ICICI Lombard Health Booster Health Insurance Plan
We buy health insurance policies knowing the fact that most of us need medical care at some or the other point in life. But what if you exhaust the sum assured limit offered under your chosen plan? So it is always better to have a backup insurance cover that protects you from unexpected medical emergencies and exorbitant costs. ICICI Lombard Health Booster is one such coverage that takes care of expenses beyond the sum assured limit of your health insurance plan.
Features of ICICI Lombard Health Booster Plan:
Entry age | The policy is offered to individuals above the age of 6 yearsChildren aged between 3 months to 5 years can be covered under a family floater plan |
Policy Tenure | Health Booster plan is available in options of 1,2, or 3 years policy period |
Annual Sum Assured | Rs.5 lakhs to Rs.50 lakhs |
Renewability | Lifetime renewability |
Medical check-up | No medical check-up is required for individuals below the age of 46 years and for insurance cover up to 10 lakhs |
Claims | The policy offers cashless claim settlement and reimbursementsThe claim amount offered under optional covers will not be considered as deductible. |
Premiums | Premiums will depend on the sum assured, tenure, and the optional cover selected by the policyholder |
Copayment | Copayment is applicable only for persons aged above 60 yearsThe company will pay 80% of the permissible claim amount above the deductibleCopayment option is not available on optional covers |
Benefits | Allows you to reset the sum assured up to 100%Covers domiciliary treatmentsProvides flexible options for deductibles and sum assuredSettles cashless claims in less than 4 hours and reimbursement claims in less than 14 daysEarn reward points by maintaining healthy habitsAvail cashless hospitalization in more than 4500 hospitals across IndiaTax benefits under Section 80D of the Income Tax Act |
Documents required for claim | Duty filled claim form signed by the patient and the medical practitionerReceipts and billsDischarge certificate issued by the hospital or doctorOriginal test reportsLetter from the doctor advising hospitalizationAny other documents required by the claim settlement department of ICICI Lombard health insurance. |
Permanent exclusion | Any pre-existing disease or injury will not be covered for a period of 2 years; This waiting period may reduce if the person is covered under a similar plan before opting forMedical expenses incurred by the policyholder during the first 30 days of commencement of the plan, unless arising out of accidentsSelf-inflicted harm or such injuries are not coveredInjuries or diseases attributable to war or warlike situationsDiseases due to alcohol or drug abuseCost of dental treatments, braces, spectacles, and the likeTreatment for HIV, AIDS, and related diseasesPregnancy and related expenses are not covered under Health Booster planMedical expenses of tests and treatments related to infertility and in-vitro fertilization |
Tax Benefit | Health Booster plan offers tax benefits under Section 80D of the Income Tax Act |
Free Look Period | The policy can be cancelled by giving a written notice within 15 days of purchase. |
Optional Covers:
The policy offers optional covers to supplement the list of services provided at the time of hospitalization. The purpose of these add-on covers is to enhance the range of protection offered under the Health Booster plan. You can choose any of the following optional covers:
Optional Cover 1:
Company shall pay a fixed sum of Rs.1,000 as daily cash benefits during the period of hospitalization. The hospitalization should be for a minimum period of 3 days and it should not exceed 30 days in a policy year. The policy also provides convalescence benefits in the event of hospitalization exceeding 10 consecutive days.
Optional Cover 2:
Under Optional Cover 2, you or your nominees will receive an amount equal to the sum insured offered against the optional benefit. It also features a Temporary Total Disablement (TTD) Rehabilitation Cover, the benefits of which shall be provided on a weekly basis for a maximum period of 10 weeks.
Optional Cover 3:
The company shall pay a lump sum amount on diagnosis of any of the critical illnesses listed under the plan. The policyholder must make sure that such conditions are reported within 30 days from the date of diagnosis. Once a claim under critical illness has been paid off, then the cover would terminate and it won’t be offered during future renewal of policy.
GST rate of 18% applicable for all financial services effective July 1, 2017.
Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.
FAQs on ICICI Lombard Health Booster Health Insurance Plan
- What is ICICI Lombard Health Booster Plan?
The ICICI Lombard Health Booster is a top-up health insurance plan designed to provide additional financial coverage once your base health insurance sum assured is exhausted. It helps manage high medical costs and offers enhanced protection against unexpected healthcare expenses.
- Who is eligible to buy the ICICI Lombard Health Booster policy?
Anyone above 6 years of age can buy the Health Booster plan. Children between 3 months and 5 years can be included under a family floater plan.
- What is the sum insured range under the ICICI Health Booster plan?
The Health Booster plan offers a wide range of sum insured options, starting from ₹5 lakhs to ₹50 lakhs.
- Is there a medical check-up required for buying this policy?
No pre-policy medical check-up is required for individuals below 46 years of age if the coverage amount is up to ₹10 lakhs.
- Does ICICI Lombard Health Booster offer cashless hospitalization?
Yes, you can avail of cashless hospitalization at over 4500+ network hospitals across India under the Health Booster plan.
- Are there any optional covers available in the Health Booster plan?
Yes, ICICI Lombard offers optional covers like daily hospital cash, critical illness benefit, and Temporary Total Disablement (TTD) Rehabilitation Cover for enhanced protection.
- What is the co-payment clause under ICICI Lombard Health Booster?
A co-payment of 20% is applicable for policyholders aged above 60 years. This means the insurer will pay 80% of the claim amount above the deductible.
- What is the claim process for the Health Booster Plan?
You can make a cashless claim or file for reimbursement. Required documents include a signed claim form, hospital bills, discharge summary, test reports, and a doctor's recommendation for hospitalization.
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