{"uin":"ICIHLIP25038V042425","name":"Health Booster - ICIHLIP25038V042425","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425","insurer":{"slug":"icici-lombard-general-insurance","name":"ICICI LOMBARD General Insurance Company Limited","url":"https://indiainsurances.com/insurer/icici-lombard-general-insurance"},"line":"health","category":"health-topup","category_name":"Top-up and super top-up","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Health Booster is a health top-up indemnity policy with Top Up and Super Top Up variants, covering hospitalization in India above a deductible with individual or floater sum insured. It has 30-day initial waiting, 24-month PED and specific waiting periods, reset for deductibles ₹ 3lacs and above, and 10% Loyalty Bonus up to 50%.","analysis":{"state":"machine","analysed_at":"2026-10-20 04:28:20.421197+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Top Up Plan","Super Top Up Plan"],"display":"Top Up Plan; Super Top Up Plan","note":null,"quote":"• Top Up Plan:\nDeductible will apply for each and every hospitalisation except for claims made for Any one illness. ... • Super Top Up Plan:\nDeductible will apply on aggregate basis for all hospitalisation expenses during the policy year.","sources":[{"clause":"21(II)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425/document/20632#c-21-ii-2"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The policy will be issued for 1 year, 2 years or 3 years.","display":"1 year, 2 years or 3 years","note":null,"quote":"Policy Period The policy will be issued for 1 year or 2 years or 3 years period.","sources":[{"clause":null,"heading":"Eligibility","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425/document/19866#c-eligibility"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For reimbursement claims, planned hospitalization must be intimated at least 48 hours prior to admission, emergency hospitalization within 24 hours of hospitalization, and all other cases within 7 days of completion. For cashless services, planned treatment at a network hospital must be notified at least 48 hours before treatment or hospitalization and emergency treatment within 24 hours.","display":"Planned: at least 48 hours before; emergency: within 24 hours; other cases: within 7 days","note":null,"quote":"Any Planned Hospitalization for which claim can be made | At least 48 hours prior to admission in hospital\nAny Emergency Hospitalization for which claim can be made | Within 24 hours of hospitalization\nFor all other cases/benefits | Within 7 days of completion of such treatment or procedure ... Any Planned treatment/ Hospitalization | Network hospital | At least 48 hours before the treatment/ hospitalization\nAny Emergency treatment/ Hospitalization | Network hospital | Within 24 hours of the treatment/ hospitalization","sources":[{"clause":"21(II)(a)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425/document/20632#c-21-ii-a-7"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Duly completed Claim form signed by You and the Medical Practitioner","Original bills, receipts and discharge certificate/ card from the Hospital/ Medical Practitioner","Original bills from chemists supported by proper prescription","Original investigation test reports and payment receipts","Indoor case papers","Medical Practitioner's referral letter advising Hospitalization in non-Accident cases","Any other document as required by Us or to investigate the Claim or Our obligation to make payment for it"],"display":"Claim form, original hospital bills and discharge card, chemist bills with prescription, investigation reports and receipts, indoor case papers, referral letter for non-accident hospitalization, and any other required document","note":null,"quote":"1. Duly completed Claim form signed by You and the Medical Practitioner. The claim form can be downloaded from our website www.icicilombard.com\n2. Original bills, receipts and discharge certificate/ card from the Hospital/ Medical Practitioner\n3. Original bills from chemists supported by proper prescription.\n4. Original investigation test reports and payment receipts.\n5. Indoor case papers\n6. Medical Practitioner's referral letter advising Hospitalization in non-Accident cases.\n7. Any other document as required by Us or to investigate the Claim or Our obligation to make payment for it","sources":[{"clause":"21(II)(c)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425/document/20632#c-21-ii-c-6"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"conflicting","value":"Settlement or rejection would be done within 30 days after receipt of the last necessary documents.","display":"Within 30 days after receipt of last necessary documents","note":"Another policy wording says: 'The Settlement of claims including its rejection would be done by Us within 15 days of receipts of claim along with claim form and documents'.","quote":"5. Settlement/ Rejection of Claim The Settlement of claims including its rejection would be done by Us within 30 days after receipt of last necessary