Health Insurance 1346 views March 5, 2021

ICICI Lombard Health Booster is a super top-up plan that enhances your health insurance benefits. The following are the key features of the ICICI Lombard Health Booster Plan –

  1. Wide Range of Sum Assured
  2. Flexible Deductible Options
  3. Lifetime Renewability
  4. Individual and Family Cover Option

Learn in detail about the features and benefits of ICICI Lombard Health Booster on this page.

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Sum Assured Options Under ICICI Lombard Health Booster

The policyholder will get multiple sum assured options under the ICICI Lombard Health Booster plan, ranging from INR 5 Lakh to INR 50 Lakh. So choose your sum assured based on your requirements and premium affordability.

ICICI Lombard Health Booster Deductible Options

A deductible applies on an aggregate basis for the covered hospitalization expenses during a policy year. It is the amount that you will pay towards your hospitalization expenses. Under ICICI Lombard Health Booster, you will get the following deductibles –

  1. INR 3 Lakh
  2. INR 4 Lakh
  3. INR 5 Lakh

Suppose you are hospitalized and the medical bill comes around to INR 6 Lakh and your ICICI Lombard Health Booster Deductible is INR 3 Lakh, in such cases, you will pay the first INR 3 Lakhs, while the rest of the INR 3 Lakh will be paid by the company.

ICICI Lombard Health Booster Coverages

The company will compensate for the following medical expenses under the ICICI Lombard Health Booster –

  1. In-patient treatment, if it is for a minimum of 24 consecutive hours
  2. 150 Daycare Treatment requiring less than 24 hours of hospitalization
  3. Inpatient AYUSH treatment that includes Ayurveda, Unani, Siddha and Homeopathy treatment, the same will be admissible for the claim only when the treatment has been undergone in a government hospital or an institute recognized by the government or accredited by the Quality Council of India/National Accreditation Board
  4. Domiciliary Hospitalization up to the Sum Insured
  5. Donor Expenses
  6. Pre and post-hospitalization expenses covered up to 60 days and 90 days, respectively
  7. Domestic road emergency ambulances covered up to INR 5,000 or actual, whichever is less.

Who Gets Coverage Under the ICICI Lombard Health Booster?

You can cover your relationships such as – spouse, dependent children, brother, sister, dependent parent, grandparents, grandchildren, mother-in-law, father-in-law, son-in-law, daughter-in-law, dependent brother-in-law and dependent sister-in-law under ICICI Health Booster Plan. Whereas, in a family floater plan, a maximum of 2 adults and 3 children can be covered in a single policy.

When Do You Get ICICI Lombard Health Booster Reset Benefit?

If your ICICI Lombard Health Booster Plan has a deductible of INR 3 Lakh and above, the company provides you a reset benefit of up to 100% of the Sum Insured once in a policy year. The benefit shall be available in case the Sum Insured including the accrued additional Sum Insured is exhausted due to claims made in the same policy year.

ICICI Lombard Health Booster Wellness Program

With this benefit of ICICI Lombard Health Booster, you can earn wellness points and redeem them against reimbursement of medical expenses such as – consultation charges, medicine & drugs expenses, diagnostic expenses, dental expenses, wellness & preventive care and other miscellaneous charges that are not covered under any medical insurance. You can earn wellness points under ICICI Lombard Health Booster Plan through the following activities.

ActivityPoints Accumulated on an Individual PlanPoints Accumulated in a Family Floater Plan
Health Risk Assessment250500
Medical Risk Assessment10002000
Heart-related screening tests under panel-reactive antibody (PRA) if the age is above 45 years500500
HbA1c or Complete lipid profile under PRA of any age500500
PAP Smear under PRA for females aged above 45 years500500
Mammogram under PRA for females aged above 45 years500500
Prostate-specific Antigen under PRA for males above the age of 45 years500500
Any other test as suggested by ICICI Lombard empanelled medical experts under PRA500500
Gym or Yoga membership for 1-year25002500
Participation in Marathon, Cyclothon, Swimathon and other such professional or sporting events25002500
Participation in health & fitness activity or event organized by ICICI Lombard25002500
Quitting smoking on self declaration100100
Sharing your fitness success story100100
Winning any health quiz organized by ICICI Lombard100100

Note – Each wellness point is equivalent to INR 0.25

Eligibility for ICICI Lombard Health Booster

If you want to purchase ICICI Lombard Health Booster Plan, you need to meet the below-mentioned criteria –

Minimum Entry Age for an Individual PlanChildren aged 6 Years
Minimum Entry Age for a Family Floater PlanChildren aged 3 months to 5 years
Maximum Entry AgeNo Limit
Policy Period1, 2, 3 years
Discount on Premiums10% for a 2-year policy term
And 12.50% for a 3-year policy term
Free look period15 days starting the date of receipt of the policy bond

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