Every one of us must have heard this famous saying called, ” Health is Wealth”. In order to enjoy our wealth, we need to have good health. Health is the most important asset of any individual. Good Health brings in a lot of peace and physical relaxation in one’s life and family. Having a health insurance policy not only gives the security of financial coverage for medical requirements but also some tax benefits.
Now, your insurance cover has just got bigger with Health Booster. ICICI Health Booster is a super top-up Health Insurance cover that takes care of excess payment that may arise due to the amount paid for illness over and above your existing Health Insurance policy.
For a detailed description of the benefits of ICICI Health Booster Policy, kindly refer to the policy wordings.
A) In-patient treatment –
Medical expenses for hospitalization as an in-patient for more than a period of 24 hours will be covered.
B) Day Care Treatments –
The policy will cover 150 medical expenses incurred by the policyholder while undergoing Specified Day Care Treatment (as mentioned in the Day Care Surgeries list), which require less than 24 hours of hospitalization.
C) In patient AYUSH treatment –
Expenses for Ayurveda, Unani, Siddha and Homeopathy (AYUSH) treatment will be covered up to sum assured only when the treatment has undergone in a Government Hospital or in any Institute recognized by the Government or accredited by Quality Council of India/National Accreditation Board on Health.
D) Domiciliary Hospitalization Cover –
Medical expenses up to the sum assured will be covered by the policy during domiciliary hospitalization.
E) Donor Expenses –
This policy will cover hospitalization expenses up to sum assured, as incurred by the organ donor for undergoing organ transplant surgery.
F) Pre & Post Hospitalization –
This policy will also cover medical expenses up to sum assured incurred by the policyholder, immediately up to 60 days before and up to 90 days after the hospitalization of the policyholder.
G) Domestic Road Emergency Ambulance Cover –
Ambulance cover up to maximum Rs 5000 will be covered in this policy in an emergency condition.
H) Reset Benefit –
For plans with deductible of Rs 3 lakhs and above, the company shall reset Sum Assured up to 100% once in a policy year in case the Sum Assured including accrued Additional sum assured (if any) is insufficient due to previous claims in that policy year.
I) Relationships covered –
Relationship Covered under this policy are as follows –
|1) Self||2) Spouse|
|3) Dependent Children||4) Brother|
|5) Sister||6) Dependent Parent|
|7) Grandparents||8) Grandchildren|
|9) Mother-in-Law||10) father-in-Law|
|11) Son-in-Law||12) daughter-in-Law|
|13) Dependent Brother-in-Law||14) Dependent Sister-in-Law|
J) Wellness Program –
Wellness program intends to promote, incentivize and reward you for your healthy behavior through various wellness services. All the wellness activities as mentioned below make you earn wellness points that will be tracked by us.
The wellness services and activities are categorized as below –
|i) Manage and track Your health
||ii) Disease Management Services
|iii) Medical Concierge Services
|iv) Affinity to Wellness
This policy can be offered to an individual with a minimum age of 6 years under an individual policy. However, children aged 3 months to 5 years can be insured under a floater plan only. There will be no restriction on the maximum entry age.
The benefit under all the optional covers will be provided even if the hospitalization claim is below the deductible. However other terms and conditions like waiting period and exclusions will be applicable. Benefits under all these optional covers are applicable on a per-member basis.
These covers are optional and are available only on payment of additional premium. For Detailed description of the optional cover, kindly refer the Policy Wordings.
Can I return the policy if I didn’t like its terms and conditions?
Yes, the policyholder can return the policy if he/she doesn’t like the terms and conditions of the policy. The policy can be returned within 15 days from the date of receipt of the policy. This of 15 days period is called Free-Look Period.
So, by now you know each and every important detail about this super top-up policy of ICICI. Do let me know if I have missed any important points in the comment section. Please feel free to ask any doubts regarding this policy.
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