ICICI Lombard Health Booster Plan

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      ICICI Lombard Health Booster Plan

      ICICI Lombard Health Booster is a top up/ super top up insurance plan that ensures an extra layer of medical coverage in case the base policy gets exhausted. It comes with an in-built deductible that needs to be paid to activate the policy. Moreover, this health insurance policy provides restoration of sum insured, complimentary annual health check-ups and wellness programs, besides a range of essential coverage benefits.

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      ICICI Lombard Health Booster Plan: Key Highlights

      Categories Specifications
      Sum Insured ₹2 lakh to ₹50 lakh
      Deductible Top Up - ₹50,000 to ₹5 lakh
      Super Top Up - ₹1 lakh to ₹5 lakh
      Variant Silver, Gold
      Policy Tenure 1 year, 2 years, 3 years
      Pre-Policy Medical Check-ups Not required for up to 45 years and ₹10 lakh sum insured
      Pre-existing Diseases Waiting Period 2 years
      Discount Up to 12.5% tenure discount
      Up to 12.5% family discount
      ₹100 soft copy discount
      Co-payment 20% for people aged 60 years and above

      Benefits of ICICI Lombard Health Booster Plan

      Take a look at the ICICI Lombard Health Booster plan benefits:

      1. Reset Benefit

        With this benefit, the coverage amount of the ICICI Lombard health insurance policy will be restored by 100% in case the original sum insured was exhausted due to claims. The restored amount can be used only for unrelated claims during the policy year.

      2. Complimentary Health Check Up

        The ICICI Lombard General Insurance Company offers complimentary annual health check-up benefits with this top-up insurance policy.

      3. Cumulative Bonus

        Under this health insurance policy, people can earn a cumulative bonus of 10% for up to a maximum of 50% if no claims are filed in the previous year.

      4. Wellness Program

        This ICICI Lombard health insurance top up policy comes with a wellness program that enables the insured to manage & track their health, use disease management services, medical concierge services and earn wellness rewards.

      5. Tax Benefits

        The premiums paid for the ICICI Lombard Health Booster plan can be claimed for tax deductions under Section 80D, Income Tax Act.

      ICICI Lombard Health Booster Plan Eligibility Criteria

      Here are the eligibility criteria to purchase an ICICI Lombard Health Booster plan:

      Parameters Eligibility Criteria
      Minimum Entry Age Adult - 21 years
      Child - 90 days
      Maximum Entry Age Adult - No age limit
      Child - 20 years
      Coverage Type Individual and family floater
      Renewability Lifetime

      Inclusions of ICICI Lombard Health Booster Plan

      The following coverage are included under the ICICI Lombard Health Booster plan:

      • In-patient Treatment - It covers the medical expenses incurred during hospitalization of at least 24 hours, including hospital room rent, doctor’s fees, etc.
      • Day Care Treatment - It pays for the cost of day care treatments that require less than 24 hours of hospital admission.
      • In-patient AYUSH Treatment - It covers the cost of in-patient treatment availed at an AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha and Homeopathy) hospital or day care centre.
      • Domiciliary Hospitalization Cover - It pays for the medical treatment availed at home on doctor’s advice for at least 3 days in case the insured patient cannot be shifted to a hospital.
      • Donor Expenses - It covers the medical expenses incurred by the donor while donating the organ for the transplant surgery of the insured.
      • Pre-Hospitalization & Post-Hospitalization Expenses - It pays for the medical expenses incurred up to 60 days before hospitalization and 90 days after discharge from the hospital.
      • Domestic Road Emergency Ambulance Cover - It covers the cost of availing road ambulance services to transport the insured to a hospital during a medical emergency.

      Optional Covers:

      • Hospital Daily Cash - It pays a daily cash amount to the policyholder for each day of hospitalization, provided the insured is hospitalized for at least 3 days.
      • Convalescence Benefit - It provides a lump sum benefit if the insured is admitted to the hospital for at least 10 consecutive days.
      • Personal Accident Cover - It pays compensation in case the insured meets with an accident leading to death or permanent total disability.
      • Temporary Total Disablement Rehabilitation Cover - It provides a lump sum amount for rehabilitation in case the insured suffers from temporary total disability due to an accident.
      • Repatriation of Remains - It pays for the cost of transporting the mortal remains of the insured back to their place of residence or for cremation or burial in case of death.
      • Critical Illness Cover - It provides a lump sum amount in case the insured is diagnosed with any of the 21 listed critical illnesses.

      Exclusions of ICICI Lombard Health Booster Plan

      The ICICI Lombard Health Booster plan excludes the following:

      • Non-accidental dental expenses
      • Maternity expenses
      • Sterility and infertility treatment
      • Intentional self-injury
      • Treatment for alcohol or drug addiction
      • Plastic or cosmetic surgery
      • External congenital defects
      • Overseas treatment

      ICICI Lombard Health Booster Plan Waiting Periods

      Given below are the waiting periods applicable to the ICICI Lombard Health Booster plan:

      Category Waiting Period
      Initial Waiting Period 30 days
      Pre-existing Disease Waiting Period 2 years
      Cardiac Conditions/Diabetes/Hypertension Waiting Period 90 days
      Specified Disease/Procedure Waiting Period 2 years
      Critical Illness Waiting Period 90 days


      Policybazaar exclusive benefits
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      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

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