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Supplement your Health Insurance with the Health Booster Cover

Secure yourself from surging medical costs and unexpected health issues with the Super Top-Up Health Booster cover. Because your health deserves more!

7 reasons to buy ICICI Lombard Health Booster

Get easy access to cashless medical care in your city
Now get help when you need it most with our wide network of 3600+ hospitals across India
Flexible sum insured and deductibles
Avail flexible deductible options and annual sum insured options ranging from ₹5 to ₹50 lakhs to suit your needs
Stay fit and get rewarded
Get rewarded for your healthy habits by earning points through various wellness activities with our wellness programme
Get coverage for treatment at home
Medical expenses incurred by you during your domiciliary hospitalisation or treatment at home shall be covered
Now reset your sum insured up to 100%
Once in a policy year, your sum insured amount will be reset up to 100%
We guarantee on time claim service
Get a quick response: for cashless claims in 4 hours and reimbursement claims in 14 days
Enjoy tax benefits
Enjoy tax deduction benefits on the premium amount paid for you, spouse, dependent children
What is deductible?

Deductible is a cost-sharing requirement under a health insurance Policy that provides that the insurer will not be liable for a specified rupee amount in case of indemnity policies and for a specified number of days/hours in case of hospital cash policies which will apply before any benefits are payable by the insurer. A deductible does not reduce the sum insured.

You can redeem the wellness points earned through the below mentioned activities for OPD benefits at any of our network hospitals:

Wellness Points:

  • Gym/Yoga membership for 1 year - 2,500
  • Participation in events like marathon/cyclathon etc. - 2,500
  • Preventive risk assessment - 500 points per test
  • Use free health check-up coupons - 1000
  • Online HRA surveys - 250

*Each wellness point will be equivalent to ₹0.25

What is reset benefit?

For plans with deductible of ₹3 lakhs and above, we shall reset up to 100% of the sum insured once in a policy year in case the sum insured including accrued additional sum insured (if any) is insufficient due to previous claims in that policy year.

The reset will trigger only for claims within the same policy year excluding the first claim, and if it is unrelated to the illness/disease/injury for which a claim has been paid in that policy year for the same person.

a) For reimbursement claims: We shall make the payment of admissible claim (as per terms and conditions of the policy) or communicate non-admissibility of claim within 14 days after you submit a complete set of documents and information in respect of the claim. We shall pay 1% interest over and above the rate defined as per IRDAI regulations 2002.

b) For cashless claims: If you notify pre-authorisation request for cashless facility through any of our empanelled network hospitals along with a complete set of documents and information, we will respond within 4 hours of the actual receipt of such pre-authorisation request with approval or rejection or query seeking further information. In case of delay in response by us beyond the time period, we shall be liable to pay ₹1,000 to the insured.

How does Tax Benefit work?

For e.g. A premium of ₹25,000/- is fully deductible under Section 80D of the Income Tax Act. You would save ₹7725/- on your tax payable at maximum tax slab.

Key Points:

Premium paid for medical insurance qualifies for deduction under Section 80D of the Income Tax Act. Section 80D benefit remains over and above ₹1.5 Lakhs benefit of 80C (ELSS, Principal component of home loan, Life Insurance, etc.) The individual who pays the premium for the cover can avail tax benefit. Persons covered include your spouse, children and parents. The qualifying amounts under Section 80D is maximum up to ₹25,000/- for self, spouse and children.

A further deduction of ₹25,000/- can be saved when covering parents, and if the parents are senior citizens aged 60 years or more at any time during the financial year in which the premium was paid, then up to ₹30,000/- can be saved."

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Healthcare in India

Fitness and technology are now intrinsically connected, technology aiding a healthier lifestyle is fast gaining momentum in India.

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Understand your Health Booster policy coverage

Your policy covers:

