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*No medical tests will be required for insurance cover below the age of 56 years and sum insured up to ₹20 lakh. **As of FY 2020-21. ^Turnaround time of 60 minutes is from the time of receipt of complete documents, on best effort basis in Covid-19 times.


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Health Booster Policy

Top up Health Insurance

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 hospitalised, 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’s 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.

Anywhere Cashless HospitalisationQ

Enjoy the flexibility to select any hospital for you and your family's medical needs, without the concern of financial constraints. Access cashless hospitalization benefits not only at network hospitals but also at any nearby hospital of your choice. Gone are the days of searching for network hospitals or waiting for claim refunds. By availing cashless hospitalization benefits at any hospital, you can expedite the recovery process for yourself and your loved ones, free from the additional stress of managing hospital bills.

Health Booster Policy

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.


Cost effectiveness

A super top-up health insurance doesn’t cost as much as a basic plan with higher sum insured.


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.


Protection for savings

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

buy Health Booster Insurance online

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, starting from Rs. 132/monthR
  • Flexible deductible options (3/4/5 lakhs) to choose from
  • 10% & 12.5% discount on 2 year & 3 year policies, respectively
  • Cashless treatment at 9500+ Healthcare providersC 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?

Below are the detailed inclusions and exclusions of our top-up health insurance policy:

  • Inclusions
  • Exclusions
  • In-patient treatment

    Medical expenses you incur, if you’re hospitalised 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 hospitalisation. A list of these day care treatments is available here.
  • In-patient AYUSH treatment

    Hospitalisation expenses for Ayurveda, Unani, Siddha and Homeopathy (AYUSH) treatment, on reimbursement basis.
  • Donor expenses

    Hospitalisation expenses for undergoing an organ transplant surgery, up to sum insured.
  • Pre and post hospitalisation

    Your medical expenses up to 60 days before and up to 90 days after hospitalisation.
  • 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 hospitalisation

    Avail cashless hospitalisation at any of our 9500+ Healthcare providersC. A list of these providers/hospitals is available here.
  • Domiciliary hospitalisation cover

    Medical expenses during your domiciliary hospitalisation 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, incentivise and reward you for your healthy behaviour through various wellness services. You can earn reward points for fitness/wellness activities and redeem them for OPD expenses.
  • Treatments taken outside India
  • Alcohol or drug abuse
  • Suicide or self-inflicted injuries
  • Dental treatment (unless it’s due to an accident)
  • Hazardous sports, war, civil war or breach of law
  • Refractive error correction, hearing impairment correction
Note: This is an indicative list of the policy exclusions. Please refer to
the policy wordings for the complete list.

Policy documents: Health Booster policy wordings

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

Enhance your top-up health insurance with add-ons, available on additional premium.


Hospital Daily Cash

If you are hospitalised for 3 consecutive days or more, we pay a fixed allowance of ₹1,000/₹3,000 (as per plan opted) every day. Subject to a maximum of 30 consecutive days per policy year.


Convalescence Benefit

If you are hospitalised 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’s 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.

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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 centres.

FAQs related to Health Booster – Top up Health Insurance policy

  • General
  • Cover
  • Premium
  • Claims
  • Policy

Where can I find the list of network hospitals?

You can make use of our easy and convenient Find Network Hospital tool 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 9500+ Healthcare providersC, 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.

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 recognised 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 hospitalisation expenses?

It refers to the payment of the medical expenses you incur immediately 60 days before and 90 days after hospitalisation.

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. Read more here.

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.

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.

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 assesse, spouse, dependent children and parents (whether dependent or not):

Description Medical Insurance paid for self, spouse and dependent children (in ₹) Medical Insurance paid for parents (whether dependent or not) (in ₹) Total deduction under section 80D (in ₹)
All are under the age of 60 years ₹25,000 ₹25,000 ₹50,000
I. Assessee and family are under the age of 60 years II. Parents are above the age of 60 years ₹25,000 ₹50,000 ₹75,000
Assessee and parents have attained or are above the age of 60 years ₹50,000 ₹50,000 ₹1,00,000

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.

How can I file a health insurance claim?

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

Do inform us about a planned hospitalisation at least 48 hours before admission. In the case of an emergency, please inform us within 24 hours of admission.

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 here and check for the claim status.

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

A) There is a waiting period of 30 days from the start of the first time you buy the policy. In case of hospitalisation due to injury or accident, you will be covered from day 1.

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 the disclosed and accepted 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 (subject to approval) directly to the hospital. You need not pay the hospital for the claim amount. You need to inform us about the procedure or treatment and send us all the related paperwork.

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 as per the policy terms and conditions.

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

For a Top-Up Plan, a Deductible will apply for every hospitalisation except for claims made for any one illness. In case of an accident where more than one member of a family is hospitalised, deductible will apply on the aggregate claim amount.

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

Can I cancel my Health Booster policy and get a refund?

We provide a 15-day free look period for Health Booster. If you cancel the policy within this period, we will provide a full refund of your premium.

After the free look period, you may cancel this policy by giving us 15 days written notice by registered post, and then we shall refund premium on short term rates for the unexpired policy period.

Can the annual sum insured be increased?

Yes, you can increase your sum insured either online or at our branch (at the time of renewing the policy). This is, however, subject to the underwriters’ approval and subject to additional premium. Also, a fresh waiting period will apply to your enhanced limit from the effective date of such enhancement.

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, please declare all material facts related to PEDs before the policy issuance. However, should you need to declare any PED after policy issuance, please visit our branch. The acceptance of the PED will be subject to our underwriting guidelines.

What happens if I don’t renew my policy on time?

We provide a grace period of 30 days from the expiry of the policy. Beyond this period, you lose your renewal benefits, including additional sum insured and free health check-up coupons. You will have to apply for a fresh policy post the grace period.

Reviews and ratings

Product Product Code UIN no.
Health Booster 4140 ICIHLIP22100V032122

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