Activate Booster ICICI Lombard General Insurance

At every phase of our lives, we always want the best for ourselves and our loved ones. But have you ever wondered about health insurance? Now, you might wonder how health insurance came into play. Well, it always has been a part of supporting yourself and your loved ones. Your kids, your family, and the people you love deserve the best care, not the stress, financial burden, and long hospital queues. Having health insurance isn't simply completing some paperwork. Instead, it is about protection. It ensures to be your financial bridge when dealing with a medical emergency.

However, it is equally important to check if your health insurance is flexible enough. Here comes ICICI Lombard Activate Booster. With this super top-up health insurance plan, you ensure you do not worry about your base policy even under skyrocketing medical bills. It is designed with maximum coverage and flexibility in mind. This ensures you receive coverage tailored to your needs and lifestyle.

To learn more about Family Floater Plans, click here.

Highlights of ICICI Lombard General Insurance Company Limited

Network of 9,500 + Cashless Hospitals with 10,200 healthcare providers

Claim Settlement Ratio 97.16%, for the Financial Year 2023-2024

Average Turnaround Time for Cashless Treatment Approvals: 60 minutes

Partner Branches: 300+ branch locations.

Top Health Insurance Plans by ICICI Lombard General Insurance

Compare Top Health Plans from ICICI Lombard General Insurance

	Golden Shield Plan	Health Advantage Plan	Health Elevate
Features
PED coverage
Wellness Program
Health Check-up
Domestic Air Ambulance
Domiciliary Hospitalization
Lifelong Renewability
AYUSH
Day Care Treatment

PED coverage

Features
Wellness Program
Health Check-up
Domestic Air Ambulance
Domiciliary Hospitalization
Lifelong Renewability
AYUSH
Day Care Treatment

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Awards and accolades won by ICICI Lombard Health Insurance Company

Key Highlights of ICICI Lombard Health Insurance

Features of ICICI Lombard Health Insurance

Exclusions in ICICI Lombard Health Insurance

Health Insurance plans offered by ICICI Lombard

Eligibility conditions

The process of renewing ICICI Lombard Health Insurance Policy

Review of ICICI Lombard Health Insurance Company

Awards and accolades won by ICICI Lombard General Insurance Company

With a customer-centric approach, ICICI Lombard Health Insurance Company safeguards policyholders and their family members against an unexpected medical emergency. Here are some achievements you should know to make an informed decision:

Conferred with the Best Customer Service Initiative in 2024.

Awarded with the Claims Initiative of the Year-India in 2024.

Received the Golden Peacock Award for Business Excellence in 2016.

Received the Claim Service Leader Award in 2016.

Key Highlights of ICICI Lombard General Insurance

Here are some of the key highlights of the company -

Key Features	Specifications
Network Hospitals Available	9500+
Waiting Period (Pre-existing Ailments)	2-4 years
Claims Settlement Ratio	97.16%
Policies Issued	42,34,760
Covid-19 cover	Provided
Renewability	Lifelong
Gross Written Premium (including Diverse Products)	INR 282.58 billion
Claims Settled	52,000 claims settled with AI approvals (FY 2020-21)

Features of ICICI Lombard General Insurance

Below are some features available under ICICI Lombard Health Insurance policies –

Features	Meaning
OPD Cover	ICICI Lombard’s health policies cover the expenses of all minor and major health issues.
Covers In-Patient Hospitalisation Expenses	The health policies of ICICI Lombard cover in-patient hospitalization for insured who are hospitalized for 24 hours or more.
Pre-hospitalization cover	This is the cost of treatment that the insured has to incur before getting admitted to the hospital. ICICI Lombard covers the maximum days of pre-hospitalization under this benefit
Post-hospitalization cover	Post-hospitalization costs are the medical expenses that the insured incurs after getting discharged from the hospital for a specific number of days. ICICI Lombard health plans allow maximum post-hospitalization coverage
Day-care cover	Day-care procedures are medical treatments that do not need 24-hour hospitalization. Such treatments are called daycare treatments and they are covered under the scope of ICICI Lombard health insurance plans
Ambulance cover	Ambulance services to reach the hospital to admit the insured is covered up to specified limits. Many ICICI Lombard covers domestic ambulance cover for both road and air ambulances.
Domiciliary cover	Domiciliary treatment is when the insured patient receives treatment at home due to the non-availability of hospital beds or for other genuine reasons. Such hospitalization is covered under most of the ICICI Lombard health plans
Organ donor cover	If the insured requires a donor to donate an organ to save his/her life, the cost of harvesting the organ for surgery is covered under ICICI Lombard health plans. So, the costs incurred on the hospitalization of the donor donating an organ to the insured are covered under this feature
Free health check-ups	Many ICICI Lombard health plans offer free health check-ups regularly to monitor the health of the insured

Exclusions in ICICI Lombard General Insurance

Like every health insurance company, ICICI Lombard also has a list of exclusions that won’t be covered. It is possible to find the exact exclusion list in the policy wordings. Nevertheless, some common exclusions include the following:

Pre-existing conditions have a specific waiting period. These illnesses are covered after the waiting period is over.

Pregnancy and maternity-related treatments are excluded unless they are covered under the policy

Cosmetic or medically unnecessary treatments are excluded.
Unproven medical treatments are not covered.