  • In-patient treatment: Medical expenses for hospitalisation as an in-patient for a minimum period of 24 consecutive hours
  • Day care treatments: 150 medical expenses incurred by you while undergoing specified day care treatment (as mentioned in the day care surgeries list), which require less than 24 hours hospitalisation
  • In-patient AYUSH treatment: Expenses for Ayurveda, Unani, Siddha and Homeopathy (AYUSH) treatment only when the treatment has been undergone in a government hospital or in any institute recognised by the government and/or accredited by Quality Council of India/National Accreditation Board
  • Donor expenses: Hospitalisation expenses, as incurred by the organ donor for undergoing organ transplant surgery for your use, are covered up to sum insured
  • Pre and post hospitalisation: Medical expenses incurred by you, immediately up to 60 days before and up to 90 days after your hospitalisation covered up to sum insured
  • Domestic road emergency ambulance cover: The reasonable and actual expenses up to 1% of your sum insured, maximum up to ₹5,000 per event, incurred by you on availing ambulance services offered by a hospital/ambulance service provider in an emergency condition
  • Relationships covered: Self, 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
  • Wide range of annual Sum Insured (5 lakhs to 50 lakhs) and flexible deductible options (3,4,5 lakhs) to suit your needs
  • Individual and Floater cover for the family
  • Lifetime renewability
  • Policy Period: Available in one, two or three year policy period options(10%, 12.5% discount on 2yrs, 3yrs policy)
  • Floater option: Covering up to 2 Adults and 3 Children in a single policy
  • Eligibility: This policy can be offered to an individual with minimum age of 6 years under an individual policy. However children aged 3 months to 5 years can be insured under a floater plan only. No restriction on maximum entry age
  • Pre-existing diseases: Pre-existing diseases will be covered immediately after 2 years of continuous coverage under the policy since the issuance of the first policy. The waiting period will be adjusted by the number of years the insured has spent in the base policy
  • Tax Benefit: Avail tax saving benefit on premium paid under health section of this policy, as per section 80D of Income Tax act, 1961 and amendments made thereafter
  • Cashless Hospitalisation: Avail cashless hospitalisation at any of our network providers/hospitals. List of these providers/hospitals is available on our website
  • Pre-policy medical checkup: No medical tests will be required for insurance cover below the age of 46 years and upto sum insured of ₹10 Lakhs
  • Free look period: Policy can be cancelled by giving a written notice within 15 days of receipt.
  • Domiciliary Hospitalisation Cover: Medical expenses incurred by you during your domiciliary hospitalisation upto sum insured
  • Reset Benefit: For plans with deductible of ₹3 lakhs and above, we shall reset up to 100% of the sum insured once in a policy year in case the Sum Insured including accrued Additional sum insured (if any) is insufficient due to previous claims in that policy year
  • Wellness Program: Wellness program intends to promote, incentivize and reward you for your healthy behavior through various wellness services.
  • Claim Service Guarantee: Get a quick response for cashless claims in 4 hours and reimbursement claims in 14 days
  • Enjoy tax benefits: Now have fun with the tax deduction benefits on the premium paid for you, spouse and dependent children

Optional add-on covers:

OPTIONAL COVER 1

Hospital Daily Cash: We shall pay a fixed amount of 1,000 (as per Silver option) for each and every completed day of hospitalisation, if such hospitalisation is at least for a minimum of 3 consecutive days and subject to a maximum of 30 consecutive days per policy year.

Convalescence Benefit: In the event that the insured hospitalised is for a minimum period of 10 consecutive days, due to any Injury or Illness as covered under the policy, we shall pay a benefit amount equal to the sum insured specified against this optional benefit.

OPTIONAL COVER 2

Personal Accident Cover: We will pay you/nominee a benefit amount equal to the sum insured specified against this optional benefit, upon the unfortunate event of Accidental Death or Permanent Total Disablement resulting from an accident.

Temporary Total Disablement (TTD) Rehabilitation Cover: We shall pay you a benefit amount as stated in policy schedule on a weekly basis up to a maximum of 10 weeks for rehabilitation upon the unfortunate event of Temporary Total Disablement resulting from an Accident.

Rehabilitation is a treatment or treatments designed to facilitate the process of 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.

Repatriation of Remains: We shall reimburse to the nominee/legal heir of the insured, upto the Sum Insured as specified against this optional cover, the costs of transporting the remains of the insured back to the place of residence or, up to an equivalent amount, for burial or cremation in the city where death has occurred.

OPTIONAL COVER 3

Critical Illness Cover: We shall pay a lump-sum amount upto the extent of cover opted on your first diagnosis of such Critical Illnesses, subject to your intimation of the same within 30 days of such diagnosis.

No claim will be payable under this cover if you are first diagnosed as suffering from any of these Critical Illnesses within 90 days of the start date of the first policy with us. This cover can be availed only once during your lifetime.

Once a claim becomes payable under any of the Critical Illness covered, the cover would terminate and this cover will not be offered on any subsequent renewal of policy.

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Your policy does not cover

Deductibles

We shall not be liable for the deductible amount as specified against the plan opted. We are not liable for any payment unless the hospitalisation medical expenses exceed the deductible. No deductible shall be applicable for optional covers.

Co-payment

We are not liable to pay 20% of admissible claim amount above the deductible applicable under the policy, for insured above 60 years of age. This does not apply if insured is 60 years of age or below. However, this condition will not be applicable if you were aged 45 years or below at the time of buying this policy first time and have renewed it continuously after that. No co-pay will be applicable for optional covers, if any.

First 30 days waiting period

Any diseases contracted and declared during first 30 days of period of insurance start date except those arising out of accidents. This exclusion shall cease to apply from first renewal of the policy with us. This will not be applicable if the insured person(s) is/are insured continuously and without interruption for at least 1 year under any other health insurance plan with an Indian non-life insurer as per guidelines on portability issued by the insurance regulator.

Pre-existing disease waiting period

Any pre-existing condition(s) declared by you and accepted by us, shall not be covered until 24 months of your continuous coverage, since inception of this policy.

First 2 year exclusions

For medical diseases/ conditions and treatment/procedure mentioned below, a waiting period of 2 years will be applicable unless required due to occurrence of cancer.

