health-booster

What is a Health Booster policy?
Health Booster is a super top-up health insurance, which covers your bill when your basic insurance plan falls short.
Think of a scenario where a person is hospitalized, and the bill is 15 lakhs. His health insurance limit is only 10 lakhs. So, what happens then? He would have to pay the difference of 5 lakhs out of pocket. That when a Health Booster policy comes into the picture. This type of plan adds a higher sum insured at a comparatively lower premium. It gives your health insurance a boost, without stretching your budget too much.

Why should you buy a Health Booster top-up insurance policy?
Health insurance top-up plans support you financially, in case of a medical emergency.

1.Cost effectiveness
A super top-up health insurance does cost as much as a basic plan with higher sum insured.

2.Additional security
With health expenses on the rise, it is prudent to have a top-up policy for higher coverage. Top-up insurance covers your whole family under a single policy.

3.Protection for savings
It keeps your savings protected to a greater extent. You can focus solely on recovery instead of treatment costs.

Why should you buy Health Booster top-up insurance from ICICI Lombard?
Wide range of sum insured (5 lakhs to 50 lakhs) to suit your individual or family needs Flexible deductible options (3/4/5 lakhs) to choose from10% & 12.5% discount on 2 year & 3 year policies, respectively Cashless treatment at 6500+ network hospitals* across India Claims service guarantee: Response for cashless claims in 4 hours & reimbursement claims within 14 days from receipt of last document/information Quick and hassle-free claim filing and tracking on our website & IL Take Care app No pre-policy medical tests for sum insured up to 10 lakhs (up to 45 years of age)

What is covered under the Health Booster top-up plan of ICICI Lombard?
Inclusions

In-patient treatment
Medical expenses you incur, if you re hospitalized for more than 24 consecutive hours.

Day care treatments
Expenses for day care treatments, such as an eye operation, ligament tear surgery, or tonsillectomy. We cover 150 such day care procedures, which don't require more than 24 hours of hospitalization. A list of these day care treatments is available here.

In-patient AYUSH treatment
Hospitalization expenses for Ayurveda, Unani, Siddha and Homeopathy (AYUSH) treatment, on reimbursement basis
.
Donor expenses
Hospitalization expenses for undergoing an organ transplant surgery, up to sum insured.

Pre and post hospitalization
Your medical expenses up to 60 days before and up to 90 days after hospitalization.

Road ambulance cover
Emergency road ambulance expenses, up to 1% of your sum insured, maximum up to 5,000 per event.

Pre-existing diseases
We cover disclosed and accepted pre-existing diseases after a continuous coverage of 2 years.

Floater benefit
Under floater cover, you can add up to 2 adults and 3 children in a single policy. Relationships covered: 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.

Lifetime renewability
You can renew your top-up health insurance, without any restriction on age.

Tax benefit
You can avail a tax-saving benefit on premium, as per Section 80D of Income Tax Act, 1961 and amendments made thereunder.

Cashless hospitalization
Avail cashless hospitalization at any of our 6500+ network providers/hospitals*. A list of these providers/hospitals is available here.

Domiciliary hospitalization cover
Medical expenses during your domiciliary hospitalization up to sum insured.

Reset benefit
For plans with deductible of 3 lakhs and above, we provide a reset benefit of up to 100% of the sum insured. This benefit applies in case your sum insured (including additional sum insured) is insufficient due to previous claims in that policy year. You can avail this benefit only once in a policy year.

Wellness program
Our wellness program is designed to promote, incentivize and reward you for your healthy behavior through various wellness services. You can earn reward points for fitness/wellness activities and redeem them for OPD expenses.

What are the add-on benefits of Health Booster top-up health insurance?

Hospital Daily Cash
If you are hospitalized for 3 consecutive days or more, we pay a fixed allowance of 3,000 (as per plan opted) every day. Subject to a maximum of 30 consecutive days per policy year.

Convalescence Benefit
If you are hospitalized for 10 consecutive days or more, we pay a fixed benefit amount. This benefit is payable only once during each policy year.

Personal Accident Cover
We will pay you/your nominee a fixed benefit amount in case of accidental death or permanent total disablement. This cover is subject to a maximum of 2 adults.


Temporary Total Disablement (TTD) Rehabilitation Cover
In case of an accident resulting in temporary total disablement, we pay a fixed benefit amount for rehabilitation. This will be paid out weekly, for up to a maximum of 10 weeks.

Repatriation of Remains
We reimburse the costs of transporting the insured person remains back to the residence in case of death.