documents, any rejections if done, would be provided with proper reasons by Us.","sources":[{"clause":"21(II)(c)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425/document/20632#c-21-ii-c-7"},{"clause":"5","heading":"Settlement/ Rejection of Claim","page":30,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425/document/19787#c-5"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact ICICI Lombard through its website, toll-free number, email, address or branch grievance cell. If not satisfied, contact the grievance officer at the stated link before approaching IRDAI or the Insurance Ombudsman.","display":"Company website/toll-free/email/branch grievance cell, then grievance officer","note":null,"quote":"21. Redressal of Grievance ln case of any grievance the insured person may contact the Company through Website: www.icicilombard.com Toll free: 1800 2666 Email: customersupport@icicilombard.com ICICI Lombard General Insurance Co. Ltd. Ground floor- Interface 11, Sixth floor- Interface 16 , Office no 601 & 602, New linking Road, Malad (West), Mumbai – 400064 ... lnsured person may also approach the grievance cell at any of the company's branches with the details of grievance. ... lf lnsured person is not satisfied with the redressal of grievance ,insured person may contact the grievance officer at the details provided in the below link:\nhttps://www.icicilombard.com/grievanceredressal.com","sources":[{"clause":"21(vi)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425/document/20632#c-21-vi"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Does not apply to claims arising due to an accident, if covered.","quote":"3. Code- Excl03: 30-day waiting period ... a) Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.","sources":[{"clause":"21(II)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425/document/20632#c-21-ii-2"},{"clause":"21(II)(a)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425/document/20632#c-21-ii-a"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":24},"display":"24 months","note":"Applies afresh to any enhanced sum insured to the extent of the increase; portability credit can reduce the waiting period.","quote":"a) Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first policy with insurer.","sources":[{"clause":"21(II)(a)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425/document/20632#c-21-ii-a-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"months","amount":24},"display":"24 months","note":"If a listed disease/procedure is also under the PED waiting period, the longer waiting period applies.","quote":"a) Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first policy with us. This exclusion shall not be applicable for claims arising due to an accident.","sources":[{"clause":"21(II)(a)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425/document/20632#c-21-ii-a-4"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"quote-verified","value":["Sinusitis","Deviated Nasal Septum","Treatment for conditions related to Tonsils, adenoids, sinuses","Mastoidectomy","Fibroids (fibromyoma)","Endometriosis","Prolapsed uterus","Polycystic ovarian disorder (PCOD)","Dilatation and curettage (D&C)","Myomectomy","Hysterectomy","Arthritis","Gout and Rheumatism","Osteoarthritis and Osteoporosis","Spinal or Vertebral Disorders","Surgery for inter vertebral disc","Joint replacement surgeries","Calculus diseases of gall bladder including Cholecystitis","Esophageal Varices","Pancreatitis","Fissure/fistula in anus, hemorrhoids, pilonidal sinus, piles","Ulcer and erosion","Gastro Esophageal Reflux Disorder (GERD)","Perineal Abscesses","Perianal Abscesses","Cholecystectomy","Procedures for Biliary stones","Calculus diseases of Urogenital system Example: Kidney stone, Urinary bladder stone etc.","Benign enlargement of Prostate","Chronic Kidney Disease","Surgery on prostate","Surgery for Hydrocele/ Rectocele","Dialysis","Cataract","PHACO emulcification","Any other cataract surgery","Internal tumors, cysts, nodules, polyps, skin tumors, Lumps","Surgery of varicose veins and varicose ulcers","Varicocele","Surgery for any Hernia"],"display":"ENT, gynaecological, orthopaedic, gastrointestinal, uro-genital, eye and other listed conditions/procedures","note":null,"quote":"A | ENT | • Sinusitis • Deviated Nasal Septum | • Treatment for conditions related to Tonsils, adenoids, sinuses • Mastoidectomy\nB | Gynaecological | • Fibroids (fibromyoma) • Endometriosis • Prolapsed uterus • Polycystic ovarian disorder (PCOD) | • Dilatation and curettage (D&C) • Myomectomy • Hysterectomy\nC | Orthopaedic | • Arthritis • Gout and Rheumatism • Osteoarthritis and Osteoporosis • Spinal or Vertebral Disorders | • Surgery for inter vertebral disc • Joint replacement surgeries\nD | Gastrointestinal | • Calculus diseases of gall bladder including Cholecystitis • Esophageal Varices • Pancreatitis • Fissure/fistula in anus, hemorrhoids, pilonidal sinus, piles • Ulcer and erosion • Gastro Esophageal Reflux Disorder (GERD) • Perineal Abscesses • Perianal Abscesses | • Cholecystectomy • Procedures