  • ENT: Sinusitis, deviated nasal septum
  • Gynaecological: Fibroids (fibromyoma), endometriosis, prolapsed uterus, polycystic ovarian disorder (PCOD)
  • Orthopaedic: Arthritis, gout and rheumatism, osteoarthritis and osteoporosis, spinal or vertebral disorders
  • Gastrointestinal: Calculus diseases of gall bladder including cholecystitis, esophageal varices, pancreatitis, fissure/fistula in anus, hemorrhoids, pilonidal sinus, piles, ulcer and erosion, gastro esophageal reflux disorder (GERD), perineal abscesses, perianal abscesses
  • Uro-genital: Calculus diseases of Urogenital system, for example: kidney stone, urinary bladder stone etc., benign enlargement of prostate, chronic kidney disease
  • Eye: Cataract
  • Other general conditions (Applicable to all organ systems/ organs/ disciplines whether or not described above): Internal tumors, cysts, nodules, polyps, skin tumors, lumps, all types of internal congenital anomalies/illnesses/defects

Permanent exclusions

  • Any illness/disease/injury pre-existing before the inception of the policy for the first 2 years. Such waiting period shall reduce if the insured has been covered under a similar policy before opting for this policy, subject however to portability regulations
  • Medical expenses incurred during the first 30 days of inception of the policy, except those arising out of accidents. This exclusion doesn’t apply for subsequent renewals without a break
  • Expenses attributable to self - inflicted injury (resulting from suicide, attempted suicide)
  • Injury or diseases directly or indirectly attributable to war, invasion, act of foreign enemy, war like operations
  • Expenses arising out of or attributable to alcohol or drug use / misuse / abuse
  • Cost of spectacles/contact lenses, dental treatment
  • Medical expenses incurred for treatment of AIDS
  • Treatment arising from or traceable to pregnancy (this exclusion does not apply to ectopic pregnancy proved by diagnostic means and is certified to be life threatening by the medical practitioner) and childbirth, miscarriage, abortion and its consequences congenital disease
  • Tests and treatment relating to infertility and in-vitro fertilisation

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Health Booster
IRDAI/HLT/ICICI/P-H/V.I/31/15-16
Misc 140

Check your eligibility for Health Booster

  • 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
  • If you want your child to be covered under the family floater, your child should be more than 3 months of age and in case you are buying an individual policy for your child, he or she should be more than 6 years of age
  • A policy bought to cover children aged between 3 months to 5 years, should necessarily cover at least one adult too
  • Children have to be more than 91 days old to be eligible for the policy
  • 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 centres
  • You can avail income tax benefits under Section 80D, only on policies bought for self, spouse, parents and dependent children

Explore our simple, hassle-free claims process

NOTE:

  • Cashless ​facility is only available at our cashless network hospitals
  • In case of ​planned ​hospitalisation, contact your service provider two days prior to admission
  • In case of ​emergency ​hospitalisation, contact your service provider within 24 hours of hospitalisation
  • For intimating the claim, please call our 24x7 toll free number 1800 2666 or SMS ‘HEALTHCLAIM’ to 575758 (charge – ₹ 3 per SMS) or email us at ihealthcare@icicilombard.com
  • Please send the relevant documents to: ICICI Lombard Health Care, ICICI Bank ​Tower, Plot No. 12, Financial District, Nanakramguda, Gachibowli, Hyderabad - 500 032

Standard Payments & Deductions

Payments include:

  • Accommodation ​charges - ​room ​rent (as per eligibility)
  • ICU ​charges (wherever applicable)
  • Treating​ doctor fees (e.g. - ​surgeon charges, ​visit fees, ​consultation fees, etc.)
  • Nursing ​charges
  • Anesthesia & ​anesthetist charges
  • Operation ​theatre charges (wherever applicable)
  • Investigation charges
  • Pharmacy bills
  • Consumables
  • Implant(s) charges (wherever applicable) – e.g. ​stents, ​lens, etc.

Deductions include:

  • Ambulance charges (unless specified in policy)
  • Administration charges
  • Admission / ​registration fees, ​file / ​records Management charges
  • Service / ​surcharges
  • Bed booking / ​reserving charges
  • Food & ​beverages
  • Soaps,toiletries & ​laundry
  • Patients’ ​attendant charges
  • Special ​nurse / ​attendant charges
  • Telephone / ​photocopy / ​courier / ​insurance ​processing ​fees, etc
  • FIR / MLC charges
  • Others (non-insurance, items not related to treatment)
  • All Items mentioned as exclusions in the policy

Claims Dos & Don'ts

Make sure to fill up the correct mobile number in the pre-authorisation form

Non-payable items and co-payment charges have to be borne by the insured

In case of cashless denial, the insured has to pay the hospitalisation expenses

In case of planned surgery, send the pre-authorisation form in advance(but not before 15 days from the admission date)

All claims to be submitted within 21 days from the Date of Discharge (DOD)

Post hospitalisation claims may be submitted within 81 (60 + 21) days from Date Of Discharge

Use the website to access the claims tracker, network hospital list, e-card and various other information and services

Do not refer network list of any other service provider

Do not submit the claim documents at any local ICICI Lombard office

Always keep a photocopy of the claim documents submitted to ICICI Lombard

All claim forms should be duly and completely filled

Status Descriptions

Claims may be Approved or Rejected or Queried:

Approved Cases - Settlement letter and the cheque in favour of the proposer is sent to the mailing address mentioning approved and disallowed amount and reasons.

