ICICI Lombard Health Booster Super Top-up Plan | PolicyX
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ICICI Lombard Health Insurance ICICI Lombard Health Insurance ★ 4.4

ICICI Lombard Health Booster

This policy acts as a shield, covering expenses that exceed your curre ...Read More

Up to 3 Crores
Sum insured
1
No. of plans
320+
Pan India presence
97.16%
Claim settlement ratio
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,704 reviews
🏥 10,600+ hospitals
📊 2.69 solvency ratio
✅ 97.16% claim settlement

About ICICI Lombard Health Booster

A quick read on what this ICICI Lombard Health Insurance plan covers and why it might be a fit for you.

ICICI Lombard Health Booster is a comprehensive super top-up health insurance plan designed to enhance your existing coverage. This policy acts as a shield, covering expenses that exceed your current health insurance coverage. It offers flexible deductible choices, lifetime renewability, and various policy period options with no age restrictions. The plan offers numerous benefits, making it robust and versatile. Let's explore them in detail.

Eligibility Table For ICICI Lombard Health Booster Policy

Eligibility CriteriaDetails
Minimum Age6 Years
Maximum AgeNo maximum age limit
Child CoverageChildren aged 3 months to 5 years can be insured under a floater plan only.
Policy Period Options1 year, 2 years, or 3 years
Lifetime RenewabilityYes, the policy can be renewed for a lifetime.
Pre-Policy Medical CheckupNo medical test is required for individuals below 46 years of age with a sum insured of up to ₹10 lakh
Deductible Options₹3 lakh, ₹4 lakh, ₹5 lakh
Co-Pay (Above 60 years)20% of the admissible claim amount above the deductible.
Initial Waiting Period30 Days

For more specifications, please refer to the brochure.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
Min- 6 years , Max- No Limit
Plan type
Top Up and Super Top Up
Sum insured options
₹5 L, ₹10 L, ₹20 L, ₹50 L
Waiting period
30 days
Renewability
Lifetime
Policy term
1, 2, 3 Year

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • In-patient treatment covered
  • High range of coverage
  • Flexible coverage

Cons

  • Injury due to war
  • Cosmetic surgery
  • Aesthetics treatment

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Not covered
  • OPD charges Covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Not covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Covered
  • New-born baby cover Covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Covered
  • E-consultation Covered
  • Health check-up Covered
  • Second medical opinion Covered
  • Vaccination Covered

Conditions & global

  • Co-payment Applicable
  • Sub-limits Not Applicable
  • Compassionate travel Covered
  • Global coverage Not covered

Key Features Of ICICI Lombard Health Booster

The following are the key features of the policy:

  • The plan offers a wide range of coverage, from ₹5 lakh to ₹50 lakh.
  • It offers flexible deductible choices of ₹3 lakh, ₹4 lakh, or ₹5 lakh.
  • The policyholder can choose between individual and floater coverage.
  • Lifetime renewability is also offered by the plan.
  • Policy period options offered by Health Booster are 1, 2, and 3 years.
  • No age restrictions are imposed, making it accessible to all.
  • No pre-policy medical check-up is required to purchase the plan.
  • A free look period of 15 days is offered upon policy commencement.

Benefits of ICICI Lombard Health Booster

The policy offers the following benefits:

  • In-Patient Treatments

    Covers medical expenses for hospitalization lasting a minimum of 24 consecutive hours.

  • Daycare Treatments

    Covers expenses for daycare treatments requiring hospitalization of less than 24 hours.

  • In-patient AYUSH Treatments

    The plan covers expenses for AYUSH treatment undertaken at any government hospital or recognized medical institute.

  • Domiciliary Hospitalization

    This plan covers domiciliary hospitalization expenses.

  • Organ Donor Expenses

    Covers hospitalization expenses incurred by an organ donor for transplant surgery.

  • Pre and Post-Hospitalization

    The plan covers medical expenses incurred 60 days before and 90 days after hospitalization.

  • Domestic Road Emergency

    Reimburses ambulance charges during emergencies.

  • Reset Benefit

    With a deductible of ₹3 lakh and above, the policy resets up to 100% of the sum insured once in a policy year if the sum insured becomes insufficient due to previous claims.

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • The permanent exclusions under this policy include:
  • Injury due to war or invasion
  • Cosmetic surgery
  • Aesthetic treatments
  • Dental treatment
  • Suicide
  • Injury due to alcohol or drug abuse
  • AIDS/HIV treatment

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Minimum Entry Age: 6 Years
  • Maximum Entry Age: No maximum age limit
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to ₹50 Lakh

Other features & benefits

Conclusion

ICICI Lombard Health Booster is a comprehensive super top-up health insurance plan designed to provide extensive coverage and financial security. This plan covers additional expenses when your base policy is exhausted, offering enhanced protection throughout the policy year.

ICICI Lombard Health Booster: FAQs

The 3 most-asked questions about ICICI Lombard Health Booster, answered.

The Health Booster offers a maximum sum insured of up to 50 Lakhs, providing comprehensive coverage for medical expenses.
Yes, the insured can avail of cashless hospitalization at the network hospitals of the company.
No, this plan does not cover any dental treatment.

Conclusion

A cost-effective top-up plan that significantly increases your health cover, but it activates only a

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 24 Jan 2024 · Originally published: 18 Nov 2024

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