How does the waiting period affect my coverage?

The plan has an initial waiting period of 30 days (except for accidents), a 3-year waiting period for pre-existing diseases, and a 2-year waiting period for specific diseases

What happens if I don’t use my health insurance benefits for the entire year?

The policy does not provide a no-claim bonus, but it offers a guaranteed deductible reduction of 10% at each renewal.

Will my health insurance cover treatment abroad?

This plan does not provide coverage for international treatments; benefits apply only within India.

OneAssure

Health Insurance

ICICI Lombard

Activate Booster Plan A

Experience India's most trusted health insurance with ICICI Lombard Health Insurance. Get instant cashless treatment at 10601 network hospitals with sum insured up to ₹50 lakhs.

97.16

Claim Settlement Ratio

10601

Network Hospitals

0

Customer Rating

Brochure

Get a Quote

97.16

Claim Settlement Ratio

10601

Network Hospitals

0

Customer Rating

Brochure

Our Verdict

Expert Review: ICICI Lombard Health Insurance

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Final Verdict

Activate Booster Plan A offers high coverage up to ₹3 crore with deductible waivers and add-ons. Ideal for individuals with existing health policies seeking extra financial protection against large medical expenses.

About

About ICICI Lombard Health Insurance

The Activate Booster Plan A is a super top-up health insurance policy designed to provide extensive coverage beyond a base policy. It includes high sum insured options up to ₹3 crore, covering hospitalization, advanced treatments, pre and post-hospitalization expenses, AYUSH treatments, and home care. Key benefits include a deductible waiver, waiting period reduction options, and optional add-ons like domestic air ambulance cover, OPD benefits, and teleconsultations. The plan ensures financial security with comprehensive protection against medical expenses, making it ideal for individuals seeking enhanced health coverage.

The Activate Booster Plan A is a super top-up health insurance policy designed to provide extensive coverage beyond a base policy. It includes high sum insured options up to ₹3 crore, covering hospitalization, advanced treatments, pre and post-hospitalization expenses, AYUSH treatments, and home care. Key benefits include a deductible waiver, waiting period reduction options, and optional add-ons like domestic air ambulance cover, OPD benefits, and teleconsultations. The plan ensures financial security with comprehensive protection against...

Inclusions and Exclusions

Inclusions and Exclusions of ICICI Lombard Insurance Company Limited

ICU Charges

No restriction on ICU room rent

Disease-wise sublimits

No

Restoration Benefit

Not available

Cumulative Bonus

Not available

Room Rent

Single Private Room is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category

Co-payment

Not available

Consumable Cover

Yes

Initial Waiting Period

30 days

Specific Waiting Period

2 years

PED Waiting Period

3 years

Modern Treatment

Hospital expenses for listed advanced treatments are covered up to your annual sum insured during the policy period

Annual Health Checkup

Not available

Daycare Treatment

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

AYUSH Treatment

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Pre-Hospitalisation

You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved

Post-Hospitalisation

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)

OPD expense is not included as part of base cover. However, you can opt for an add-on to avail this coverage

Deductible Option

Available

Cashless Healthcare Providers

10,300+ Healthcare Providers

Coverage Options

Available coverage options: ₹10L, 15L, 20L, 25L, 45L, 50L, 85L, 90L, 95L, 1Cr, 3Cr

Maternity Cover

Not available

Claim Settlement Ratio

97.16%

ICU Charges

No restriction on ICU room rent

Disease-wise sublimits

No

Restoration Benefit

Not available

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Exclusions

Expenses related to diagnostic and evaluation admissions.
Costs for bed rest, custodial care, or terminal illness services.
Obesity-related surgeries unless meeting strict medical criteria.
Treatments for gender transition or cosmetic procedures unless medically necessary.
Expenses incurred due to hazardous or adventure sports injuries.
Treatment for alcohol, drug, or substance abuse.
Non-medically necessary infertility and maternity-related expenses.
Experimental or unproven treatments lacking clinical validation.

Add ons

Add-Ons

Cibil Discount

Domestic Air Ambulance Cover

Claim Protector

Teleconsultation

Durable Medical Equipment Cover

Befit

Room Modifier

Inflation Protector

Insurance Premium Calculator

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About the company

ICICI Lombard General Insurance is one of India’s leading private sector insurers, known for providing reliable and comprehensive insurance solutions. It is a joint venture between ICICI Bank, one of India’s largest private banks, and Fairfax Financial Holdings, a global financial services group. Established in 2001, ICICI Lombard has grown rapidly and now serves millions of customers across the country. The company offers a wide range of products, including health, motor, travel, home, and personal accident insurance, catering to individuals, families, and businesses. Its health insurance offerings include regular health plans, super top-up plans, critical illness cover, and personal accident plans, all designed to provide financial protection against unexpected medical expenses. ICICI Lombard stands out for its customer-focused approach, quick and transparent claim settlement, and...

ICICI Lombard General Insurance is one of India’s leading private sector insurers, known for providing reliable and comprehensive insurance solutions. It is a joint venture between ICICI Bank, one of India’s largest private banks, and Fairfax Financial Holdings, a global financial services group. Established in 2001, ICICI Lombard has grown rapidly and now serves millions of customers across the country. The company offers a wide range of products, including health, motor, travel, home, and personal...

FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.