Queried Cases - Query letter is sent to the insured requesting submission of additional documents/information. Two query reminders are also sent within a span of 15 days each; failure to revert within 45 days of initial query leads to closure of the claim. Closure of a claim is not equivalent to rejection. Closed cases may be reopened if adequate documents are provided.

Rejected Cases - Rejection letter is sent to the insured mentioning sufficient grounds as per the terms and conditions of the policy.

Required Documents

  • Duly filled claim form (signed by the insured and the treating doctor)
  • Discharge summary (with details of complaints and the treatment availed)
  • Final hospital bill (detailed breakup) along with interim bills
  • Payment receipts
  • Doctor’s consultation papers
  • All investigation reports (e.g. blood report, X-ray, sonography, MRI, etc.)
  • All pharmacy bills support​ed by doctor's prescriptions
  • Implant sticker / invoice, if used (e.g. Lens details in cataract case, stent details in angioplasty)
  • Medico legal certificate (MLC) and / or FIR for all accident cases
  • For miscellaneous charges - detailed bills with supporting prescription of the treating doctor
  • Copy of health card
  • Any other related documents

Note: All documents should be original

Required Documents

  • Duly filled ​claim form (signed by the ​insured and the treating doctor)
  • Discharge summary (with details of complaints ​and the treatment availed
  • Final ​hospital ​bill (detailed breakup) along with interim bills
  • Payment ​receipts
  • Doctor's consultation papers
  • All investigation reports (e.g. ​blood report, X-ray, Sonography, MRI, etc.)
  • All pharmacy bills support​ed ​by doctor's prescriptions
  • Implant sticker / invoice, if used (e.g. lens details in cataract case, stent details in angioplasty)
  • Medico ​legal ​certificate (MLC) and / or FIR for all accident cases
  • For miscellaneous charges - detailed bills with supporting prescription of the ​treating doctor
  • Copy of ​health card
  • Any other related documents

Note: All documents should be ​original

Status Descriptions

Claims may be Approved or Rejected or Queried:

Approved Cases - Settlement letter and the cheque in favour of the proposer is sent to the mailing address mentioning approved and disallowed amount and reasons.

Queried Cases - Query letter is sent to the insured requesting submission of additional documents/information. Two query reminders are also sent within a span of 15 days each; failure to revert within 45 days of initial query leads to closure of the claim. Closure of a claim is not equivalent to rejection. Closed cases may be reopened if adequate documents are provided.

Rejected Cases - Rejection letter is sent to the insured mentioning sufficient grounds as per the terms and conditions of the policy.

Claims Dos and Don'ts

  • Make sure to fill the correct mobile number in the pre-authorisation form
  • Non-payable items have to be borne by the insured
  • In case of cashless denial, the insured has to pay the hospitalisation expenses
  • In case of planned surgery, send the pre-authorisation form in advance(but not before 15 days from the admission date)
  • All claims to be submitted within 21 days from the date of discharge (DOD)
  • Post hospitalisation claims may be submitted within 81 (60 + 21) days from Date Of Discharge
  • Use the website to access the claims tracker, network hospital list, e-card and various other information and services
  • Do not refer network list of any other service provider
  • Do not submit the claim documents at any local ICICI Lombard GIC Ltd. office
  • Always keep a photocopy of the claim documents submitted to ICICI Lombard GIC Ltd.
  • All claim forms should be duly and completely filled

Standard Payments and Exclusions

Payments include:

  • Accommodation ​charges - ​room rent (as per eligibility)
  • ICU charges (wherever applicable)
  • Treating doctor fees (e.g. - ​surgeon charges, ​visit fees, consultation fees, etc.)
  • Nursing charges
  • Anesthesia and anesthetist charges
  • Operation theatre charges (wherever applicable)
  • Investigation charges
  • Pharmacy bills
  • Consumables
  • Implant(s) charges (wherever applicable) - e.g. ​stents, lens, etc.

Exclusions:

  • Ambulance charges (unless specified in policy)
  • Administration charges
  • Admission / ​registration fees, ​file / ​records management charges
  • Service / surcharges
  • Bed booking / reserving charges
  • Food and beverages
  • Soaps,​ toiletries and ​laundry
  • Patients’ attendant charges
  • Special ​nurse / attendant charges
  • Telephone / ​photocopy / ​courier / ​insurance ​processing fees, etc.
  • FIR / MLC charges
  • Others (non-insurance, items not related to treatment)
  • All Items mentioned as exclusions in the policy

Required Documents

  • Duly filled claim form (signed by the insured and the treating doctor)
  • Discharge summary (with details of complaints and the treatment availed
  • Final ​hospital bill (detailed break-up) along with interim bills
  • Payment receipts
  • Doctor’s consultation papers
  • All investigation reports (e.g. ​blood report, X-ray, sonography, MRI, etc.)
  • All pharmacy bills support​ed by doctor's prescriptions
  • Implant sticker / invoice, if used (e.g. lens details in cataract case, stent details in angioplasty)
  • Medico ​legal certificate (MLC) and / or FIR for all accident cases
  • For miscellaneous charges - detailed bills with supporting prescription of the treating doctor
  • Copy of health card
  • Any other related documents

Note: All documents should be original

Status Descriptions

Claims may be Approved or Rejected or Queried:

Approved Cases - Settlement letter and the cheque in favour of the proposer is sent to the mailing address mentioning approved and disallowed amount and reasons.

