Top-up Health Insurance: Health Booster Plan - ICICI Lombard
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What is ICICI Lombard Elevate policy

What is Activate Booster?

Activate Booster is a super top-up policy that can help you to boost the sum insured of your existing health insurance policy. It offers enhanced health coverage to protect you against any unforeseen medical emergencies - be it n accident, a major medical treatment or a critical illness. This super top-up policy offers maximum flexibility in terms of coverage as it allows you to increase your sum insured at an affordable cost. It also acts as a financial safety net when your base health insurance limit is exhausted. This makes it an ideal choice for those seeking comprehensive protection without high additional costs.

Unlike your base health insurance policy, a super top-up policy works on a deductible model. You pay a certain deductible amount before your Activate Booster coverage kicks in. This means that your base policy can manage the smaller medical expenses, while the super top-up policy can cover any amount that goes beyond the base sum insured.

Top reasons to buy Activate Booster

Affordable premium: It’s a win-win! You get additional coverage at a minimal cost compared to increasing your base policy coverage.

Maximum coverage: You get protection against rising medical costs, including hospitalisation, health check-up, modern treatments, and more.

Maximum flexibility: A wide range of basic and optional covers await you to ensure reliable and rounded protection.

Flexibility in sum insured: Enhance your sum insured based on your needs and budget.

Cashless everywhereQ: You can avail cashless treatment at any hospital of your choice, even if it’s not on our network list.

Tax benefitsV: The premium you pay for Activate Booster a super top-up policy can get you tax deduction under Section 80D of the Income Tax Act in India.

Who needs Elevate health plan

What’s included and what’s not?

  • Activate Booster - Inclusions
  • Activate Booster – Exclusions

Benefits Covered

  • In-patient treatment

  • Day care procedures/treatment

  • Technological advancements and treatments

  • Pre & post-hospitalisation medical expenses

  • In-patient AYUSH hospitalisation

  • Bariatric surgery cover

  • Domestic road ambulance

  • Donor expenses

  • Domiciliary hospitalisation

  • In-patient hospitalisation for surrogate mother

  • In-patient hospitalisation for oocyte donor

  • Waiver of deductible

  • Wellness program

Add On Benefits

  • Jumpstart

  • BeFit

  • Claim protector

  • Inflation protector

  • Domestic air ambulance cover

  • Durable medical equipment cover

  • Tele consultation(s)

  • Waiting period reduction option

  • Specific illness waiting period reduction option

Read more

Standard

  • Expenses related to pre-existing diseases within the waiting period. Coverage offered for a pre-existing disease, after the waiting period, is subject to the same being declared at the time of application and accepted by the insurer

  • If the sum insured is increased at renewal, waiting periods shall apply afresh to the enhanced sum insured

  • If the insured person is covered without any break as defined under portability or migration norms by IRDAI, then waiting period for the same would be reduced to the extent of prior coverage.

Specified Disease

  • Expenses related to specified disease for 24 months

  • If any of the specified disease/procedure falls under the waiting period specified for pre-existing diseases, then the longer of the two waiting periods shall apply

  • List of specific diseases/procedures

    • Any types of gastric or duodenal ulcers
    • Benign prostatic hypertrophy
    • All types of sinuses
    • Hemorrhoids
    • Dysfunctional uterine bleeding
    • Endometriosis
    • Stones in the urinary and biliary systems
    • Surgery on ears/tonsils/adenoids/ paranasal sinuses
    • Cataracts
    • Hernia of all types and Hydrocele
    • Fistulae in anus
    • Fissure in anus
    • Fibromyoma
    • Hysterectomy
    • Surgery for any skin ailment
    • Surgery on all internal or external tumours/ cysts/ nodules/polyps of any kind including breast lumps with exception of Malignancy
    • Dialysis required for chronic renal failure
    • Joint replacement surgeries unless necessitated by accident happening after the policy risk inception date
    • Dilatation and curettage
    • Varicose veins and varicose ulcers
    • Non infective arthritis and other form arthritiss
    • Gout and rheumatism
    • Prolapse inter vertebral disc and spinal diseases including spondylitis/spondylosis unless arising from accident
    Read more

Policy documents: Downloads

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Why should you purchase Activate Booster?

Activate Booster, our super top-up policy, can be a smart choice if you want to add an extra layer of protection against unexpected medical emergencies. Think: an enhanced sum insured over and above your base policy sum insured to ensure your family and you are protected. It helps cover high medical expenses that exceed the coverage limit of your base health insurance policy. This way, you can focus on recovery without worrying about financial strain.

  • Increased coverage for medical expenses: Medical inflation continues to rise and if bills go beyond your base sum insured, our super top-up coverage can help cover the costs without burdening you.

    Cost-effective: A top-up is comparatively more affordable than buying an additional health insurance policy with high coverage limit.

    Peace of mind: Knowing that you have a super top-up to back you up means that you’re better prepared for unforeseen medical emergencies. This thought can ensure peace of mind for you in times of stress.

Who needs Activate Booster?

  • People with existing health insurance policy: If your current health insurance policy doesn’t have sufficient sum insured.

    People with growing healthcare needs: As one ages or encounters pre-existing conditions, the possibility of medical expenses increases.

    People with dependent family members: If your health insurance policy covers your entire family, you may need additional coverage to deal with unexpected medical issues without burning a hole in your pocket.

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Why opt for a health cover with a
higher sum insured?

Medical inflation continues to rise, and as a result, the cost of healthcare, medical procedures/treatments, hospitalisation, and more, are becoming increasingly expensive. To ensure you are financially prepared to deal with such scenarios, you need a higher sum insured.

A higher sum insured can also ensure that you get access to good healthcare without worrying about affordability, and that you and your family don’t face a financial strain of heavy medical bills.

Frequently asked questions

How does deductible work in a super top-up policy?

The deductible amount applies on an aggregate basis for all hospitalisation expenses during the policy year. It is the amount that you must pay before the top-up coverage kicks in. The top-up coverage kicks in when the base policy coverage is exhausted.

Can I buy Activate Booster without an existing health insurance policy?

Yes, you can purchase the Activate Booster with or without an existing health insurance policy. It is also available as a standalone product, giving you the flexibility to choose it regardless of your current insurance status.

Are there any waiting periods applicable for claim?

Yes, depending on your health insurance policy, there may be waiting period applicable for certain types of diseases/claims. Read the policy documents carefully to know more.
Product Product Code UIN no.
Activate Booster 4226 ICIHLIP25046V012425

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