How does OneAssure help me compare health insurance policies and choose the best plan?

OneAssure allows you to compare multiple health insurance policies side by side, analyzing coverage, premiums, hospital networks, and benefits to choose the most suitable plan for your needs.

What is the difference between cashless and reimbursement claims in health insurance policies?

Cashless claims let you get treatment at network hospitals without paying upfront, while reimbursement claims require you to pay first and get refunded later.

Does OneAssure provide expert guidance while selecting health insurance with maternity or newborn coverage?

Yes, OneAssure’s insurance experts guide you in selecting plans with maternity benefits, newborn cover, and short waiting periods for family planning needs.

How do co-payment clauses impact health insurance premiums and claim settlements?

Co-payment means you share a part of the claim cost. Opting for co-pay lowers your premium but increases your out-of-pocket expenses.

Which health insurance plan offers the best coverage for critical illnesses and pre-existing diseases?

Plans with comprehensive coverage, minimal waiting periods, and optional critical illness riders are ideal. OneAssure helps identify policies that best meet these requirements.

Can I compare waiting periods and sub-limits for hospitalisation expenses on OneAssure?

Yes, OneAssure’s comparison tool highlights waiting periods, sub-limits, and exclusions so you can choose a policy that maximizes benefits and minimizes restrictions.

What are room rent limits in health insurance, and how do they affect claims?

Room rent limits cap the daily room cost covered by your insurer. Choosing a plan without strict limits ensures higher claim payouts.

Does OneAssure assist with health insurance claims and renewals after I purchase a policy?

Absolutely. OneAssure provides end-to-end support for claims, renewals, and queries, ensuring a hassle-free experience throughout your policy tenure.

How can I check if a health insurance plan covers daycare procedures and modern treatments?

OneAssure’s policy comparison clearly lists daycare and advanced treatment coverage, helping you pick a plan aligned with your healthcare needs.

What documents are needed to buy and claim a health insurance policy online via OneAssure?

To buy a policy, you need ID proof, address proof, and medical details. For claims, hospital bills, prescriptions, and discharge summaries are required.

Oneassure

Health Insurance

Compare Health Insurance Plans

Multiplier Health Vs Health Booster

Insurance Plans Comparison

Royal Sundaram Multiplier Health vs ICICI Lombard Health Booster

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare coverage, benefits, and premiums to find the perfect plan for your needs.

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

Multiplier Health

Add four times the sum insured, including any no-claim bonus, for a life-threatening condition, up to four times in a lifetime, and reload the base sum insured once in a policy year even for the same illness.

What Makes It Special:

Multiplier Health is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.

Best For:

Not available

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

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.

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Quick Decision Guide

Royal Sundaram Multiplier Health

Not available

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

Multiplier Health

Health Insurance Plan

Brochure

Policy Wording

VS

Health Booster

Health Insurance Plan

Brochure

Room Rent
Multiplier Health Covered up to Sum Insured Covered up to Sum Insured	Health Booster Normal: Single private A/C room ICU: No limit, expenses incurred would be covered by the policy.

Advanced Treatments
Multiplier Health Covered up to Sum Insured	Health Booster Uterine Artery Embolization and HIFU (High intensity focused ultrasound) Immunotherapy- Monoclonal Antibody to be given as injection Vaporization of the prostrate (Green laser treatment or holmium laser treatment) Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions Balloon Sinuplasty Oral Chemotherapy and many more

ICU Charges
Multiplier Health Information Unavailable	Health Booster Information Unavailable

Co-payment
Multiplier Health No mandatory co-pay	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
Multiplier Health Information Unavailable	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
Multiplier Health 30 Days 36 Months 24 Months	Health Booster Information Unavailable

Cashless Healthcare Providers
Multiplier Health Cashless Available	Health Booster 10,896 cashless healthcare

Daycare Treatment
Multiplier Health Covered up to Sum Insured	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
Multiplier Health Information Unavailable	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
Multiplier Health Covered up to Sum Insured	Health Booster Covered by the policy..

Consumable Cover
Multiplier Health Information Unavailable	Health Booster Not verified as a standard benefit for this policy version.

Initial Waiting Period
Multiplier Health Information Unavailable	Health Booster Subject to policy wording and applicable exceptions. Confirm the applicable schedule before publishing a definitive duration.

