Insurance Plans Comparison
ICICI Lombard Health Shield 360 Retail vs ICICI Lombard Health Booster
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreHealth Shield 360 Retail
Reset up to 100% of the sum insured once for the same illness and unlimited times for a different illness, and add a 20% cumulative bonus each claim-free year, up to 100% of the sum insured.
What Makes It Special:
Health Shield 360 Retail provides cover for eligible in-patient hospitalisation, day-care procedures, specified modern treatments, pre- and post-hospitalisation expenses, and in-patient AYUSH treatment. Its Reset Benefit can replenish cover within defined limits, while the Guaranteed Cumulative Bonus may increase the available cover after claim-free policy years. Wellness services and optional...
Best For:
Buyers interested in wellness services and optional benefits, provided the required cover is selected and recorded in the policy schedule.
People looking for a cumulative bonus that can increase available cover after claim-free years.
Buyers who value a reset benefit for eligible future hospitalisation claims.
Families considering a family-floater option, where eligible family members can be covered under one policy.
Individuals seeking health insurance for eligible hospitalisation and day-care treatment expenses.
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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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
Compare optional benefits and their additional premiums against your needs, because an optional cover applies only when it has been selected and recorded in the policy documents.
Understand the Reset Benefit conditions, including the restriction on using it for the first claim and the rules for repeated claims relating to the same illness or injury.
Confirm the room eligibility, applicable co-payment, deductible and any disease or procedure sublimits in your Policy Schedule.
Review the waiting periods for pre-existing diseases and specified illnesses before relying on the policy for planned treatment.
Check the selected Sum Insured and whether an individual or family-floater policy suits the people you want to insure.
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 Shield 360 Retail Health Insurance Plan VS VS |
![]() Health Booster Health Insurance Plan |
| Room Rent |
|---|
Health Shield 360 Retail Covered up to Annual Sum Insured as per plan opted Covered up to Annual Sum Insured |
VS VS |
Health Booster
|
| Advanced Treatments |
|---|
Health Shield 360 Retail Uterine Artery Embolization (UAE) and HIFU Immunotherapy (Monoclonal Antibody Injection) Green Laser/Holmium Laser Treatment for Prostate Stem Cell Therapy for Hematological Conditions Balloon Sinuplasty Oral Chemotherapy Robotic Surgeries Stereotactic Radio Surgery Deep Brain Stimulation Intra Vitreal Injections Bronchial Thermoplasty Intra Operative Neuro Monitoring (IONM) |
VS VS |
Health Booster
|
| ICU Charges |
|---|
Health Shield 360 Retail Eligible ICU expenses are covered under in-patient treatment, within the applicable Annual Sum Insured and policy conditions. |
VS VS |
Health Booster Information Unavailable |
| Co-payment |
|---|
Health Shield 360 Retail Not mentioned |
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 Shield 360 Retail Any applicable sublimits for specified illnesses, procedures or benefits are governed by the Policy Schedule and selected plan. |
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 Shield 360 Retail Available through network hospitals and healthcare providers |
VS VS |
Health Booster 10,896 cashless healthcare |
| Daycare Treatment |
|---|
Health Shield 360 Retail Covered up to Annual Sum Insured |
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 Shield 360 Retail Guaranteed Cumulative Bonus can increase by 20% of the applicable Annual Sum Insured for each claim-free policy year, up to 100%. |
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 Shield 360 Retail Covered up to Annual Sum Insured |
VS VS |
Health Booster Covered by the policy.. |
| Consumable Cover |
|---|
Health Shield 360 Retail Eligible consumables are covered as part of hospitalisation expenses, except items listed as excluded non-medical expenses. |
VS VS |
Health Booster Not verified as a standard benefit for this policy version. |
| Initial Waiting Period |
|---|
Health Shield 360 Retail A 30-day waiting period applies to illnesses, subject to the policy wording and applicable exceptions. Accidental injuries are treated according to the policy’s terms. |
VS VS |
Health Booster Subject to policy wording and applicable exceptions. Confirm the applicable schedule before publishing a definitive duration. |
| Specific Waiting Period |
|---|
Health Shield 360 Retail Listed diseases and procedures may be subject to specific waiting periods. The applicable period and exclusions should be checked against the policy schedule and wording. |
VS VS |
Health Booster 2 years for specified diseases and procedures, subject to policy terms. |
| PED Waiting Period |
|---|
Health Shield 360 Retail Pre-existing diseases are subject to the applicable waiting period and acceptance terms stated in the policy documents. |
VS VS |
Health Booster 2 years for pre-existing diseases declared and accepted by the insurer. |
| Modern Treatment |
|---|
Health Shield 360 Retail Covers specified modern treatments and procedures, including eligible robotic surgeries, oral chemotherapy and other listed treatments, subject to policy terms. |
VS VS |
Health Booster Covered subject to the sum insured, deductible and policy terms. |
| Annual Health Checkup |
|---|
Health Shield 360 Retail Annual check-up benefits are available under the applicable cover and plan terms. Eligibility and limits depend on the selected option. |
VS VS |
Health Booster Not confirmed for the policy wording referenced here. |
| Pre-Hospitalisation |
|---|
Health Shield 360 Retail Eligible medical expenses incurred before hospitalisation are covered for the period and within the limits specified in the Policy Schedule, subject to the related hospitalisation claim being admissible. |
VS VS |
Health Booster Eligible medical expenses are covered for up to 60 days before hospitalisation, subject to policy terms. |
| Post-Hospitalisation |
|---|
Health Shield 360 Retail Eligible post-hospitalisation medical expenses are covered for the period and limits specified in the Policy Schedule, subject to acceptance of the related hospitalisation claim. |
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 Shield 360 Retail Out-patient consultations and other OPD services may be available under the applicable optional cover, subject to its limits and conditions. |
VS VS |
Health Booster Routine outpatient consultations and treatment are not listed as a standard base-cover benefit. |
| Deductible Option |
|---|
Health Shield 360 Retail A deductible, where applicable to the selected cover, is governed by the Policy Schedule and the terms of that cover. |
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 Shield 360 Retail The policy may be issued on an individual or family-floater basis, as recorded in the Policy Schedule. |
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 Shield 360 Retail FY 24-25: ~84% |
VS VS |
Health Booster FY 24-25: ~84% |
| Maternity Cover |
|---|
Health Shield 360 Retail Maternity-related expenses are covered only where the applicable cover is selected and recorded in the Policy Schedule, subject to its waiting period, limits and conditions. |
VS VS |
Health Booster Not listed as a standard benefit in the referenced policy wording. |
Insurance Plans Comparison
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