ICICI Lombard Health Booster 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 years
  • Children 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
  • The policy offers cashless claim settlement and reimbursements
  • The 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 is applicable only for persons aged above 60 years
  • The company will pay 80% of the permissible claim amount above the deductible
  • Copayment option is not available on optional covers
  • Allows you to reset the sum assured up to 100%
  • Covers domiciliary treatments
  • Provides flexible options for deductibles and sum assured
  • Settles cashless claims in less than 4 hours and reimbursement claims in less than 14 days
  • Earn reward points by maintaining healthy habits
  • Avail cashless hospitalization in more than 4500 hospitals across India
  • Tax benefits under Section 80D of the Income Tax Act
Documents required for claim
  • Duty filled claim form signed by the patient and the medical practitioner
  • Receipts and bills
  • Discharge certificate issued by the hospital or doctor
  • Original test reports
  • Letter from the doctor advising hospitalization
  • Any 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 for
  • Medical expenses incurred by the policyholder during the first 30 days of commencement of the plan, unless arising out of accidents
  • Self-inflicted harm or such injuries are not covered
  • Injuries or diseases attributable to war or warlike situations
  • Diseases due to alcohol or drug abuse
  • Cost of dental treatments, braces, spectacles, and the like
  • Treatment for HIV, AIDS, and related diseases
  • Pregnancy and related expenses are not covered under Health Booster plan
  • Medical 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.

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