ICICI Lombard Health Booster Plan

As the price of medical care is going higher, people have been trying to find a way of expanding their health cover without incurring high expenditure on it. The ICICI Lombard Health Booster Plan is one of the top rated top-up health insurance policies of India that supplements your current health insurance. This scheme helps in providing financial cushioning when in hospital, as it will cover hospital bills that are out of the scope of your base policy. It is appropriate to people and families who are in need of extra coverage without incurring very high premiums.

Suppose that you have a basic health insurance plan that has a ceiling of 5 lakh rupees, and wind up with a huge hospital bill of 7 lakh rupees. The first 5 lakh would be taken care of by the base policy and the ICICI Lombard Health Booster Plan would come to play to cover the remaining 2 lakh as long as it surpasses your selected deductible. Such add-on solutions are what the people will need in 2025 when they want peace of mind with regard to the cost of healthcare.

Who Is the ICICI Lombard Health Booster Plan Suitable to?

Those people who might feel that their present health insurance cover is not adequate due to lifestyle, family health history or increasing medical inflation may put this plan into consideration. ICICI Lombard Health Booster Plan can also help the parents, elderly persons and individuals with health insurance cover provided by the employers that are not sufficient. It is more particularly pertinent to the Indians in metro cities where the medical expenses are shooting high.

The question is also asked by people:

Is it possible to purchase ICICI Lombard Health Booster without base policy?
Indeed, you may take it as a standalone or a top-up of an already existing policy.

What are the Major highlights of ICICI Lombard Health Booster Plan?

• Provides the sum insured on a scope of 5 lakh rupees to 50 lakh rupees
• Choose deductible (the amount you pay before the plan kicks in) from 3 lakh to 10 lakh rupees
• Both floating of individual and family are available
• Coveres in-patient hospitalisation, day care procedures, road ambulance and domiciliary hospitalisation
• Sum insured benefit Reset
• Lifelong renewability
• Even up to a certain age, say 45 years, no pre-policy medical test is necessary up to a certain amount of sums insured
• Individual treatments such as AYUSH are included.
• The tax provisions under section 80D of Income Tax Act
• No money required in treatment in more than 6,700 network hospitals in India

Did you know?
The top-up plans such as Health Booster, unlike base policies, would enable obtaining high covers on much lower costs, which is why it would be popular among Indian families in 2025.

Mechanics of ICICI Lombard Health Booster Plan

Assume that you purchase a Health Booster Plan with the deductible of 5 lakh rupees and a sum insured of 10 lakh rupees. In a case of a claim of 8 lakh rupees because of hospitalisation, you have to pay first 5 lakh rupees or get it covered anywhere. This is covered by the ICICI Lombard Health Booster that will cover the remaining 3 lakh of rupees as long as it satisfies the deductible. In case of total bill is less than 5 lakh, it is not paid by the Health Booster but is paid by the base policy or by you.

What are the Advantages of this Plan in the year 2025?

Since then, the ICICI Lombard Health Booster Plan has further developed and included even more customer-friendly features in 2025, which include:

• Cashless facility home choice to avail selected treatment
• Better no claim bonus benefits up to 150 percent of sum covered
• Digital submission and tracking of claim settlement occurs very fast
• Wellness programs, health checkup voucher, and teleconsultation

Expert’s Insight:
According to industry reports in 2025, compared to the pre-pandemic period, the adoption of top-up plans will increase by 25 percent primarily because of their affordability and high level of insuring a large bill.

Limitations or Exclusions of ICICI Lombard Health Booster Plan:

These are the exclusions and clauses of this Plan:

• Waiting period; up to 24 months coverage of pre-existing diseases
• Certain specific illnesses not covered in first two years (subject to list)
• Uncovered maternity, dental or cosmetic procedures
• Deductible is based on each hospitalisation event, and not on a yearly basis
• Limitation of certain alternative cures and non-allopathic medication

The question is also asked by people:
Does pre-existing diseases fall under Health Booster plan?
Yes, but upon the expiry of certain waiting periods.

Which are the Key Advantages of ICICI Lombard Health Booster Plan?

• Low pricing of high cover since it is in the form of a top-up
• The choice in deductible and sum insured should be flexible
• Various policy term available: one, two or three years
• Full coverage such as day care and other remedies
• Cashless facility and high digital support
• Convenient transferability of other insurers

What are The Key Disadvantages of ICICI Lombard Health Booster Plan?

• Deductible is required to be paid at each and every occasion of hospitalisation rather than one time per year
• Insurance does not cover OPD, vision, dental and maternity expenses
• Non-medical expenses may be sub-limited on some high-value claims
• Waiting time in case of pre-existing conditions and elective procedures

Did you know?
In the first quarter of 2025, ICICI Lombard processed more than 95 percent of claims in a 30-day period, which indicates that the company has an effective customer care system.

What Plans Will be the Competitors of ICICI Lombard Health Booster in 2025?

The question is also asked by people:
Is ICICI Lombard Health Booster good compared to Star Health?
The ICICI Lombard scheme covers more amounts to be insured, and bigger no claim bonus which will be convenient to families in Metro in 2025.

What is ICICI Lombard Health Booster Premium Range?