for Biliary stones\nE | Uro-genital | • Calculus diseases of Urogenital system Example: Kidney stone, Urinary bladder stone etc. | • Surgery on prostate • Surgery for Hydrocele/ Rectocele\n• Benign enlargement of Prostate • Chronic Kidney Disease | • Dialysis\nF | Eye | • Cataract | • PHACO emulcification • Any other cataract surgery\nG | Other General conditions( Appli cable to all organ systems/ organs/ disciplines whether or not described above) | • Internal tumors, cysts, nodules, polyps, skin tumors, Lumps | • Surgery of varicose veins and varicose ulcers • Varicocele • Surgery for any Hernia","sources":[{"clause":"21(II)(e)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425/document/20632#c-21-ii-e"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"sixty continuous months","note":"For enhanced sum insured, sixty continuous months applies from the date of enhancement only on the enhanced limits.","quote":"17. Moratorium Period After completion of sixty continuous months of coverage (including portability and migration) in health insurance policy, no policy and claim shall be contestable by the insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. This period of sixty continuous months is called as moratorium period.","sources":[{"clause":"21(ii)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425/document/20632#c-21-ii-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"The insured can port the policy to another insurer by applying at least 30 days before, but not earlier than 60 days from, the renewal due date. Credits gained can be transferred to the extent of the sum insured and previous benefits, subject to underwriting, but not for enhanced sum insured.","display":"Can port to another insurer with waiting-period credit, subject to rules","note":null,"quote":"a) The insured has the choice to port his / her policies from one Insurer to another. An Insured desirous of porting his/her policy to another insurer shall apply to such insurer to port the entire policy along with all the members of the family, if any, at least 30 days before, but not earlier than 60 days from the due date for renewal. ... b) The insured is entitled to transfer the credits gained to the extent of the sum insured and the benefits available in the previous policy, subject to the underwriting policy of the Company ... d) This benefit is not applicable for enhanced sum insured.","sources":[{"clause":"21(II)(a)","heading":null,"page":32,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425/document/20632#c-21-ii-a-13"},{"clause":"21(II)(b)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425/document/20632#c-21-ii-b-12"},{"clause":"21(II)(d)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425/document/20632#c-21-ii-d-5"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"quote-verified","value":true,"display":"Lifetime renewability","note":null,"quote":"• No restriction on maximum entry age\n• Lifetime renewability","sources":[{"clause":null,"heading":"Eligibility","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425/document/19866#c-eligibility"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"Renewal premium loadings for individual products are at portfolio level and not based on any individual policy claim experience.","display":"No renewal loading based on individual claim experience","note":null,"quote":"IV) For individual products, the loadings on renewal premium shall be at portfolio and not based upon any individual policy claim experience..","sources":[{"clause":"21(IV)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425/document/20632#c-21-iv"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policyholder may cancel by giving 7 days written notice. For policy terms up to one year, proportionate premium for the unexpired period is refunded if no claim has been made; for terms over one year, unexpired policy-year premium is refunded if risk coverage for those years has not begun. No refund is made where any claim has been admitted or lodged or any benefit availed.","display":"7 days written notice; proportionate/unexpired premium refund if conditions met; no refund if claim admitted, lodged or benefit availed","note":null,"quote":"i) The policyholder may cancel this policy by giving 7 days written notice and in such an event, the Company shall refund premium for the unexpired policy period as detailed below. ... a) Refund proportionate premium for unexpired policy period, if the term of policy up to one year and there is no claim (s) made during the policy period. ... b) Refund premium for the unexpired policy period, in respect of policies with term more than 1 year and risk coverage for such policy years has not commenced\nNote: Above mentioned refund clause shall not be applicable for policies with freelook period; Premium refund for cancellations during the freelook period will be provided as per the Free look clause. Notwithstanding anything contained herein or otherwise, no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed by the Insured person under the