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Health Booster

At ICICI Lombard, we believe that health insurance is not just a matter of saving tax or getting the protection you need. It can be so much more. It’s about partnering with you to find precisely what works for you based on your needs and then going the extra mile to deliver more than what we promise. We go about finding a policy that truly caters to your needs, based on multiple factors, some of which can be customised as per your needs. Once selected, a single policy will provide a health cover that fits you and your family like a glove.Read More

With countless features and benefits, we’re redefining the way you stay protected Your health insurance cover just gets bigger with Health Booster. A super top-up Health Insurance cover takes care of excess payment that may arise due to inadequate cover from your existing Health insurance policy. What’s more, even if you don’t have any existing Health Insurance policy, you can still opt for super top-up cover and get the sum insured beyond the deductible chosen.Read Less



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    Health Booster

    • In Patient Treatment: Medical expenses incurred, for hospitalization more than 24 consecutive hours.
    • Pre Hospitalisation: Medical expenses incurred 60 days before hospitalisation will be covered
    • Post Hospitalisation: Medical expenses incurred 90 days after hospitalisation will be covered
    • Daycare Procedures and Treatment: Medical expenses incurred while undergoing 150 Day Care Procedures are covered
    • PED waiting period (Declared & Accepted): Covered immediately after 2 years of continuous coverage under the policy
    • In Patient AYUSH hospitalisation: Hospitalisation expenses for Ayurveda, Unani, Siddha and Homeopathy (AYUSH) treatment, on reimbursement basis.
    • Donor Expenses: Medical Expenses incurred by organ donor, on organ being donated to the insured.
    • Reset benefit: Reset up to 100% of the cover amount once in a policy year, if insufficient because of previous claims in that policy year.
    • Domiciliary hospitalisation: Coverage for medical expenses when the Insured cannot be moved to a hospital or if rooms in the hospital are unavailable.
    • Additional Sum Insured (ASI): 10% of Annual Sum Insured provided as ASI upon renewal every claim free year up to a maximum of 50%. In case of a claim, accumulated ASI is reduced by 10% of the Annual Sum Insured in the following year.
    • Road Ambulance: Cover up to 1% of Sum Insured maximum up to Rs.5,000 per hospitalisation
    • Health Check-up:  Free Health Check-up coupon for each Insured every policy year, up to 2 coupons per year for floater policies.
    • Wellness Program: Wellness points accrued can be redeemed against out-patient medical expenses

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    • Below add ons are available at a nominal extra cost
    • Hospital Daily Cash: Fixed amount payable for every completed day of hospitalisation, for hospitalisation of minimum 3 consecutive days up to maximum of 30 consecutive days.
    • Convalescence Benefit: Fixed amount payable once during the policy period in case of hospitalisation, for 10 consecutive days
    • Critical Illness7: Fixed amount is paid up, on the diagnosis of specified Critical Illnesses
    • Personal Accident Cover6,7: Fixed amount is paid, upon the unfortunate event of Accidental Death or Permanent Total Disablement resulting from an accident
    • Temporary Total Disablement (TTD) Rehabilitation Cover - Benefit amount is paid on a weekly basis up to 10 weeks for rehabilitation upon temporary total disablement resulting from an Accident
    • Repatriation of Remains – Reimbursement of fixed amount payable for the costs of transporting the remains of the insured back to the place of residence



  • The minimum entry age for the customer to receive the policy is 6 years and there is no restriction on maximum entry age. Children between 3 months to 5 years can be insured under floater plan only.


  • For transaction on net banking – no documentation
  • For transaction on Mobile App– no documentation

For paper based transactions

  • Health Insurance Proposal form
  • KYC Documents :ID Proof & address proof(PAN & Aadhar)

Know More for Claims and Exclusion

Bajaj Allianz life Smart Protect Goal


1Tax deductions under Section 80D is as per applicable provision of the Act (including any amendments thereto) and are subject to changes in the tax laws.
2Factors determining the renewal premium are (i) age slab of the senior most insured member at the time of renewal (ii) any change in the renewing policy.
3Only when it has been undergone in an AYUSH hospital or in AYUSH Day Care Center on Re - imbursement basis.
6This cover can be availed only once during your lifetime. Once a claim becomes payable under this cover, no benefit will be provided under the same thereafter.
7Critical Illness and Personal Accident available only for adults, subject to maximum of 2 Adults only up to 60 years of age.
8Disclaimer: Cashless approval is subject to pre-authorisation by the company. Only expenses relating to hospitalisation will be reimbursed as per the policy coverage. Non-medical expenses will not be reimbursed.
10Following is an indicative list of the policy exclusions. Please refer to the policy clause for the complete list. #as on 31st July 2020Read More

IDFC FIRST Bank Limited ("Bank") with registered office at KRM Tower, 8th Floor, No.1, Harrington Road, Chetpet, Chennai- 600031 is licensed as a corporate agent of ICICI Lombard General Insurance Company Limited under license no.CA0106 issued by Insurance Regulatory & Development Authority of India and does not underwrite the risk or acts as an insurer. This policy is issued to you by ICICI Lombard and is subject to the terms and conditions governing such policy. The contract of insurance is between ICICI Lombard and the insured only, and not between IDFC FIRST Bank and the insured. Bank’s customer participation in the policy is entirely voluntary.

