Can I get tax benefits on this policy?

Yes. Premiums paid for the ICICI Lombard health insurance super top up plan are eligible for tax deductions under Section 80D of the Income Tax Act.

Who can buy ICICI Lombard Super Top-up?

Individuals aged 18 to 65 years with an existing health insurance policy can buy the ICICI Lombard health insurance super top up. Children can also be included under a family floater plan.

How do I file a claim?

For cashless or reimbursement claims, inform ICICI Lombard within 24-48 hours of hospitalization, submit the required documents, and the claim will be processed. The ICICI Lombard health insurance super top up team helps guide you every step.

Is there a waiting period for pre-existing diseases?

Yes. Most pre-existing conditions are covered only after a waiting period, usually 3 years. This ensures fair pricing and protects the insurance pool.

Are daycare treatments covered?

Yes. The ICICI Lombard super top up plan covers daycare procedures like cataract surgery, dialysis, and chemotherapy that don’t require a 24-hour hospital stay.

What is a Super Top-up Plan?

A ICICI Lombard super top up plan is an additional health insurance policy that starts covering your medical expenses once your base health insurance limit is exhausted. It protects you from large hospital bills without buying a full new policy.

Can I add my family to the policy?

Yes. The ICICI Lombard super top up plan offers family floater options, allowing you to cover your spouse, children, and sometimes even parents under a single policy.

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Top Up Plan

ICICI Lombard Super Top-up Health Insurance Plan

Why is Super Top-Up a Smart Choice?
A Super Top-Up plan offers extra health coverage at a low cost, saving money while protecting against high medical expenses.

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97.16%

Claim Settlement Ratio

10600+

Network Hospitals

15 Lakh+

Claims Settled Since Inception

24x7

Customer Support

Our Verdict

Our Verdict on ICICI Lombard Super Top-up Health Insurance

Pros

Wide network of partner hospitals for cashless treatment

Fast and hassle-free claim process

Great for families looking to increase health cover without high premiums

Ideal for individuals seeking affordable extended coverage

Cons

Coverage benefits may vary by city or network hospital

May not suit those wanting very high sum insured options

Limited add-on options compared to premium plans

Pros

Wide network of partner hospitals for cashless treatment

Fast and hassle-free claim process

Great for families looking to increase health cover without high premiums

Ideal for individuals seeking affordable extended coverage

Cons

Coverage benefits may vary by city or network hospital

May not suit those wanting very high sum insured options

Limited add-on options compared to premium plans

Final Verdict

ICICI Lombard Super Top-Up Health Insurance Plan offers smart financial protection for individuals and families who want more coverage without heavy costs. It activates once your base health insurance limit is exhausted, ensuring you stay protected during major medical expenses. With affordable premiums, a large hospital network, and quick claim...

ICICI Lombard Super Top-Up Health Insurance Plan offers smart financial protection for individuals and families who want more coverage without heavy costs. It activates once your base health insurance limit is exhausted, ensuring you stay...

ICICI Lombard Super Top-up Health Insurance Plan

Customer Testimonials

Real experiences from our valued customers who have chosen our insurance coverage.

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family……always been available to assist with any insurance/claim queries.

Nakul N

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family……always been available to assist with any insurance/claim queries.

Nakul N

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

OneAssure helped me understand my needs and choose a product that was right for me. There was no pressure tactics or mis-selling. This experience was respectful, informed, and completely stress-free.

Shreya Goyal

Had a great experience with OneAssure during my insurance claim process. A special shoutout to Sunad Raj for his exceptional support, he was professional, responsive, and guided me every step of the way. Thanks to his consistent follow-ups and clear guidance, the entire claim settlement was smooth and hassle-free. Highly recommend OneAssure for their service and transparency!

Sanjay Dakalia

The team is very professional and prompt. I would have all my health and life insurance needs met through them.

Harish Jindal

Very professional service from Ruchir & Aman. They were recommended by a friend who had a positive experience with them. I have taken both health and life policies through them and they have advised me well throughout the process and found the best options available in the market. I had a medical condition due to which it was difficult to find a suitable health policy in the market, however this team was able to find one for me. I would recommend their services to anyone looking to buy health or life insurance.