Policy.","sources":[{"clause":"21(II)(c)","heading":null,"page":32,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425/document/20632#c-21-ii-c-9"},{"clause":"21(II)(a)","heading":null,"page":32,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425/document/20632#c-21-ii-a-12"},{"clause":"21(II)(b)","heading":null,"page":32,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425/document/20632#c-21-ii-b-11"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The basic cover applies only to medical charges incurred in India.","display":"India only","note":"The optional Personal Accident Cover says: 'This is a worldwide cover.'","quote":"Notwithstanding anything contained herein below, this Benefit shall not apply to any Medical Charges incurred by the Insured in any place or geographical area other than in India.","sources":[{"clause":"2","heading":"WHAT WE WILL PAY (SCOPE OF THE COVER)","page":8,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425/document/20632#c-2"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Not available for policies with tenure of less than a year.","quote":"20. Free look period Every insured of new individual health insurance policies, except for those policies with tenure of less than a year, shall be provided a free look period of 30 days beginning from the date of receipt of policy document, whether received electronically or otherwise, to review the terms and conditions of such policy.","sources":[{"clause":"21(vi)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425/document/20632#c-21-vi"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days; fifteen days where premium payment mode is monthly","note":"Monthly premium mode has a fifteen-day grace period; all other cases have thirty days.","quote":"The grace period for payment of the premium for all types of insurance policies shall be: fifteen days where premium payment mode is monthly and thirty days in all other cases.","sources":[{"clause":null,"heading":"“Grace Period\"","page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425/document/20632#c-grace-period"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Minimum entry age is 6 years under an individual policy. Children aged 3 months to 5 years can be insured under a floater plan only, and there is no restriction on maximum entry age.","display":"3 months to 5 years under floater only; 6 years minimum for individual; no maximum entry age","note":null,"quote":"• This Policy can be offered to an individual with 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. ... • No restriction on maximum entry age","sources":[{"clause":null,"heading":"Eligibility","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425/document/19866#c-eligibility"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Half Yearly","Quarterly","Monthly"],"display":"Half Yearly, Quarterly or Monthly","note":"Annual mode is not expressly listed in the premium instalment clause.","quote":"18. Premium Payment in instalments lf the insured person has opted for Payment of Premium on an instalment basis i.e. Half Yearly, Quarterly or Monthly, as mentioned in the policy Schedule/Certificate of lnsurance","sources":[{"clause":"21(ii)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425/document/20632#c-21-ii-3"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["Hospital Daily Cash","Convalescence Benefit","Personal Accident Cover","Temporary Total Disablement (TTD) Rehabilitation Cover","Repatriation of Remains","Critical Illness Cover"],"display":"Hospital Daily Cash, Convalescence Benefit, Personal Accident Cover, TTD Rehabilitation Cover, Repatriation of Remains, Critical Illness Cover","note":"Optional covers apply only if additional premium is received and the benefit is in force in the policy schedule.","quote":"The Benefits listed below shall be available to the Insured Person only if the additional premium has been received by Us and the Benefit is specified to be in force for that Insured Person in the Policy Schedule. ... 1. Hospital Daily Cash ... 2. Convalescence Benefit ... 3. Personal Accident Cover ... 4. Temporary Total Disablement (TTD) Rehabilitation Cover ... 5. Repatriation of Remains ... 6. Critical Illness Cover","sources":[{"clause":null,"heading":"B. Optional Covers","page":13,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425/document/20632#c-b-optional-covers"},{"clause":null,"heading":"1. Hospital Daily Cash","page":13,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425/document/20632#c-1-hospital-daily-cash"},{"clause":null,"heading":"2. Convalescence Benefit","page":13,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425/document/20632#c-2-convalescence-benefit"},{"clause":null,"heading":"3. Personal Accident Cover","page":14,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425/document/20632#c-3-personal-accident-cover"},{"clause":null,"heading":"4. Temporary Total Disablement (TTD) Rehabilitation Cover (resulting from","page":15,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425/document/20632#c-4-temporary-total-disablement-ttd-rehabilitation"},{"clause":null,"heading":"5. Repatriation