ICICI Lombard Health Booster Super Top Up

Product Overview

ICICI Lombard Health Booster Super Top up plan is an affordable option of upgrading your policy. A super top-up Policy takes into consideration the sum total of all the bills in a year and not just the single instance during a claim and its is an inpatient hospitalization policy, admission as an inpatient for a minimum period of 24hrs is required.

Unique Features - ICICI Lombard Health Booster Super Top Up

• Pre-Existing diseases covered after 2 years.
• Every year health check-up available.
• Pre and Post hospitalisation 60 days and 90 days.

Critical Features - ICICI Lombard Health Care Plus Top up

• Room Rent
  Limits imposed towards room and ICU rent expenses
  No Room Rent Limit
• Co-Pay
  Specific % of admissible claim amount to be borne by Insured
  This plan has 20 % co-payment above age 60 years(Not Applicable for Add-on cover).
• No Claim Bonus
  This Plan has 10% to 50% on claim free years.
• Pre- Existing Diseases
  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
  This plans has a waiting period of 2 years is case of pre-existing diseases

Eligibility Criteria

Deductible Amount	Sum insured
2 lakh	5 lakhs
3 lakhs	8 lakhs
4 lakhs	10 lakhs

Add Ons

• Hospital Daily Cash
• Convalescence Benefit
• Temporary Total Disablement (TTD) Rehabilitation Cover
• Personal Accident
• Repatriation of Remains
• Critical Illness

Additional Discounts

• 10 % Discount on premium if insured person is opting for a 2 yrs policy & 3 yrs 12.5 %

Waiting Period

• Covered from Day 1:
  Accidental Injuries.
• Covered after 30 Days:
  All incidences apart from specified surgeries & Pre existing diseases (if any)
• Covered after 2 Years:
  Cataract, Benign Prostatic Hypertrophy, Myomectomy, Endometriosis, Hysterectomy unless because of malignancy, All types of Hernia, Hydrocele, Fissures and / or Fistula in anus, Hemorrhoids / Piles, Arthritis, Gout, Rheumatism and Spinal disorders, Joint replacements unless due to accident, Sinusitis and related disorders, Stones in the urinary and biliary systems, Dilatation and Curettages, All types of skin and internal tumours/Cysts/Nodules/Polyps of any kind including breast lumps unless malignant, Dialysis required for chronic renal failure, Surgery on Tonsils, Adenoids and Sinuses, Gastric and Duodenal ulcers, Deviated nasal septum.

Exclusions

• Any Insured Person committing or attempting to commit a breach of law with criminal intent, or intentional self injury or attempted suicide while sane or insane.
• Any Insured Person’s participation or involvement in naval, military or air force operation, racing, diving, aviation, scuba diving, parachuting, hanggliding, rock or mountain climbing.
• Treatment of Obesity and any weight control program.
• Venereal disease, sexually transmitted disease or Illness; Psychiatric, mental disorders, Pregnancy (including voluntary termination), miscarriage (except as a result of an Accident or Illness) .
• Dental treatment and surgery of any kind, unless requiring Hospitalisation.
• Experimental, investigational or unproven treatment, devices and pharmacological regimens

Tax Benefits

• You can claim tax deduction benefit u/s 80D as per IT Act 1961 for premium paid towards this policy.
• Self, Spouse, Childrens- Up to Rs 20,000/-
• Parents-Up to Rs 25,000/-
• Parents (Senior Citizens)-Up to Rs 30,000/-

Claim Process

Insurer has to be intimated 48 hrs before hospitalization in a planned event and within 24 hrs in case of an emergency hospitalization. For reimbursement claims the final claim documents have to reach the insurers office within 90 days of discharge from the hospital.

Claims Intimate at toll free- 1800 209 8888 & Email Id- ihealthcare@icicilombard.com

Know More