Critical Illness Cover
We pay a lump-sum amount on your first diagnosis of a specified critical illness. This benefit is applicable only once and it comes with a waiting period of 90 days. It is subject to a maximum of 2 adults. The list of specified critical illnesses is available here.

How can I check my eligibility for the Health Booster policy?
# If you are above 18 years of age, you can buy the Health Booster
Insurance policy for yourself and your family members, children and
parents. There is no maximum entry age.
# If you want your child to be covered under a family floater plan, he/she
should be more than 3 months old. In case you are buying an individual
policy for your child, he/she should be more than 6 years old.
# If you are buying the policy for an individual who is more than 45 years
of age, he or she will need to undergo a medical test at our designated
diagnostic centers.

FAQs related to Health Booster Top up Health Insurance policy

General

Where can I find the list of network hospitals?
You can make use of our easy and convenient to find a network hospital that is closest to your location. Just select the state and city and press Search, and the tool will auto-populate a list of our network hospitals in the place of your choice.

How can I switch my current insurance to ICICI Lombard?
If you wish to switch your existing insurance to any ICICI Lombard plan, please provide your application and a duly filled portability form along with your previous policy documents. Kindly share these at least 45 days before the renewal date of your existing policy.

What if I’m admitted to a hospital that doesn't come in the list of ICICI Lombard network hospitals?
ICICI Lombard has a strong network of 9300+ hospitals*, pan-India, through which we offer cashless facilities for your treatment. However, if you take treatment outside the network, then you can file a claim with us and we will reimburse your expenses as per the policy terms and conditions.

How can I renew my policy?
You can renew your policy either by paying the renewal premium online or by calling us at our toll-free number 1800 2666. Alternatively, you may also visit your closest ICICI Lombard branch.

Can I add or remove a family member to this policy?
Yes, the floater option easily allows you to add up to 2 adults and 3 children (above 3 months of age) under one single policy and premium amount. You can get your immediate family members covered (self, spouse, dependent parents, dependent children, brothers and sisters) for the same sum insured. You can include a new member or delete a member only at the time of renewal.

Cover

How do I know if an institute for AYUSH treatment is covered by ICICI Lombard under this policy?
We reimburses expenses for AYUSH treatment, only when you receive it from a Government Hospital. You can also undergo treatment at any Institute that's recognized by the Government and/or accredited by the Quality Council of India/National Accreditation Board on Health.

What if I undergo treatment for any illness overseas?
We will not be able to cover expenses for overseas treatment. Currently, we cover treatment taken in India only.

What does Deductible mean?
It is the amount over which Health Booster top-up health insurance policy gets activated. We shall not be liable for any payment unless your medical expenses exceed the deductible. A deductible does not reduce the sum insured.

What are the limits for pre and post hospitalization expenses?
It refers to the payment of the medical expenses you incur immediately 60 days before and 90 days after hospitalization.

What is Wellness Program?
Under our Wellness Program, we issue reward points for certain wellness activities, such as joining a gym, running a marathon, etc. You can redeem your points against outpatient treatment expenses. Other than reward points that you can redeem, you also get wellness services like medical advice, dietician & nutritional counselling, free health check-ups, medical concierge services etc

What is rehabilitation?
Rehabilitation is a treatment designed to facilitate your recovery from injury, illness, or disease to as normal a condition as possible. Only the rehabilitation services provided by a certified practitioner will be considered under our top-up health insurance policy. This benefit is applicable under Temporary Total Disablement (TTD) Rehabilitation add-on cover.

Premium

Will all my premium go to waste at the end of the policy term, if I don't fall sick?
If no claim has been made during the policy period, your sum insured will increase by a fixed percentage at the time of the policy renewal. You are eligible for 10% increase in sum insured at renewal, subject to a maximum of 50%, for every claim-free policy period.

[B]How much premium qualifies for tax benefits?
Under section 80D of the Income Tax Act, you can avail tax benefits for premiums paid towards your health insurance policy. The following table explains total tax deduction for only assessed, spouse, dependent children and parents (whether dependent or not):



Will my premium be the same when I renew my policy?
Your premium depends on your age and the extent of coverage you have opted for in your policy.
If you move to a higher age band at the time of renewal, the premium will change as per new age band. In case of an individual policy, we check only your age. For floater policies, we consider the age of the senior-most member.
If, at the time of renewal, if you upgrade your product to a higher sum insured, add covers or make changes to the number of people covered, your premium will change.