of Remains","page":16,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425/document/20632#c-5-repatriation-of-remains"},{"clause":null,"heading":"6. Critical Illness Cover","page":16,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425/document/20632#c-6-critical-illness-cover"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"Coverage is not available during the grace period for renewal. If premium is paid in instalments during the policy period, the insurer shall offer coverage during the grace period.","display":"No coverage during renewal grace period; coverage during instalment grace period if premium is paid in instalments","note":null,"quote":"III) At the end of the policy period, the policy shall terminate and can be renewed within the Grace Period of 30 days to maintain continuity of benefits without break in policy. Coverage is not available during the grace period ... The insurers shall offer coverage during the grace period, if the premium is paid in instalments during the policy period.","sources":[{"clause":"21(III)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425/document/20632#c-21-iii-2"},{"clause":"21(ii)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425/document/20632#c-21-ii-3"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"The amount (per claim or per year) that must be crossed before this policy pays. Your base policy or you pay this part.","status":"quote-verified","value":"For the Top Up Plan, deductible applies for each and every hospitalisation except claims made for Any one illness; in an accident where more than one family member is hospitalized, it applies on the aggregate claim amount. For the Super Top Up Plan, deductible applies on aggregate basis for all hospitalisation expenses during the policy year, on individual basis for individual policy and floater basis for floater policy.","display":"Top Up: per hospitalisation except Any one illness; Super Top Up: aggregate basis for all hospitalisation expenses during the policy year","note":"CIS lists deductible options as 50k/1L/2L/3L/4L/5L for Top Up and 1L/2L/3L/4L/5L for Super Top Up.","quote":"• Top Up Plan:\nDeductible will apply for each and every hospitalisation except for claims made for Any one illness. (Any one illness means continuous Period of illness and it includes relapse within 45 days from the date of last consultation with the Hospital/Nursing Home where treatment may have been taken.) In case of an accident where more than one member of a family is hospitalized, Deductible will apply on the aggregate claim amount.\nClaim amount under optional covers will not be considered for deductible.\n• Super Top Up Plan:\nDeductible will apply on aggregate basis for all hospitalisation expenses during the policy year. The deductible will apply on individual basis in case of individual policy and on floater basis in case of floater policy.","sources":[{"clause":"21(II)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425/document/20632#c-21-ii-2"}],"law":[]},{"key":"deductible_basis","label":"Per claim or aggregate","section":"Limits and co-pay","meaning":"Top-up: deductible applies to each claim. Super top-up: to the total of all claims in the year.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"Daily room limit, if any.","status":"quote-verified","value":"Hospital room rent is covered under in-patient treatment. No separate room-rent sublimit is stated in the financial limits; other limits are stated as not applicable.","display":"No separate room-rent sublimit stated","note":"Subject to annual sum insured, deductible and co-payment as applicable.","quote":"We will cover medical expenses for:\n• Hospital room rent ... Any other limit (as applicable) Not Applicable","sources":[{"clause":null,"heading":"1. In-patient Treatment","page":8,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425/document/20632#c-1-in-patient-treatment"},{"clause":"10(c)(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425/document/19786#c-10-c-i"}],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"Share of each admissible claim you pay.","status":"quote-verified","value":"For insured persons above 60 years of age, 20% of the admissible claim amount above the deductible is not payable. This does not apply if the insured is 60 years or below, and does not apply if the insured was aged 45 years or below when first buying the policy with the insurer and has renewed continuously; optional covers have no co-payment.","display":"20% above deductible for insureds above 60 years; not for 60 or below; exception if bought at 45 or below and continuously renewed","note":null,"quote":"2. Co-Payment: We are not liable to pay twenty percent (20%) of admissible claim amount above the Deductible applicable under the Policy, for insured(s) above 60 years of age. This does not apply if insured is 60 years of age or below.\nHowever, this condition will not be applicable if You were aged 45 years or below at the time of buying this policy first time with Us and have renewed it continuously after that.