Queried Cases - Query letter is sent to the insured requesting submission of additional documents/information. Two query reminders are also sent within a span of 15 days each; failure to revert within 45 days of initial query leads to closure of the claim. Closure of a claim is not equivalent to rejection. Closed cases may be reopened if adequate documents are provided.

Rejected Cases - Rejection letter is sent to the insured mentioning sufficient grounds as per the terms and conditions of the policy. Note: All documents should be original

Claims Dos and Don'ts

  • Make sure to fill up the correct mobile number in pre-authorisation form
  • Non-payable items and co-payment charges have to be borne by the insured
  • In case of cashless denial, the insured has to pay the hospitalisation expenses
  • In case of planned surgery, send the pre-authorisation form in advance (but not before 15 days from the admission date)
  • All claims to be submitted within 21 days from the date of discharge (DOD)
  • Post-hospitalisation claims may be submitted within 81 (60 + 21) days from date of discharge
  • Use the website to access the claims tracker, network hospital list, e-card and various
  • other information and services
  • Do not refer network list of any other service provider
  • Do not submit the claim documents at any local ICICI Lombard office
  • Always keep a photocopy of the claim documents submitted to ICICI Lombard
  • All claim forms should be duly and completely filled

Standard Payments & Exclusions

Payments include:

  • Accommodation ​charges - ​room rent (as per eligibility)
  • ICU charges (wherever applicable)
  • Treating ​doctor fees (e.g. - ​surgeon charges, ​visit fees, consultation fees, etc.)
  • Nursing charges
  • Anesthesia and anesthetist charges
  • Operation theatre charges (wherever applicable)
  • Investigation charges
  • Pharmacy bills
  • Consumables
  • Implant(s) charges (wherever applicable) – e.g. ​stents, lens, etc.

Exclusions:

  • Ambulance charges (unless specified in the policy)
  • Administration charges
  • Admission / ​registration fees, ​file / ​records management charges
  • Service / surcharges
  • Bed booking / reserving charges
  • Food and beverages
  • Soaps, toiletries and laundry
  • Patients’ attendant charges
  • Special ​nurse / attendant charges
  • Telephone / ​photocopy / ​courier / ​insurance ​processing fees, etc.
  • FIR / MLC charges
  • Others (non-insurance, items not related to treatment)
  • All items mentioned as exclusions in the policy

Required Documents

  • Duly filled claim form (signed by the insured and the treating doctor)
  • Discharge summary (with details of complaints and the treatment availed
  • Final ​hospital bill (detailed breakup) along with interim bills
  • Payment receipts
  • Doctor’s consultation papers
  • All investigation reports (e.g. Blood report, X-ray, sonography, MRI, etc.)
  • All pharmacy bills support​ed by doctor's prescriptions
  • Implant sticker / invoice, if used (e.g. lens details in cataract case, stent details in angioplasty)
  • Medico ​legal certificate (MLC) and / or FIR for all accident cases
  • For miscellaneous charges - detailed bills with supporting prescription of the treating doctor
  • Copy of health card
  • Any other related documents

Note: All documents should be original

Status Descriptions

Claims may be Approved or Rejected or Queried:

Approved Cases - Settlement letter and the cheque in favour of the proposer is sent to the mailing address mentioning approved and disallowed amount and reasons.

Queried Cases - Query letter is sent to the insured requesting submission of additional documents/information. Two query reminders are also sent within a span of 15 days each; failure to revert within 45 days of initial query leads to closure of the claim. Closure of a claim is not equivalent to rejection. Closed cases may be reopened if adequate documents are provided.

Rejected Cases - Rejection letter is sent to the insured mentioning sufficient grounds as per the terms and conditions of the policy.

Claims Dos and Don'ts

  • Make sure to fill up the correct mobile number in the pre-authorisation form
  • Non-payable items have to be borne by the insured
  • In case of cashless denial, the insured has to pay the hospitalisation expenses
  • In case of planned surgery, send the pre-authorisation form in advance (but not before 15 days from the admission date)
  • All claims to be submitted within 21 days from the date of discharge (DOD)
  • Post hospitalisation claims may be submitted within 81 (60 + 21) days from date of discharge
  • Use the website to access the claims tracker, network hospital list, e-card and various other information and services
  • Do not refer network list of any other service provider
  • Do not submit the claim documents at any local ICICI Lombard GIC Ltd. office
  • Always keep a photocopy of the claim documents submitted to ICICI Lombard GIC Ltd.
  • All claim forms should be duly and completely filled

Standard Payments & Exclusions

Payments include:

  • Accommodation ​charges - ​room rent (as per eligibility)
  • ICU charges (wherever applicable)
  • Treating ​doctor fees (e.g. - ​surgeon charges, ​visit fees, consultation fees, etc.)
  • Nursing charges
  • Anesthesia & anesthetist charges
  • Operation theatre charges (wherever applicable)
  • Investigation charges
  • Pharmacy bills
  • Consumables
  • Implant(s) charges (wherever applicable) – e.g. ​stents, ​lens, etc.

