• ICICI Lombard Health Booster Plan

    Car Insurance
    • Enjoy options to cover yourself, your spouse, kids and even your parents
    • Enjoy access to 10,000+ hospitals for cashless treatment
    • Reduce your taxable income by up to Rs. 50,000 deduction under section 80D**

    The Health Booster Plan from ICICI Lombard is a top-up policy that offers insurance coverage if the cover offered by your base health insurance policy is not sufficient. Despite being a top-up policy, the Health Booster Plan can also be purchased by individuals who don’t have an existing health insurance policy. In such a case, coverage will be provided after the deductible is reduced from the claim amount.

    The policy offers comprehensive protection by covering inpatient treatments, daycare treatments, AYUSH treatments, domiciliary hospitalisation, etc. The Health Booster Plan can be purchased on an individual or floater basis.

    Eligibility for ICICI Lombard Health Booster Plan

    To purchase the Health Booster Plan, policy buyers will need to meet ICICI Lombard’s predefined eligibility criteria, which is as follows:

    • Individual policies can be purchased for/by those who are 6 years of age or older.
    • Children between 3 months and 5 years of age can be covered under this policy only if it is a floater plan.
    • There is no maximum age at entry.
    • Once purchased, the policy is renewable for life.
    • Based on the coverage needs of the policy buyer, the policy can be purchased on an individual basis or floater basis.
    • A maximum of two adults and three children can be covered under one floater policy.

    Features of ICICI Lombard Health Booster Plan

    A few significant features of the ICICI Lombard Health Booster Plan are as follows:

    • Policy buyers can opt for a sum insured between Rs.5 lakh and Rs.50 lakh.
    • The insurer offers flexible deductible options of Rs.3 lakh, Rs.4 lakh, and Rs.5 lakh.
    • Individuals who purchase this policy can opt for a policy term of 1 year, 2 years, or 3 years.
    • Policyholders can undergo cashless hospitalisation at hospitals that are a part of the insurer’s network.
    • Individuals who are under the age of 46 years and those who opt for a sum insured of Rs.10 lakh or lower will not be required to get a pre-policy medical check-up done.
    • The policy can be cancelled within 15 days of its issuance.
    • For policies that have a deductible of Rs.3 lakh or more, the insurer will reinstate up to 100% of the sum insured if the sum insured and the accrued additional sum insured are exhausted during the policy year. This benefit is available only once in every policy year.
    • For every claim-free policy year, your sum insured will increase by 10%, subject to a maximum increase of 50%.
    • Policyholders will receive complimentary health check-up coupons every year. For floater policies, a maximum of 2 coupons will be issued per year.
    • Policy buyers can purchase optional covers for enhanced coverage by paying an additional premium. Benefits under these covers will only be provided if the claim is below the deductible.
    • This policy can be purchased to cover yourself, your spouse, dependent children, dependent parents, siblings, grandchildren, grandparents, mother-in-law, father-in-law, daughter-in-law, son-in-law, dependent brother-in-law, and dependent sister-in-law.
    • As per Section 80D of the Income Tax Act, 1961, policyholders can claim tax benefits for premiums paid to maintain the policy cover.

    Benefits of ICICI Lombard Health Booster Plan

    The benefits offered by the ICICI Lombard Health Booster Plan are as follows:

    Benefits Extent of Coverage
    Inpatient treatment Coverage will be provided if the individual has been hospitalised for at least 24 consecutive hours
    Daycare treatments Coverage is provided for 150 daycare treatments
    AYUSH treatments Expenses incurred by policyholders on Ayurveda, Unani, Siddha, and Homeopathy (AYUSH) treatments will be covered, provided the treatment was undertaken at a government hospital or in a medical establishment recognised by the government
    Domiciliary hospitalisation Medical expenses incurred during domiciliary hospitalisation will be covered up to the sum insured
    Donor expenses Hospitalisation expenses incurred by an organ donor while undergoing an organ donor transplant surgery will be covered up to the sum insured
    Pre and post-hospitalisation Pre-hospitalisation expenses are covered for up to 60 days prior to the hospitalisation. Post-hospitalisation expenses are covered for 90-days after your hospitalisation.
    Domestic road emergency ambulance cover Up to 1% of the sum insured, up to a maximum of Rs.5,000
    Reset benefit Provided for policies with a deductible of Rs.3 lakh or more
    Wellness program Policyholders can earn wellness points for wellness activities

    Exclusions under of ICICI Lombard Health Booster Plan

    • The insurer will not pay the deductible, which is to be borne by the policyholder. Coverage will only be provided if the hospitalisation expenses exceed the deductible.
    • The insurer will not be liable to pay the co-pay amount.
    • No claims will be entertained during the initial 30-day waiting period.
    • Pre-existing diseases will only be covered after 2 continuous policy years.
    • Specific ailments/conditions/diseases, as mentioned in the policy documents, will be covered after the completion of the 2-year waiting period, unless treatment is required due to the occurrence of cancer.
    • Disease or injuries that are directly or indirectly caused due to invasion, war, war-like operations, acts of foreign enemies, aesthetic treatments, or cosmetics will not be covered unless they are caused due to an accident. The cost incurred on spectacles, hearing aids, contact lenses, dental surgery/treatment will also not be covered, unless hospitalisation is required.

    *Note: For a detailed list of exclusions, policy buyers can refer to the policy wordings.

    Claim Procedure

    Reimbursement Claim Procedure:

    • For planned hospitalisation, policyholders will need to intimate the insurer of the upcoming hospitalisation at least 48 hours in advance. In case of emergency hospitalisation, the insurer will need to be intimated within 24 hours of the hospitalisation. For all other cases, the insurer will have to be notified within 7 days of the completion of the procedure.
    • When notifying the insurer about the hospitalisation/treatment, you will need to mention your policy number, name, relationship with the policyholder, nature of the illness, name and location of the hospital, and any other information that might be relevant.
    • Upon your discharge, you will need to pay the bills and collect your documents from the hospital.
    • Submit the duly-filled claim form and required documents to ICICI Lombard Health Care or the TPA.
    • After verification, your claim request will be approved or rejected. If more information is required, you will be notified of the same.
    • If the claim is approved, you will receive the claim settlement.

    Cashless Claims:

    • Cashless hospitalisation services are only available at network hospitals. In the case of planned treatments, the insurer should be notified at least 48 hours before the treatment. In the case of emergency hospitalisation, the insurer should be notified within 24 hours of the treatment.
    • You will need to specify your name, policy number, nature of the illness, etc., when you contact the insurer.
    • You will have to fax the pre-authorisation form along with the relevant documents to the insurer.
    • Your claim request will be reviewed, after which it will be accepted/rejected. If more information is needed, a query will be raised.
    • You will receive the claim settlement once the claim gets approved.

    Unplanned medical expenses can quickly drain your savings. Make sure to purchase the ICICI Lombard Health Booster Plan for all-round protection against health-related expenses.

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