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 the ICICI Lombard Activate Booster General Insurance Plan

A super top-up health insurance plan with maximum coverage and flexibility.

It helps you go beyond the limitations of the base policy.

Allows you to avail of wellness discounts of up to 30%.

Offers CIBIL score-based discounts of up to 15%.

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ICICI Lombard Activate Booster General Insurance Plan: Highlights

Here are some of the highlights of the ICICI Lombard Activate Booster General Insurance Plan:

Particulars	Details
Policy Name	ICICI LOMBARD Activate Booster General Insurance Plan
Insurance Company	ICICI Lombard General Insurance Company
Sum Insured Options	₹10 lakhs ₹15 lakhs ₹20 lakhs ₹25 lakhs ₹45 lakhs ₹50 lakhs ₹85 lakhs ₹90 lakhs ₹95 lakhs ₹1 crore ₹3 crore
Add-ons	Jumpstart Be-fit Dependent accommodation benefits Domestic air ambulance cover Health check-ups Teleconsultations Guaranteed deductible reduction
Entry age	Minimum entry age for kids: 3 months Minimum entry age for adults: 18 years
Waiting period	Initial waiting period: 30 days Waiting period for specific diseases: 2 years Waiting period for pre-existing diseases (PED): 3 years Waiting period for cardiac, diabetic, and hypertension conditions unless PED: 90 daysWaiting period for bariatric surgery: 2 years ( 30 days with the jumpstart rider)
Network hospital	10,300+ cashless hospitals
Best suited for	Individuals and families

Features and Benefits of the ICICI Lombard Activate Booster General Insurance Plan

Having the right healthcare policy not only protects you financially but also goes beyond that. It also improves the quality of treatment and reduces unnecessary stress and anxiety. This Activate Booster Super Top-Up Health Insurance plan helps you avail the benefits that you truly deserve. Here are some of its features and benefits that make it a well-thought-out addition to your base policy.

Offers High Security

Predicting medical emergencies and the associated expenses is quite challenging. With such unpredictability comes unnecessary tension. However, with ICICI Lombard Active Booster, you enjoy better security with high coverage and security. Therefore, protecting yourself and your family against unwanted stress and unexpected medical bills.

Comes with Top-Notch Flexibility

ICICI Lombard Activate Booster is designed to offer maximum flexibility. It is designed with a wide range of basic cover and add-on options. This means you get to choose from a variety of options that make your policy more reliable and personalised.

Cost-Effective

Have you ever thought that you need more than one policy to meet your healthcare needs? Well, here you are. With Active Booster super top-up, you receive a range of benefits and enhanced coverage without the need to purchase an additional policy, which can be comparatively more expensive.

Better Coverage

At times, your base policy may need to be supplemented to combat rising inflation and medical costs better. Here comes the Activate Booster super top-up, where coverage goes beyond the base insured. Additionally, you receive comprehensive coverage for various expenses, including hospitalisation, modern treatments, health check-ups, and more.

Suitable for Growing Healthcare Demands

Given the era we are living in, life is full of stress, anxiety, and other healthcare concerns. In such a landscape, when you're more prone to PED or other concerns with age, ICICI Lombard Activate Booster helps as the saviour.

It is Future-Proof

Given that the policy purchase was made at the age of 50 and has been continuously renewed since then, you can easily transform your top-up policy into a base policy using the deductible waiver feature.

Wish to Enhance Your Coverage? Take a look at the Riders Available with ICICI Lombard Activate Booster General Insurance Plan

ICICI Lombard Activate Booster comes with a wide range of add-on options. This helps you create a more comprehensive, personalised, and well-suited policy to meet your needs and requirements. Here is a list of some add-ons you may want to consider.

Add-on Covers	Details
Jumpstart	With this add-on, you get to reduce your waiting period to 30 days even for PEDs like hypertension, asthma, diabetes, and hyperlipidemia.
Be-fit	This add-on allows you to avail a variety of cashless benefits for physiotherapy, OPD, diagnostic facilities, pharmacy, and more. This can be easily done via the IL mobile app.
Health Check-Ups	With this add-on, you get a pre-set health checkup package which can cover up to 0.5% of your annual SI (sum insured)
Dependent Accommodation Benefit	Given the insured is hospitalised, this add-on covers the accommodation expenses of the dependent for about 10 consecutive days.
Domestic Air Ambulance	With this add-on, you get to add air ambulance services for patients’ easy transfers to the nearest hospital or quality healthcare whenever needed.
Teleconsultations	This add-on allows you to avail unlimited teleconsultations with expert medical practitioners through video, audio, online apps, portals, and so on.
Guaranteed Deductible Reduction	With this add-on, you receive a 10% deductible reduction at each policy renewal. The maximum reduction can be made up to 50%.

ICICI Lombard Activate Booster General Insurance Plan: Eligibility Criteria

Availing the benefits of the ICICI Lombard Activate Booster is easy. You simply need to purchase the plan and verify that you meet the eligibility requirements. Here are the eligibility criteria for the plan you should review.

The minimum entry age for an adult is 18 years.
The minimum age for a child is 90 days.

ICICI Lombard Activate Booster Health Insurance Plan: What is Covered?

Wondering what base coverage is offered under the policy? Well, here is a list of policy inclusions under the ICICI Lombard Activate Booster Super Top-up Health Insurance Plan.

In-Patient Treatment

Expenses like room rent, diagnostics, and more that require you to stay in the hospital for more than 24 hours are covered.

Inpatient AYUSH Treatment

Any expenses incurred on the AYUSH treatment, like homoeopathy, naturopathy, Unani, and more than asking you to be hospitalised for more than 24 hours, are covered.

