How does the waiting period affect my coverage?

The waiting period delays coverage for specific conditions, requiring continuous policy renewal for eligibility.

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

Unused benefits don't carry forward, but No Claim Bonus may increase your sum insured.

Will my health insurance cover treatment abroad?

Treatment abroad is usually not covered unless specified under an international coverage add-on.

OneAssure

Health Insurance

ICICI Lombard

Activate Booster Plan B

ICICI Activate Booster Plan B

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

Get a Quote

97.16

Claim Settlement Ratio

10601

Network Hospitals

0

Customer Rating

Our Verdict

Expert Review: ICICI Lombard Health Insurance

Final Verdict

ICICI Activate Booster Plan B offers high sum insured, no-claim bonuses, and restoration benefits. Ideal for individuals seeking enhanced financial protection against rising medical expenses with broad hospital network access.

About

About ICICI Lombard Health Insurance

ICICI Activate Booster Plan B is a comprehensive health insurance plan designed to provide enhanced medical coverage with added benefits. It offers a higher sum insured, ensuring policyholders receive financial support for hospitalization, treatments, and advanced medical procedures. The plan includes features like no-claim bonuses, restoration benefits, and coverage for daycare procedures. With flexible premium payment options and a wide network of hospitals, it ensures seamless healthcare access. Ideal for individuals seeking robust coverage, this plan helps manage rising medical costs effectively.

ICICI Activate Booster Plan B is a comprehensive health insurance plan designed to provide enhanced medical coverage with added benefits. It offers a higher sum insured, ensuring policyholders receive financial support for hospitalization, treatments, and advanced medical procedures. The plan includes features like no-claim bonuses, restoration benefits, and coverage for daycare procedures. With flexible premium payment options and a wide network of hospitals, it ensures seamless healthcare access. Ideal for individuals seeking robust coverage, this...

Inclusions and Exclusions

Inclusions and Exclusions of ICICI Lombard Insurance Company Limited

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

ICU Charges

No restriction on ICU room rent

Co-payment

Not available

Cumulative Bonus

Available as an option

Disease-wise sublimits

No

Restoration Benefit

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

Health checkup is not included as part of base cover. However, you can opt for the Annual Health Checkup Add-on to avail health checkup once per Policy Year

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 60 days before hospitalisation, if your main claim is approved

Post-Hospitalisation

You get cover for medical bills up to 90 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%

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

ICU Charges

No restriction on ICU room rent

Co-payment

Not available

Pageof 8

...

Exclusions

Pre-existing diseases are covered after a waiting period as per policy terms.
Cosmetic and plastic surgeries unless medically necessary.
Dental treatments except in case of accidents.
Self-inflicted injuries, suicide attempts, and substance abuse-related conditions.
Injuries or illnesses due to participation in hazardous sports or adventure activities.
Treatment related to infertility, pregnancy, and childbirth, except ectopic pregnancy.
Injuries or illnesses due to war, nuclear hazards, or terrorism.
Hormone replacement therapy unless medically necessary.

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

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

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.