This is only an indication of the cover offered. For complete details on risk factors, terms, conditions, coverages and exclusions, please read the sales brochure carefully before concluding a sale. ICICI trade logo displayed above belongs to ICICI Bank and is used by ICICI Lombard GIC Ltd. under license and Lombard logo belongs to ICICI Lombard GIC Ltd. ICICI Lombard General Insurance Company Limited, ICICI Lombard House, 414, Veer Savarkar Marg, Prabhadevi, Mumbai – 400025. . IRDA Reg.No.115. Toll Free 1800 2666. Fax No – 022 61961323. CIN (L67200MH2000PLC129408). customersupport@iciclombard.com. www.icicilombard.com. Health Booster. Misc 140. UIN ICIHLIP22100V032122Read Less


1. What do you mean by waiting period?

The duration only after which a claim can be made is called the waiting period. 

2. What do you mean by period of the policy?

Policy Period is the period for which the policy is valid.

3. What do you mean by Co-payment?

Co-Payment is a cost-sharing requirement under a health insurance Policy that provides that the policyholder/ insured will bear a specified percentage of the admissible claim amount. A co-payment does not reduce the Sum Insured.

4. What do you mean by Immediate Relatives?

Immediate Relative would mean the insured's spouse, dependent children & dependent parents

5. What do you mean by Permanent Exclusion?

The disease under Permanent Exclusions will not be covered in the Health Insurance plan.

6. What is the difference between individual and Floater options?

Individual plan has to be separate for every individual. Floater covers all in family ( max 2 Adults and 3 Children) and provides one sum insured to all, hence, there is saving of premium

7. What should I do If I want to insure more than 2 adults or 3 children?

If the number of adults or number of children are more than 2+3, you need to buy an additional policy for the additional members. There can be a maximum of 2 adults and 3 children in a policy

8. What do you mean by the floater option?

In a floater option, a single policy under one Sum Insured covers all in the family.
For e.g., 2 adults, 2 adults and 1 child, 1 adult and 2 children, 2 adults and 3 children, 1 adult and 2 children, 1 adult and 1 child. The Sum Insured can be used by anyone in the family or all covered in the policy multiple times till the time the limit is exhausted.

9. Who is included under the category 'children'?

An individual between 3 months - 20 years, come under the category 'children'.

10. What is annual sum insured?

Annual sum insured denotes maximum amount of cover available during each policy year of the policy period. It includes your base sum insured and additional sum insured.

11. What do you mean by entry age and exit age?

The age eligibility for taking the policy is the entry age and the age after which you cannot take or renew the policy is the exit age.

12. What is the minimum entry age for this policy? What is the exit age for this policy?

Minimum entry age is 6 years for individual plan and 3 months for floater plan. There is no maximum exit age for this policy.

13. What is the difference between date of joining and policy start date?

For a first-time policy, the policy start date and date of joining are the same. Only at the time of renewal, will the policy start date and date of joining differ. Date of joining is the date of inception of the first policy with us while the policy start date is the date from which your renewed policy starts. For​ fresh policy, policy start date will be the cheque date or documents inward date, whichever is later. For a renew​ed policy, policy start date will be the cheque date or documents inward date or renew​al date whichever is later.

14. What do you mean by mandatory cover and optional cover?

Mandatory covers come inbuilt in the plan and ​you do not have the option to exclude them from the plan. Optional covers come as add-ons in the plan and ​you have the option to include them in the plan by paying additional premium.

15. Is a medical underwriting (tele-underwriting/ medical test) mandatory for everyone? Where can the medical tests be conducted?

Medical underwriting is required for any insured member who is more than 45 years of age or has sum insured more than ₹10 lakhs or both. The medical tests can be conducted at any designated cent​res identified by ICICI Lombard.

16. What tax benefit do I get for making premium payments?

The premium you pay for yourself, your spouse, your dependent children and dependent parents, up to the limit of Rs. 25,000 (Rs. 50,000 for those aged 60 years or more), excluding service tax and education cess, is eligible for deduction under section 80D of Income tax Act and amendments made thereto. This deduction is eligible under the prevailing tax laws, which are subject to change as per change in tax laws.

17. Is the claim amount subject to tax?

No, the claim amount you receive under your health policy is not subject to tax.

18. What do you understand by the term pre-existing disease?

Pre-existing Disease 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.

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