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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 –
Learn in detail about the features and benefits of ICICI Lombard Health Booster on this page.
Table of Contents
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.
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 –
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.
The company will compensate for the following medical expenses 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.
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.
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.
Activity | Points Accumulated on an Individual Plan | Points Accumulated in a Family Floater Plan |
---|---|---|
Health Risk Assessment | 250 | 500 |
Medical Risk Assessment | 1000 | 2000 |
Heart-related screening tests under panel-reactive antibody (PRA) if the age is above 45 years | 500 | 500 |
HbA1c or Complete lipid profile under PRA of any age | 500 | 500 |
PAP Smear under PRA for females aged above 45 years | 500 | 500 |
Mammogram under PRA for females aged above 45 years | 500 | 500 |
Prostate-specific Antigen under PRA for males above the age of 45 years | 500 | 500 |
Any other test as suggested by ICICI Lombard empanelled medical experts under PRA | 500 | 500 |
Gym or Yoga membership for 1-year | 2500 | 2500 |
Participation in Marathon, Cyclothon, Swimathon and other such professional or sporting events | 2500 | 2500 |
Participation in health & fitness activity or event organized by ICICI Lombard | 2500 | 2500 |
Quitting smoking on self declaration | 100 | 100 |
Sharing your fitness success story | 100 | 100 |
Winning any health quiz organized by ICICI Lombard | 100 | 100 |
Note – Each wellness point is equivalent to INR 0.25
If you want to purchase ICICI Lombard Health Booster Plan, you need to meet the below-mentioned criteria –
Particulars | Details |
---|---|
Minimum Entry Age for an Individual Plan | Children aged 6 Years |
Minimum Entry Age for a Family Floater Plan | Children aged 3 months to 5 years |
Maximum Entry Age | No Limit |
Policy Period | 1, 2, 3 years |
Discount on Premiums | 10% for a 2-year policy term And 12.50% for a 3-year policy term |
Free look period | 15 days starting the date of receipt of the policy bond |