Daycare Treatment

Any expenses incurred on the treatment that require you to be hospitalised for less than 24 hours are also covered.

Pre & Post Hospitalisation Charges

Coverage is also offered for any expenses incurred during the 90-day pre-hospitalisation period and a 180-day post-hospitalisation period.

Donor Expenses

Any expenses made on the surgical treatment done for the harvesting of the organ from the donor are also covered.

Domiciliary Expenses

Domiciliary expenses up to the sum insured are also covered.

Bariatric Surgery

Any expenses related to bariatric surgery for obesity treatment are covered.

Home Care Treatment

Coverage is also provided for expenses occurring during home care treatment.

In Patient Surrogate and Oocyte Treatment

Coverage of up to ₹5 lakhs is provided for surgical and oocyte treatments.

ICICI Lombard Activate Booster Health Insurance Plan: What is Not Covered?

Here is a list of policy exclusions that you need to know.

Expenses Incurred on PEDs During the Waiting Period

Any expenses incurred during the treatment of PED while waiting are not covered.

Expenses Incurred on Specific Diseases During 24 Months

Expenses incurred for the treatment of diseases specifically mentioned in the policy are not covered for 24 months. Here is a list of specific diseases.

Sinus
Endometriosis
Duodenal or gastric ulcers
Hemorrhoids
Stones
Cataracts
Fistula
Hernia of all types
Any surgery related to tonsils or pre-nasal surgeries
Skin surgeries
Dilatation
Non-effective arthritis, etc.

Our Verdict on ICICI Lombard Activate Booster Health Insurance Plan

Your health is an important asset. However, you need to understand that your body does not come with a certain warranty. Health emergencies, accidents, and certain diseases are all sudden and unexpected. Having health insurance is like having the next best thing. It ensures you get a cover that allows you to pay your medical bills without any problem. <br><br>ICICI Lombard has always been a reputed name among customers for its innovative and reliable health insurance. With Activate Booster, not only do you get access to a variety of bases and additional benefits, but you can do much more than that. You also gain access to cashless benefits, an IL app to support your wellness journey, and a network of over 10,300 hospitals.<br><br> The policy makes your base plan more comprehensive, so you need not worry about rising costs with high premium coverage. Suitable for families, seniors, and individuals of all ages looking for a reliable health insurance plan. You can also easily buy it in just a few simple steps. If you haven’t done it already, get your health insurance policy from Paybima today!

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Claims Experience

Claims Experience Rating 4.4

% of claims settled in less than 30 days
Reflects on the speed of settling valid claims

98.61%

% of Complaints received on overall claims
% customers unhappy with claims experience

0.24%

Claims Incurred Ratio

72.71%

Claim Settlement Ratio (No. of claims)
What % of the claims received were paid?

90.24%

No. of Cashless Hospitals

11,000+

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Ask Anything as We Have Answers to Everything in Insurance

Being a savings cum life insurance plan, the iSelect Guaranteed Future Policy offers 5 different variants to choose from, such as iAchieve, Flexi iAchieve, iAssure, Flexi iAssure, and Easy iAchieve. Be it any plan you choose, you would get life cover together with guaranteed maturity benefit and/or survival benefit.

It is a voluntary cover that is in-built. As per the Payor Premium cover, if the insured dies, all the premiums to be paid in the future would be waived off, while the policy would still stay active.

Guaranteed maturity is the benefit that is offered as the assured lump sum pay that is offered at maturity. The money that is offered as guaranteed maturity to the policyholder or beneficiaries is fixed at the time of policy purchase.

The payout is given as a lump sum or monthly pay. You can also opt for part lump sum and part monthly pay income under the plan.

You can buy the plan online via the official website of the insurer or via any partner website.

Yes, you can revive the iSelect Guaranteed Future Plan within 5 years of the date of last unpaid premium, as per the specified terms of the policy.

Yes, since smokers are at a higher risk of health issues, their premiums may also be higher than those of non-smokers.

Yes, the policy is a family health insurance plan. So, you can also get your parents covered under it.

Health insurance has become a necessity in today's times. It's no longer a luxury. A single hospitalisation can wipe out a major chunk of your savings or may even force you to compromise on quality health services.

The iProtect Smart comes with flexibility in choosing your premium payment. It can be done in a single premium, for a limited period, or throughout the policy term as per your income and evolving needs.

There are four payout options that are available with iProtect Smart. For instance, there is income option where nominee gets a monthly income for a set period; with lump sum income, the nominee gets lump sum + regular income for a set period; the lump sum, the nominee gets a lump sum amount; and with increasing income, the nominee gets an increasing income that increases every 10 years.

Yes, ICICI Prudential iPru Signature is a dual-purpose plan. It's a ULIP, or Unit-Linked Insurance Plan, that combines the features of life cover and investment components.

Partial withdrawals under the iPru Signature are free of cost and can be withdrawn unlimited times. However, the total amount should not exceed 20% of the fund value.

Yes, as per the value added covers, you can earn up to 20% rewards of the base premium. This can happen if you complete the Healthy Life Management Program.

ManipalCigna Sarvah Pratham offers discounts from the network provider on pharmacy, supplements, etc. Other discounts include:

5% discount on your first policy renewal
2.5% discount if the policy renewal is done 30 days before the policy expiry date
7.5% discount on a 2-year policy and 10% on a 3-year policy
10% discount on the premium if two members are covered under the same policy.

Disclaimer

10% Cumulative Bonus (CB) will be applied on the Base Sum Insured for each claim free Year, which can go up to a maximum of 100% of the Base Sum Insured.
# Expenses related to the treatment of a pre-existing disease (PED) and its direct complications shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first policy with the insurer.

(For Detailed Information Refer to the Policy Wording)