Siddhartha Saha

Wonderful experience with Prost. Right from suggesting the insurance products to claim process the entire experience hai been seamless. They do not mis-sell and are very transparent. Sundar Raj from the team has been wonderful and ensured prompt guidance. All the best Ruchir and keep up the good work!

Adarsh Ravindranathan

Super Top Up

Factors to Consider While Buying ICICI Lombard Super Top Up Mediclaim Policy

Existing Coverage

Check your current health insurance coverage. If it’s not enough for today’s high medical costs, a Super Top-up can fill that gap.

Deductible Amount

Pick a deductible that suits your budget. A higher deductible lowers your premium but increases the amount you’ll pay before the policy starts covering you.

Family Size

If you want coverage for your entire family, go for a family floater option. It’s simpler to manage and usually more cost-effective.

Health Conditions

Make sure the plan covers your health needs, especially if you or your family members have specific medical conditions.

Premium Affordability

Choose a plan with a premium that fits your monthly or yearly budget. The goal is to have good protection without financial strain.

Existing Coverage

Check your current health insurance coverage. If it’s not enough for today’s high medical costs, a Super Top-up can fill that gap.

Deductible Amount

Pick a deductible that suits your budget. A higher deductible lowers your premium but increases the amount you’ll pay before the policy starts covering you.

Family Size

If you want coverage for your entire family, go for a family floater option. It’s simpler to manage and usually more cost-effective.

Health Conditions

Make sure the plan covers your health needs, especially if you or your family members have specific medical conditions.

Premium Affordability

Choose a plan with a premium that fits your monthly or yearly budget. The goal is to have good protection without financial strain.

Super Top Up

Inclusions & Exclusions of ICICI Lombard Under Super Top Up Health Insurance Plan

Here are the main coverages included and and exclusions of ICICI Lombard health insurance super top up:

Inclusions

AYUSH Coverage – Covers Ayurveda, Yoga, Unani, Siddha, and Homeopathy at approved hospitals.

Ambulance Services – Pays for emergency ambulance transportation.

Daycare Treatments – Covers short procedures like dialysis, chemotherapy, or cataract surgery.

Pre & Post-Hospitalisation – Covers related medical costs before and after hospitalisation for limited days.

Hospitalisation Expenses – Covers room rent, ICU, doctor’s fees, medicines, and surgeries requiring 24-hour stay.

Exclusions

Pre-Existing Diseases – Covered only after the applicable waiting period.

Experimental Treatments – Unproven or research-based treatments not covered.

Non-Medical Expenses – Excludes toiletries, phone bills, or visitor meals.

Self-Inflicted Injuries – No cover for intentional harm or suicide attempts.

Cosmetic Surgery – Not covered unless medically required due to an accident or burn.

Inclusions

AYUSH Coverage – Covers Ayurveda, Yoga, Unani, Siddha, and Homeopathy at approved hospitals.

Ambulance Services – Pays for emergency ambulance transportation.

Daycare Treatments – Covers short procedures like dialysis, chemotherapy, or cataract surgery.

Pre & Post-Hospitalisation – Covers related medical costs before and after hospitalisation for limited days.

Hospitalisation Expenses – Covers room rent, ICU, doctor’s fees, medicines, and surgeries requiring 24-hour stay.

Exclusions

Pre-Existing Diseases – Covered only after the applicable waiting period.

Experimental Treatments – Unproven or research-based treatments not covered.

Non-Medical Expenses – Excludes toiletries, phone bills, or visitor meals.

Self-Inflicted Injuries – No cover for intentional harm or suicide attempts.

Cosmetic Surgery – Not covered unless medically required due to an accident or burn.

ICICI Lombard Super Top-up Health Insurance Plan

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Super Top-up

Claim Process for ICICI Lombard Super Top-up Health Insurance Policy

1-5 of 6 Process

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How to Renew ICICI Lombard Super Top Up Health Insurance Premium

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How to Buy ICICI Lombard Super Top Up Health Insurance Plans

Buying the ICICI Lombard super top up plan is fast, simple, and completely guided. Just follow these easy steps:

1-5 of 7 Steps

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Still Confused? Get Expert Guidance

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

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.