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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

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    Now reset your sum insured up to 100%


    Once in a policy year, your sum insured amount will be reset up to 100%

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    We guarantee on time claim service


    Get a quick response: for cashless claims in 4 hours and reimbursement claims in 14 days

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    Enjoy tax benefits


    Enjoy tax deduction benefits on the premium amount paid for you, spouse, dependent children

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    Get easy access to cashless medical care in your city


    Now get help when you need it most with our wide network of 4500+ hospitals across India

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    Flexible sum insured and deductibles


    Avail flexible deductible options and annual sum insured options ranging from ₹5 to ₹50 lakhs to suit your needs

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    Stay fit and get rewarded


    Get rewarded for your healthy habits by earning points through various wellness activities with our wellness programme

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    Get coverage for treatment at home


    Medical expenses incurred by you during your domiciliary hospitalisation or treatment at home shall be covered

5 Things to Look for in Your Health Top-Up Plans

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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:


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.


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.


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.

Your policy does not cover


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.


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

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

Cashless Claims

Reimbursement Claims

Other Third Party Administrator Claims – Cashless

Other Third Party Administrator Claims – Reimbursement

  • 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

    Get answers to common queries about Health Booster

    • COVER
    • CLAIMS
    • POLICY
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    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.

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    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.

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    What do you mean by immediate relatives?

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

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    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.

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    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.

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    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.

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    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

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    What are the limits for Pre and Post Hospitalization Expenses?

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

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    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.

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    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.

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    What do you mean by premium?

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

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    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.

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    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.

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    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.

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    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.

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    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.

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    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.

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    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.

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    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.

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    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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    “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... ”

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

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    “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.... ”

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    “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... ”

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

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    “Your service support and network is very good. Also, your disease covered is also reasonable. ”

    Gaurang Desai - Goa - Manager Manufacturing, Tulip group


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

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    Sr no. Hospital Name Address City State Contact No Latitude Longitude Operations
    ICICI Lombard General Insurance Company Ltd. is one of the largest private sector general insurance companies in India. We offer insurance coverage for motor, health, travel, home and others. Customers can buy or renew policies online with instant policy issuance.
    Trade logo displayed above belongs to ICICI Bank Ltd. and Northbridge Financial Corporation and is used by ICICI Lombard GIC Ltd. under license. 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: U67200MH2000PLC129408.
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