The annual charge varies with age, amount covered, deductible fee, policy duration and the number of persons in the family. To illustrate this, consider, in case of a 30-year old person:

• Sum Insured 10 lakh rupees
• Deductible: 5 lac.
• Annual Premium: about 2,800 to 4,200 rupees
• Family of 4 (two adults, two kids): 7,000 to 9,500 rupees yearly

The cost of premiums moderately increases as you choose smaller deductibles or larger sums that are insured.

Which Documents Do I Provide to Purchase Health Booster Plan?

• Identity proof (Aadhaar card or PAN card)
• Address proof
• Age proof (Aadhaar, Passport, School certificate)
• Any existing medical documents (if applicable)
• Passport photograph D size

Applicants with no health issues are not required to take a medical check-up up to the age of 45 years in case of some covers.

Expert’s Insight:
By 2025, a number of urban hospitals require deposits, even on cashless claims. A huge backup cover prevents any surprises on out of pocket expenses during emergencies.

How to Make a ICICI Lombard Health Booster Claim in 2025?

• Notify the company or TPA (Third Party Administrator) about the hospitalisation within 24 hours
• Make the submission of a pre- authorisation form of cashless treatment
• To get the money back, just upload all the bills, doctors reports, discharge summary and break-up invoices on their ICICI Lombard site or app
• The claim is resolved by company after 14 to 21 days
• You can also call round-the-clock customer care to assist you on claims

The question is also asked by people:
What is the claim settlement time of ICICI Lombard in 2025?
A majority will be resolved in 2 or 3 weeks, with digital claims taking less time to decide.

Does ICICI Lombard Health Booster Offer Anything in Value Added Services?

Yes, policyholders have access to:

• Vouchers for health check-up
• Internet medical services
• Partner pharmacies and labs Discounts
• Fitness programs and wellness programs
• Mobile app updates and offers on a regular basis

This kind of service transforms the insurance plan to not only claims but to whole health management.

Is This Health Booster Plan Purchasable by NRIs or Expats?

NRIs are allowed to buy the scheme on behalf of their family staying back in India. The policy; however, only covers treatment in Indian hospitals. It is not portable as far as medical care abroad is concerned. Subscribers can also be expats, in work in India, with treatment in India.

Did you know?
About 30 percent of the buyers of top-up plans by 2025 are IT professionals with a basic corporate health insurance cover, aiming to insure their parents and elders with a family floater.

Before you buy health booster plan, what should you check?

• See the small print in a policy on what adds to deductible
• Check the list of hospitals in your city
• Compare premium using various deductible/sum insured choices
• Learn the intimation of waiting periods and exclusions
• Request a demonstration of digital claim submitting device

Another question people have been asking is whether it is advisable to get a separate top-up or to add to base policy sum insured.
Top-up covers are cheaper to cover more compared to the base policies which will be unaffordable with an increment in the sum insured.

Useful tips to get the best out of ICICI Lombard Health Booster Plan 2025

• Use lower cost base health insurance as a pairing to the plan and get the greatest coverage
• Choose a deductible that matches your existing cover (corporate or retail)
• Take advantage of health check-ups through wellness and preventative health benefits
• Claim tracking and digital services through downloading company app
• Restore the benefit of the waiting period by renewing in time

Expert’s Insight:
The financial advisors in 2025 would give advice on top up plans particularly to middle income urban families and joint families where the base coverages are shared among so many members.

Sum Up: Should You Take ICICI Lombard Health Booster?

Appropriate to: Individuals with a basic cover or covered by an employer, families, elderly citizens
Why buy?: Includes more protection against inflation in medical, low-cost premiums on higher sum insured and flexible plans
Things to take note of: Deductible, exclusion, process of claiming

Therefore, in 2025, the ICICI Lombard Health Booster Plan is very topical in case of the desire to obtain additional insurance cover of medical costs at affordable prices. This is the suitable type of insurance that people and families can purchase and it is a good player in the top- up health cover insurance.

Quick Recap:

ICICI Lombard Health Booster Plan is an intelligent add-on health plan that provides high insurance covers under a lesser premium, with advantages, such as reasonable deductible, inclusive coverage, and online assistance. It is best suited to individuals with base-insurance who wish to furnish supplementary cover against major medical expenditure in the year 2025. Learn the jargon of policy and select appropriate deductible to achieve optimum outcome.

People Also Ask (FAQs)

Q1. Do I have a choice of taking ICICI Lombard Health Booster even when I have a corporate health policy?
You can yes, just by choosing a deductible amount equal to your corporation policy sum insured.

Q2. How long is the pre-existing conditions wait?
On average, the policy starts to cover pre-existing illnesses after 24 months.

Q3. Does this plan include COVID 19 or pandemic diseases?
Yes, the hospitalisation on account of pandemics can also be availed under the IRDAI guidelines but with some conditions.

Q4. Is it possible to raise sum insured at the time of renewing?
During the renewal period you have options to either increase the sum insured or to decrease deductible as long as the terms are acceptable and underwriting approves the change.

Q5. Does it have cashless hospitalisation?
Yes at over 6,700 network hospitals cashless hospitalisation is possible.

Q6. Is there a restriction to how much we can rent a room?
General standard room rent is normally insured to the sum insured and yes there are sub-limits on higher categories of rooms.

To read the official policy document, or to contact your insurance advisor, see more.

Sources:

ICICI Lombard Formual Website
Mint
Top-Up Plans Analysis Soars in 2025