Exclusions include:

  • Ambulance charges (unless specified in policy)
  • Administration charges
  • Admission / ​registration fees, ​file / ​records ​management charges
  • Service / ​surcharges
  • Bed booking / ​reserving charges
  • Food & ​beverages
  • Soaps,​toiletries & ​laundry
  • Patients’ ​attendant charges
  • Special ​nurse / ​attendant charges
  • Telephone / ​photocopy / ​courier / ​insurance ​processing ​fees, etc
  • FIR / MLC charges
  • Others (non-insurance, items not related to treatment)
  • All Items mentioned as exclusions in the policy

Get answers to common queries about Health Booster

  • GENERAL
  • COVER
  • PREMIUM
  • CLAIMS
  • POLICY

What do you understand by the term pre-existing disease?

Pre-existing Disease means any condition, ailment or injury or related condition(s) for which You had signs or symptoms, and/ or were diagnosed, and/ or received medical advice/ treatment, within 48 months prior to the first policy issued by the insurer.

What do you mean by co-payment?

Co-payment refers to the amount expected to be paid by you for medical services covered by the plan.

What do you mean by immediate relatives?

An immediate relative would mean your spouse, dependent children and dependent parents.

What tax benefit do I get for making premium payments?

The premium you pay for yourself, your spouse, your dependent children and dependent parents, up to the limit of Rs. 25,000 (Rs. 30,000 for those aged 60 years or more), excluding service tax and education cess, is eligible for deduction under section 80D. This deduction is eligible under the prevailing tax laws, which are subject to change as per change in tax laws.

What does my Health Booster policy cover?

Health Booster offers varying degrees of coverage. Please refer to the Key information sheet in this booklet to learn more about your policy coverage.

What is Deductible?

It is the amount over which Health Booster gets activated. Any claim under deductible amount will not be reimbursed under this policy. A deductible does not reduce the Sum Insured.

What is the difference between Top Up & Super Top Up?

For Top Up Plan, Deductible will apply for each and every hospitalization except for claims made for Any one illness. In case of an accident where more than one member of a family is hospitalized, deductible will apply on the aggregate claim amount.

For Super Top Up Plan, Deductible will apply on aggregate basis for all hospitalization expenses during the policy year. The deductible will apply on individual basis in case of individual policy and on floater basis in case of floater policy

What are the limits for Pre and Post Hospitalization Expenses?

IIt refers to the payment of the medical expenses incurred by you immediately 60 days before and 90 days after hospitalization.

What is Wellness Program?

Wellness Program intends to promote, incentivize and reward you for your healthy behavior through various wellness services. Also, undergoing various wellness activities makes you earn wellness points which will be tracked by us. You can later redeem these wellness points as per our redemption terms and conditions.

What all benefits do I get from wellness program?

Other than reward points that you can redeem, you will also be entitled for various wellness services like medical advice, dietician & nutritional counseling, free health check-ups, medical concierge services etc.

What do you mean by premium?

The amount paid to avail the covers in the policy is called premium.

Will the 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, the age of individual is checked. For floater policies, age of the senior most member is considered.
  • If, at the time of renewal, you upgrade your product to a higher sum insured, add on covers or make changes to the number of people covered, your premium will change.

How can I file a claim?

If you need to make a claim, you must intimate us in any of the following ways:

A) Call us at our 24*7 customer care toll free number 1800 2666

B) Text message HEALTHCLAIM to 575758 (charged at Rs. 3 per SMS)

C) Email us at ihealthcare@icicilombard.com

Do ensure that you intimate us of a planned hospitalization at least 48 hours before admission. In the case of an emergency, we must also be informed within 24 hours of admission. You can download claims forms from our website - www.icicilombard.com

How can I track my claim for current claim status details?

Once a claim is submitted, its status can be tracked on our website. You can log in to your personal section on our website - www.icicilombard.com - and check for the claim status.

How soon can I file a hospitalization claim on my policy?

A) There is a waiting period of 30 days from the start of the first time you buy the policy before which a claim cannot be made for any illness, except for hospitalization due to injury or accident.

B) Apart from this, there are some illnesses for which you cannot make a claim for the first 2 years (refer to Part 2 of the policy wordings for this list).

C) Additionally, in the case of claims relating to pre-existing illnesses, you cannot make a claim for first 2 years.

What is the difference between a cashless and a reimbursement claim?

Cashless and reimbursement are two different ways to settle a claim:



A) Cashless claim is a claim where we pay the agreed claim amount directly to the hospital. You need not to pay the hospital for the claim amount. You are required to inform us about the procedure or treatment and send us all the related paper work.

B) Reimbursement claim is a claim where you settle the bill with the hospital and then send us the relevant documents. We will reimburse you for the agreed claim amount.

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.

What is the procedure for increasing the Sum Insured (SI) at the time of renewing the policy?

