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.

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:

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.
Complimentary Health Check Up

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

FAQs

Q1. What is the health booster policy of ICICI Lombard health insurance?

Ans: ICICI Lombard Health Booster is a top up/ super top up insurance plan that comes with an in-built deductible. The policy can be handy when your base policy has exhausted and you need to raise more claims. However, this policy will come into force only when the deductible amount is paid.
Q2. How can I check the ICICI Lombard Health Booster plan cost?

Ans: You can check the ICICI Lombard Health Booster premium chart to know the cost of buying the policy.
Q3. Is full body check-up covered by ICICI Lombard Health Booster?

Ans: Yes. The ICICI Lombard health insurance policy provides annual full body check-up benefit.
Q4. Can we claim OPD bills in ICICI Lombard Health Booster?

Ans: No. The ICICI Lombard Health Booster plan does not cover OPD bills. However, you can earn wellness points under wellness programs benefit to get a discount on your OPD medical expenses, including consultation fees, medicine costs, diagnostic tests, dental expenses, etc
Q5. Does ICICI Lombard Health Booster cover vaccinations?

Ans: No. The ICICI Lombard Health Booster plan does not cover vaccination costs.

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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