\nCo payment will not be applicable for optional covers, if any.","sources":[{"clause":"21(II)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425/document/20632#c-21-ii-2"}],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"quote-verified","value":"Cashless treatment is available at network providers, with direct payment to the network provider to the extent pre-authorization is approved. For network cashless pre-authorization, the insurer will respond within 1 hour of receiving the complete request and grant final authorization within three hours of receiving the discharge authorization request.","display":"Cashless at Network Provider; pre-authorization response within 1 hour and final authorization within three hours","note":"The CIS also mentions 'Anywhere Cashless' for non-network hospitals through health assistance, but the policy wording states cashless treatment is only available at a Network Provider.","quote":"Cashless treatment is only available at a Network Provider (List of Network Provider is available at our website. The list is updated as and when there is any change in the Network Provider). ... If You notify pre-authorization request for cashless facility through any of Our empaneled network hospitals along with complete set of documents & information, We will respond within 1 hour of the actual receipt of such pre-authorization request. Further, we shall grant final authorization within three hours of the receipt of discharge authorization request from the hospital","sources":[{"clause":"21(II)(a)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425/document/20632#c-21-ii-a-7"},{"clause":null,"heading":"Pre-authorization","page":26,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425/document/20632#c-pre-authorization"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"quote-verified","value":"Claims are handled by ICICI Lombard or its in-house claim processing team.","display":"Company or Our In house claim processing team","note":null,"quote":"Prior to taking treatment and/ or incurring Medical Expenses at a Network Provider, You must contact the Company or Our In house claim processing team","sources":[{"clause":null,"heading":"Pre-authorization","page":26,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425/document/20632#c-pre-authorization"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"quote-verified","value":true,"display":"Family floater basis available","note":"Prospectus states maximum members can be 2 adults and 3 children.","quote":"Policy offers option of covering on individual sum insured basis and on family floater basis.","sources":[{"clause":null,"heading":"Eligibility","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425/document/19866#c-eligibility"}],"law":[]}],"documents":[{"kind":"wording","label":"Health Booster_ICIHLIP25038V042425","pages":42,"fetched_at":"2026-10-20 01:52:01+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/health-booster8c0007ff45fd68ff8a0df0055fa75fa4.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425/document/19787"},{"kind":"wording","label":"Health Booster","pages":41,"fetched_at":"2026-10-20 02:47:07+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/health-booster8c0007ff45fd68ff8a0df0055fa75fbe.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425/document/20632"},{"kind":"prospectus","label":"Health Booster","pages":27,"fetched_at":"2026-10-20 01:57:33+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/health-booster_prospectus8c0007ff45fd68ff8a0df0055fa751a4.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425/document/19866"},{"kind":"cis","label":"CIS Health Booster Super Top Up","pages":12,"fetched_at":"2026-10-20 01:51:39+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/health-booster-super-top-up-cis8c0007ff45fd68ff8a0df0055fa73035.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425/document/19783"},{"kind":"cis","label":"CIS Health Booster Top Up","pages":14,"fetched_at":"2026-10-20 01:51:57+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/health-booster-top-up-cis8c0007ff45fd68ff8a0df0055fa7306e.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425/document/19786"},{"kind":"brochure","label":"Health Booster - ICIHLIP25038V042425","pages":10,"fetched_at":"2026-10-20 01:51:27+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/health-booster_brochure8c0007ff45fd68ff8a0df0055fa50adf.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425/document/19782"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"ICICI LOMBARD General Insurance official website","url":"https://www.icicilombard.com","note":"Website as listed by IRDAI. Not checked: the site blocks automated requests (bot wall) for our crawler on 2026-10-19; we do not bypass walls."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Health Booster - ICIHLIP25038V042425 (UIN ICIHLIP25038V042425), IndiaInsurances, https://indiainsurances.com/policy/icici-lombard-general-insurance/health-booster-icihlip25038v042425-icihlip25038v042425"}