Claims due to war, civil commotion, nuclear perils, etc. are excluded.

HIV, AIDS or STDs are not covered.

OPD expenses are not covered unless otherwise stated

Health Insurance plans offered by ICICI Lombard

Here are some of the top ICICI Lombard Health Insurance Plans:

1. ICICI Complete Health Insurance

Sum Assured – 3 lakh – 50 lakh rupees
Entry Age – 3 months (Min.), No limit (Max.)
Critical Illness – Offer coverage to 15 critical diseases.

Coverage and Benefits –

Up to 1500 rupees ambulance charges covered.
Pre-hospitalization costs up to 30 days and post-hospitalization costs up to 60 days covered.
Waiting period for pre-existing diseases between 2 to 4 years. \
Organ donor costs covered.
In-patient hospitalization.
Health check-up.
Wellness program coverage.

2. ICICI Health Care Plus

Entry Age – 18 to 65 years

Coverage and Benefits

Inpatient hospitalization costs as per chosen sum assured
Room rent
Doctors fees
Surgeons fee
Medicines,
equipment, and diagnostic costs
4 years waiting period for pre-existing diseases

3. ICICI Lombard Arogya Sanjeevani Policy

This health plan offers affordable health coverage options with sufficient protection.

Sum Assured – 1 lakh to 5 lakh rupees
Entry Age – 3 months to 65 years
Waiting period – 4 Years

Coverage and Benefits

In-patient hospitalization costs
Pre, post-hospitalization charges
Cataract treatment coverage
AYUSH treatment coverage

4. ICICI Lombard Health Booster Policy

This ICICI Lombard insurance is a super top-up plan that is available as individual and family floater.

Sum Assured – Between 5 lakh to 50 lakh rupees
Entry Age – 3 months
Critical Illness – Cover for adults up to 60 years
Policy Term – 1, 2, 3 years

Coverage and Benefits

Domiciliary hospitalization coverage
Pre and post hospitalization costs
Daycare treatment coverage
In-patient hospitalization costs covered
Road ambulance costs cover
Add-on coverage available such as personal accident cover, daily cash allowance at hospital, restoration benefit, cover for critical illness up to 60 years.

Eligibility conditions

Minimum entry age	18 - 21 years for adults and 91 days for children
Maximum entry age	75 years for adults and 20 years for children
Sum insured	INR 1 lakh – INR 1 Crore
Policy term	1 year – 2 years
Number of family members covered	Self, spouse, up to 2 dependent children, dependent parents, dependent siblings
Renewability	Lifetime renewability
Waiting period (Initial waiting period	30 days
Waiting period (PED)	12 -24 months

How to buy ICICI Lombard General Insurance Plan?

Go to the official portal of ICICI Lombard Health Insurance. Go to “Health”. Choose a preferred plan according to your requirements. Answer a few questions about the policy seeker and submit to get quote.

Or visit the Paybima portal and select Health Insurance from the options available.

Visit the Paybima homepage and click on the ‘Health Insurance’ tab in the dropdown menu.

Fill in your required details and request a callback.

A Paybima representative will help you buy the most suitable plan.

You may also reach us at 1800 267 67 67 from 10 AM to 7 PM, or

You can visit a Paybima branch near you.

The process of renewing ICICI Lombard General Insurance Policy

Below are the steps for the ICICI Lombard health insurance renewal process:

Go to the renewal section of the insurance company’s website.

Fill in your policy details –

~ Policy number,
~ Email ID,
~ Date of birth,
~ Registered mobile number etc.

Once you submit the details, you will get to know the premium amount of the policy.
You can click on the button to Proceed.
Make the payment through online banking.
Now select the next button to renew the policy and check the ICICI Lombard policy status.

How to File a ICICI Lombard General Insurance Claim?

To file a claim for ICICI health insurance it is required to first register a claim with the applicant. Below are the steps to file for a ICICI Lombard health claim:

For planned hospitalization the insured should inform the insurance company two days in advance of getting admitted in the hospital.

For sudden hospitalizations, the insured should inform the insurance company within 24 hours of getting admitted in the hospital.

Also, the insured can call at the insurer’s toll-free number and intimate the health insurance provider.

The insured can also email the insurer at [email protected] to ensure the ICICI Lombard health insurance claim status.

Finally, to know ICICI Lombard claim status the insured can also contact the head office of the company with the relevant documents located at: ICICI Bank Tower, Plot No. 12, Financial District, Nanakramguda, Gachibowli, Hyderabad -500 032.

Guaranteed Claim Support

Call at 1800 267 67 67 from 10 AM to 7 PM

Schedule a Callback

Mail Us at [email protected]

Visit Paybima Store

Start your claim process with us to get our support

Learn all about [Health Insurance/Term Life/Car/Bike] Claims

Review of ICICI Lombard General Insurance Company

ICICI Lombard Health Insurance offers a wide range of health insurance policies for individuals and families making it one of the best insurance providers. Most of their plans are comprehensive and offer wide options of coverage.

ICICI Lombard Health Insurance is one of the most reputed insurers in India offering a gamut of plans with premium features and benefits at affordable prices.

ICICI Lombard has commendable customer service and they are quick in responding to customer queries, which is one of the best features of the insurer.