Specific Waiting Period
Multiplier Health Information Unavailable	Health Booster 2 years for specified diseases and procedures, subject to policy terms.

PED Waiting Period
Multiplier Health Information Unavailable	Health Booster 2 years for pre-existing diseases declared and accepted by the insurer.

Modern Treatment
Multiplier Health Information Unavailable	Health Booster Covered subject to the sum insured, deductible and policy terms.

Annual Health Checkup
Multiplier Health Information Unavailable	Health Booster Not confirmed for the policy wording referenced here.

Pre-Hospitalisation
Multiplier Health Information Unavailable	Health Booster Eligible medical expenses are covered for up to 60 days before hospitalisation, subject to policy terms.

Post-Hospitalisation
Multiplier Health Information Unavailable	Health Booster Eligible medical expenses are covered for up to 90 days after hospitalisation, subject to policy terms.

Outpatient Department Cover (OPD Expense)
Multiplier Health Information Unavailable	Health Booster Routine outpatient consultations and treatment are not listed as a standard base-cover benefit.

Deductible Option
Multiplier Health Information Unavailable	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
Multiplier Health Information Unavailable	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
Multiplier Health Information Unavailable	Health Booster FY 24-25: ~84%

Maternity Cover
Multiplier Health Information Unavailable	Health Booster Not listed as a standard benefit in the referenced policy wording.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Multiplier Health

Health Insurance Plan

Brochure

Policy Wording

VS

Health Booster

Health Insurance Plan

Brochure

Room Rent
Multiplier Health Covered up to Sum Insured Covered up to Sum Insured
VS VS
Health Booster Normal: Single private A/C room ICU: No limit, expenses incurred would be covered by the policy.

Advanced Treatments
Multiplier Health Covered up to Sum Insured
VS VS
Health Booster Uterine Artery Embolization and HIFU (High intensity focused ultrasound) Immunotherapy- Monoclonal Antibody to be given as injection Vaporization of the prostrate (Green laser treatment or holmium laser treatment) Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions Balloon Sinuplasty Oral Chemotherapy and many more

ICU Charges
Multiplier Health Information Unavailable
VS VS
Health Booster Information Unavailable

Co-payment
Multiplier Health No mandatory co-pay
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
Multiplier Health 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
Multiplier Health 30 Days 36 Months 24 Months
VS VS
Health Booster Information Unavailable

Cashless Healthcare Providers
Multiplier Health Cashless Available
VS VS
Health Booster 10,896 cashless healthcare

Daycare Treatment
Multiplier Health Covered up to 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
Multiplier Health 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
Multiplier Health Covered up to Sum Insured
VS VS
Health Booster Covered by the policy..

Consumable Cover
Multiplier Health Information Unavailable
VS VS
Health Booster Not verified as a standard benefit for this policy version.

Initial Waiting Period
Multiplier Health 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
Multiplier Health Information Unavailable
VS VS
Health Booster 2 years for specified diseases and procedures, subject to policy terms.

PED Waiting Period
Multiplier Health Information Unavailable
VS VS
Health Booster 2 years for pre-existing diseases declared and accepted by the insurer.

Modern Treatment
Multiplier Health Information Unavailable
VS VS
Health Booster Covered subject to the sum insured, deductible and policy terms.

Annual Health Checkup
Multiplier Health Information Unavailable
VS VS
Health Booster Not confirmed for the policy wording referenced here.

Pre-Hospitalisation
Multiplier Health Information Unavailable
VS VS
Health Booster Eligible medical expenses are covered for up to 60 days before hospitalisation, subject to policy terms.

Post-Hospitalisation
Multiplier Health 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)
Multiplier Health Information Unavailable
VS VS
Health Booster Routine outpatient consultations and treatment are not listed as a standard base-cover benefit.

Deductible Option
Multiplier Health 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
Multiplier Health 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
Multiplier Health Information Unavailable
VS VS
Health Booster FY 24-25: ~84%

Maternity Cover
Multiplier Health Information Unavailable
VS 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.

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Why Choose Our Expert Consultation?

End-to-End Support

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

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

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

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

End-to-End Support

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

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

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

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

Secure against age-related medical costs
Tailored for seniors healthcare needs

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

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

Explore Our Most Popular Plans

ICICI Lombard Elevate

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