What is the Health Booster Policy?

Health is indeed a crucial asset as it directly impacts our overall well-being. When we have the assurance of good health, it allows us to lead a balanced and fulfilling life - both mentally and physically. This assurance often includes financial security for medical needs and can also provide tax benefits, contributing to a higher quality of life.

The ICICI Health Booster plan is an excellent addition to your insurance coverage as it provides a top-up for excess payments that may occur due to costs exceeding your current health insurance policy. Even if you do not have an existing health insurance policy, this super top-up cover allows you to increase your sum insured beyond the deductible chosen. It is a great way to enhance your overall financial protection in case of medical expenses.

ICICI Lombard Health Booster Policy Specifications

Feature	Details
Sum Insured Range	₹5 lakhs to ₹50 lakhs
Deductible Options	Flexible options are offered with amounts starting from 3 lakh rupees and going up to 5 lakh rupees
Coverage Type	Family coverage with options for both individuals and floaters
Renewability	The policy can be renewed for life
Policy Duration	Choose between 1/2/3-year options and enjoy discounts of 10% for 2 years and 12.5% for 3 years
Floater Coverage	Insures 2 adults and 3 children under one policy
Eligibility	Applicants must be at least 6 years old while children between 3 and 5 years can only be covered under the floater plan. There is no maximum age limit for enrolment
Pre-existing Conditions	The waiting period for coverage is adjusted based on time in the base policy after 2 years of continuous coverage
Tax Benefits	Premiums are tax deductible under Section 80D of the Income Tax Act of 1961
Cashless Hospitalization	Cashless hospitalization is available at network hospitals
Pre-policy Medical Checkup	No medical tests are needed for individuals below 46 years and the sum insured is up to 10 lakh rupees
Free Look Period	Cancellation is possible within 15 days by written notice
In-patient AYUSH Treatment	Coverage for AYUSH treatments in recognized facilities up to the sum insured amount
Domiciliary Hospitalization	Coverage for home hospitalization expenses up to the sum insured
Donor Expenses	Covers organ donor hospitalization costs during transplant surgery
Pre & Post Hospitalization	Medical expenses up to the sum insured are covered for 60 days before hospitalization and 90 days after hospitalization
Emergency Ambulance Cover	Pays for ambulance expenses up to 1% of the sum insured with a maximum limit set at 5,000 rupees
Reset Benefit	Deductibles of 3 lakh+ rupees can reset up to 100% of the sum insured once per year if insufficient due to prior claims
Covered Relationships	Immediate family members including self, spouse, dependent children, siblings, dependent parents, grandparents, grandchildren, in-laws and dependent siblings-in-law
Wellness Program	Participants earn wellness points from the provider for engaging in wellness services, promoting healthy behaviour

Coverage Benefits of the Health Booster Plan

The Health Booster policy from ICICI Lombard is designed to provide extensive coverage for hospitalization expenses, encompassing everything from room rent and ICU charges to nursing expenses and doctor’s fees. In addition, it also offers coverage for pre/post-hospitalization expenses, day-care procedures and ambulance charges, ensuring comprehensive support for all aspects of medical care.

Benefit	Details
Super Top-Up Coverage	Adds extra medical coverage when your health insurance is used up
Deductible Options	Flexible deductible choices of ₹3 lakh, ₹4 lakh or ₹5 lakh
Sum Insured	Up to ₹50 lakh
Restoration of the Sum Insured	Full reimbursement of the sum insured if exhausted by claims within the policy year, for unrelated illnesses
Annual Health Check-up	Free yearly health checks for the insured members
Cumulative Bonus	10% bonus for each claim-free year up to a maximum of 50%
Wellness Program	Access to disease management services, medical concierge services and rewards for healthy habits
Cashless Hospitalization	Over 7500 network hospitals in India offer cashless treatment
Tax Benefits	Premiums are tax deductible under Section 80D of the Income Tax Act
Lifetime Renewability	The policy can be renewed for life with no age limit
AYUSH Treatment	Covers AYUHS treatment expenses at government hospitals and recognized institutions