declared and accepted by the insurer. |
| Modern Treatment |
|---|
Health Elite Plus Covered up to the annual sum insured, subject to policy terms and exclusions. |
VS VS |
Health Booster Covered subject to the sum insured, deductible and policy terms. |
| Annual Health Checkup |
|---|
Health Elite Plus Preventive health check-up available at designated centres, subject to policy conditions. |
VS VS |
Health Booster Not confirmed for the policy wording referenced here. |
| Pre-Hospitalisation |
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Health Elite Plus 60 days |
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 Elite Plus 180 days. |
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 Elite Plus Not included as a general unlimited standard benefit. Optional BeFit provides specified outpatient consultations and related benefits on a cashless basis, according to the selected plan. |
VS VS |
Health Booster Routine outpatient consultations and treatment are not listed as a standard base-cover benefit. |
| Deductible Option |
|---|
Health Elite Plus No deductible option. |
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 Elite Plus Individual and family floater options, with sum insured options from ₹5 lakh to ₹3 crore. |
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 Elite Plus Information Unavailable |
VS VS |
Health Booster FY 24-25: ~84% |
| Maternity Cover |
|---|
Health Elite Plus Childbirth-related medical expenses are excluded, except ectopic pregnancy, as stated in the exclusions. |
VS VS |
Health Booster Not listed as a standard benefit in the referenced policy wording. |
Insurance Plans Comparison
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