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Insurance Plans Comparison

ICICI Lombard Activate Booster Plan B vs ICICI Lombard Complete Health Insurance Health Shield

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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ICICI Lombard

Activate Booster Plan B

Flexible super top-up health insurance with high Sum Insured options, extended optional benefits and multiple deductible choices.

What Makes It Special:

Plan B combines high Sum Insured options with broader optional benefits such as health check-up, nursing at home and dependent accommodation, subject to additional premium and applicable conditions.

Best For:

  • Financial safety for large medical bills

  • Advanced treatment and wellness add-ons

  • High-sum insured super top-up policy

  • Maximum flexibility and big coverage

VS
ICICI Lombard

Complete Health Insurance Health Shield

Add 10% to the sum insured after every claim-free year, up to 50%, and cover organ-donor expenses up to ₹10 lakh, with domiciliary hospitalisation and air ambulance paid over and above the sum insured.

What Makes It Special:

Health Shield is a variant listed under ICICI Lombard Complete Health Insurance. Its benefits include inpatient hospitalisation, eligible daycare procedures, inpatient AYUSH treatment, pre- and post-hospitalisation expenses, and a reset benefit that can replenish eligible cover after previous claims. The policy also lists a cumulative bonus and wellness services. Coverage...

Best For:

  • Customers who may use the policy's wellness services and preventive health-check-up facilities.

  • Buyers who want eligible daycare and inpatient AYUSH treatment covered.

  • Customers who value a cumulative bonus for claim-free years.

  • Individuals or families comparing different base sum insured options.

  • Buyers looking for hospitalisation cover with a reset benefit for subsequent eligible claims.

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

ICICI Lombard Activate Booster Plan B

  • You seek quick claim settlement and annual health check-ups

  • You want coverage for dependents accommodation during hospitalization

  • You prefer easy conversion to base plan, no deductible

  • You want flexibility to top-up your policy

  • You need health coverage up to ₹3 crore

ICICI Lombard Complete Health Insurance Health Shield

  • Verify that the Health Shield variant is still available and that the quoted UIN matches the policy document before purchase.

  • Compare the cataract sub-limit with your expected needs, especially if selecting a lower sum insured.

  • Check the 24-month PED and specified-disease waiting periods against your medical history.

  • Review the reset rules carefully, including the restrictions on using reset cover for the same illness.

  • Confirm the available sum insured and room-rent limit in the policy schedule before choosing the plan.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Activate Booster Plan B
Activate Booster Plan B

Health Insurance Plan

Brochure

VS
Complete Health Insurance Health Shield
Complete Health Insurance Health Shield

Health Insurance Plan

Brochure

Room Rent

Activate Booster Plan B

Single Private Room is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category

VS

Complete Health Insurance Health Shield

Normal: Health Shield offers room rent and ICU coverage without sub-limits, ensuring full financial support for hospitalization, including intensive care expenses.

ICU Charges

Activate Booster Plan B

No restriction on ICU room rent

VS

Complete Health Insurance Health Shield

Covered under eligible inpatient hospitalisation, subject to policy terms.

Advanced Treatments

Activate Booster Plan B

Information Unavailable

VS

Complete Health Insurance Health Shield

Covers advanced treatments, including robotic surgeries, stem cell therapy, immunotherapy, and modern cancer treatments

Co-payment

Activate Booster Plan B

Not available

VS

Complete Health Insurance Health Shield

10% of copay will be applied to every admissible claim.

Disease-wise sublimits

Activate Booster Plan B

No

VS

Complete Health Insurance Health Shield

Cataract: ₹20,000 per eye per policy year for sum insured up to ₹5 lakh; ₹1 lakh per eye per policy year for sum insured above ₹5 lakh.

Restoration Benefit

Activate Booster Plan B

Not available

VS

Complete Health Insurance Health Shield

Unlimited Reset Benefit is listed; reset does not trigger on the first claim and remains subject to illness, insured-person and other policy conditions.

Cashless Healthcare Providers

Activate Booster Plan B

10,300+ Healthcare Providers


VS

Complete Health Insurance Health Shield

10,896+ hospitals across India.

Cumulative Bonus

Activate Booster Plan B

Available as an option

VS

Complete Health Insurance Health Shield

10% of annual sum insured per claim-free year, up to 50%; accumulated bonus reduces by 10% of annual sum insured following a claim, as specified in the policy.

Daycare Treatment

Activate Booster Plan B

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

VS

Complete Health Insurance Health Shield

Covered under the policy. 

Consumable Cover

Activate Booster Plan B

Yes

VS

Complete Health Insurance Health Shield



AYUSH Treatment

Activate Booster Plan B

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

VS

Complete Health Insurance Health Shield

Covered under this policy

Initial Waiting Period

Activate Booster Plan B

30 days

VS

Complete Health Insurance Health Shield

30 days for illnesses; injury-related hospitalisation is excepted.

Specific Waiting Period

Activate Booster Plan B

2 years

VS

Complete Health Insurance Health Shield

24 months for specified illnesses and treatments.

PED Waiting Period

Activate Booster Plan B

3 years

VS

Complete Health Insurance Health Shield

24 months for declared and accepted pre-existing diseases.

Modern Treatment

Activate Booster Plan B

Hospital expenses for listed advanced treatments are covered up to your annual sum insured during the policy period

VS

Complete Health Insurance Health Shield

Not verified as a separately defined benefit in the reviewed Health Shield document.

Annual Health Checkup

Activate Booster Plan B

Health checkup is not included as part of base cover. However, you can opt for the Annual Health Checkup Add-on to avail health checkup once per Policy Year

VS

Complete Health Insurance Health Shield

Health-check-up coupon each policy year, up to 2 coupons per year for floater policies.

Pre-Hospitalisation

Activate Booster Plan B

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

VS

Complete Health Insurance Health Shield

Up to 30 days.

Post-Hospitalisation

Activate Booster Plan B

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

VS

Complete Health Insurance Health Shield

Up to 60 days.

Outpatient Department Cover (OPD Expense)

Activate Booster Plan B

OPD expense is not included as part of base cover. However, you can opt for an add-on to avail this coverage

VS

Complete Health Insurance Health Shield

Wellness points may be redeemable for eligible outpatient expenses; a fixed comprehensive OPD limit was not verified.

Deductible Option

Activate Booster Plan B

Available

VS

Complete Health Insurance Health Shield

Not verified in the reviewed Health Shield document.

Coverage Options

Activate Booster Plan B

Available coverage options: ₹10L, 15L, 20L, 25L, 45L, 50L, 85L, 90L, 95L, 1Cr, 3Cr

VS

Complete Health Insurance Health Shield

Individual or family floater; listed sum insured options from ₹3 lakh to ₹50 lakh.

Claim Settlement Ratio

Activate Booster Plan B

97.16%

VS

Complete Health Insurance Health Shield

FY 2024-25: 83.65%

Maternity Cover

Activate Booster Plan B

Not available

VS

Complete Health Insurance Health Shield

Excluded under the reviewed policy wording, except for stated policy exceptions such as ectopic pregnancy.

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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Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

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

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  • 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.

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