Top-up Health Insurance: Health Booster Plan

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What is Activate Booster?

Activate Booster is a super top-up policy that can help boost the sum insured of your existing health insurance policy. This super top-up policy offers enhanced health coverage to protect you against any unforeseen medical emergencies. It offers maximum flexibility in terms of covers, and allows you to increase your sum insured at an affordable cost. Whether you need coverage for an accident, a major medical treatment or a critical illness, Activate Booster ensures you are financially prepared to face the unforeseen, while keeping your premium manageable.

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

Tax benefits^V: 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.

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

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
Read more

Policy documents: Downloads

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 for your health 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.

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.

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.

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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?

No, Activate Booster is a super top-up policy to complement your existing health insurance policy. It additional enhanced sum insured to you in times of need. You must buy a base policy before you can add this super top-up.

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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