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ICICI Lombard Health Booster is a comprehensive super top-up health insurance plan designed to enhance your existing coverage. The policy acts as a shield, covering expenses exceeding your current health insurance coverage. It offers flexible deductible choices, lifetime renewability, and various policy period options with no age restrictions. This plan offers numerous benefits, making it robust and versatile. Let's explore them in detail.
Eligibility Criteria for ICICI Lombard Health Booster Policy
| Eligibility Criteria | Details |
|---|---|
| Minimum Age | 6 Years |
| Maximum Age | No maximum age limit |
| Child Coverage | Children aged 3 months to 5 years can be insured under a floater plan only. |
| Policy Period Options | 1 year, 2 years, or 3 years |
| Lifetime Renewability | Yes, the policy can be renewed for a lifetime. |
| Pre-Policy Medical Checkup | No medical test is required for individuals below 46 years of age with a sum insured 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 Period | 30 Days |
Read more specifications in the brochure.
Key Features of ICICI Lombard Health Booster
The following are the key features of the policy:
- The plan comes with 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 under the policy, making it accessible to all ages.
- No pre-policy medical checkup is required to buy 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 hospitalisation for a minimum of 24 consecutive hours.Daycare Treatments
Covers expenses for daycare treatment that requires hospitalisation of less than 24 hours.In-patient AYUSH Treatments
Covers expenses for AYUSH treatment undertaken at any government hospital or recognized medical institute.Domiciliary Hospitalisation
Covers domiciliary hospitalisation.Donor Expenses
Covers hospitalisation expenses incurred by an organ donor for organ transplant surgery.Pre and Post-hospitalisation
Covers medical expenses incurred 60 days before and 90 days after hospitalisation.Domestic Road Emergency
Reimburses ambulance charges during emergencies.Reset Benefit
If the sum insured is insufficient due to previous claims in a policy year, the policy resets up to 100% of the sum insured once, provided the deductible of ₹3 lakh or above has been met.
Exclusions
- Injury due to war or invasion
- Cosmetic Surgery
- Aesthetic Treatment
- Dental Treatment
- Suicide
- Injury due to alcohol/substance abuse
- AIDS/HIV treatment
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 once your base policy is exhausted, offering enhanced protection multiple times within a single year.