Sum insured can be increased at the time of renewing the policy either online or by visiting our branch. It is important to note that fresh waiting period will be applicable to enhanced SI from the date of enhancement, but not to the base sum insured.

Can I add or remove family members from this policy?

Yes, you can add family members to your policy at any time by paying additional premium as applicable. However, removal can be done only at the time of renewal. The additions cannot increase the policy limit to more than 2 adults and 3 children. In the case of an individual policy, the insured cannot be replaced by any other person. Please note that fresh waiting period will be applicable to the person added.

I had not declared a pre-existing disease when I had bought the policy earlier. Can I do so now? What is the impact on my policy?

Any pre existing disease (PED) not declared at the time of policy inception will be considered as non disclosure of the material facts and may lead to policy cancellation. To avoid this, all material facts related to PEDs should be declared before the policy issuance. However, should you need to declare any PED after policy issuance, please visit our branch office. The acceptance of the PED will be subject to our underwriting guidelines.

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Reviews and Ratings

Average rating: 4.56 out of 5  |  121 reviews
Subhasis Samal | Oct 29, 2018
I would like to extend my thanks to the customer care executive from ICICI Lombard who explained the product to me. He has a very good understanding of the health booster policy. I appreciate the way he guided me throughout the process. Please keep up the good work.
Tulasidas Shanbhag | Oct 24, 2018
The customer service representative I spoke to was very helpful. She quickly solved all my queries and was very polite in her communication. She was also very patient. On the whole, it was a really nice experience.
Pradeep | Oct 20, 2018
I am very impressed by both the policy, with its super top-up feature, and the service I received. During the call, the customer care representative was calm and spoke well. For a few seconds, there was a little network trouble, but apart from that, the interaction was flawless.
Rafad Patankar | Oct 11, 2018
Health insurance is a serious subject, which is why I wanted to be 100% sure before purchasing it. When I contacted your company to learn more about it, I was pleasantly surprised. Not only did the agent explain everything clearly, but she also made it interesting. Great job.
Ragini Pandya | Nov 09, 2018
The insurance advisor I spoke with was absolutely to-the-point in his explanation, which saved a lot of my time. Initially, I was a bit confused, but with her guidance I was able to relax and make a decision, which has truly impacted my life in a positive way.
Read All Reviews

Listen to our customers

“My 2 year daughter was admitted in the hospital due to high fever and this was my first experience with ICICI Lombard claim and I have to te... ”

Joe Cherian - Regional Manager - Chennai

“Appreciate your quick response to my recent follow up for my insurance policy. I got my policy certificate within hours of the same day. ”

Haridas Fopalan - Senior Purchasing Officer Ali & Sons Contracting Co. LLC Abu Dhabi

“Good and timely response for claim settlement. Contrary to the agents who are behind the customer for policies and run away from responsibil... ”

Prafulla Sarode - CSA Elcom Innovations Pvt. Ltd. Faridabad

“No.1. General Insurance Company, which has no lengthy process to clear the claims. Hope it will continue for years & years. All the best. ”

Ajay Vrindavan Gupta - Operation Manager Seshaasai Business Forms Pvt. Ltd. Mumbai

“I like the customer friendly policies and the employee friendly environment”

M T Cosca - Education Promotion Services INCIDE Academy Nagercoil

“We have good experience up till now. Good feed back. ”

Kanu Parekh - Owner Yogi Plastics - Sangli

“Your service support and network is very good ”

Gaurang Desai - Manager manufacturing Tulip Group Goa

“I have been a customer of ICICI Lombard and very happy with the service provided and cashless hospitalisation with no worries and now I have... ”

Shamin Mohan - Proprietor Preciaso world of interiors Kochi

“Extremely pleased with ICICI Lombard and cannot thank the support staff enough for smooth cashless hospitalization of my son and subsequent ... ”

Satyanarayan Dash - Sr. Manager Zee Entertainment Enterprises Ltd Kolkata

“I have had one experience recently (January-February 2016) with ICICI Lombard. Based on this one experience my comment is as follows: Though... ”

Sudheer Mehta - Baroda

“I am associated with you since 4 years. During this period I did not face any problem. My policies are getting renewed immediately, the clai... ”

Jaweed Aslam Ahmed Shaikh - Technical Project Manager Mumbai

“Excellent service..strict timelines..flawless..I would never change my policy even if I have to pay a few extra bucks. Already referred to v... ”

Ravindra Choudhary - Sales Manager - American Express New Delhi

“Extremely happy. Very satisfied with your express settlement of claims. My experience with you is unique as compared with others. ... ”

Dilip V Bhide - Nagpur - Proposer

“You can say that I am big 'fan' of ICICI Bank. This is one of the main reasons I went to ICICI Lombard for my health insurance and 2-wheeler... ”

Pawan Kabra - IT Professional - Surat

“Thanks for the very quick and immediate settlement of my hospital expenses reimbursement claim on 17th Feb 2016, Even though it t... ”

R Krishnamoorthy - Bangalore - Retired Deputy General Manager, BSNL

“Good experience as positive and prompt response received. Expect to maintain and further improvement in meeting needs. ”

