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Imp: All hospitalisation expenses related to COVID-19 covered. Please refer to the FAQ section below.
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7 reasons to buy ICICI Lombard Health Booster

  • 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

  • Get easy access to cashless medical care in your city

    Now get help when you need it most with our wide network of 5025+ 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

FAQs in relation to COVID-19 cover under retail Health Insurance policies

Will my existing health insurance policy cover hospitalization expenses on account of COVID-19?

Yes, hospitalization expenses on account of COVID-19 will be covered under the policy in accordance with the policy terms and conditions.

How can I intimate my claim after hospitalization?

Claim intimation can be done online on IL Health Care or using our mobile app, IL Take Care. Scanned copies or photographs of all claim related documents can be uploaded in the app.

Further, the Insured is required to furnish/courier hard copies of all requisite claim documents at his/ her own expense to the below mentioned address:

ICICI Lombard Healthcare,
ICICI Bank Towers,
Plot No. 12, Financial district,
Nanakramguda, Gachibowli,
Hyderabad- 500032

Are any waiting periods applicable to claims under COVID-19?

In case your policy has an Outpatient Treatment Cover, then waiting periods are not applicable. A claim under Outpatient Treatment Cover can be made in accordance with the claims procedure mentioned in the policy wordings.

In case of hospitalization on account of COVID-19, the hospitalization expenses incurred will be covered provided the illness is contracted after completion of 15 days in case of a fresh policy. In case of a policy that has been renewed continuously without a break or in case of policies that have been ported in to ICICI Lombard, the 15 day condition will not be applicable.

Will I be allowed to enhance my sum insured?

Sum insured enhancement will be allowed based on medical assessment in accordance with the underwriting guidelines. However, such sum insured enhancement will be done only at the time of renewal.

Will the expenses towards COVID-19 vaccination be covered in case such vaccine is manufactured?

The expenses towards vaccination will be covered in case the policy has Outpatient Treatment Cover.

Are the expenses on medicines and diagnostic tests incurred during medically advised home isolation due to COVID-19 covered?

In case your policy has an Outpatient Treatment Cover, then these expenses will be covered in accordance with the policy terms and conditions.

Will the policy cover expenses due to quarantine?

In case the quarantine is in a hospital on the advice of a Medical Practitioner, then the medical expenses incurred will be covered in accordance with the policy terms and conditions. However, expenses incurred on account of self-quarantine or quarantine at home will not be covered.

Will the policy cover hospitalization in a country other than India?

No. The geographical scope of the policy is limited to India.

Will my travel history abroad affect the admissibility of claim under the policy?

So long as the hospitalization is in India, the travel history will not affect the admissibility of claim under the policy.

What are the expenses incurred for COVID-19 that will not be covered under my policy?

The non-payable expenses as listed by IRDAI will not be covered under your policy.

Will my family members be covered for expenses on account of COVID-19?

Yes, provided that they are covered under ICICI Lombard Health Insurance policy.

Are the consultations with a Medical Practitioner and diagnostic tests in relation to COVID-19 covered under my Health Insurance policy?

In case your policy has an Outpatient Treatment Cover, then all consultations with a Medical Practitioner and diagnostic tests as advised by a Medical Practitioner are covered. A claim under Outpatient Treatment Cover can be made in accordance with the claims procedure mentioned in the policy wordings.

Further, in case there is hospitalization on account of COVID-19 and the same has been paid under the policy, then all expenses related to COVID-19 incurred on account of consultations with a Medical Practitioner and diagnostic tests as advised by a Medical Practitioner in the 30 day period prior to date of admission and 60 day period after date of discharge will be covered in accordance with the policy terms and conditions.

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.

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.

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

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