Ashish Roy Chowdhury - CEO Burnpur Cement Ltd Kolkata

“I renewed my health and motor policy on icicilombard.com and it was a seamless experience. On my previous policy, I had registered a claim l... ”

Belson Coutinho - Vice President - Jet Airways (India) Ltd - Mumbai

“It has been a great feeling to be a customer of ICICI Lombard. I have their complete health insurance policy and I am happy with it. This is... ”

Anshul Thakur - Manager Maruti Suzuki,Delhi

“I was looking for tax saving options a couple of weeks back and one of my friend suggested health insurance. Since I already have a health i... ”

Aditya Mishra – Lawyer Mumbai

“I found out about ICICI Lombard from my friend and looked up their website. I read about mediclaim policy and called them on 1800 2666 to kn... ”

Gaurav Yadav - Manager at TheBooks

“I landed on your website while researching for medical insurance and was impressed by the benefits of your health insurance. I called the ca... ”

Janmang Davda - Product Manager Mumbai

“I bought your health policy last year and it was good experience at that time. This year I raised a claim due to minor accident and your sta... ”

Abhishek Parikh - Co-founder at The Bundlers

“I was looking for a health insurance policy for my parents and took a quote on icicilombard.com. The team followed up with me regularly and ... ”

Raghav Grover - Manager – Client Solutions at Aspiring Minds Gurgaon

“One of my colleagues suggested that ICICI Lombard has a good policy when it comes to health/mediclaim insurance. I did my research and found... ”

Arnab Sinha - Manager at Bluestar

“The service from the call center and the team is praise worthy. They convinced me to go for health booster product so that I can increase my... ”

Sushant Kaw- Vice Chairperson at Gnaritas Fest

“I researched for a health insurance scheme on the internet and read about Complete Health Insurance offered by ICICI Lombard. The product fe... ”

Nikunj Gulati - Deputy Manager - Exide Life Insurance Mumbai

“The product complete health insurance is suitable for an individual like me who has just started working. I was satisfied with the inclusion... ”

Pushpendra Parashar - Relationship Manager HFFC Kolkata

“One of my friends introduced me to the concept of health insurance and I am glad he did as this one of the best investment I have made in my... ”

Pratul Mahajan - Take over Manager Club Mahindra Mumbai

“I am already a customer of ICICI Lombard for a long time. I have health, car and two wheeler insurance with them. Last year I had a baby gir... ”

Sandesh Jadhav -Marketing Manager -Mumbai

“ICICI Lombard has one of the best health policies available. I did a lot of comparison over the last year and found this to be the best one.... ”

Saurabh Vaity – Marketing Manager Ahmedabad

“I am satisfied with the plan I have taken from ICICI Lombard for my health insurance. It has covered my young family. The service is good an... ”

Hafiiz Shaikh – Mumbai

“I have just started working and read about tax planning. For my tax saving I decided to buy an ICICI Lombard health insurance policy. The bu... ”

Kamlendra Singh – Mumbai

“While researching for mediclaim policies online, I came across complete health insurance and health booster from ICICI Lombard. After going ... ”

Jai Dhonde – Gati Mumbai

“I was researching online for health insurance top up policy to increase sum assured for my existing policy which is through my firm. I read ... ”

Aman Sharma - Reliance Communications Mumbai

“Since I am newly married, I researched for a lot of health policies which would cover me and my husband. Spoke to the team at icicilombard.c... ”

Soniya Sanap - Senior Research Manager Kantar Worldpanel Mumbai

“I believe in natural treatment for diseases and illness and feel that anything can be cured using Ayurveda. It came as an instant delight wh... ”

Neha Patel - Associate Manager Nielsen Mumbai

“I had a great call with the team at Lombard on the toll free number. They explained all inclusions and exclusions of their health policy whi... ”

Pravin Kumbhar - Deputy Manager at Ashida Electronics Mumbai

“I have used ICICI bank site for online purchase of Health Insurance for my family. It was a nice experience and I enjoyed it. I could get de... ”

P.D. Kulkarni - Bank Manager - Mumbai

“I am happy with the services offered by ICICI Lombard General Insurance Company. I have medical policies from different companies for my fam... ”

Ashish Shah - Entrepreneur - Mumbai

“I am quite amazed to buy a policy from ICICI Lombard. There was no paperwork, no health check-up, no cheque payments, no reminder calls etc.... ”

Ajit Deshpande - Software Engineer - Pune

ICICI Lombard General Insurance Ltd. is one of the largest private sector general insurance company in India offering insurance coverage for motor, health, travel, home, student travel and more. Policies can be purchased and renewed online as well. Immediate issuance of policy copy online.

ICICI trade logo displayed above belongs to ICICI Bank and is used by ICICI Lombard GIC Ltd. under license and Lombard logo belongs to ICICI Lombard GIC Ltd assigned by Northbridge Financial Corporation solely for the territory of India. Insurance is the subject matter of the solicitation. The advertisement contains only an indication of cover offered. For more details on risk factors, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale. ICICI Lombard General Insurance Company Limited, ICICI Lombard House, 414, Veer Savarkar Marg, Near Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400025. Reg. No.115. Fax no - 022 61961323. CIN: L67200MH2000PLC129408.

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